Aug 20, 2009 | jury duty
Jury duty can be a pain. You have to go down to the courthouse, verify your paperwork and then sit around for hours waiting to be called (and hoping your not). If you are called you get herded over to some courtroom where you are asked a bunch of questions about yourself and your beliefs (you try to keep a low profile so no one asks you questions) and then hopefully you will be excused and not have to serve. Sound familiar? A couple of friends (non lawyers) and I discussed this very topic this morning. They were upset with the amount of wasted time in the process and in some cases the attitude of the lawyers. I have been on the other side where we have waited for days to get a jury panel because not enough people showed up to serve. How can we make the process more streamlined, more pleasant and enjoyable? If you have gone to jury duty post a comment and let me know your experience good, bad or indifferent and any suggestions you have to make it better.
Aug 13, 2009 | political parties
Politics are something that is generally avoided in legal blogs so as not to offend anyone, but sometimes not saying anything is more offensive. Republican or Democrat does it really matter. Both parties are spending us into bankruptcy and blame the other. They talk about representing the people and not special interest, but who are these “people” because it is not anyone I know. One claims they want free market to decide whether a company succeeds or not, but then reward certain companies with bids, bails out certain companies while allowing others to go under and institute legal “reform” to protect others when they injure someone or cause economic harm. Our soldiers are getting killed taking showers due to faulty wiring, and their families can not hold the company responsible. The other party is claiming that they will provide health care “reform” and virtually no one has even read the bill which will change our options and choices of medical care. I was raised and believe that you do what is right and if you mess up, you take responsibility and try to make it right. Work hard and help others who need help. I believe that and want a party who believes it as well. I hear people say neither party is perfect, that is true, but I would settle for honest. My party seems to have disappeared. If you happen to find it let me know.
Aug 5, 2009 | health care
When you are involved in a car crash the insurance company for the other driver will normally ask you to sign a medical authorization to allow them to gather all your medical bills and records to help evaluate the case for settlement. DO NOT SIGN IT. They do need to get the records and bills to allow them to evaluate the claim and you should provide those items to the insurance company, but do it yourself. Get the actual bills and medical records, delete your social security number and any other private and non-related information and mail them to the company. I know you are asking, but if they will do it why should I go to all the trouble. The reason is because the authorization they will ask you to sign will almost always not be limited to the time frame after the crash and will allow them to speak to your doctors directly. Why would you want your personal information which has nothing to do with the crash discussed and turned over to the insurance company? You can prevent it by just getting the relevant information yourself and providing it to the insurance company. They get what they need, you do not have your entire medical history from birth forward and they should be able to evaluate the case for settlement. If they continue to demand you produce records prior to the wreck you may as well prepare for a lawsuit, because they are more interested in defending the case than in evaluating it for settlement.
Aug 1, 2009 | Insurance
Allstate spends millions and millions of dollars in advertising to convince people that they are there for them when they are needed. The good hands people. My experience is that Allstate continually denies or undervalues valid claims which results in their insured being sued. If that is not bad enough, many times they file answers which deny facts that their own insured later admits in their sworn testimony. The sad part is that this is so common that most attorneys are not even surprised at the tactic. This action not only results in their insured being sued for an accident which everyone knows was their fault, causing them to miss work and go through the stress of litigation but can result in the Allstate insured potentially being personally liable for a large verdict in excess of the policy limits. That is exactly what happened in Houston this week.
A young girl was hit by a man who ran a red light. He was insured by Allstate. The police listed him as the cause of the crash. She had over $16k in past medical and needed additional medical care which would cost $22,500.00 which was undisputed. The Allstate insured only had $25,000.00 in insurance coverage which the girl offered to accept. Allstate refused. Their insured gets sued, has to answer discovery, give a deposition, miss work and stress over this lawsuit. The day the trial is to start the lawyer for the young girl offers again to settle for the policy limits which would not only end the lawsuit, but protect the Allstate insured from any risk of an excess verdict. You would think they would jump at the chance to settle and protect their insured. That is why we pay premiums and they are the “good hands” company. Allstate instead choose to offer $12,500.00, which was refused. Jump to the next day, the jury returns and find the man 100% at fault and a verdict against in for $202,942.70. Now he faces the possibility of being personally liable for almost $200,000.00 all because Allstate decided to refuse to settle a claim that anyone who has any sense knew they owed. If you are in a wreck, never assume that your insurance company is going to do what is in your best interest. Require them to copy you on all letters and offers. In the last few years we have had more and more situations in which we have represented the insureds personally to make sure the insurance company did what they should to protect their insured. Will Allstate take notice and begin to fairly evaluate claims to protect their insureds from being sued? I doubt it. Based upon their history, I would expect them to just increase the advertising budget, blame the juries, judges and lawyers. Anything but take responsibility. Why should they when they can just drop their insured in the grease. Let me know your comments.
