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February 7, 2020 by

WHAT IS PIP?

Personal Injury Lawyer

PIP stands for Personal Injury Protection and it is part of your automobile insurance policy, as a personal injury lawyer in Arlington, TX can explain. Many state’s law requires an insurance company to offer drivers Personal Injury Protection insurance coverage (often referred to as PIP).  The typical standard amount is $2,500.00. However, for a few extra dollars you can increase this type of coverage to $5,000, $10,000 and even up to $100,000.00! You should be given the option to reject it (it might save you a few dollars from your monthly premium) and unfortunately a lot of people do reject the coverage.  If you do not formally reject (by signing a rejection form) then you have PIP in the amount of $2,500!

Personal Injury Protection coverage covers and pays for certain expenses resulting from an automobile collision.  It will pay for medical bills and if the person that was injured was employed at the time and missed time off of work (leading to lost wages) then PIP will pay 80% of lost income.  The insurance company may require proof in the form of medical documentation verifying that the claimant was unable to work for the time claimed. Some insurance companies will also accept documentation from your employer stating the dates that were missed from work due to the injuries sustained the motor vehicle accident. PIP will also pay for reasonable household duties that could not be performed due to an injury. For example, if you had to hire someone to clean your house due to your injury, when you regularly did it yourself). Personal Injury Protection coverage does not cost a lot of money and it will come in handy when those medical bills start coming in.

So what if you have health insurance? Do you still need PIP?  Your health insurance should then cover your medical bills, but PIP can help with medication and deductibles. You need to make sure you have adequate coverage to protect you and help you in case you are involved in an accident and injured.  Medical bills can add up quickly even if you have health insurance. Health insurance often times does not cover 100% of the medical bills and you may have to deal with satisfying deductibles before the health insurance starts making payments. Get as much coverage as your insurance company will sell you.  Most insurance companies will sell you at least $10,000.00 in coverage under PIP, some will sell you even more.

 


 

Thanks to Brandy Austin Law Firm, PLLC for their insight into personal injury claims and PIP.

Filed Under: Uncategorized Tagged With: personal injury lawyer

February 6, 2020 by

What to Do if a Loved One Has Been Arrested

You just got a call in the middle of the night and learned that your sibling, child, partner, spouse or other loved one was arrested. What is your next move?

For a lot of people, this is a very frightening moment. Feeling concern for your loved one is normal, but when you are not sure how to help them, your feelings can shift to panic, which is the last thing you need in an emergency. If a loved one is arrested and facing criminal charges, the best thing for you to do next is stay calm, take rational actions, and create a plan.

Gather Information
Once you learn a loved one has been arrested and charged, you need to find out whatever you can next, including where they are being held and the name of the police station or center. Usually, you will be able to get this information from your loved one when they call you. Never discuss any details of the case over the phone; only talk about the basics of the arrest and where they are being held. Any phone conversations you have in this situation could be recorded and used against your loved one down the road.

Keep records of everything that pertains to the case. Log all the call times between you and your loved one and between you and any law enforcement representative. If you asked the officers not to question your loved one, make sure you make a note of that and to whom you spoke.

Speak to Your Loved One
Once you have learned where your family member or friend is being held, speak to the police department that arrested them. Ask about the charges and whether you are allowed to visit. If you are allowed to visit them, tell them not to say anything about what happened —including the incident and the arrest— until their lawyer is present.

Contact an Attorney
For a minor crime, a person may be let out of jail within a day. However, for more serious charges, you need to contact a criminal lawyer as soon as you can. You can likely speak to an attorney before you even are able to visit your loved one in jail, but this does depend on the situation. In either case, when your loved one has an experienced criminal defense attorney on their side, it does increase the chance of them getting the most favorable outcome possible in their particular case.

Offer Your Support
Your loved one is likely experiencing a lot of emotional turmoil, which can be a lot for one person to bear on their own. Offering your loved one a strong support system is one of the most important things you can do in this situation. Be physically accessible and emotionally available to your loved one. They will likely have appointments with their lawyer, future court dates and other meetings and dates that they may need your help with. During this time, your love, patience and help can make a big difference for your loved one.

Thanks to the Law Office of Richard J. Banta, P.C. for their insight into what to do if a loved one has been arrested.

