legal new – 11/30/21 -Personal-Commercial Vehicle-Auto-Dog-Traffic Ticket – gtg

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The Statistics

The Federal Motor Carrier Safety Administration (FMCSA), estimates that:
There are 402,000 police-reported motor vehicle crashes involving commercial vehicles every year
There are approximately 110,000 injuries annually
There are approximately 4,400 deaths annually
Accidents with commercial vehicles cause about $57 billion worth of damage each year
23% of truck crashes occurred when commercial vehicles were driving too fast for road conditions
40% of speed-related deaths occur on curves
Loaded trailers need 20-40% more distance to brake in order to come to a complete stop than the distance passenger vehicles require
A loaded trailer is 10x more likely to roll than an empty one
13% of commercial truck accidents involve a fatigued driver

What is a commercial vehicle?
According to the California department of motor vehicles (DMV), commercial vehicles are used or maintained for the transportation of persons for hire, compensation, or profit. For example:

Buses when used to transport people for hire
For hire vehicles taxis, limos, and ambulances
Motor trucks used to transport property
Multipurpose vehicles
Tow trucks
Truck tractors
Water-well drilling rigs

The common causes of commercial truck accidents:

Commercial driver mistakes
Under the influence of drugs or alcohol
Making unsafe lane changes
Aggressive driving
Mechanical or vehicle defects
Failed brakes
Engine problems
Failed inspections
Blown/flat tires
Poor or unsafe road conditions
An overloaded vehicle becomes more difficult to control because of the vehicle’s weight
Unsecured cargo
Error caused by another driver/vehicle

Commercial vehicle driving tips

Buckle up – prevents ejection from the vehicle and protects against serious head and spinal injuries

Don’t drive too fast for road conditions:
In rain, snow, ice
In fog
On uneven roads
In construction zones
In intersections, around curves
In heavy traffic
When entering/exiting a ramp
With a loaded trailer

Familiarize yourself with roadways – map out the route beforehand. It ultimately saves time and minimizes distractions of a map/phone or GPS

Carefully survey your surroundings:
Make safe lane changes
Be aware of blind spots
Use and check mirrors frequently
Anticipate the road ahead, drive defensively
Cautiously approach intersections

Avoid driver fatigue:
Get enough sleep
Avoid driving between 12-6 am and 2-4 pm (the hours when drivers are most tired)
Avoid medications that cause drowsiness
Rest/nap for at least 45 minutes at a time

Avoid distracted driving:
Don’t eat, text, read or play with the radio while driving
Stay focused on the road and not on outside distractions

Leave adequate spacing:
Keep a safe distance between you and the vehicle in front
Double the spacing in poor weather conditions or roadways

Practice evasive actions:
Pay attention to brake lights in front of you
Anticipate the actions of vehicles in front of you
Frequently scan the road for hazards, other drivers

FAQs about commercial truck & auto accidents

Question: What is a commercial truck driver?
Answer: Commercial truck drivers have specific driver training and have special regulations that control how and when they can drive. These professionals have the responsibility of maneuvering very large vehicles up to 20x bigger than the average passenger car.

Question: What are the FMCSA hours of service (hos) regulations?
Answer: These are strict regulations that dictate how long the drivers of passenger-carrying vehicles and property-carrying vehicles may drive without rest or off-duty time. The regulations are specific and must be adhered to, ensuring both public and driver safety.

Question: What can happen when commercial drivers fail to abide by the hos regulations?
Answer: Drivers start to experience dangerous and potentially fatal impairments such as:
A delay in reaction time
A lack of attention
Risk of falling asleep at the wheel
A decrease in alertness to dangerous road conditions or other drivers
A loss of vehicle control

Question: what should I do if I’ve suffered an injury as a result of a commercial truck accident?
Answer: There are 5 important steps that you should take:

*Most importantly, seek medical attention if you are injured. There are many potentially dangerous injuries that can be hidden or may not present themselves at the time of the accident, like head trauma and spinal cord injury.
*Take pictures of the scene, any injuries, and any damage to vehicles.
*Collect any witness testimony and personal information.
*Do not accept any form of settlement from the commercial driver’s insurance company. Commercial insurance companies can be difficult to deal with and claims are usually more involved than they are for normal passenger vehicle claims. Often there are various agencies involved in the investigation of the accident, lots of evidence gathering (including checking the on-board recorder, logs, and any recent truck inspections), and determining what, if any, trucking violations have been committed. In addition, there can be multiple vehicles and drivers, multiple victims, and very serious and even fatal injuries involved.
*Contact a personal injury attorney as soon as possible, who can help guide you through the oftentimes complicated and confusing process. It’s important to find the cause of the commercial vehicle accident in order to determine who is at fault, which eventually leads to compensation. An expert will be able to assist you with this investigation.

