Why Did You Sell Your Rights Away?

Andrew Neuwirth Case Matters

Limited tort means you sold your rights away. And, you sold them cheaply too.

Did the auto insurance company tell you that? Do you know you are limited tort?

Check your declaration page or the statement of coverages. If it says limited tort, then you saved about $150 per year. In exchange, your insurance company got you to agree that you cannot sue for pain and suffering unless you have a serious impairment of a bodily function. What does that mean? It makes your case harder to pursue and riskier. In a suburban county, you might only be able to recover your lost wages or medical expenses.

Did you know that you gave up these rights? No.

Were you promised a cheaper policy? Yes.

Did you know that a year’s worth of physical therapy might not be considered pain and suffering?

Are there exceptions to limited tort? Yes, but there are limited exceptions.

At your next renewal, investigate whether you are limited tort or not. If you need your policy reviewed, I can give you an answer on what it provides in about 30 seconds.

Know your rights. Don’t sell them for pennies.

Texting While Driving and What Happens in Actual Case Situations:

Andrew Neuwirth Auto Accidents

Unless you witness someone with their head looking in their lap when they strike you, it is often pretty hard to prove that someone was texting and driving at the time of an accident. This is because texts are not usually time stamped to the moment of impact and the moment of impact is usually not nailed down to a matter of minutes or seconds. To further complicate things, most people begin to frantically send texts immediately after the accident to friends and family.

Nobody writes down or notes the moment of impact. Police respond when they are called and usually note the time of accident as approximately the time they arrived on the scene.

Does this matter? Yes, because most people who are texting and cause accidents will deny texting as most people know it is illegal to text while driving.

Nevertheless, texting is often the only reasonable explanation for why an accident occurred. When an otherwise sober person causes a major accident on a clear sunny day, there are only a few explanations and distracted driving is the usual culprit.

Texting while driving causes the driver to be distracted visually, manually, and cognitively. Texting is therefore worse than eating, talking on the phone, or taking your mind off of driving all put together.

Plaintiffs’ lawyer groups are speaking at high schools throughout Pennsylvania to bring awareness of the dangers of texting while driving to our high school drivers.

As a society, we have made such progress in reducing drunk driving accidents, that to just replace those gains with texting caused accidents is a shame. If you want statistics, nearly 20% of crashes with injuries were caused by distracted driving. 3300 people were killed by distracted driving and 300,000 plus injuries were attributed to distracted driving in 2011 alone.

Underinsured Motorist Coverage (UIM)

Andrew Neuwirth Auto Accidents

Insurance issues: Are you covered? What would happen to you in this case? Do you know?

A nice young man is a passenger in a car driven by his friend. The friend is driving recklessly and crashes the car. The passenger’s leg is broken in the crash and needs surgery.
I get involved to make a claim against the man for my client’s injuries.

The driver only has $15,000 in coverage. His insurance company immediately offers to pay the $15,000 because in court the injury is worth a lot more than that. I would figure that the injury is worth $75,000 or so under these facts. So, the insurer and the at fault driver is getting a good deal by paying only $15,000 for something worth $75,000. So, we consider the at fault driver to be underinsured.
Now what?

Well, car crash lawyers know this situation as one with an UnderInsured motorist (UIM). Simple right?
Well, the first thing we do is cross our fingers and request the client’s insurance declaration page. Did he request or reject Underinsured Motorist Coverage? In this case, phew, he requested it in the amount of $15,000. Yay.

So, now what happens. Now, he can make a claim or file a lawsuit against his own insurance company to pay him under his underinsured motorist coverage policy. We make a demand against them and if they don’t compensate him fully, we sue them and claim that they promised to compensate him in this exact scenario, but are not living up to the contract.
Would you be covered here?

Look at your declaration page in your car insurance. It will say bodily injury coverage. That is for use when you injure someone else. Lower down on the page, it will say underinsured coverage $15,000/$30,000 or it will say rejected. That is our situation here. If you rejected it, I would suggest you change that in the future.
Pennsylvania law requires you to carry car insurance in case you hit someone. It does not require you to carry insurance in case someone hits you. So, basically, the law requires you to protect others in case you are negligent, but does not require you to protect yourself.

Pennsylvania law says your car insurer must OFFER you insurance coverage for UIM in an amount equal to the amount you carry if you injure others, but you can reject it pretty easily by signing a form. Did you reject this? Maybe you should check?

Is My Case Worth Pursuing?

Andrew Neuwirth Case Matters

How do you know if your case is worth pursuing? You won’t know without asking.
How do you know if your client’s case is worth pursuing? You won’t know without asking.