Filed Under: Uncategorized

February 3, 2020 by

Stay on Time: What to Do When Filing a Wrongful Death Claim

Stay on Time: What to Do When Filing a Wrongful Death Claim

If you recently lost a loved one, even though you know you deserve compensation, you may have too much on your mind to consider a wrongful death action. The problem with this line of thinking is that most think they have time to bring a claim. The truth is that you should go through the process as quickly and timely as possible. Otherwise, you could miss important deadlines or go beyond the statute of limitations.

Talk to a Lawyer

When filing a wrongful death claim, it is important that you talk to a lawyer as soon as possible. There is a statute of limitations and you need to work in a timely manner to file the lawsuit. Most states say that you have two or three years to file a claim. However, this can vary based on state and circumstances. For some states, you have from the date of the death to file. Whereas other states allow you to file within two or three years of finding out that there was a responsible party for your loved one’s death.

Gather Evidence

In order to streamline the process, it helps to have all of the necessary evidence before you file your claim. Any proof that you have that can point at a negligent party as responsible for the death is important. Your lawyer can help you determine the best evidence and also build a strategy based on that evidence.

Mind Your Deadlines

If you have a lawyer, this step will be a lot easier for you. Your lawyer will keep track of important dates when it comes to litigation. Often, your lawyer will file important documents with the court for you. When you’re mourning the loss of a loved one, it can be difficult to focus on your case. You cannot always remember the dates that you have to meet. Regardless of your strategy for dealing with deadlines, it is crucial that you abide by each one or else it can have a devastating impact on your case.

There is a statute of limitations on wrongful death claims. They vary from state to state, but on average the statute of limitations is around two to three years after you suffered the loss. It is important, however, that you work as quickly as possible because sometimes evidence is stronger when you put it together in the beginning. For help with your wrongful death claim, set up a consultation with a wrongful death lawyer,  like a wrongful death law firm in Indianapolis, IN, today.

 

Thank you to the experts at Ward & Ward Law Firm, for their insight into personal injury law.

 

Filed Under: Uncategorized

February 3, 2020 by

Court Reporter for Personal Injury Case

Personal Injury Lawyer

If you are thinking about taking action against another party for a personal injury accident, then the first thing you should do is consult with an attorney. A legal professional can help you sort out whether you should file a lawsuit or file an insurance claim. At one point or another as your case is unfolding, you may need services from a court reporter, as they can play an important role during the legal proceedings. If you are being deposed or have to testify in a courtroom, a court reporter can be useful in creating a record of everything said. You and your attorney can then refer to these documents if needed. 

What Court Reporters Do

Court reporters may also be referred to as stenographers, and have a key role in keeping precise and accurate records of legal meetings, hearings, etc. Some people may think they can replicate what a court reporter can do through taking notes, however, this approach can lead to unintentional errors as well as being very time consuming. Court reporters have specific skills that enable them to take incredibly accurate notes at rapid speed. The court reporter can have the transcript ready almost immediately after the legal proceeding. In this way, all parties involved can refer back to testimony and details of the case when needed.

Depositions and Discovery

The discovery phase is when both sides obtain information relevant to the case. A deposition is a significant component to the phase of discovery, as it allows each attorney to gather testimony from people who can influence the case. For a testimony, an attorney asks the person questions in an attempt to gather more useful details from the opposite side.

An attorney can then figure out what the next best steps are for their personal injury client after a deposition is performed. These testimonies that can be utilized in the courtroom whenever needed. A deposition can surely be stressful, so your attorney can prepare you ahead of time and run through a list of example questions that the opposition may ask. 

Reasons To Hire a Court Reporter

Your attorney is likely to secure a court reporter’s services while preparing for a deposition, so the legal proceeding can be transcribed. To go without a qualified and experienced court reporter may have an impact on the case, if they aren’t able to keep up with the flow of the deposition and make errors along the way. Reasons to hire a court reporter for your personal injury case include:

  • To save both the time and money that it would require to have another person transcribe from a recorded deposition (instead of live)
  • To have a very accurate record of the deposition (court reporters have an accurate rate on average of 95% with up to 260 words per minute)
  • The transcription the court reporter creates an enable an attorney to properly prepare for any additional legal proceedings to come

If you were injured in a personal injury accident and are considering taking legal action in some way, then you will ultimately need court reporters. 