The next step
If you suffered serious injury as a result of a commercial vehicle accident, contact our Law Office. We are automobile accident attorneys with a proven record of success in helping those who suffer from a serious injury, to receive the necessary medical attention, care, and treatment you need, in addition to compensation for future care you may require. Call for a free consultation and case-specific guidance.




Victims of Dog Attacks

Dog bites are dangerous and can cause permanent disfigurement or even loss of life. These injuries can leave emotional and physical scars that may never heal. If you or a loved one has been the victim of a dog attack, consulting with a dog bite attorney is essential in order to ensure that your rights are fully protected. Having an aggressive and experienced attorney on your side will ensure that you receive the compensation you deserve for the injuries sustained and allow you to more quickly move forward with your life. At our Law Firm, we have over 35 years of experience in personal injury claims, providing our clients with dedicated and aggressive lawyers who take a no-nonsense approach to recover damages for your losses.

Although most pets are friendly and provide great companionship to man, unfortunately, there are the few that are vicious and dangerous to those who live or pass nearby them. Millions of Americans are bitten every year with over 850,000 requiring medical attention. Sadly, many of these are children. It has been shown that many dogs that have bitten a person once, will bite again. Owners of such pets usually have ample warning of the dangers their dogs might pose to innocent bystanders. Most people have very little information on what to do if they or their child has been bitten by a dog. A dog bite attack can occur for a variety of reasons, and serious bodily and emotional injuries can be inflicted on the victims of such attacks.

Dog bite statistics show that over 4.7 million people are bit by dogs every year. Of those bitten, 800,000 require some kind of medical attention. You may be wondering what to do after a dog bite incident that has left you suffering from soft tissue injuries or another form of injury. The experienced attorneys at our firm have the vital information you need to know about the legal rights of dog bite victims. We are committed to assisting those who have suffered from dangerous dogs and protecting your children from dog bites in the future as well. We have experience helping children victims of dog bites and helping their families seek compensation for the physical injuries and emotional trauma that was caused.

Facial injuries in dog bite incidents can have a lasting impact on a child or adult and may even result in life-long disfigurement. Dog bite law holds the dog’s owner liable for damages caused by a dog attack. Dog owner liability/responsibilities exclude situations where a dog bites a trespasser, a veterinarian, or if the dog bites someone provoking it. For more information on dog owner responsibilities,
fatal & severe dog bite injuries, leash laws, and answers to your questions like “do I have a case? “, please contact our Law Firm today.

Injuries from dog bites
While most dog bites are not fatal, they can and do leave serious injuries that leave considerable trauma in their aftermath. Most dogs bite a person’s face or legs, causing wounds such as lacerations, abrasions, cuts, punctures, and tears. When deep enough, these can also cause fractures, nerve and muscle damage, and disfigurement. Often these injuries require surgery and subsequent reconstructive surgery to repair. Scarring often lasts a lifetime, with emotional and psychological trauma continuing long after the incident took place.

Because of the often severe and permanent injuries that are caused by a dog bite, having our experienced and committed legal team working on your behalf is essential. Medical costs of recovery for this type of injury are extensive and can create a financial burden on a family. Our firm will uncover all possible insurance sources available to you, whether from the owner of the dog, its keeper at the time the dog bite took place, or any public venue which should have protected such an incident from occurring but failed to do so.

Contact a dog bite lawyer at our Law Firm today for a free initial consultation following a dog attack that has led to injuries.


Dog Bbite Attack FAQ’s

This page answers some of the most common questions asked by our clients about dog bite cases.

