Things to consider before taking a lawsuit advance or loan against your personal injury case.

You’ve been hurt in a car accident, not been able to work for months, and the bills are piling up. The insurance company is using every stall tactic in the book, your lawsuit will not go to court for months, and you need money now. You look for solutions and happen to see an ad for a lawsuit loan on television offering financial salvation. You make a rash decision and proceed with accepting a lawsuit loan against your potential personal injury settlement. But later when your case settles, you find out this advance ate up your entire settlement after high interest rates, fees, and confusing terms. Was it really worth it?

What exactly is a lawsuit loan or lawsuit advance? If you have a personal injury claim or pending lawsuit, you can get an advance or loan pending the outcome of your case. Companies offering this service are referred to as a lawsuit loan, lawsuit advance, or lawsuit funding company. You can get money within hours or days to an amount that is a percentage of the value of your personal injury claim. In most cases, there would be no to very little upfront fees as a lien is place against any settlement or judgment you receive from your case to ensure the lawsuit funding company will be paid back for their service.

Before you pursue a lawsuit advance, you should do a little homework to ensure this is the best option for you and that you completely understand all of the terms. All other options for financial assistance that would not charge a high interest rate or fee should be considered first. Also, it would be in your best interest to seek the advice of a financial planner or your attorney so they can go over the agreement with you and determine if it is even a good idea.

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Toyota’s Defective Brakes in 2010 Prius Already Causing Accidents

Toyota’s latest ad campaign isn’t filled with pictures of fast cars on highways or clever jingles. Instead, they’ve focused their campaign on apologizing for the defects in the latest model of the Prius. First, reports came in on the sticky gas pedal, which is potentially responsible for some dismal fatal car accident statistics, including 19 car crash deaths. Now, it seems that the brakes in the Prius are also defective. The St. Louis Post-Dispatch reported that the defective brakes caused, “a momentary loss of braking capability while traveling over uneven road surfaces, bumps, or potholes.” Toyota has stated that the defect is a result of an error in software programming.

Though Toyota is now taking responsibility for the defect, why did it happen in the first place? What many people don’t know about the car companies is that, often, if there is a defect in the car, the company calculates how much it may cost to fix versus the anticipated lawsuits. If the amount they would have to pay out in law suits is less than the risk, they often won’t fix the defect. Scary, huh?

Now, on top of the everyday worries of driving, we must worry about the safety of the actual cars we buy. Plus, even thought Toyota has recalled the brakes and gas pedals, many St. Louis auto defect lawyers are wondering how the company will treat those already injured from the defects. How difficult will it be to get help with medical bills if you’ve already been in an accident in the Prius? How hard will negotiations be for the average driver?

The best course of action to take if you’ve been involved in an accident that could be the result of a defect is to contact a experienced St. Louis car accident or accident claim attorney immediately. The longer that you wait, the harder that it could be to avoid the common mistakes that people make that ruin their claim.

Traumatic brain injuries may require help of experienced Ontario personal injury lawyer

If you or a loved one has experienced a traumatic brain injury (also known as an acquired brain injury) because of the negligence or criminal action of another person or business,  you may be entitled to compensation (damages) for your medical expenses, pain and suffering,  and other expenses that arise due to  the injury.

Choosing an excellent lawyer can be difficult.   You are under emotional strain from a recent brain injury or maybe you are watching a loved one suffer through  such an injury. To win a personal injury lawsuit, knowledge and experience are important.  The right lawyer can make the difference between having enough compensation or coming away with none.  A knowledgeable, experienced brain injury lawyer will help you with understanding and compassion through the process of seeking compensation and will be best able to get you an appropriate amount of compensation.

Do You Really Need A Lawsuit?

Brain injury from a traumatic injury is a major cause of disability.  Every year in Canada, over 11,000 people die as a result of a Traumatic Brain Injury. Over 4,000 will die in Ontario alone.  The leading causes of Traumatic Brain Iinjury are falls, motor vehicle crashes, bicycle crashes, and sports related injuries. Traumatic Brain Injury is the primary cause of death and disability among kids.

