
Doing The Right Thing After The Accident
Cell Phone Bans are Unenforced and Ineffective
Driver Safety is Important for Teens
Billion Dollar Corporation Learns Tough Lesson About Distracted Driving
Remember the Rules for Pedestrians
Be Safe and Share the Road With Motorcyclists
Sick Truckers Forge Bogus Health Certificates to Stay on the Road
The Common Causes of Truck Accidents (Part One)
Common Causes of Truck Accidents (Part Two)
Trucks are Built for Freight, Not Safety
Bigfoot, Flat Earth and Insurance: Eight Popular Insurance Coverage Myths
Customers are Being Overcharged by Insurance
Bad Faith Laid Bare: Allstate Fights to Keep Documents Secret
Will California Become The New Gulf Coast?
Groundbreaking New Law in The Pacific Northwest
Big Pharma Gets New Federal Testing Guidelines
Cheap Foreign Goods May Have Hidden Costs
OxyContin: Pharmaceutical Company Addicts Thousands for Profit
The FDA: Is There a Doctor In The House?
Medical Errors That Should Never Happen
Hospitals and HMO's are Charging for Medical Errors
The Fallacy of "Between You and Your Doctor"
Blood Thinner Overdose Nearly Kills Quaid Twins
Looking Good on TV Doesn't Make You a Good Doctor
Secondary Impacts in Sports Can Kill
TWA Flight 800: Ten Years and Nothing has Changed
Why You Should Choose Lewis & Tompkins to Represent You
New Continuance Policy for Prince George's County District Court
Civil Rules of Civil Procedure - D.C. Superior Court
D.C. Casefilexpress Filing Instructions
D.C. Superior Court Multidoor Dispute Resolution Forms and Instructions
Judge Wetzel's Discovery Checklist for Virginia Trial Attorneys
What Will Lewis and Tompkins Do For You? (Part 2 of 2)
What Will Lewis and Tompkins Do For You? (Part 1 of 2)
What Happens During a Lawsuit?
Crane Collapses are a new epidemic
Read More about "DC Remains Static on DUI Fatalities"
Read More about "2007 Crash Statistics are Out"
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According to a recent study by Allstate, D.C.s drivers rank among the worst in the nation. And by "among," we mean "the worst."
Our drivers average one accident every 5.4 years. This is not something to be proud of.
To see an article about this, follow the link below.
http://seattlepi.nwsource.com/opinion/369342_caronline06.html
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With gas being as expensive as it is, you would think that less people would be driving this summer. But regardless of price, summer is the time for vacations and driving and sponsored trips.
The NHTSA has released a study showing that those 15 passenger vans used by churches and boyscout troops can roll over pretty easily.
Follow the link below for more information.
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Allstate Insurance Company has now resorted to the oldest excuse in the book: Blame the Lawyer.
The back story:
Allstate initiated a program in the mid-1990's designed to limit claim payments. The program was designed by a consulting company named McKinsey. Here's a brief summary of the program:
1. Allstate stopped paying claims. By delaying claims as long as possible, Allstate made more mony on its reserves. This was all pure profit.
2. Allstate started evaluating claims based upon a computer program. The program (designed and maintained by Allstate) was called Colussus. Sounds ominous. Colussus is (was) programmed to make lower payments. Allstate then could claim "our computer says your claim is worth $100.00."
3. Allstate stopped negotiating with anyone. Allstate would only offer the computer program offer. If you did not like it, tough. Sue us.
4. Allstate hired "in-house" attorneys. Rather than pay counsel at defense firms their hourly rates, Allstate hired an army of lawyers and paid them a salary. This fixed defense costs, and made them more money. In a later post, I'll discuss the ethical issues this poses for attorneys.
5. Allstate began a practice of deceptively manipulating people to prevent them from getting legal counsel, and discriminating against those that did retain counsel.
Each of these tactics (and more) were a dramatic shift in the insurance industry. Allstate was in the lead. Many other insurers followed suit (State Farm, USAA, and Farmers to name a few) and now follow these practices.