1) If I get bitten by a dog, is the dog’s owner liable for the injuries?
The owner’s responsibility for injuries depends on where the dog bite occurred. Dog bite laws vary depending on the state and city laws, ordinances, and rules. Most states impose special protection laws more favorable to dog bite victims through “strict liability” rules. In other states, that follow the “one-bite” rule, it is more difficult to make the dog’s owner responsible because there must be a showing that the owner was negligent, and had knowledge of the dogs past biting or propensity for dangerous behavior. In addition,
violation of leash law or other rules may make an owner liable.

2) What is a strict liability dog bite state?
These are states in which the owner of the dog is generally liable for injuries caused by the dog bite even without showing any negligence, knowledge, or intent to cause harm by the owner.

3) What is a “one bite” dog bite state?
These are states in which the liability of the dog owner (or custodian) depends on whether the dog has previously bitten anyone or has done anything that should have put the dog owner on notice that the dog had a dangerous propensity to bite someone. The dog is generally given one free bite, after which the dog bite owner is held to possess knowledge of the dog’s dangerous propensities and therefore responsible for injuries caused by the dog.

4) What compensation can be recovered in dog bite cases?
Damages sought by an experienced dog bite attorney usually include the following:
-past and future medical expenses (emergency/urgent care bills, ambulance bills, office visits, surgery, physical therapy, medication)
– lost wages caused by time off work and/or reduced earning capacity
-pain and suffering
– property damage

5) Will bringing a case cost me money?
No, you will not have to pay any money unless we are successful in obtaining a recovery for you. If we are successful on your behalf, we receive a contingency percentage of the award and this is approved by court rules.

6) Will I have to go to court and get on the witness stand?
Although it is possible, it is unlikely you will have to go to trial. Our years of experience as aggressive advocates on behalf of our personal injury clients results in the insurance company’s settling the majority of our dog bite cases before having to go to trial. We
strive to minimize the hassle and stress our clients have to go through. After all, our clients are the victims, have suffered sometimes vicious and traumatic dog attacks. We try to make the whole process as short and hassle-free as possible to get our clients the maximum amount of recovery and let them move on with their lives.

7) What constitutes a dog bite?
Although there is some variation from state to state, generally, if the dog’s jaws have closed down anywhere on the victim’s body, this constitutes a dog bite even if the dog’s teeth did not penetrate or break the skin.

8) Can I recover if there is no actual bite?
Compensation can be sought for other injuries caused by a dog attack but which do not include an actual bite penetrating the skin-such as injury caused by being knocked down by an aggressive dog. These injuries often come within common law or negligence rules under which you must show that the dog’s owner or custodian was unreasonably or recklessly careless-such as that the dog’s owner knew or had reason to know that the dog was vicious or dangerous to people, or had a propensity for the specific type of dangerous activity (such as jumping on people or knocking people down.) Liability generally exists also in the case of dogs that attack when off their leash in violation of leash laws.

9) How long does it usually take to finish the process and receive compensation?
Although each case is different and it always depends on the nature and complexity of the medical injuries, generally it takes about a year to receive compensation, with many cases settling much faster than that. We are usually able to obtain a settlement and receive
compensation within two months of finalization of the medical treatment.

10) Who will have to pay? I know the owner of the dog, and I do not want to burden them or force them into bankruptcy. I just want fair compensation. If I file a lawsuit, will it bankrupt them?
You do not have to worry. Most dog bite injury cases are covered by homeowners, renter’s, dog owner’s, or landlord’s insurance policies so that the money paid almost always comes from the insurance company and not from the owner of the dog. Since it is extremely common that the dog involved in the bite is owned by a family member, friend, or neighbor, this fact that the insurance company usually pays the damages gives relief to a lot of victims who feel uncomfortable with the idea of making someone they know to pay the money. Where the claim is successful, so long as the insurance policy covering the bite provides sufficient coverage limits for the amount of the claim, the insurance company, and not the owner, will pay the entire damages. In the event that there is no insurance policy covering the claim, or the coverage limit was inadequate, and the owner could possibly have to pay the damages themselves, without the help of insurance, our experienced attorneys will inform you of this present your options, and leave it up to the victim’s discretion as to how to proceed.

11) What insurance policies might cover dog bite injuries?
Homeowners insurance, renters insurance, landlords insurance, commercial general liability insurance, auto insurance.

