Cribs, playpens, and bassinets continue to injure and kill infants with alarming frequency.
A study published this week in the journal Pediatrics reveals the alarming frequency of injuries to babies who have been placed in cribs, playpens or bassinets.
A review of emergency-room treatments for more than 181,000 babies age 2 and under from 1990 to 2008 showed an average of 113 deaths per year from accidents associated with those three pieces of nursery equipment.
We have previously written about the importance of uninsured motorist coverage, particularly in today’s economic times. In this article we wish to reemphasize how important it is that Georgia residents protect themselves with uninsured motorist coverage if at all possible within their family budget. The reason for this is because more and more motorists are driving with the minimum limits required by law, which is only $25,000.00 per person and many are driving with no insurance whatsoever, taking their chances with the law. The economy, of course, is the reason behind this, but the problem arises when an innocent third party is severely injured by the negligence of an uninsured or underinsured motorist.
If a motorist with minimum limits of coverage strikes another vehicle and hypothetically a passenger in that vehicle suffers a broken neck or back, clearly $25,000.00 will not even cover the medical expenses much less provide reimbursement for pain and suffering, lost wages and the permanent disability that may be caused by the negligence. Theoretically, of course, there is still a claim against the negligent driver, but if they only have $25,000.00 in coverage, they probably have no assets sufficient to satisfy any judgment. Under this set of circumstances, the only way the innocent person can protect themselves from those who are driving with either minimum or no insurance is to have uninsured motorist coverage.
The way uninsured motorist coverage works is that if you are in an accident as an innocent person and injured as a result of the negligence of either an uninsured or underinsured driver, then to the extent, if you have uninsured coverage as part of your own policy of insurance, you can have your own insurance company be responsible for the injuries and damages you sustained since you have paid for such coverage. In the hypothetical case posed, if the innocent victim had $300,000.00 in uninsured motorist coverage, rather than being left with only $25,000.00 from the at fault driver, they would at least have access to $300,000.00 as compensation for their damages through their own uninsured/underinsured motorist coverage.
The Consumer Product Safety Commission has recalled nearly 2 million baby monitors due to the risk of infant strangulation by the monitors’ electrical cords. The CPCS initiated the recall due to seven cases of infant strangulation in recent months.
The reported injuries and deaths include:
A 10 month-old Washington, D.C. infant died in March when she became tangled in the camera cord of a Summer infant monitor. The monitor camera had been attached to the top rail of her crib;
Our firm is often contacted by those who have been victimized by a criminal act seeking advice as to whether they have a claim against the perpetrator of the crime. These cases come to us in a variety of different contexts. Sometimes a rape victim is interested in determining whether they have a claim against a hotel that negligently allowed the attack by a former employee or failed to provide adequate security with respect to the security of their room. We have had similar calls from rape victims seeking to file claims against apartment complexes where there were prior rapes (and a failure to notify the tenant/victim of the danger) and/or failure to provide adequate security at the complex. In other contexts, we may be contacted by those who have been victimized by drunk drivers or those who have been victimized by an assault and battery.
All “victim/tort” cases are factually unique, of course, and require an analysis of the facts and circumstances. Sometimes the criminal defendant may be judgment proof and a civil case against the perpetrator may be a complete waste of time from an economic standpoint. However, there sometimes can be third party liability in many of these cases. For example, even if the rapist primarily caused the damage, obviously, the negligent apartment owner and/or hotelier could be liable as well. What complicates these cases is that Georgia law now provides for apportionment of damages between those who may be jointly responsible for inflicting the damages. In a rape case, while it may be argued that the rapist caused virtually all the damages, obviously, the rapist may not have ever had the opportunity or access to the victim without the negligence of the owner/occupier of the property. The apportionment of dangers is now up to the jury depending on the facts of the case.
All victims of crimes obviously endure the trauma of being victimized by the crime. The criminal justice system provides very limited relief for damages in such cases. While there is mandatory restitution for property crimes, many criminal defendants do not have sufficient assets to make full restitution. Accordingly, in any case where a crime victim has the potential for a recovery in a particular case, they should consult with counsel experienced in such matters.