 

Filed Under: Uncategorized Tagged With: personal injury lawyer

February 1, 2020 by

Chapter 13 Bankruptcy

Personal Injury Lawyers

When people are in financial hardship for many years, they may start to consider their options in overcoming huge amounts of debt. Depending on how much you earn versus how much you owe in debt, it may be virtually impossible to pay off debts within a reasonable time frame, if at all. That is when a person may consider speaking with an attorney about whether filing for bankruptcy is right for them. Bankruptcy should not be taken lightly, and a serious evaluation of earnings and spending habits must be performed before moving forward.

How much of my debts will I have to pay back if I file for Chapter 13 bankruptcy?

How much of your total debts you must repay depends on the kinds of debts that you currently have. When filing, you will have to pay for bankruptcy filing fees and trustee commissions. You will also have to still pay for obligations such as child support, spousal support, and other related responsibilities as enforced by the court.

If you want to remain in possession of your secured property, such as vehicles or a home, then you will have to pay the total amount that you are behind on that loan. You will also be required to pay the entirety of the debt secured due to a tax lien. To find out more about a secured property, your attorney can answer any questions you may have.

However, where things begin to change is with unsecured debts. You may have to pay anywhere from zero to 100% of the amount you owe, based on the duration of your repayment plan, disposable income, and the total value of what credits would have received if you had filed for Chapter 7 bankruptcy. In general, how much you pay is usually equal to the value of the property that is not considered exempt under bankruptcy law.

How long does a repayment plan last?

Your repayment plan duration will depend on your earnings. Your plan may last around five years if your monthly earnings surpass the median monthly income for your household size within your state. That is unless you create a plan that pays back the entirety of your unsecured debts in a smaller time frame. If your earnings are lower than the median monthly income, then you can bring forward a proposition for a three-year plan (even if unsecured credits won’t be fully paid during this period).

Can I use funds from retirement benefits to meet repayment obligations?

Under Chapter 13 bankruptcy, the debtor must prove to a court judge that they have sufficient income to meet recurring payment obligations. The court does permit debtors to utilize income from various sources in order to meet their repayment plan, so income acquired from retirement benefits can be used. As you can see, filing for bankruptcy and creating a repayment plan based on earnings can be confusing. One of the best things any debtor can do is consult with an attorney near them for a case evaluation, before making any final decisions about bankruptcy. 

 


 

Filed Under: Uncategorized Tagged With: Personal Injury Lawyers

January 21, 2020 by

Does Medical Insurance Cover Accident Injuries?

An injury in any form throws a kink in your plans. You may not have the financial resources to cover the disparity in what the insurance covers and the actual damages to your vehicle. You may also be hurt, but without medical insurance coverage for the time. Are injuries caused by an accident covered by the insurance company, or will you be unable to get help? Take a look at how accident injuries may be handled, with and without private medical insurance.

Payment Due When Services Rendered 

As in most medical practices, when you go to seek treatment from a doctor, you must be able to pay for the service. After an accident, you may require medical care of varying levels. When you do, the providers may expect money upfront to treat you. If you don’t have health insurance, you may have to get help at the hospital. Emergency rooms are typically required to treat patients, even if they do not have medical coverage. However, you are still responsible for the bills that accumulate as a result of this treatment. Even if a car accident wasn’t your fault, most insurance companies do not start paying out until the investigation and claim are settled. In the meantime, you will have to do your best to pay what you can or forego treatment.

Personal Injury Insurance Coverage 

Some auto insurance policies may contain a medical clause for personal injuries. If you have a policy that allows for this, you may have some of your medical treatment paid for once your claim is received and begins processing. This first prong is through your insurance company, and once it is used up, you are left holding the bills. If the other driver’s insurance policy also has medical coverage and that driver is found to be at fault right away, there is a chance that those benefits will pick up fairly quickly. Some states require drivers to carry medical as part of their policy, while others do not. It is critical that you understand where your state law stands.

Lawsuit Options 

After the investigation concludes and you are cleared of responsibility for the crash, the other driver and their insurance company may pay for your damages, including medical. However, there are policy limits, and once those are reached, the insurer will stop paying for property damage and medical bills. At this point, you may want to file a lawsuit against the driver personally to recover money civilly.

Insurance laws differ from state to state, and as such, an auto accident lawyer, like an auto accident lawyer in Memphis, TN, in your city is a valuable resource. You may want to consider retaining the services of someone who understands how medical claims work after a car crash.

Thanks to Patterson Bray for their insight into whether medical insurance will cover car accident injuries. 