Now, in Florida, as part of a claim involving Allstate, counsel for a negligence victim requested from Allstate the documents (many of which have been produced in the past, including to my firm) outlining this program. This was a run-of-the-mill rear end automobile accident, but Allstate treated the victim to the new program. When asked for documents about the program, Allstate refused.
A judge in Florida, after hearing the case, ordered Allstate to produce the documents. Allstate again refused. The Judge ordered Allstate to comply or face a $25,000.00 per day fine. Did Allstate comply? No.
See, Allstate thinks it is above the law. Allstate believes that the public resourse of the Courts are its private (taxpayer funded) claims evaluation device. If a judge did not do what Allstate wanted, it ignored the judge.
This article, while reporting what I assume is good news, leaves some gaps. Allstate claims that it did not produce the documents because of its lawyer. "We thought our lawyer would handle it." Nonsense. Allstate's typical abusive litigation tactics finally caught up with them. After one year, Allstate had still not done as ordered, and did not produce the doucments. The matter settled on confidential terms, meaning that the plaintiff was so economically beaten down at that point, his grievance could not be heard in public.
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In case you were wondering, insurance companies also deny claims for doctors as well.
The AMA has just put out a report card for every major health insurance company, grading them on how long it takes for them to pay what they owe to doctors.
Follow this link to see how your insurance company rates.
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Most people when purchasing automobile insurance, are concerned only with saving money on their premiums. Most people are buying insurance merely because they have to get insurance to get their tag turn on their vehicle. Unfortunately, most people do not appreciate the important role that insurance has been protecting them and their an automobile accident.
Car accidents are exactly that, accidents. No one wants to be involved in a car accident.
Here are some coverages that most people cut in order to save money on their premiums. The most frequently cut coverages are:
Once someone is involved in an accident, they discover the need for having these coverages. What many people do not realize is that fully 40% of all the vehicles on the road and the District of Columbia have no insurance. This is surprising to those people, particularly those people who are responsible and carry the required insurance coverages. When involved in an accident with no insurance, if you don't carry those coverages themselves, people are left with no realistic way to recover for medical expenses.
Here is an example:
A client came to our office, upset, because their car had been damaged. The prior client's vehicle had been hit on the street by a vehicle that fled and did not leave any information behind. The client asked us to help. Here's the problem: the client waived their collision coverage! The adjuster told the client that , "You don't have collision, so we do not have to fix your car." If only the client had bought collision coverage!
Fret not for our client, however! We did get their car fixed - but through the client's uninsured motorist coverage (required to be provided in DC). However, the adjuster did not tell the client (misled - really) that the car could be fixed through uninsured motorist coverages. Once the client called us, the car was fixed in a week with only a $200.00 deductible.
Good thing they knew Lewis & Tompkins!
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Under a newly enacted statute, insurance companies must act in "good faith" in dealing with property and casualty (car accident) claims. "Good faith" is "an informed judgment based on honesty and diligence supported by evidence the insured know or should have known at the time the insurer made a decision on a claim."
Insurance Companies have a duty:
*To promptly investigate your claim
*Communicate regularly with you regarding the status of your claim
*Promplty pay you any undisputed portion of claim
*Provide a prompt and reasonable explanation of any claim denial or offer compromise settlement.
Maryland has now joined more than thirty States in extending first-party bad faith recovery to those injured in car accidents as well as those that have sustained damage to their property (automobile and home).
Over time, Insurance companies will be less likely to require plaintiffs to go through a trial to recover the money they deserve in the first place.
So what do you do when an insurance company does not act in good faith?
Before this new law, insureds had no real recourse against their Insurance Company when their property damage claims were not handled in "good faith". When your recovery was limited to the damage to your vehicle, most people couldn't affort to hire an attorney to represent them. Under the new law, attorneys can recover their attorney fees (up to one-third of the actual damages) as well as the expense of hiring experts and other costs if an insurance company is not acting in good faith.
