Car Accidents

October 24, 2011

New Medicare Rule

Medicare continues to make efforts to try, post Haro v. Sebelius, to make for an easier solution for dealing with Medicare liens. The latest? In very small cases, they are more likely to be handled by injury victims themselves as opposed to personal injury lawyers, Medicare will offer a 25% gross payment alternative to dealing with Medicare on a lien.

It is certainly not the deal of a lifetime by any stretch. More importantly, it is only for cases that do not exceed $5,000. But the option applies in:

Cases after November 7, 2011
Involve physical injury
$5,000 or less
The option is selected in a to-be-determined time frame
Medicare has yet to make a final demand
The beneficiary does not expect to receive future third party injury payments

If these conditions are satisfied, a beneficiary will resolve and satisfy Medicare’s lien by paying Medicare 25% of the insurance settlement. While the primary application will now, more than likely, be small soft tissue car accident claims, a successful run might lead to larger scale implementation down the road.

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March 14, 2011

New York Car Accident Verdicts

by Ronald V. Miller, Jr.

The average car/truck/motorcycle accident verdict in New York is $837,020, which is stunningly high compared to most other jurisdictions.

Why is this? Are New York jurors just that much more generous than, say, jurors in Maryland?

The answer is that New York’s no-fault accident law requires that plaintiffs suffer a “serious injury” before a lawsuit can be brought against the at-fault driver. While there is some question that having a magical threshold that needs to be crossed is going to be fraught with great flaws, there is no question that this New York scheme, as desultory as the justice it might bring, keeps minor personal injury car accident cases out of court.

What’s my point? My point is that this completely distorts average car accident verdicts in New York. I read Metro Verdicts Monthly and Mealey’s which provide a lot of individual verdicts in car accident cases in Maryland, Virginia, and Washington, D.C. It is amazing how many jury verdicts there are for $10,000 when, if you look at the case, is really not such a bad result. New York has none of these cases deflating their average.

February 15, 2010

Soft Tissue Injury Settlements

by Ronald V. Miller, Jr.

There is a fundamental problem with soft tissue injury cases that few plaintiffs’ lawyers will admit: some percentage of soft tissue injury plaintiffs are either completely faking the injury or exaggerating the symptoms. Maybe you are not, dear reader. But many do and the key – and the hard part – is figuring out who is who, both for lawyers considering taking a case and for judges and juries.

Whiplash Does Not Sound Like a Big Case

Make no mistake: judges, juries, and even insurance companies struggle with these cases. Whiplash. Car accident. What comes to mind when you hear these three words? Now, wait. Make sure you answer this question as you would before you got hurt. It is probably a much different answer.

August 20, 2008

First Bad Faith Car Accident Insurance Claims in Maryland

by Ronald V. Miller, Jr.

Bob Zarbin and Jim MacAlister write a telling article in this month’s journal of the Maryland Trial Lawyers Association about Maryland’s new bad faith law. The authors note that the avalanche of bad faith claims the insurance companies said were coming down the pike with Maryland’s new bad faith law was actually only 12 in the first quarter of the 2008 and only 12 all last year.

Similarly, on the medical malpractice front, Maryland malpractice insurers claimed the sky was falling one minute and the next they are declaring $74 million profit to their doctor shareholders and lowering malpractice insurance rates. The legislative process requires that the viewpoints of all stakeholders. But can we at least make sure we put the proper discounted value on “the sky is falling” on the next go around? I’m hoping the next go around includes a revised bad faith law with more teeth than mere costs and expenses.

In the same issue, Kevin Goldberg, who is with Goldberg, Finnegan & Mester in Silver Spring, Maryland, writes a great article laying out a great checklist of avenues to explore when you have a catastrophic accident and what appears to be limited coverage.