Property Damage vs Bodily Injury Damage

I just got off the phone with a potential client who had a very common question.  He was involved in an automobile accident yesterday.  His car was rendered a total loss and his body was injured.  His question was, how can I settle my claim on the car while I am still in medical treatment and I do not know the full extent of my injuries?  The answer is simple but it takes a little to explain.  First, you need to know that your property damage claim and your bodily injury claim are two separate and distinct claims.  Of course they both arise out of the car crash, but they can be resolved independent of each other.  First you need to know that for both claims the statute of limitations for both claims is two years from the date of the car accident.  This is true whether the damage was caused by a drunk driving accident, a semi tractor-trailer accident or any highway accident.  This means that you must have a complaint filed in a court within the two year period, or your right to compensation for your claims will be forever lost.

So, you have plenty of time.  I suggest that initially, you stop, take a deep breath and try to not panic.  Second, contact the insurance company for the person who was at fault for the collision.  Inform them that you want to resolve your property damage claim.  I do not suggest that you give the insurance company a statement about what happened.  This is never in your best interest.  If that insurance company says they will not negotiate with you until you give a statement, you have a few options.  You can give the statement, which I do not recommend.  You can settle the claim with your own insurance company under the collision provision of your policy.  This will necessarily involve paying your deductible, but you will get that back when your insurance company settles their claim against the responsible parties insurance company.  Finally you can hire a lawyer.

Most people are unsatisfied with the offer they receive on their totaled car.  Usually it is not what they feel their car is worth and usually it is not enough to buy another reliable car.  The measure of property damage, in Indiana, is the value of the car immediately before the collision v. the value of the car immediately after the accident.  The value after the accident is scrap value and can range from $300 to $1,000.00.  Of course it can be more, but that is the exception.  The insurance company will want to pay you wholesale bluebook value for a car in average condition.  If your car is above average (be honest in your evaluation most cars really are of average condition) then you must be able to document why it is above average in condition.  I think you must remain firm that this has to be a retail value, not whole sale value.  You cannot buy a car wholesale, and therefore your loss is a retail loss. 

When you do reach a fair value and want to settle the claim, the insurance company will present you with a release of your property damage claim.  You can sign this without jeopardizing your bodily injury claim.  You must read the release and make sure it is for the property damage only.  Things to look for are words such as “release of any and all claims”  etc.  If the release has this language, and you are not settling your bodily injury claim, do not sign it, contact your lawyer immediately for advice.

Hazardous Conditions and Semi Tractor-Trailer Accidents

Indiana Persoanl Injury AttorneyIn Indiana, as I m sure is true in many parts of the Country there is an old saying.  If you don’t like the weather, give it a minute, it will change.  This is especially true in the winter were it can be in the 50s one day and the next we can have a foot of snow on the ground.  The snow melts and can turn to ice and everything is a mess.  It is for this very reason that the Federal Motor Carrier Safety  Regulations include  a provision for the operation of large trucks in hazardous conditions.  We have included the language of the rule below so that you may familiarize yourself with the obligations of the truckers around you while on the road. We all know that semi tractor-trailer crashes can causes serious personal injury and even wrongful death.  Inclement weather not only increases the possibility of a large truck crash, but increases the possible harm done.  Not only will the black ice on the road cause the trucker to lose control, but will cause the truck to take much longer to stop, increasing the energy dissipated in the trucking crash.  This energy is transferred to you and your family during the collision.  The more energy transferred to you and your car, the greater the injury and damage to you and your family.

If you and your family or friends are involved in a semi tractor-trailer collision or a highway accident, and have suffered serious personal injury or wrongful death, the expert Indianapolis personal injury attorneys at Young & Young Law know the rules of the road, we know the science and physics, and we know how to work effectively in the Courtroom.  We can Help – Contact Us Today!

Subpart B – Driving of commercial motor vehicles

§ 392.14 Hazardous conditions; extreme caution. Extreme caution in the operation of a commercial motor vehicle shall be exercised when hazardous conditions, such as those caused by snow, ice, sleet, fog, mist, rain, dust, or smoke, adversely affect visibility or traction. Speed shall be reduced when such conditions exist. If conditions become sufficiently dangerous, the operation of the commercial motor vehicle shall be discontinued and shall not be resumed until the commercial motor vehicle can be safely operated. Whenever compliance with the foregoing provisions of this rule increases hazard to passengers, the commercial motor vehicle may be operated to the nearest point at which the safety of passengers is assured.

Semi Tractor Trailer Accidents and Parking

Anyone who has driven on the highway late at night or in the early morning hours has seen them. The semi tractor-trailers sitting on the side of the road near off ramps with their flashers operating and their engines running. This is necessitated by the fact that sleepy drivers are at increased risk for causing semi tractor-trailer collisions. As a driver is limited to a specific number of hours on the road in any 24 hour period, they must be stopped the other hours. As most Semi tractor-trailers have sleeping births, sleeping in a rest area or on the on and off ramps, or even on the side of the road is a natural consequence of the need to have alert drivers.