12) Who else besides the owners can be liable for the injuries caused by a dog biting someone?
–The parent of the owner of the dog can be held liable (if the dog’s owner is a minor, generally under 18).
–Custodian of a dog can be held liable (such as dog walker, dog-sitter, neighbor) can also be held liable.
–Landlords or apartment property owners can be liable for dog bite attacks. There are often standards imposed in cases of landlord or property owner liability such as that the landlord must have known about the dangerous nature of the dog who committed the
attack and did nothing about it, but there are also circumstances where landlord liability can exist for defects in the property such as if a gate or fence on the property was defective and allowed the dog to escape and attack someone.
–Commercial property owners may be liable.
— Homeowner’s associations and property management companies: the owner or landlord or HOA or management company at a commercial property may have affirmative obligations to inspect and be aware of the existence of a dangerous dog on the property, such as if a business owner keeps a dangerous dog at his place of business who bites a customer.
— Daycare centers may be liable.

13) Are dog owners always liable in a strict liability state?
No, there are exceptions such as if the dog bite victim was trespassing at the time of the bite. Other additional exceptions may be if the dog bite victim was a veterinarian or other professional providing treatment to the dog, the victim was committing a crime against
the dog owner, the victim abused the dog physically, or if the dog was the police or military dog on duty.

14) Is there a time limit by which I have to bring a lawsuit in a dog bite case?
Yes, every state has a time limit or deadline called a “statute of limitations” by which the victim of a dog bite attack must bring their claim. The specific “statute of limitations” time deadline varies from state to state, and it generally runs from the time of the dog bite incident. Courts are very strict in requiring compliance with these time limits so care must be taken to take action promptly to ensure legal rights are not lost.

15) Why do dogs bite?
Dogs bite for many different reasons, sometimes to a perceived threat to their and their owner’s territory, due to neglect, disease, temperament, breeding, mistreatment, and various other reasons.

16) Is there a way to reduce my chances of getting bitten?
Unless you are very familiar with a dog over a long period of time and know that it is friendly, you should not try to pet it. Even if a dog has been friendly in the past, a dog’s mood or temperament could change, without your knowledge. Sometimes dogs that have been sick, mistreated, or have been placed in threatening or provoking circumstances may exhibit violent or aggressive behaviors. Some warning signs that a dog may be inclined to violent or aggressive activity are growling, baring of teeth, snarling, or staring angrily.

17) Do I have to hire an attorney to handle my case?
To give you the best chance for success in maximizing your recovery, you should retain an experienced aggressive dog bite attorney who will fight for you, who knows exactly how to put together the claim that will lead to the best results, and who takes the aggressive position of not being afraid to go to trial so that the insurance company attorneys know they must come up with the maximum offer, or suffer the dangerous risk of losing a large judgment after a trial. An experienced dog bite attorney will ensure that all of the evidence and testimony, whether it be from the dog owner, the witnesses, the medical personnel, government agencies, and you, the dog bite victim, is professionally assessed and presented in compliance with legal evidentiary standards. Additionally, the experienced attorney will assess and work to capitalize on weaknesses or strengths in the insurance company’s position such as issues of the victim’s location at the time of the bite, any provocation or mitigating factors, any policy limits, or loophole issues in the insurance
coverage. Finally, the experienced dog bite attorney will work to ensure compensation is sought for the victim’s future cost of medical injuries and any psychological trauma scarring or disfigurement that may have been incurred in the attack.

18) Won’t the insurance company make a fair offer to me?
Beware–the insurance company’s only goal is to get you to settle your claim for as little as possible; they are not looking out for your interests. Ordinarily, the insurance companies only make their maximum offers when they know that the victim has hired an aggressive experienced attorney who has promptly begun to preserve evidence and establish the strongest claim possible and is moving toward trial. Our experienced aggressive attorneys will fight for you by doing exactly this-aggressive, thorough, and diligent preparation of legal claims —this is what makes the insurance companies act and come up with the maximum amounts possible to compensate you for your injuries.

19) Why should we use your attorneys?
Our service is free, and it is dedicated to providing you with experienced, knowledgeable aggressive attorneys to fight for you. They will provide you with a no-cost, no-obligation consultation to assess your case and answer your questions. Our attorneys look forward to the opportunity to talk to you about your case. You can call toll-free or submit your contact info in the contact sheet and you will be contacted promptly for a free consultation.