Filed Under: Uncategorized

January 19, 2020 by

Surviving Surveillance in a Workers’ Compensation Case

If you have been hurt in a workplace accident and filed a workers’ compensation claim, you may begin to suspect that you are being watched as you go about your daily activities. Unfortunately, this may not just be your imagination. Insurance companies are eager to deny workers’ compensation claims or reduce the amount that they owe. They can justify this by producing evidence that suggests that your injuries may not be as serious as you claim.

To gather this information, the insurance company may hire a private investigator to conduct surveillance of your activities. This surveillance can take one of two forms: physical surveillance or electronic surveillance.

Physical Surveillance

Physical surveillance involves following you as you go about your daily activities, observing your actions and capturing photos or videos that may be taken out of context and used against you in court. As long as these surveillance activities are confined to observing you when you are out in public, which includes standing in your own front yard where you are visible to bystanders, it is legal to conduct these types of surveillance activities. It is also legal for the investigator to knock on the doors of your neighbors and ask them questions about you.

However, the law does place some legal limits on physical surveillance. The laws against trespassing apply to private investigators, which means they cannot peek inside your windows or gain access to your home under false pretenses. Furthermore, you have a right to feel safe in your own home and within your community. This means that if you feel that your safety may be compromised due to surveillance, you have the right to call the police for help.

Electronic Surveillance

Electronic surveillance involves looking at what you post online. It is much easier than physical surveillance in that it isn’t necessary to follow your physical movements and the law presumes that everything that you post publicly online is fair game.

The most foolproof way to guard your online information is to delete or disable all of your social media accounts for the duration of the workers’ comp case. However, if that is not feasible, you should up your privacy settings on all your accounts and only grant “friend” status to people that you know and trust.

If you have any reason to believe that a private investigator working for an insurance company has violated your rights, contact a workers’ compensation lawyer, like a workers’ compensation lawyer in Wytheville, VA, right away. An attorney can explain exactly which surveillance activities are legal and which are not.

Thanks to The Law Offices of Mark T. Hurt for their insight into how you might be surveilled during a workers’ compensation investigation. 

Filed Under: Uncategorized

January 19, 2020 by

Proposals for Settlement

Car Accident Lawyer

Clients who pursue legal claims often have a hard time understanding the fees they are being charged. Many lawyers charge their clients by the hour. However, most personal injury attorneys do not bill by the hour. Instead, they work on a contingency fee, which means that the lawyer only gets paid if and when the client receives a settlement either before or after a trial.  

Many clients ask if the defendant or their insurance company will pay their attorney’s fee. Unfortunately, the other side will almost never agree to that, which leaves you with having to pay your attorney. Fortunately, there are laws which can help you shift some of your attorney’s fee to the defendant in the event you prevail.

These laws relate to Proposals for settlement (PFS). A PFS Statute 768.79 and Rule of Civil Procedure 1.442.  The PFS can be a powerful tool to put pressure on the opposition to settle a case. Essentially, a PFS can award attorneys’ fees and costs for a party that offered to settle a case prior to trial for a reasonable amount. 

Under Statute 768.79 and Rule 1.442, if the Plaintiff files a Proposal for Settlement that the Defendant does not accept and pay, and a jury ultimately awards you a verdict that exceeds the offer by 25% or more, then the Defendant is responsible for all of the Plaintiff’s attorneys’ fees and costs from the date the Proposal was made.   For example, if you serve a Proposal to settle your case for $100,000.00, the Defendant does not pay it, and a jury awards you $125,000.00 or more, then your attorney’s fees will be paid by the Defendant for the time your lawyer spent on the case from the date of the Proposal through trial. 

Of course, a Defendant can also serve a PFS to put pressure on a Plaintiff.  If the Defendant offers to settle and there is a defense verdict or the verdict is less than seventy-five percent of the PFS, then the Plaintiff is responsible for the Defendant’s reasonable attorney’s fees and costs. Parties have thirty days from receipt of the PFS to either accept or reject it.    

The PFS statute and rule contain very specific requirements as to the precise language that must be included in the PFS and how it is to be served. An experienced attorney will be able to advise you on the pros and cons of serving a PFS.  Additionally, there is now PFS insurance which a party can buy in order to protect themselves in the event they lose the case and have to pay the other parties’ attorneys’ fees.

Filed Under: Uncategorized Tagged With: Car Accident Lawyer

January 18, 2020 by

Frequently Medical Malpractice Lawsuits

Medical Malpractice Attorney

When a medical professional acts in a negligent way and that negligence causes the injury, illness or death of a patient, someone often files a medical malpractice lawsuit. There are many reasons this could happen, and it’s, unfortunately, a fairly common occurrence. Though there are hundreds of motives for this type of action, the following are a few that seem to show up most frequently.