For the past several years, Insurance Companies such as Maryland Automobile Insurance Fund (MAIF), State Farm Insurance Company, GEICO (Government Employee Insurance Company) Traveler’s Insurance Company, Allstate Insurance Company, Liberty Mutual Insurance Company and others, have hired companies such as CORVEL to "audit" their insured’s medical bills for "reasonable and necessary" charges. Medical bills that are owed by an injured person were not being paid fairly by their insurance company under the Personal Injury Protection (PIP).
Here's an example from our firm: My client received a bill for $194.00 from the emergency room physician. His insurance company, GEICO refused to pay more than $70.20 of that bill leaving my client to pay $123.80. He has insurance, but they are simply refusing to pay, and leaving my client with the bill. But that's only one bill, other bills for this client include a bill for chiropractic treatment and doctors visits for which $804.90 was denied payment by GEICO. These unreasonable and unnecessary cuts in payment of medical bills harm the injured person -- the person who paid the premiums every six months!
This also hurts the medical providers, because they are not getting paid. My client is out of work and can't pay this bill. GEICO is responsible for this bill, but is shirking its responsibility. If the rest of the medical bill goes unpaid, the medical providers will send the bill to collections which affects the me client's credit and may result in a judgment against my client. With this law, attorneys can hold insurance companies responsible when they do not act in good faith.
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How important is profit making to Allstate? Important enough for Allstate to hire a consulting firm, McKinsey & Co, to re-design their policies, methods and claims procedures that set up a claims payment system that shortchanges injured victims in automobile claims while earning big profits. The McKinsey documents, about 12,500 pages, is the Allstate Bible on how to amass large profits at the expense of its own policyholders.
How important is it to Allstate to hide their bad faith claims practices? Important enough to pay $25,000 a day in contempt charges for refusing to provide these records under Court subpoena in Missouri. That fine is now over $ 3 million and growing.
That is why the Florida Insurance Commissioner Kevin McCarty has suspended the authority of Allstate to sell new auto insurance policies in the State of Florida. The sanction is due to the fact that Allstate is refusing to provide records to the Insurance Commissioner. McCarty stated, "If Allstate is willing to pay $25,000 per day in fines to a Missouri Court for its ongoing failure to provide similar documents, it’s obvious to me that it will take more than a monetary sanction to get them to comply with our subpoena."
If Allstate simply paid their policyholders in Uninsured Motorist Bodily Injury and Uninsured Motorist Property Damage cases, as they promise, there would be no need for the strategies and procedures that are outlined in the McKinsey documents.
The reposts show Allstate would sve $700 million (and boost shareholder value) by delaying and denying policy-holder claims -- for any reason or no reason. Allstate should be like and alligator, the McKinsey reports state. Allstate should "sit and wait" in the hope of frustrating claimants so they would accept less or simply give up their claims and go away. If they don't, attack and drag them under. How's that for "good hands?"
If you or the driver of the vehicle involved in your car accident have Allstate, you are NOT in good hands. Hire an attorney immediately to protect your rights and get you the compensation you deserve.
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Follow this link to a fairly heartbreaking article about a parent who lost his child due to medical errors.
http://www.capecodonline.com/apps/pbcs.dll/article?AID=/20080619/LIFE/806190301
Keep in mind, 98,000 people a year is the equivalent of a major plane crash happening every single day.
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With gas in the neighborhood of $4 a gallon, more people are choosing to walk or bike to work. With more bikes and pedestrians on the street, the public probably needs a refresher course on bicycle safety.
The Post recently put out an article that gives a pretty good rundown on how to share the roads responsibly. Follow the link below to see the article.
http://www.washingtonpost.com/wp-dyn/content/discussion/2008/07/23/DI2008072302245.html
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A trash hauling truck struck a passenger vehicle on I-270. The two occupants of the vehicle, a man and a woman, were pinned under the back two wheels of the tractor trailor.
While they survived, both passengers of the vehicle sustained serious personal injuries, including neck and back injuries. There were taken by amublance to the hospital. In Montgomery County, Maryland, these victims will probably need the assistance of an experienced personal injury attorney, like us, to assist them when the trucking company says they were not hurt when the truck landed on top of them!
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The American Association of Justice just released a list of the ten worst insurance companies, and Allstate made the top of the list.