20) What steps will the attorneys take once they are retained?
Our attorneys will contact you, answer your questions, explain the entire process followed to best preserve your rights, and give you an estimate of the value of your case. We will contact the insurance company and coordinate the medical bills and treatment of physical injuries, medication, therapy, and any psychological treatment needed for the trauma. We will gather evidence to document your case including, if possible taking photos of the scene, the injuries, the ripped clothing, the dog, and gathering any other evidence from witnesses, police, animal control, and any other sources. We coordinate the contact with quarantine officers, arrange for a medical review by a plastic surgeon in order to assess the extent of treatment required, and coordinate the gathering of all the medical and treatment reports. Our goal is to minimize the hassles for you so you can reduce your stress, know you are in good hands with someone looking out for your interests, and you can move on with your life, and concentrate on healing.

21) Why do our attorneys have such a high success rate in obtaining favorable settlements?
Because our attorneys have obtained successful results in previous dog bite claims, we always proceed from a position of strength, not weakness. We aggressively and quickly prepare a complete and thoroughly documented claim and we treat each case as if we are going to go to trial. The insurance companies we deal with know our reputation, our extensive experience and past victories, and our willingness to go to trial for our clients and this maximizes the favorable settlement offers we receive for our clients.

22) What happens to the dog that committed the attack?
Under most state laws, nothing is done to the dog except for a short quarantine period which, upon a showing that the dog has received all its vaccinations, especially rabies, can usually occur at the dog’s home or the dog’s veterinarian’s office. The quarantine
period is performed and supervised by the animal control or other agency to be sure that the dog is not diseased or excessively violent. In the event that the dog is found to be highly dangerous or vicious during the quarantine period, local animal control authorities or a court may make appropriate orders regarding the dog.

These FAQs are provided for general information purposes. Since no two cases are alike and there are numerous factors and variables involved in every case, it is best that you contact an attorney as soon as possible after the dog bite incident to obtain an assessment
of your individual case.

Important Facts You Should Know About Dog Bites

A virtual epidemic of dog bite incidents is occurring: the number of dog bite attacks increases every year. There are more than four and a half million dog bite incidents yearly, one occurring every 30-40 seconds, with over 1000 dog bite injury victims going to emergency rooms and another 2000 receiving some kind of non-medical treatment for dog bite injuries each day. Financial losses exceed one billion dollars a year. Due to the increasing dog population, increase in urban high-density living and the corresponding increase in the interaction between dogs and people in sidewalks and narrow environments, and the popularity of highly dangerous attack breed dogs, the number of dog bite attacks just keeps rising. Each person has a one in fifty chance of being bitten each year and that chance is increasing as all the factors leading to higher dog bite attacks coincide. Over half of dog bite injuries occur in the home with the attack caused by either the family dog or friend’s dog. Half of those injured are children usually under ten years old; the majority
of these injuries to children occur in the face and neck area of the body. According to the US Government, the most dangerous breeds with the highest risk of biting are the following: Doberman pinschers, Alaskan malamutes, Chows, St. Bernards, Akitas, Pitbull terriers, Rottweilers, German shepherds, and huskies. Other reports include wolf-dog mix and American bull breeds as particularly dangerous. Rottweilers, wolf-dog mix, and pit bulls are responsible for a large percentage of the dog bite attacks each year: over 75% of the dog bite attacks that cause bodily injury to the victim; over 70% of the attacks on children; over 80% of attacks on adults; over 75% of attacks that cause maiming of the dog bite victim. Statistically most dog bite victims each year are children, the elderly and postal service workers.

How and where do dog attacks occur?
One-quarter of attacks occur while the dog is chained, one-quarter while the dog is loose in the yard, 20 percent while the dog is inside home, 17 percent while the dog is roaming off property. Puppies, more than adult dogs are likely to commit attacks.

Guidelines: You should never allow a child to be alone with a dog, even one that seems friendly. Dogs can become territorial, frightened, threatened, or attack for any unexplained reason at all, unrelated to the child, and such attacks are often of the child’s face and neck and extremely severe. You should never approach a strange dog in the dog’s territory, near a dog’s puppy, family, or food. You should refrain from holding your face close to a dog’s face, startling a dog, or teasing or provoking a dog, especially if the dog is eating, sleeping, or with its puppies. You should refrain from running from a dog that is attacking you, try to stand still, or if the dog has knocked you over, cover your head and face and roll into a ball; try not to act threatening to a dog by staring at it in the face.