Of course any stationary object on the highway shoulder presents a potential hazard to the driving public. In order to make the roads as safe as possible for both the sleeping trucker and the traveling family, the Federal Motor Carrier Safety Regulations address appropriate guidelines to help avoid the serious personal injuries, and even wrongful death that a semi tractor-trailer crash can cause. These parking regulations include, .(a) A motor vehicle which contains Division 1.1, 1.2, or 1.3 materials must not be parked under any of the following circumstances—(1) On or within 5 feet of the traveled portion of a public street or highway;(2) On private property (including premises of fueling or eating facility) without the knowledge and consent of the person who is in charge of the property and who is aware of the nature of the hazardous materials the vehicle contains; or(3) Within 300 feet of a bridge, tunnel, dwelling, or place where people work, congregate, or assemble, except for brief periods when the necessities of operation require the vehicle to be parked and make it impracticable to park the vehicle in any other place.(b) A motor vehicle which contains hazardous materials other than Division 1.1, 1.2, or 1.3 materials must not be parked on or within five feet of the traveled portion of public street or highway except for brief periods when the necessities of operation require the vehicle to be parked and make it impracticable to park the vehicle in any other place.

Semi Tractor Trailer Accidents and Rules for Inspection Maintenance and Repair of Vehicles

truck accident attorneyRules exist to ensure the safe operation of Semi tractor Trailer collisions. The rules strike a balance between ensuring that product make its way across the country to keep our economy moving and making the road as safe as possible for American families. It is sensible to require that everyone associated with a motor carrier, be knowledgeable. See § 396.1Scope.(a) Every motor carrier, its officers, drivers, agents, representatives, and employees directly concerned with the inspection or maintenance of commercial motor vehicles must be knowledgeable of and comply with the rules of this part.

In order to maximize the safety of equipment used on the road, Every motor carrier and intermodal equipment provider must systematically inspect, repair, and maintain, or cause to be systematically inspected, repaired, and maintained, all motor vehicles and intermodal equipment subject to its control. § 396.3-Inspection, repair, and maintenance..Thorough records must be created and maintained by the carrier for one year, while the vehicle remains under the control of the carrier, and for six months after the vehicle leaves the carriers control.

If you or a loved one suffers serious personal injury, or wrongful death as a result of a semi-tractor trailer accident, we are ready you help.

Indiana Crashes Involving Large Trucks

What is done to make sure that our families are not injured in Semi Tractor Trailer accidents?  How do we balance that with making sure that one of the greatest suppliers of goods to the country.  One thing is to make sure that drivers of the big trucks are fit to operate these multiple ton machines.  The Federal Motor Carrier Safety Regulations establish the minimum physical and mental requirements for allowing a driver to qualify to operate the big rigs.  Companies are allowed to make the qualifications more stringent, but the minimum standards must be met.  Below is a small sampling of the requirements that are part of the FMCFRs guidelines designed to make the operation of the Semi Tractor-Trailers safe during operation.

Section 390.3(d) of the FMCSRs allows employers to have more stringent medical requirements.

391.41(b)(1)

A person is physically qualified to drive a commercial motor vehicle if that person:
Has no loss of a foot, leg, hand, or arm, or has been granted a Skill Performance Evaluation (SPE) Certificate pursuant to Section 391.49. and

391.41(b)(2)

A person is physically qualified to drive a commercial motor vehicle if that person has no impairment of:
(i) A hand or finger which interferes with prehension or power grasping.
(ii) An arm, foot, or leg which interferes with the ability to perform normal tasks associated with operating a commercial motor vehicle.
(iii) Any other significant limb defect or limitation which interferes with the ability to perform normal tasks associated with operating a commercial motor vehicle.

391.41(b)(3)

A person is physically qualified to drive a commercial motor vehicle if that person:
Has no established medical history or clinical diagnosis of diabetes mellitus currently requiring insulin for control.

391.41(b)(4)

A person is physically qualified to drive a commercial motor vehicle if that person:
Has no current clinical diagnosis of myocardial infarction, angina pectoris, coronary insufficiency, thrombosis.

or

Any other cardiovascular disease of a variety known to be accompanied by syncope, dyspnea, collapse, or congestive cardiac failure.

391.41(b)(5)

A person is physically qualified to drive a commercial motor vehicle if that person:
Has no established medical history or clinical diagnosis of a respiratory dysfunction likely to interfere with the ability to control and drive a commercial motor vehicle safely.

391.41(b)(6)

A person is physically qualified to drive a commercial motor vehicle if that person:
Has no current clinical diagnosis of high blood pressure likely to interfere with the ability to operate a commercial motor vehicle safely.