Men between 15 and 24 years of age are most likely to experience a traumatic brain injury. Vehicle accidents, sports accidents, and work accidents account for most of these injuries. Seniors above the age of 75 are also at higher risk for a traumatic brain injury due to the increased risk of falling.  Kids under 5 are also at higher risk for a Traumatic Brain Injury.

If you or a loved one has been brain-injured due to someone’s negligence behind the wheel or in maintaining their property, an excellent lawyer can help you collect financial compensation to cover the many expenses involved in caring for someone with a traumatic brain injury.  Financial compensation awarded in a lawsuit, either after a trial or a settlement, may cover:

  • Medical expenses not covered by OHIP
  • Attendant Care
  • Rehabilitation Expenses
  • Counselling and Psychiatric care
  • Lost past and future wages
  • Vocational assistance to help with retraining
  • Travel expenses for medical care
  • Various support services for the injured person’s family
  • Funeral expenses
  • Pain and Suffering

An experienced Ontario brain injury lawyer will help you secure compensation for these expenses and others related to the traumatic brain injury.

You and your loved ones may be concerned that if you start an Ontario personal injury lawsuit you will have to dedicate a lot of your time in court and at your lawyer’s office.  However, most of the work on your file is done by the lawyer.  You will be involved in the fact gathering stage and at the decision making stage.  But otherwise, your role in the case will rarely be more than a couple of days leading up to the trial.

Don’t Wait Too Long

Remember that in Ontario, as in most jurisdictions, there are time limits for most lawsuits.  Consult with a personal injury lawyer as soon as you are able to after the accident to enjoy a free consultation about your rights after your traumatic brain injury.

Avoid a Virginia car accident injury this winter | Virginia auto accident injury attorney

This winter, Virginia got hit by record-breaking snowfall. Winter driving presents a number of challenges. Treacherous driving conditions test your abilities as a driver. The consequences of not taking enough care on an icy road could be dire. The best course of action to take in bad winter weather is to not drive at all, that is, if you can avoid it. Do not go out until the snow plows and sanding trucks have done their job and do allow yourself some extra time to reach your destination. If you must head out in snowy and icy conditions in Virginia this winter, here are a few helpful hints to help you reach your destination safely:

  • Drive slower than you normally would and maintain enough distance between you and the vehicle in front of you so you have plenty of room to stop. In such conditions, you should allow at least three times more space than usual between you and the car in front of you.
  • Brake gently to avoid skidding. If your wheels lock up, ease off the brakes.
  • Keep your lights and windshield clean. Turn on your lights so you are visible to other motorists on the roadway.
  • Use low gears to keep traction, especially on hills.
  • Do not use cruise control or overdrive on icy roads.
  • Use caution on bridges, overpasses and infrequently traveled roads. These are the areas that will freeze first.
  • Be very careful around snow plows and sanding trucks. The drivers of these vehicles have limited visibility.
  • Do not assume that your vehicle can handle any condition. Even if you are driving a four-wheel or front-wheel drive vehicle, you can come face to face with problems on an icy road.
  • Always keep your eyes open for erratic drivers or out-of-control vehicles.

If you or a loved one is seriously injured in a Virginia auto accident as a result of a negligent driver or a defective roadway, you may be able to seek compensation to cover medical expenses, lost wages, cost of hospitalization and other related expenses and damages.

What is a Virginia personal injury case? | Virginia car accident lawyer

What is a Personal Injury Case?

Let’s start at the very beginning: Just what is a Virginia personal injury case? Lawyers say that they handle “personal injury cases” or “Virginia car accident injury cases” or “wrongful death cases,” and yet my wife Margaret tells me that she does not think that everyone understands exactly what this means. Indeed, people who have known me for years will come up to me and ask me for a referral to a car accident attorney! They do this even though I think that they know exactly what it is that I do.