Note: these statistics are based upon reports issued by the US Government and other research agency reports. Information on the common treatment of dog bite injuries and plastic surgeon guidelines on dog bite injury treatments states that the first
priority is to ensure the bleeding has been stopped. In certain severe cases, especially among children who are often bitten in the face and neck, a check must be made regarding hemorrhage from blood vessels around the head and neck must be checked. Next, treatment must be carefully designed to prevent infection from occurring. The bites can present in the form of skin punctures, lacerations,
cuts, crushing wounds, and fractures caused by the powerful jaw muscles of certain dogs. Plastic surgeons are often called in due to the fact that the dog bite attacks more often than not involve punctures, scarring, and disfigurement to the face, throat, nose, cheeks and thus require the highest of specialized care. After cleaning, the wound is washed with a saline solution and a catheter is attached to allow irrigation to puncture wounds in order to limit infection. Subsequent to irrigation, depending on the nature of the injury, the wound could be sutured or closed with tape. The wounds with a higher likelihood of infection should receive antibiotic treatment while the lower risk wounds may be sutured unless infected.

The following are considered high-risk dog bite wounds: Any dog bite wounds in which the treatment has not occurred for over twelve hours, wounds involving the foot, ligaments, hands, tendons, bones, or punctures. Sometimes skin that is severely damaged from the bite
must be cut, require grafting, reattaching, multiple surgeries involving removing skin from other parts of the body to attach to the wounded area. Infections associated with dog bite wounds include sepsis, septic arthritis, osteomyelitis, tenosynovitis, and others. Tetanus records of the victim must be checked to ensure recent timely tetanus shots which must be administered, along with a check on rabies vaccination for the attacking dog so that appropriate required vaccinations, if any, can be administered to the victim.

Emotional and psychological trauma from the dog bite attack
Even after the physical injuries from the dog bite wound have healed you will still very likely be experiencing psychological trauma from having gone through the frightening experience. Are you still reliving the frightening dog bite attack in your thoughts? Due to
the vicious, sudden, and surprising nature of many dog bite incidents, victims usually suffer from emotional trauma and this trauma often requires treatment by professional doctors and therapists who can assist you in best dealing with the emotional scarring and
post-traumatic stress disorder(“PTSD”) that often occurs. Especially among children who are often victims and who also may be traumatized by being witness to a close personal attack of a loved one, the child will demonstrate anger, withdrawal, depression, all immediately or shortly after the incident. These are all normal emotional reactions to an extremely frightening and traumatic event that create long-lasting memories in a child’s brain.

Scientific studies have led many doctors to conclude that a single severely violent frightening incident like a dog attack can lead a child to develop PTSD because a child is always looking at the environment and acting to maximize its comfort and survival. A severe event like a dog bite attack will often be construed as a general data input that all of life in general can and will be painful, frightening, and uncertain, especially if the child viewed a loved one being subject to severe and sudden attack by dogs. The child assumes such violent attacks will happen again, without warning like the first one. The child will replay the event continuously in its mind re-experiencing it and suffering from nightmares, flashbacks and general distress, often triggered by encounters or viewing of dogs similar to the injuring dog. In certain cases, the child may internalize the incident such that it is interpreted to mean the child is itself bad and brought it on through its own actions. These PTSD traumas can in some cases last through adulthood becoming an integral part of the adult personality. These PTSD symptoms may appear in a child or young adult immediately or not for several weeks or months after the dog bite attack. Alternatively, PTSD may diminish and resolve itself after time passes, but mental health treatment by a professional trained in helping children to cope with such occurrences is often recommended for at least a 12 week period generally required to alleviate the PTSD symptoms through play therapy and other psychotherapy treatments sometimes assisted with medication. Children rely on support from family and friends to assist in recovery, to reduce depression, anxiety, and trauma of the PTSD disorder.