391.41(b)(8)

A person is physically qualified to drive a commercial motor vehicle if that person:
Has no established medical history or clinical diagnosis of epilepsy;

or

Any other condition which is likely to cause the loss of consciousness, or any loss of ability to control a commercial motor vehicle.

391.41(b)(9)

A person is physically qualified to drive a commercial motor vehicle if that person:
Has no mental, nervous, organic, or functional disease or psychiatric disorder likely to interfere with the driver’s ability to drive a commercial motor vehicle safely.

391.41 (b)(10)

A person is physically qualified to drive a commercial motor vehicle if that person:
Has a distant visual acuity of at least 20/40 (Snellen) in each eye with or without corrective lenses, or visual acuity separately corrected to 20/40 (Snellen) or better with corrective lenses;

and

distant binocular acuity of at least 20/40 (Snellen) in both eyes with or without corrective lenses;

and

field of vision of at least 70 degrees in the horizontal meridian in each eye;

and

the ability to recognize the colors of traffic control signals and devices showing standard; red, green, and amber.

391.41(b)(11)

A person is physically qualified to drive a commercial vehicle if that person:
First perceives a forced whispered voice in the better ear at not less than five feet with or without the use of a hearing aid.

or

If tested by use of an audiometric device, does not have an average hearing loss in the better ear greater than 40 decibels at 500 Hz, 1,000 Hz and 2,000 Hz with or without a hearing aid when the audiometric device is calibrated to the American National Standard, [formerly American Standard Association (ASA)] Z24.5-1951.

391.41(b)(12)

A person is physically qualified to drive a commercial vehicle if that person:
Does not use a controlled substance identified in 21 CFR 1308.11, Schedule I, an amphetamine, a narcotic, or any other habit-forming drug.
Exception: A driver may use such a substance or drug, if the substance or drug is prescribed by a licensed medical practitioner who is familiar with the driver’s medical history and assigned duties; and has advised the driver that the prescribed substance or drug will not adversely affect the driver’s ability to safely operate a commercial motor vehicle.

391.41(b)(13)

A person is physically qualified to drive a commercial motor vehicle if that person:
Has no current clinical diagnosis of alcoholism.

If you know anyone who has been injured in a crash with a semi tractor-trailer, and have questions about their rights and responsibilities, please know that we can help. Contact Us.

How Safe is a Semi Tractor-Trailer Driver?

This is an important question because we all must share the road with these huge semi tractor-trailers and an accident with a semi tractor-trailer is likely to result in serious personal injury or even wrongful death to the smaller vehicle. Safe operation benefits both the trucking industry and the industry does a good job of making sure its drivers are safe.  So how do they do it. The answers lie in their desire to avoid the costs associated with causing serious personal injury to others and through enforcement of the Federal Motor Carrier Safety Regulations aka FMCFRs.   The FMCFRs set out the requirements for driving Semi Tractor-Trailers. They are as follows:

Rule 391(11) General qualifications of drivers.(a) A person shall not drive a commercial motor vehicle unless he/she is qualified to drive a commercial motor vehicle. Except as provided in §391.63, a motor carrier shall not require or permit a person to drive a commercial motor vehicle unless that person is qualified to drive a commercial motor vehicle.(b) Except as provided in subpart G of this part, a person is qualified to drive a motor vehicle if he/she—(1) Is at least 21 years old;(2) Can read and speak the English language sufficiently to converse with the general public, to understand highway traffic signs and signals in the English language, to respond to official inquiries, and to make entries on reports and records;(3) Can, by reason of experience, training, or both, safely operate the type of commercial motor vehicle he/she drives;(4) Is physically qualified to drive a commercial motor vehicle in accordance with subpart E—Physical Qualifications and Examinations of this part;(5) Has a currently valid commercial motor vehicle operator’s license issued only by one State or jurisdiction;(6) Has prepared and furnished the motor carrier that employs him/her with the list of violations or the certificate as required by §391.27;(7) Is not disqualified to drive a commercial motor vehicle under the rules in §391.15; and(8) Has successfully completed a driver’s road test and has been issued a certificate of driver’s road test in accordance with §391.31, or has presented an operator’s license or a certificate of road test which the motor carrier that employs him/her has accepted as equivalent to a road test in accordance with §391.33.

As the trucking company is responsible for injuries caused by one of their drivers, they have a good incentive to follow these rules faithfully. The trucking company is also required to get the safety recs of a truck driver from former employers for the past 3 years before hiring.  After hire, on an annual basis, the company is required to obtain the driving record from the state agency where the trucker has his/her CDL. 

 We know the rules and how the industry attempts to keep us all safe.  If you or a loved one has been injured in a semi tractor-trailer accident, please call.