A personal injury, car accident, or wrongful death case is any type of claim where a person has been injured or killed due to someone else’s carelessness. If the only damage in your case is that your car got banged up, then you don’t have a personal injury case – but you may have a property damage case. If both you and your car have suffered an injury, then you have both a personal injury and a property damage claim. In those circumstances, either your insurance company or their insurance company will usually take care of the property damage claim.

If someone’s negligence causes the death of another, then this is called a “wrongful death” claim. The law of each state or jurisdiction differs significantly regarding what can be recovered in a wrongful death case. You need an attorney who understands the specialized wrongful death laws of the state where the death occurred.

You Are At War-But It’s a War That Can Be Won

The day you were injured, you entered a war zone. Insurance companies and some in the government have declared war on injured people and their attorneys. They have waged the war in the media and their propaganda has had a tremendous effect on juries and their verdicts. This is called tort reform. The success that the insurance companies have had in tainting the minds of jurors has emboldened them to not offer fair settlements until you prove to them that you are ready, willing and able to go to trial.

Admit it. Until you or a family member were injured, you, too, may have thought that a personal injury lawyer was a bad person and that people who make claims and file lawsuits were stealing from society. That’s what billions of dollars in insurance company advertising will get you!

What Must You Prove to Win Your Case?

Just because you were hurt doesn’t mean you are entitled to money. You must prove that someone else was negligent or careless and that it was his or her negligence or carelessness that caused your injury. If you fail to do this, you lose. If you sue the wrong person, you lose. If you wait too long to sue, you lose. If you had an injury before the accident, then you are only entitled to be compensated to the extent that your injury is now worse.

In Virginia, if you were in any way at fault, you lose. This is known as the law of contributory negligence. This means that if the “other guy” was 99 percent at fault and you were 1 percent at fault, then you cannot recover anything. Sound fair? Hardly! Virginia is one of only three states in the country that has this rule. Most states will “compare” the negligence between two people and apportion damages appropriately.

Do You Really Need An Attorney To Settle Your Case?

You definitely do not need an attorney for every small injury case. In fact, our office does not even accept cases where there’s little or no property damage or the injuries are minor. Why not? Simple. In the small case, the attorney fee and costs might leave little or nothing for you after your medical bills are paid, and we don’t believe that would be fair to you. If your case is small and you would like to try to handle the case yourself, with our advice, we do charge a small consulting fee. This may save you thousands!

Before you decide whether to hire an attorney…

Did you know that a 1999 study found that insurance companies pay higher settlements to injured people who use an attorney than those who do not?

It’s true. In 1999, the insurance industry performed a study to find out if people who had accident claims received more money in settlement by using an attorney than those people who settled on their own. The Insurance Research Council, a non-profit organization that is supported by leading property and casualty insurance companies across the United States, performed the study. The mission of the IRC (IRCweb.org) is to advance the insurance industry’s view on matters crucial to insurance companies. The IRC found that people who used an attorney received, on average, 3 1⁄2 times more money in settlement than those individuals who settled on their own.

Car Rolls Over in Accident on Highway 44 in St. Louis

There was a St. Louis, Missouri car accident around 5 a.m. on Interstate 44 today. The accident occurred close to the exit for Kingshighway in the westbound lanes. One vehicle flipped over and two people were taken to the hospital as a result. There has been no word yet on their conditions or the cause of the accident. I will be sure to provide an update as soon as more news about the accident is reported.

I am hoping for the best for the two accident victims that were rushed for the hospital. I wish their families strength through this hard time.

It will be interesting to see what kind of information comes out about the nature of the accident. Usually, if a car has flipped over on the highway, there was some sort of event that caused it. The way that the victims should approach their claims will be different depending on how the accident happened.

To make sure they have the best opportunity possible to take care of their medical bills, the victims and their families should make sure to record all injuries and treatments. An experienced car accident attorney could help them decide which information is important to their claim and also help them avoid the most common errors people can make after an accident, like giving a recorded statement to the insurance adjuster.