If someone breaks a leg in a car accident and incurs $20,000.00 in medical bills and is out of work for three or four months due to doctors’ appointments, surgery, etc., how does one determine the value of such a claim? Indeed, how does anyone determine the value of any personal injury claim? The answer is by looking at available jury research service data to determine what juries typically award for the value of certain types of injuries. If someone breaks a leg in an accident and is not left with a permanent disability or limp, that might bring X dollars in front of the average duty whereas if someone sustains an amputation, the case is altogether different and the reward would understandably also be different. While every case is, in fact, different there are available research services available to most attorneys that will tell attorneys what typical juries do in the location of the accident. For example, if a client is injured in metropolitan Atlanta there is jury verdict research service available for Fulton, DeKalb, Gwinnett, Clayton and other counties which tell all attorneys typically what juries award in such cases.
When a jury makes an award, the jury has heard from the client, heard from the lawyer, heard from the Court and has usually heard from the doctors. They factor in all the evidence and they reach a verdict. If enough of these cases are analyzed the settlement value of a claim can typically be derived from the data although it is always difficult when comparing apples to oranges as no two cases are alike. Nonetheless, general data can be extrapolated from such data which will at least provide some guidance regarding the reasonable settlement value of a case. Thus, going back to the question at hand, the way one determines what a fair settlement is, is by analyzing the data to determine whether the offer being made in settlement is fair and reasonable based on such data. If a client is offered an amount of money that seems to be what fair and impartial jurors would award for such injuries, then that would be a fair settlement. If an offer is made far below such awards then that would not be a fair settlement and the advice rendered to the client should be to reject the offer.
Evaluating a personal injury claim due to a car accident, tractor-trailer wreck, medical malpractice or wrongful death claim is always difficult because no two cases are alike. Every case is unique, however, there is a large amount of data available that can help educate the innocent victim through competent advice from experienced counsel as to the general value of their claim. Our advice to clients is to accept reasonable offers and to reject offers that are not reasonable based on such data. While the client always make the final decision as to whether they wish to present their case to a jury, typically if a client is offered a fair and reasonable sum, they should at least consider it because the offer being made is consistent with what juries typically do for that type of case. If the offer being made by the insurance company, however, is below what is typically awarded by juries, our recommendation always is to reject such an offer, although many times clients decide to accept it for their own reasons, sometimes which are financial, emotional or both.
As we have blogged about previously, unless a car accident victim suffers minor injuries, it is typically not in their interests to try to get a quick cash settlement. Yes, these can be some temporary financial hardships caused by the delay in securing a settlement, however, patience is the watch word in many of these cases unless the client is in such desperate need for money that they have no choice but to significantly discount the value of their claim in order to get a quick cash settlement. Before this course of action is decided upon, however, clients need to be educated by their attorneys as to the costs involved in trying to get a quick cash settlement.
As we have indicated previously, there is not a car accident case (where liability exists) that cannot be settled quickly provided the client and the attorney are willing to accept far less than the claim is worth. Insurance companies are always willing to settle cases for less than they are worth so that they can save money. Quick cash settlements, therefore, are always typically available in car accident cases with insurance companies all to eager to save money on their policy and pay far less than the claim is worth. The innocent victim who is incurring medical expenses and sustaining lost wages not to mention suffering from their pain on a daily basis, has a hard time understanding the need for patience. The difficulty attendant to being patient is completely understandable but, again, unless a claim is a minor claim the client should usually be advised by counsel that they should be patient in trying to secure a settlement.
In any significant case, a case of established liability can be settled for 20, 30 or 40 cents on the dollar at most any given point in time. However, if an injury is indeed significant and will likely cause the client pain and suffering and difficulties well into the future, why should the case be discounted in its value and a quick cash settlement secured?
Here in Atlanta we have had an extended break from work due to icy road conditions. Most of our lawyers have not been able to get into work so we have been watching some television during the day. What is fascinating is the number of lawyer ads on television particularly pitching for personal injury cases. What is troubling, however, is the pitch that many of the law firms promised to get “quick cash settlements” for car accident victims.
Our experience has indicated that only in small cases are quick cash settlements typically in the best interest of a client. If the injuries are small and the medical expenses are finite and medical treatment is terminated shortly after an accident, there is no problem with a quick settlement. However, in any case involving serious or more permanent injuries, it is rarely in the client’s interest to seek a quick cash settlement. The reason is because the value of the claim cannot be assessed until the client has reached maximum medical improvement and all medical bills, lost wages and other expenses attendant to the car accident have been evaluated.
There is not a file in our office that we could not settle quickly, but in order to do so we would have to essentially give the case away. Insurance companies are always willing to settle quickly, particularly if they can pay far less than the value of a claim. The way a client gets the full value for their claim in settlement is for their lawyer to aggressively prove its value through deposition testimony, expert testimony, videotaped medical testimony, life care plans, etc. By proving to defense counsel hired by the insurance company that the client’s claim is worth a significant amount of money, a greater settlement can be achieved for the client. The problem, however, is that it takes time to demonstrate such value and therefore a client with a real case with real injures must be patient.