Semi Tractor Trailer Crashes Caused by Driver Fatigue

Driver fatigue causes semi tractor-trailer accidents. When a driver falls asleep at the wheel semi tractor-trailer crashes happen. When a driver is tired, their reaction time is reduced and semi tractor-trailer collisions cause serious personal injury and wrongful death. So, what prevents companies from pressuring drivers to driver to the point where they become a hazard to others on the road? The civil justice system, which is designed to hold those financially responsible for the harm they cause is one incentive to be safe. Another incentive is found in the Federal Motor Carrier Safety Regulations or FMCFRs for short. The FMCFR contains a provision which specifically controls the amount of drive time a carrier may allow its drivers to perform. To enforce this rule drivers are required to keep up to date logs of their drive time and must present this log to a law enforcement officer immediately upon request, such as when a semi tractor-trailer accident happens. In addition, on board computers and satellite monitoring devices can be accessed to insure that the driver’s logs are accurate. A violation of these rules is admissible in court as evidence to establish whether the drivers negligence was a cause of the serious personal injury or wrongful death caused by the highway accident. A copy of the FMCFR is provided here for your review. If you or a loved one has been injured as a result of a semi tractor-trailer accident which was caused by violations of the FMCFRs, please call.

FMCFR Part 395.3

(a) Except as otherwise provided in §395.1, no motor carrier shall permit or require any driver used by it to drive a property-carrying commercial motor vehicle, nor shall any such driver drive a property-carrying commercial motor vehicle, regardless of the number of motor carriers using the driver’s services, unless the driver complies with the following requirements:(1) Start of work shift. A driver may not drive without first taking 10 consecutive hours off duty;(2) 14-hour period. A driver may drive only during a period of 14 consecutive hours after coming on duty following 10 consecutive hours off duty. The driver may not drive after the end of the 14-consecutive-hour period without first taking 10 consecutive hours off duty.(3) Driving time and rest breaks. (i) Driving time. A driver may drive a total of 11 hours during the 14-hour period specified in paragraph (a)(2) of this section.(ii) Rest breaks. After June 30, 2013, driving is not permitted if more than 8 hours have passed since the end of the driver’s last off-duty or sleeper-berth period of at least 30 minutes.(b) No motor carrier shall permit or require a driver of a property-carrying commercial motor vehicle to drive, nor shall any driver drive a property-carrying commercial motor vehicle, regardless of the number of motor carriers using the driver’s services, for any period after—(1) Having been on duty 60 hours in any period of 7 consecutive days if the employing motor carrier does not operate commercial motor vehicles every day of the week; or(2) Having been on duty 70 hours in any period of 8 consecutive days if the employing motor carrier operates commercial motor vehicles every day of the week.(c)(1) Through June 30, 2013, any period of 7 consecutive days may end with the beginning of an off-duty period of 34 or more consecutive hours. After June 30, 2013, any period of 7 consecutive days may end with the beginning of an off-duty period of 34 or more consecutive hours that includes two periods from 1 a.m. to 5 a.m.(2) Through June 30, 2013, any period of 8 consecutive days may end with the beginning of an off-duty period of 34 or more consecutive hours. After June 30, 2013, any period of 8 consecutive days may end with the beginning of an off-duty period of 34 or more consecutive hours that includes two periods from 1 a.m. to 5 a.m.(d) After June 30, 2013, a driver may not take an off-duty period allowed by paragraph (c) of this section to restart the calculation of 60 hours in 7 consecutive days or 70 hours in 8 consecutive days until 168 or more consecutive hours have passed since the beginning of the last such off-duty period. When a driver takes more than one off-duty period of 34 or more consecutive hours within a period of 168 consecutive hours, he or she must indicate in the Remarks section of the record of duty status which such off-duty period is being used to restart the calculation of 60 hours in 7 consecutive days or 70 hours in 8 consecutive days.

Texting and Semi Tractor-Trailer Crashes in Indiana

Indianapolis auto accident attorneysSemi Tractor-Trailer crashes can cause severe personal injuries, especially to those  occupying passenger cars.  We have represented many Hoosier families dealing with the serious personal injuries, and wrongful death caused by semi tractor-trailer accidents

Did you know the odds of being involved in a crash is three times greater when the driver is reaching for an object than when the driver is not reaching for an object. Did you know that the odds of being involved in an accident is six times greater while the driver is dialing a cell phone than when the driver is not dialing a cell phone. These increases in risk are primarily attributable to the driver’s eyes being off the forward roadway.

As a result of these dangers the Federal Motor Carrier Safety Administration (FMCSA) believe it is in the best interest of public safety to restrict a CMV driver’s use of such devices. To this end Rules are being past restricting the use of cell phones, for both calls and texting, by drivers of Commercial Motor Vehicles.

If you, or a loved one, are injured as a result of a semi tractor-trailer accident, it is important to find out whether the driver of the truck was using a cell phone at the time of the crash.  If so, it is likely that the crash was caused, in part by that phone usage.