Medication Error Lawsuits

Prescription medication can get messed up at a variety of different points before the patient ends up with it. The doctor could prescribe the wrong pill altogether, the doctor’s assistant could enter it into the computer wrong, the pharmacist could fill the prescription incorrectly and so on. Regardless of who messed up, you trust those medical professionals to get it right. The wrong medication could seriously injure, make ill or even kill a person. When that happens, it’s often followed by a lawsuit.

Botched Surgery Lawsuits

Surgeons are trusted with their patients’ lives. Those patients allow another individual to cut their bodies open in the hopes of fixing a problem. When the surgeon creates another problem or fails to fix the problem he or she promised could be fixed, the patient may file a medical malpractice lawsuit. Some examples of this include the surgeon leaving a tool inside the patient’s body or the surgeon operating on the wrong body part.

Improper Prenatal Care Lawsuits

When a doctor cares for a pregnant woman, he or she is also caring for a baby. Obviously, an OB/GYN has a certain level of care to provide his or her patients, but when another physician is aware a patient is pregnant, the patient should often be treated differently. For example, if the pregnant patient sees her primary care doctor about an issue that would typically require an x-ray, the doctor should see if it can be handled with ultrasound instead. If the doctor goes ahead and orders an x-ray, knowing it could cause harm to the unborn child, it could end in a lawsuit.

Anesthesia Lawsuits

There are a couple of common reasons anesthesiologists get sued. First, he or she may not have given the patient enough anesthesia. This could result in the patient feeling everything that is happening to him or her during surgery, but not being able to say anything. Second, the anesthesiologist may have given a patient too much anesthesia, which could result in more serious health concerns, and possibly death.

Contacting Your Attorney

These examples only begin to touch the surface of the reasons medical professionals are often sued. If you recently suffered at the hands of a medical professional, contact your medical malpractice attorney, today to see what you can do about it.


Filed Under: Uncategorized Tagged With: Medical Malpractice Attorney

January 15, 2020 by

What to Expect from Your Arraignment

In many cases, an arrest is just the beginning of a long and tiring court process that could last several months. This entire process begins with one simple step, the arraignment. Because the arraignment will define your entire legal process it’s imperative that you prepare for this important hearing. But what should you expect from your arraignment? And do you have to face it alone?

What Will Happen at My Arraignment?

While the actual arraignment only lasts a few minutes, you will likely spend several hours in the courthouse while your prosecution is finishing up the documentation. Once before the judge, you will be directed to stand in front of a microphone. Your charges will then be read aloud and a clerk will ask you how you want to plead. There are three ways to respond:

  • Not guilty – You are denying all charges or you wish to request a trial
  • Guilty – You admit that you committed the crime
  • Nolo contendere (No contest) – A true middle ground where you don’t plead guilty, but you are willing to be sentenced if found guilty 

What Will Happen After My Plea?

Once you’ve submitted your plea, the judge will determine the next steps for your case. The case could go straight to trial or pre-trial, or, if you plead guilty or nolo contendere, the case could move on to further hearings. Afterward, if you’ve been released either on bail or your own recognizance, you have time to prepare before your next court appearance which will be several weeks away. If you remain in custody after the arraignment, your next court appearance will be sooner.

Do I Need a Lawyer?

If you committed an offense in which you may go to jail, you are required to have a lawyer present. This lawyer could either be appointed by the judge called a “duty lawyer” or hired by the defendant. If you have not committed a jailable offense and are planning to enter a plea of “not guilty,” you may not need an attorney present. When determining whether or not to hire an attorney for your arraignment, consider your punishment if convicted. If you’re concerned about hidden punishments for minor offenses, such as loss of license, insurance raises or deportation, it would be wise to have an attorney onsite.

Remember, the United States Constitution grants you the right to an attorney, even if you can’t afford one. If faced with an upcoming arraignment, find a criminal attorney in Washington, DC to stand by your side for the case. They will be able to educate you on the legal process and help you devise a defensive strategy. Having an attorney on your case could reduce the stress of the arraignment process and lessen the potential consequences of your offense.

Thanks to The Law Firm of Frederick J. Brynn, P.C. for their insight into criminal law and your constitutional rights.

Filed Under: Uncategorized

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