We are often called by clients who have traveled through the Atlanta area only to be the unfortunate victim of a third party’s negligence. Calls usually come from those in car accidents or tractor-trailer collisions. Sometimes a slip and fall is involved or a defective product. These innocent persons sometimes are hospitalized following the incident in Georgia and then sent back to their home states for follow up treatment. When they reach out to an attorney the usually are being overwhelmed with medical bills, lost wages and similar issues. They often do not fully understand which law controls their case. The answer is fairly simple for most all states in this country. The law where the injury and accident occurred typically will control the claim.
Even if a traveler is coming from California to Georgia, as an example, and is injured in Georgia, once they return to California, the claim is still governed under Georgia law. Almost all states agree that the law of the place where the tort occurred should control the claim. Thus, the California resident typically will have no choice but to hire a Georgia lawyer since their claim will be covered under Georgia law. While there are a few exceptions to this rule (typically in cases where public policy issues are involved) innocent victims from other states who are injured while traveling should understand that their claims will almost always be governed by the law of the place where their injuries occurred and where the accident happened.
In any case where an out-of-state victim is involved, obviously, it will be imperative that such a client locate the right attorney for their case. A good place to start is the American Bar Association or American Bar Association approved referral services such as Attorney Search Network. These ABA approved agencies can assist clients traveling out-of-state in locating lawyers in the state where their injuries occurred so that they can receive competent representation.
It is not unusual for our firm to be contacted by family members who are bereaved over the death of a close family relative. Oftentimes the individual is killed through the negligence of a third party and the family member simply wants to understand the law that pertains to the claim. Sometimes, however, family members can get in an argument among themselves as to who has the right to pursue the claim for the wrongful death. While Georgia, like many states, has a statutory scheme which sets forth who has the right to bring such a claim, many lay people do not seem to understand that a wrongful death claim belongs to the heirs-at-law, at least here in Georgia.
If a brother should contact counsel seeking representation in a wrongful death case concerning the death of another brother, typically the lawyer will advise the bereaved brother that they have no such claim. In a case where the individual is unmarried and if their parents are alive, the parents have the claim. If the individual who is killed is married, the spouse has the claim. If the individual who is killed has no spouse but has children, the children would have the claim. If there is no relative, then under those limited circumstances, the victim’s estate would have the claim. It is only when there are no other heirs-at-law that someone like a brother, sister, cousin or other more distant relative might potentially be able to represent the estate in such a case. Here again, however, if the relative is appointed as representative of the estate, it will be their duty, if there is a recovery in such a case, to distribute the proceeds received from any settlement or judgment according to the law’s requirements for estates generally. Typically this follows the line of succession and depending upon the particulars involved, may or may not result in ond relative receiving the lion’s share of the proceeds as opposed to other living relatives.
In any case involving a wrongful death, experienced counsel should be consulted so that the identification of the proper claimant can be discussed early on in the case. Those relatives who would seek to retain counsel where they have no legal rights to do so typically will be unsuccessful as most lawyers are well aware of the law in this area. However, sometimes inexperienced lawyers will take claims where family members really have no claim to begin with. Because a wrongful death case is usually a very serious matter, it is all the more important that experienced counsel be retained to represent the interest of the appropriate heirs-at-law.
In any serious injury case involving permanent or lifetime injuries, careful consideration should be given to whether a structured settlement should be part of any settlement of such a case. A structured settlement agreement is a device whereby if the overall lump sum amount can be agreed upon, a certain percentage of it can be set aside and invested in an annuity that will pay benefits over the victim’s lifetime, usually on a monthly basis. Such benefits are extremely important for people who are disabled because it provides them a safety net and allows them to pay rent and other necessary living expenses as they grow older. Particularly in those cases where a victim is incapacitated and unable to work, a structured settlement agreement can provide a lifetime of revenue for necessary living expenses.
One of the main advantages of a structured settlement agreement is that the benefits are not taxable. As an example, if someone were to settle a personal injury case for $500,000.00 and allocate $200,000.00 for a structured settlement annuity, any benefits generated from the structured settlement annuity would be non-taxable. However, if the settling individual were to receive the entire amount in cash and then invested a portion of the money and made the same monthly interest, taxes would have to be paid on the interest earned, assuming that there was enough income otherwise generated to be subject to taxation.