Semi Tractor Trailer Injuries and Public Liabilities

Indiana Auto Accident AttorneyIf you, or a friend or loved one is injured as a result of collision with a semi tractor-trailer, and the collision was not their fault, they are protected under the civil justice system.  Why is this? The answer is as simple as what your mother taught you as a child.  If you are negligent, and that negligence causes injury to a fellow Hoosier, then you are responsible for making up for the harm you cause.  Generally, the way society has agreed to as a method of making up for the harm is to be financially responsible.  We also agree that financial responsibility is met with insurance. 

In passenger cars the minimum financial responsibility is met by purchasing Liability insurance limits of no less than $25,000.00.  In Semi Tractor-trailer crashes the injuries and harms are likely to be much greater.  This is simple physics, the heavier the vehicle involved in the crash, the more likely the damages are to be severe.  That is why the Federal Motor Carrier Safety Regulations require greater financial responsibility.  The applicable provision of the rules is:

The minimum levels of financial responsibility referred to in §387.7 of this subpart are hereby prescribed as follows:

Schedule of Limits—Public Liability Type of carriage Commodity transportedJanuary 1, 1985
(1) For-hire (In interstate or foreign commerce, with a gross vehicle weight rating of 10,001 or more pounds)Property (nonhazardous)$750,000
(2) For-hire and Private (In interstate, foreign, or intrastate commerce, with a gross vehicle weight rating of 10,001 or more pounds)Hazardous substances, as defined in 49 CFR 171.8, transported in cargo tanks, portable tanks, or hopper-type vehicles with capacities in excess of 3,500 water gallons; or in bulk Division 1.1, 1.2 and 1.3 materials. Division 2.3, Hazard Zone A, or Division 6.1, Packing Group I, Hazard Zone A material; in bulk Division 2.1 or 2.2; or highway route controlled quantities of a Class 7 material, as defined in 49 CFR 173.4035,000,000
Code of Federal Regulations302
(3) For-hire and Private (In interstate or foreign commerce, in any quantity; or in intrastate commerce, in bulk only; with a gross vehicle weight rating of 10,001 or more pounds)Oil listed in 49 CFR 172.101; hazardous waste, hazardous materials, and hazardous substances defined in 49 CFR 171.8 and listed in 49 CFR 172.101, but not mentioned in (2) above or (4) below1,000,000
(4) For-hire and Private (In interstate or foreign commerce, with a gross vehicle weight rating of less than 10,001 pounds)Any quantity of Division 1.1, 1.2, or 1.3 material; any quantity of a Division 2.3, Hazard Zone A, or Division 6.1, Packing Group I, Hazard Zone A material; or highway route controlled quantities of a Class 7 material as defined in 49 CFR 173.403 

At Young and Young we know the rules which govern safety for Semi tractor-trailer operation.  Let us help you when you are injured in a semi tractor-trailer accident.

   

Indianapolis Personal Injury Lawyer Discusses Pedestrian Road Use

In a car crash with a pedestrian, or bicyclist, the law of gross tonnage applies.  The law of gross tonnage states that when two bodies impact, the body with the larger gross tonnage will fare better in the collision that the body with the lighter gross tonnage. In any collision between a car and a pedestrian, or a bicyclist, the car will always fair better. 

Generally, the pedestrian or the cyclist will suffer serious personal injury, such as a brain injury, a spinal cord injury, or amputation, or even wrongful death.  A secondary effect of such a collision, as I tell my children when they see a child or other pedestrian using the road, is the guilt that will follow the driver, likely for the rest of their lives.

To avoid these collisions take a few precautions. 

In a residential area, make sure you have your vehicle under control and that you are traveling at a speed which will allow you to stop quickly, especially if you see children present. 

Treat children like a stop sign.  Children are unpredictable by nature, treating them like stop signs means that regardless of what they do, you will not hit them.

Drive with your lights on no matter the time of day.  In the daytime, your lights are an added advantage to being seen by pedestrians.  In the night your lights serve as both a beacon to the pedestrian, and allows you to see.

Do not out drive your lights.  Your lights, at night, only project so far.  In an urban area, travelling at a high rate of speed may cause your lights to be ineffective at allowing you to see far enough ahead to be able to stop or react quickly.

Never  drink and drive.  Call a cab.  Give a friend your keys.  Walk.  Just do not drink and drive.

Be careful, not only for the sake of the pedestrian and the cyclist, but for your own peace of mind.