I love getting calls about cases. I think it is interesting to hear the weird situations that befall people. If there is a case to be pursued, I listen for that. If not, I give the best advice I can and say thanks for thinking of me. Many cases are not worth pursuing because in the end they will not make the client enough money for the client to be satisfied. There is no reason to begin a case with a client if you know the result will not be satisfying.

Personal injury cases are very fact dependent. They all turn on little factual details and general areas of the law that apply to personal injury cases. As a client, you could not possibly know what a case is worth without some specialized knowledge of how “the system” values cases.

Here are some results from the past few years. Many of these clients had no idea that their case was valuable in monetary terms. They did know that they had been harmed by someone else’s negligence.

Vehicle Crashes
Car vs. Car crash with rotator cuff surgery: $330,000
Car vs. Car crash with rotator cuff surgery: $225,000
Car vs. Motorcycle crash with ankle surgery: $200,000
Truck vs. bus crash with single epidural injection: $80,000

Fall on ice with knee injury and replacement: $200,000

Special Situations
Oil Spill on residential property: $780,000
Carbon Monoxide Poisoning: $225,000
Falling tree injures bystander: $65,000

Dog Bites
Dog Bite on face: $300,000
Dog Bite on Face: $206,000

Recent results are presented as examples of firm successes and not a predictor of future results. Each case is different and each of the above cases had specific facts that made them unique. It would be unwise to evaluate your case based on the above without seeking legal advice on the strengths and weaknesses of your own case or situation.

“Elopement” Or My Mother Or Father Walked Away From The Nursing Home

Andrew Neuwirth Elder Care

Your family member walked away from their nursing home or went missing.

The nursing home did not realize they were missing until it was too late.

The nursing home industry and lawyers dealing with nursing home negligence call this Elopement.

This is not like marriage elopement where you skip the wedding formalities and just run off and get married.

When you put your family member in a nursing home or some sort of assisted living facility, you expect them to be safe, at a minimum.

Danger is to be expected when a patient who is supposed to be supervised leaves a nursing home facility unattended or without supervision.

Patients are in the nursing home because they need supervision.

They may have Alzheimers or other memory impairments. If the patient has memory impairments or other problems making good decisions, they will find it hard to get back to the facility. Or they will wander into dangerous situations like crossing unfamiliar streets or wandering into the woods.

Many of the worst elopement cases are ones where a patient, who was supposed to be supervised, wanders off into the woods and dies of exposure, or loses function from exposure.

A nursing home can prevent elopements by installing locking systems to keep residents from venturing out without supervision. Key cards, bed alarms, and other routine systems used in schools will foil inadvertent elopement situations.

Oftentimes, patients are sadly seeking to return to their homes or families from the unfamiliar or unpleasant nursing home setting. However the patient, who is intentionally eloping, is still entitled to proper supervision, which means keeping them safe from their unsafe intentions.

I Was In A LYFT Car Accident

Andrew Neuwirth Auto Accidents

Were you in a Lyft or UBER car when you were in a car accident?

Who will help with your injuries?

Is there coverage for your medical bills?

When you are the PASSENGER in a Lyft or UBER vehicle:

When you are the passenger in an UBER or LYFT car, the driver has car insurance for his personal vehicle that you are riding in. But, that car insurance company will not be responsible for your pain, suffering, or medical bills.

This is because the car insurer will say that they will not insure a commercial vehicle.

So, you have to contact LYFT or UBER. Both of these companies actually have good insurance coverage compared to your typical taxicab company.

LYFT uses York Risk Group and Steadfast insurance. York is the point of contact if you are injured in a crash. I have heard a lot of complaints about York. Don’t be surprised if they are not organized or responsive to your requests. They are slightly more responsive to lawyers. In Pennsylvania, they have an obligation to deal fairly with injured crash victims.

If you are in car crash in Pennsylvania, you are entitled to $5,000 in medical coverage at a minimum. LYFT will pay for that or the other car in the crash will pay. All you have to do is ASK!

If you are in a car crash and injured, you can also make a claim through a lawyer like me for pain and suffering.

If you find yourself with questions about this sort of situation, call Neuwirth Law Office, LLC or Andrew Neuwirth at 215-259-3687 or email me at andrew@neuwirthlaw.com or visit www.neuwirthlaw.com.

When you are the DRIVER of a Lyft or UBER vehicle:

When you are the driver in an UBER or LYFT vehicle that is involved in a crash, you will probably learn that your car insurance does not cover you for your collision or injuries. This is because you likely paid for a personal insurance policy for the car and did not advise the insurer that you were going to drive for UBER or Lyft. Therefore, your insurer will “disclaim” or refuse to pay. Commercial policies cover commercial activities and are more expensive and cover more.

If you are a ride share driver you should consider getting collision insurance on your car. Your car insurance will not cover it and then you are at the mercy of your ride share company.