There are many types of insurance provided to give protection to those who are behind the wheel. One of the most important types is personal injury protection insurance, better known as PIP. Available in many states across the U.S. including Texas. It serves a valuable function to those drivers and passengers involved in an accident. Since PIP covers anyone, driver or passengers, who were in the vehicle at the time of the accident, the payments gained from this insurance can play a large role in helping accident victims receive funds when they need them most, such as if they are injured and forced to miss work. Another advantage of this insurance is that its considered no-fault insurance, meaning it will provide payment without any of the people involved in the accident having to prove the accident was the fault of someone else. In doing so, expenses such as medical bills are paid as soon as they are received by the insurance company, which in many cases can be less than one week.

One downside to this coverage is that insurance companies often set the limit quite low, with many having a $5,000 limit. While this can sound high to many people if an accident occurs that limit could be reached very quickly when ambulance rides, emergency room visits, and medical tests are factored in. For additional premium amounts, it’s recommended most people carry at least $10,000 of this coverage.

While PIP coverage is not subject to deductibles, it does have other limitations. One is the amount of time allowed to file a claim, with most policies allowing the driver and any passengers up to one year to file a claim. In some cases, companies will have provisions allowing claims to be filed as much as five years later. Though this may give additional time to decide if a claim should be filed, most personal injury protection insurance includes provisions for reasonable and necessary expenses, which can sometimes make filing a claim difficult.

Problems may arise when there are differences as to what the doctor charges and what the insurance company is willing to pay. If there is any amount leftover, patients are usually responsible for these expenses out-of-pocket. In some extreme cases, PIP coverage will award damages for emotional distress and lost wages. These are generally awarded only in worst-possible scenario situations, so should not be counted on in the event of an accident because the victim has to show negligent infliction of emotional distress, which can be hard to prove. As for lost wages, some policies will provide coverage at $50 per day or 85 percent of one’s wages, whichever is greater. Most people never think they will be involved in an accident, and thus pay little if any attention to the details of their PIP coverage. However, the personal injury protection law is there to protect those who are injured and therefore can make the most difficult of situations much more bearable.


Just as every city, county, state, and country has its own unique law for governing its specific populace as best as it can, every single personal injury case is unique and requires a personal injury attorney whose knowledge of the law and its peculiarities is indispensable. No matter how great an attorney you have, having some knowledge of your own regarding personal injury laws will also prove to be incredibly beneficial – possibly even liberating.

Personal injury laws are quite complex and you may discover that researching, analyzing, and discussing them is a bit of an intellectual feat a bit akin to an intense game of chess. There certainly are enough factors and issues which go into determining the outcome of a case that the chess analogy is quite accurate. This similarity may or may not be a pleasant thought, depending on your aptitude at chess and the extent of your injury.

The issue in the forefront of a victim’s mind when engaging a personal injury attorney is usually the compensation, and the amount that this will be is determined by the specific circumstances surrounding the case. A few of the frequent areas in which victims seek the compensation they so desire for the ramifications of their injury include but are not limited to the medical bills of the past, present, and future; any medical treatment that is needed, such as medication, physical therapy, or psychotherapy/psychiatry; any physical, emotional, or abstract pain and suffering that is incurred as a result of the damage; and also any lost wages or time lost at work, both past and future. Entitlement to punitive damages can also sometimes be the reward for a few victims, which basically means that the plaintiff can seek retribution by punishing the person or group who is determined negligent. It is all up to the specific circumstances surrounding the case, however.

You are best advised to engage a personal injury attorney to help you through this minefield. After you have gotten a rewarding dose of information regarding the general personal injury laws and the laws specific to your area, you will want to do your best to make sure you get a top-grade personal injury attorney. You will want one who really knows what he or she is doing, who is well-versed in all the skills needed to make sure you get your rightful compensation. A few of the skills you will want to check to make sure your personal injury attorney is proficient in: the ability to interview witnesses, the mathematical ability to calculate the damages done, a diplomatic and charismatic flair enabling him/her to negotiate skillfully and carefully with insurance companies, the persistence and contacts to finding the appropriate experts, and the broad-mindedness to see the big picture and pursue every avenue and aspect of your case. If you are able to find a personal injury attorney who possesses all these skills and you find that you are comfortable with them, hire them! Consider all the information, make the best choice possible, and get a good personal injury attorney. If you are able to do all this, you will be rewarded by getting justice in the manner you require.


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