Indiana Auto Accident Attorney Warns About Railroad Crossings

Indiana Auto Accident AttorneysEvery railroad crossing should have either a stop sign, crossing bars or some type of warning system to alert drivers of oncoming . Unfortunately, in Indiana , not all do and a lot of drivers forget that when there is a meeting between a train and a motor vehicle , the motor vehicle is more likely to lose. Three ladies in Boone County this week were in a car that did not see the train and collided. Death and serious injuries resulted.  Anytime you cross a railroad track regardless of the presence or absence of signs or warning systems you are best to assume that there is a train coming until you are sure of the absence of a train. Collisions that can result in serious injuries or death can be prevented with a little common sense and extra caution.

Indiana Personal Injury Attorney Discusses Winter Driving Tips

Indiana Accident Attorney

In Indiana we must drive in the snow for three to five months out of the year.  Driving in the snow does not reduce the amount of care a driver must use in order to drive safely.  We are all bound to use reasonable care when driving.  This means that in snow, we must drive a little slower, give ourselves more time to get where we are going and put a little more distance between ourselves and the driver in front of us.  We must use care to remove the ice and snow from our windows, so that our vision is not  blocked.  We must remover accumulations of snow and ice from around our head lights and brake lights to increase our visibility and increase the chances of being seen by other drivers.  We must ensure that our tires have a good tread to give us as much traction as we can get on the snow.  We must slow down farther away from stoplights and stop signs so that we do not slide into the intersection.  We must make sure we have sufficient wiper fluid in the reservoir so that when the salt collects on our wind shield we can effectively wipe it away.

As always, we must not drink and drive.  Drunk driving collisions are more frequent in the snow because the drunk driver has even less control and reaction time.

Take your time, give yourself plenty of room and give the other driver a break.  If we do we can all get where we are going safe and sound.

Indiana Social Security Lawyer Discusses How to Prepare to Apply For Disability

As Indiana’s Social Security Lawyer, I am often asked how to file for social security benefits.  There are three ways an application may be filed.   They are, in no particular order, Online at www.ssa.gov, in person at your local social security office, or an over the phone interview.  Regardless of which method you choose, a little preparation will make the process a little easier for everyone.  This preparation will also increase your chances of being successful in your application.

I advise my clients to make four lists.  The first list is a list of your health care providers with name, address, and telephone number.  As we have discussed in the past, the Social Security Administration requires documentation of your disability.  This documentation is  necessarily medical documentation.  Therefore, having your health care providers at your finger tips will make the application process easier and will increase your chances of earning a favorable decision earlier. The next list is  a list of your medications, what they are prescribed to treat and what side effects you have as a result of the medications.  Side effects from certain medications can be as disabling as the disease they are intended to treat, so be complete in listing the side effects. Third list is a list of your employers for the last 15 years with addresses, and telephone numbers. This list should include a short description of the physical requirements of your job, like how much you had to lift, how much you had to walk, sit and stand.  The final list is a list of the injuries, illnesses or diseases which you contend cause you to be disabled.

Of course there is other information you must provide, but having these lists will be of great help to you. Good Luck.

Indianapolis Personal Injury Lawyer Discusses Governmental Immunity

Assume you are driving towards an intersection. You have the green light. A police officer is on the intersecting road responding to a trespassing call, with his lights on, but no siren. You cannot see the officer because of a large building that comes almost entirely up to the intersection. You collide with the officer, who makes no attempt to stop or slow and you are suffer serious personal injuries. Your injuries may include broken bones, paralysis, brain injury and possibly wrongful death. You are comforted by the fact that you had the right of way (the green light) and the officer did not try to stop, his insurance will pay for your injuries, right? Not necessarily.

Employees of Indiana governmental entities (like cities, towns, townships, etc) are protected by immunities not available to the common citizen. In our example, because the police officer was “enforcing a law” the governmental entity he/she works for may be entitled to immunity from liability for his negligence. The officer himself cannot be held personally liable to you because of another law which prevents such claims. There are at least 16 different immunities under the Tort Claims Act protecting governmental entities from liability for the negligent acts of its employees. If you would like to read the act it can be found at Indiana Code 34-13-3 and following.

Serious Personal Injury from Drunk Driving Accidents

Indianapolis Personal Injury AttorneysThere is a dirty little secret about drunk driving accidents in IndianaMothers Against Drunk Driving (MADD) has done a tremendous job educating the public about the dangers of drunk driving accidents.  Drunk Driving Accidents cause serious personal injury and wrongful death.  Its affects reach to the families who lose their loved ones or who must become caregivers to those no longer able to do for themselves because of the injuries caused by drunk driving accidents.  As we all know, a drunk driver is not a responsible member of society and may not have enough insurance to pay for the harm they cause.  That is why, at Young and Young, we recommend that you make sure you have at least enough in “Medical Payments Insurance” to pay the deductible on your health insurance policy.  This protects you against out of pocket expenses.  Second, we recommend that you purchase as much Uninsured Motorist Coverage/Underinsured Motorist Coverage AS YOU CAN AFFORD.  This insurance will pay for the damages you have, but for which the drunk driver does not have enough insurance to cover your losses and harms.