In order to be rated, you have to wholeheartedly embrace a philosophy called "Deny, Delay and Defend," which basically involves doing anything necessary to avoid paying claims.
Here is the list:
If your insurer is on the list, you might want to rethink your policy.
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Read More about "A great explanation of "tort reform.""
The Department of Transportation recently released a study showing that teens arent wearing their safety belts when they arent supervised.
Predictably, the number of teens involved in fatal accidents who arent wearing their seatbelts is alarmingly high.
Follow the link for more information, and take the time to make it clear to your teenage driver that wearing a seatbelt is not optional.
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The National Highway Traffic Safety Administration is providing automatic updates via e-mail or text messaging.
Whenever there is a safety recall involving tires or child safety seats, subscribers will recieve information in their e-mail accounts or PDA's.
We think signing up for this service would be a good idea, particularly if you have small children.
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State Farm seems to think so.
They want a judge to sanction the Rigsby sisters, who are two ex-State Farm employees who made very incriminating documents public.
Read More about "Is it OK to fine a whistleblower?"
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Read More about "Not even the lizard can help this kid."
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Read More about "Insurance Company Tactics That Cost Us All"
Read More about "D.C. Solicitation Bill Gets Enforcement"
Read More about "Most Medical Malpractice Claims Close With NO Payment to Victims"
Read More about "Taxi Cab Meters Coming?"
In a recent web-news article, criticism has been leveled against D.C. Superior Court's new electronic case management system. Our firm uses technology to manage its cases, and we believe that everyone, including the Courts, should as well.
Our site has links to the electronic case mananagement systems we frequently are required to use. My experience as a litigator is that these electronic case management systems are excellent. While learning anything new can be a little frustrating, the ability to electronically file documents with the court, as well as check the date and time of the filing, is very helpful.
Electronic filing simply requires an attorney, rather than photocopy and mail or deliver a document to the court, to scan a document and upload that document to the court. This saves a tremendous amount of time and money. No more paper copies, no more postage, no more courier fees, and no more waiting in line at the clerk's office.
Electronic filing also allows for easier searching of a court docket entry for missing filings. Don't believe that lawyer filed that motion? Go to the docket and find out. You don't have to make a special trip to the clerk's office, wait for the clerk to look around for the file, and then flip pages to find the entry.
I commend D.C. Superior Court for looking to the future and pushing electronic filing.
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Read More about "Myth of Excessive Jury Awards"
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Did you know that the taxi you get into every day in the District of Columbia has less insurance than any other car on the road? Its true. Our firm represents many taxicab drivers who have been injured on the road by the negligence of other motorists. Unfortunately, taxicabs cannot carry the basic insurance coverages necessary to protect their occupants from financial harm.
Somehow, years ago, the D.C. Government allowed a loophole to let taxicabs carry substantially less insurance than any other car on the road.
Every private car in that drives in the District of Columbia must carry a minimum of $25,000 in liability insurance for each person, $50,000 in coverage per accident. That liability insurance must also cover accidents caused by uninsured motorists. In D.C., forty percent of the vehicles on the road do not have insurance! Because of that, the D.C. Law requires each vehicle to carry uninsured motorist coverages. (see our Frequently Asked Question about Uninsured Motorist Coverages.)
Taxicabs cannot carry uninsured motorist coverages. Why? Good question. There is absolutely no defensible reason why taxicabs should carry less insurance than any other car on the road. The only insurance companies that sell taxicab insurance do not provide uninsured motorist coverages, which means that it is not even available in D.C. Taxicabs also cannot carry medical expense coverages or Personal Injury Protection.
I have been working with the D.C. Government to fix this situation. I intend to make taxicab coverages mirror at least what other cars must carry. With some help from the D.C. Council, the District Insurance Commissioner and the Taxicab Commission, I hope to help protect taxicab drivers and the general public from this loophole in the law that makes taxicabs carry less insurance than other cars.
Read More about "Uninsured Motorist Coverages for Taxicabs in the District of Columbia"
Lewis & Tompkins
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Washington, DC 20005
Phone: 202-296-0666