Understanding Wrongful Death Law in Washington State | Seattle, WA wrongful death attorney

The death of a person that is caused by the conduct of another party may give rise to a “wrongful death” claim. A wrongful death is one where a person dies due to the unlawful conduct of another person or entity. The unlawful conduct can be intentional (e.g., assault or murder) or unintentional (i.e. negligent or mistake). Not only can an individual person be responsible for causing a wrongful death, but so can a corporation or governmental entity as well. When a wrongful death occurs, the law permits the surviving relatives of the deceased to recover certain types of damages against the responsible party.

In Washington (like most states), a Washington wrongful death claim is governed by a specific statute that was passed by the legislature. The wrongful death statute has specific requirements that must be met before a case may proceed. To bring a wrongful death case, a person called a “Personal Representative” must first be appointed by the court on behalf of the deceased person’s estate. The Personal Representative may also be known as the Executor or Executrix of the estate. A petition to appoint the Personal Representative must be filed in court. The judge must then enter an order appointing the person who will act as Personal Representative of the estate. The Personal Representative is then legally responsible for prosecuting the wrongful death case on behalf of the estate and certain surviving relatives (also called beneficiaries).

In Washington, only certain designated surviving relatives can bring a wrongful death case. These surviving relatives are also called “statutory beneficiaries” (because they are designated by the wrongful death statute). The Washington legislature created what is called a “two-tiered” system of beneficiaries who may bring a wrongful death case. This means that there are two levels of certain designated surviving relatives that have legal authority to recover damages caused by the death of a loved one. If none of these designated surviving relatives exist then no wrongful death action can be brought. In that case, the death of a person, even if considered “wrongful,” cannot recover damages against the responsible party.

In Washington’s “two-tier” system, the surviving spouse and children make up the first tier of authorized beneficiaries. A step-child is also included in the first tier. These surviving relatives have automatic standing to bring a wrongful death case for the wrongful death of a spouse or parent. Often times one of these “first-tier” beneficiaries will be appointed as the Personal Representative by the court to bring the wrongful death lawsuit.

The second tier of beneficiaries who may bring a wrongful death action consists of a parent or sibling of the deceased, but only if this surviving relative was dependent on the deceased for financial support. There is one exception however. That is when the deceased child is a minor. In that case, a parent may bring an action for the wrongful death of a minor child to recover damages for the “destruction of the parent-child relationship” regardless of whether the parent was financially dependent on the minor child at time of death.

But if the person wrongfully killed was an adult, unmarried and without children, only a parent or sibling may maintain a wrongful death action as long as this surviving relative was financially dependent on the deceased at the time of death. Washington courts have stated that the “second-tier” beneficiary must have been substantially dependent on the deceased for financial support. The parent or sibling does not need to be wholly or completely dependent on the deceased. But there must be enough evidence to prove “substantial financial dependence.” The financial dependence must also occur at the time of death, as opposed to having occurred in the past or to occur at some point in the future.

What constitutes substantial financial dependence? There are no hard and fast rules. But Washington courts have generally held that substantial financial dependence may occur where the deceased was paying or contributing to a portion of the parent’s or sibling’s living expenses. The courts have clearly stated however that services provided by the deceased that one would expect to be provided by a family member is not enough to show substantial financial dependence. The courts have also held that “emotional” dependence is not enough either. Without evidence of substantial financial dependence the court will almost certainly dismiss the wrongful death action for failing to comply with the specific terms of the statute.
Washington’s wrongful death statute can produce some very unjust results.

Take for example the situation where the person wrongfully killed is an adult, unmarried and has no children. Even if the deceased had very close and loving relationships with his or her parents and siblings, no wrongful death action could be brought unless the deceased was financially supporting his parents or siblings. One would assume that most single childless adults do not financially support other family members. So when a wrongful death occurs in this type of situation no recovery can be made, no matter how egregious the conduct was that lead to the person’s death. That is unjust. The death of an unmarried childless person is no less painful or devastating to a surviving parent or sibling not receiving financial support than it is to a surviving relative who was receiving financial support from the deceased. This is why many attorneys have asked the Washington legislature to amend the wrongful death statute to prevent these types of unjust results.