Now for the dirty little secret.  You probably know that bars can be held responsible for harm to a person if they serve a person alcohol who is visibly intoxicated, and that person drives off from the bar and causes serious personal injury or wrongful death.  What you don’t know is that the bars are not required to maintain insurance which will pay for your damages if the bar serves a visibly intoxicated person and that person causes a drunk driving accident.  We do not have statistics as to how many bars do and do not carry this coverage, but we do know that a substantial number of bars do not carry such insurance.  This means that the injuries you suffer at the hands of the drunk driver who was over served at a bar will fall to you and your family.  The bar continues to make money, but you can’t work, you have huge medical bills and your family suffers.  We do not think this is right. You may say, well isn’t it really the drunk drivers fault? And the answer is that the drunk driver is to blame, but, if the drunk is in the bar, and is visibly intoxicated, they must not be served and caused to become even more drunk.  We encourage all bars to car liability insurance which will cover the harms caused by this kind of negligence. We also encourage bars to properly train their employees to take seriously their obligation to identify visibly intoxicated persons, and not serve them.

Indianapolis Personal Injury Lawyer Looks At Who is Sue Happy

As an Indiana serious Personal Injury Lawyer, representing injured Hoosiers all over the State of Indiana out of our Indianapolis personal injury law offices, I often hear from my prospective clients, people who have been seriously injured by the negligence of others, “I am not sue happy, I just want what is fair.”    Initially I tell my clients, some of whom are still in the hospital when I see them, bedridden with broken bones, brain injury, spinal cord injury, burn s and dog bites, that most Hoosiers are not sue happy.  Most Hoosiers just want what’s fair.   I tell them that their concern over being “sue happy” is the result of vested interests in making people feel that if they asking for what’s fair they are sue happy.  I mean really, who stands to gain if people are afraid of being sue happy, so they do not make a claim.  I will tell you, it is the insurance industry.  Have you ever looked around your town at whose names are on the biggest buildings?  In my town it is insurance companies.  Why, because they make money hand over fist,  They make even more money if they can convince honest people that they are sue happy for asking what’s fair.  I know there are a lot of lawyers advertising on TV and it reflects very poorly on all of us as a profession.  However, compare the amount of lawyer advertising with the number of Allstate, Progressive, State Farm, etc. you see on TV.  And do not be fooled, lawyers are not spending as much as beer and car companies to sponsor college bowl games.   

Indianapolis personal injury lawyerSo whenever you hear anyone say your insurance rates are too high because of lawsuits, ask them where they gets their facts.  My guess is they will be able to give you no facts.  They will simply spout back what they have heard or read from untrustworthy sources.  Then think, well wouldn’t my rates be lower if the companies were not spending so much on TV advertising, sponsoring car races and bowl games?  Resist the urge to follow the crowd.  Demand proof.  Defend your mother, who I know taught you to make up for any harm you do.  If you spill the milk, clean it up.  If you break a window, fix it or pay to have it fixed.  If you do not use care in your life and it causes injury to another- Drunk driving, failing to stop at a stop sign, build a scaffold wrong, make up for the harm by demanding that your insurance company does right by the person who was hurt.  Demand the insurance company does right by the injured person’s family.

Seeing salt makes for dangerous winter driving

I have been representing seriously injured Hoosiers for 23 years.  We handle all different types of automobile collision casesOne thing that is common to most collisions, whether they be automobile crashes, truck crashes,  or semi tractor-trailer crashes is impaired sight.   We see serious personal injury arise out of drivers not seeing motorcyclists and turning into their path.  Many times people will not look over their left shoulder to check their blind spot, enter the lane to their left and hit the car properly in that lane.  People turning right at an intersection will look to their left to see if there are any oncoming car, but forget to look back to the right to see if there is a pedestrian.

Windshield Ice.A couple of tips can help you drive safely.  Make sure you have a scraper in your car so you can clear all the ice off your front, rear and side windows  You have seen the guy driving with just a small area of the windshield cleared and none of the other windows cleared.  This guy will run into something, because he can’t see.  Keep plenty of washer fluid in the reservoir.  Salt on the road builds up fast on the wind screen.  When the sun hits that salt, you are blind.  This is especially true when you are driving on the highway with the spray from large trucks covering your wind screen. Make sure you do not have any signs impairing your rear sight line. 

Being able to see reduces the risk of causing a collision and seriously injuring, or causing the wrongful death, of your fellow Hoosiers.

Indianapolis Auto Accident Attorney Discusses the Little Black Box and Auto Accidents

We all know that Jets have a “Black Box” that is the subject of intense searching after any plane crash.  The reason for the “black box” search is because the “black box” is a data recorder.  It records information about the operation of the jet and its pilots and can help investigators reconstruct the events leading up to a crash and will, hopefully, assist investigators in figuring out what happened.  Fewer people know that all modern cars are equipped with a “black box” or more particularly a data recorder.  In automobile crashes causing serious personal injury, the data recording device may be the difference between knowing what actually happened in the crash and what witnesses say happened in the crash.

In my line of work as a auto accident attorney, we know that eye witness accounts of a collision often vary greatly about what happened in the car accident. Scientific studies.     Barbara Tversky, in her article “The Problem with Eyewitness Testimony”, Stanford Journal of Legal Studies, April 1999, observed, “The mere fault of being human results in distorted memory and inaccurate testimony.”  We humans are subject to memory bias and the introduction of false memories which interfere with our ability to accurately remember and repeat exactly what we have seen. So, what can be done about this problem?  Retrieve the information from the data recording device for the cars, or trucks involved in the collision.

Modern automobile data recording devices record up to 20 seconds of information before any crash.  The data recorded can include whether the passengers of the car were wearing seatbelts, the car speed at any point in that 20 seconds, the acceleration of the car in that 20 seconds, the percent of the engine throttle and gas pedal, when the brakes were activated, when the antilock braking device was activated and more. This information is very important, but any accident expert worth their salt will collect all the objective evidence at the scene of the car crash and compare it to the data on the recording device.  The objective evidence includes the damage to each car, the final resting place of the cars after the impact, the direction the cars went upon impact, and other information.  When the “black box” data matches up with the objective evidence at the scene of the collision the jury can be very confident that the data recording device is telling the accurate story about what happened in the crash.  This is very important when eyewitnesses give contradicting versions of what happened.

Indianapolis Social Security Lawyer Talks About Brain Injury

Normally when we talk about brain injury, we talk about it in the context of serious personal injury from, for example, drunk driving accidents, large truck accident, construction accident and highway accidents.  I want to talk today about brain injury in the context of the  Social Security Administration’s guidelines for disability.  You will remember from our previous discussions that there are two sets of rules used to determine whether a person is entitled to disability benefits; The Listings and The Medical Vocational Guidelines (The Grids). The listing specifically contains a listing for Brain Injury.  It is  in the Neurological section, Listing 11.18, Cerebral Trauma. As we also know medical documentation is crucial to establishing eligibility for disability. For brain injury, medical documentation of the acute phase (early on in the recovery) is usually easy to provide.  However, ongoing evidence of treatment in the post acute phase of recovery is also essential. 

This next part is for my readers who treat brain injury.  You can be of great assistance to your patient if, when you are asked to provide a report documenting your opinions about the patient’s ability to work, you write the report to include references to the medical record that support your opinions and conclusions.  Unsupported opinions carry little weight with the Social Security Administration.  Even if your opinions are dead on accurate,   if they are not supported by corresponding references to the record, you might as well have not taken the time to write the report. Please take your time when you write that report.  An accurate report to the SSA is very important to your patient’s well being.

Brain injury which causes severe neurological affect, i.e. paralysis, dysphasia, severe executive dysfunction, etc are fairly straight forward in terms of proof.  It is the brain injury which has responded well to treatment, but still leaves the survivor with subtle issues such as fatigue, short term memory loss and the need for increased completions times.  These survivors also face the well known prejudice, “They look okay, they must be okay”.  For these survivors, the report may well be the most important piece of evidence.  I also suggest letters from failed work attempt employers and or failed class teachers. Many times survivor’s recoveries are significant,  and relative to their immediate post injury condition, the patient is doing very well.  This, however, does not always mean the patient is back to their pre injury function or that they can return to employment. So, doctors, you must explain in your reports that although the patient has improved significantly, that does not mean they are employable in a competitive job.  You must point out why this is using references to your medical records.  Otherwise it is too easy for the SSA to say, well they look good and the doc says they are much improved, they must be able to work.

Indiana Serious Personal Injury Lawyer and City Sidewalks

Indianapolis personal injury attorneyLast year, in January and February, we had a series of ice storms that left thick ice on everything.  Hospital emergency rooms were stretched to their limits with falls on ice resulting in broken bones, spinal cord injuries, severe strains, brain injuries, torn rotator cuffs and more. Thank goodness that this year we have not had to battle the ice yet.  However, there is something about the law in the City of Indianapolis regarding sidewalks and snow and ice.  Every property owner in the city is required to keep the sidewalks next to their property clear of snow and ice.  If the property owner does not keep the snow and ice clear of snow and ice, they may be subject to fines.  This law, however, creates no duty on the part of the landowner to keep the sidewalk clear for the benefit of pedestrians.  If you encounter ice on a city sidewalk, left by a property owner, who has done nothing to clear it, do not think that they will be responsible for their actions.  The law does not require them to clear it for anyone but the City.

NOTICE: No face-to-face meeting needed. You can remain safely in your home from case signup to settlement.

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