When the Personal Representative brings the wrongful death action, he or she does so for the purpose of recovering damages on behalf of the deceased person’s estate and surviving beneficiaries. Both the estate and surviving beneficiaries each can recover economic and non-economic damages caused to them by the person’s death. The estate’s economic damages may include healthcare and funeral expenses as well as the deceased person’s net accumulated earnings and benefits expected to have been earned over the course of the person’s life had death not occurred.

The phrase “net accumulated earnings” refers to those earnings and benefits received after other personal and living expenditures are deducted (e.g., normal living expenses, gifts, contributions, and consumer expenditures). The law requires that an expert (usually an economist) calculate the present value of the Estate’s expected net accumulation. Obviously this amount will vary according to the deceased person’s income producing capability. There can be wide disagreement among the experts on just how much net accumulated earnings would have been earned by the deceased had death not occurred. For this reason it is very important to involve competent and highly skilled experts in the case who have excellent reputations.

A difficult case can arise when the deceased is a child or when the deceased’s earnings history is sporadic, or when the deceased’s earnings potential has not been fully realized. In these cases the insurance company and its lawyers will almost certainly argue that any future expected earnings are too speculative to calculate. In these cases the insurance company will often refuse to pay a large sum of money to compensate for future lost earnings. For these reasons it is very important that an experienced wrongful death lawyer be hired early to investigate and pursue this type of case. The experienced wrongful death lawyer can hire the best experts and uncover specific evidence to help prove that the deceased’s potential earnings were much more substantial than what the insurance company lawyers and experts may contend.

When using experts to calculate economic damages, it is important to involve the expert early on in the case. It is also important to furnish the expert with all of the necessary documentation to help the expert calculate lost earnings and expected net accumulations. These records may include without limitation employment, tax, educational, medical, bank, insurance, or other financial documents. In the case of a deceased child or young adult, sometimes the financial records of the parent may help. Many times the earnings potential of children may closely resemble that of their parents. In any event, the expert will want to review as many records in the case to help support the expert’s opinion.

Each surviving beneficiary (first-tier or second-tier) also has an individual claim for economic damages. This might include damages for lost financial support expected to be received from the deceased person had death not occurred. For example, a surviving child might incur damages for expected contributions to cover the cost of a future college education. There might also be damages for healthcare expense incurred by the surviving relative which were necessitated by the person’s death (e.g., counseling, psychiatric treatment, or medication).
The losses categorized as non-economic damages may be more difficult to calculate or quantify. In the case of the Estate’s non-economic damages, these may include a recovery for the loss of enjoyment of life due to the deceased person’s shortened life expectancy. Also included may be damages for the pain, suffering, anxiety, emotional distress, humiliation, and fear experienced by the deceased person prior to death as a result of the incident that caused death (e.g., a car accident victim who initially survives and is conscious before death). Many times it may be necessary to hire a medical expert to help establish that the deceased person consciously felt pain, distress or anxiety before death occurred. Sometimes the testimony of witnesses or passersby’s who had contact with the deceased right before death can help establish that the person was in fact conscious before death and experienced pain and suffering. Occasionally the autopsy report will help prove the deceased was conscious before death, but often times not.
Each surviving beneficiary also has a separate or individual claim for non-economic damages caused by the person’s death.

A surviving spouse may recover damages for “loss of consortium” which includes the loss of emotional support, love, affection, care, services, companionship, including sexual companionship, as well as assistance, expected from the deceased spouse. A surviving child may recover damages for the loss of a parent, to include the loss of love, care, companionship, and guidance expected from his or her father or mother.

In the case of an action brought by the parent for the wrongful death of a minor child, the surviving parent may recover economic and non-economic damages as well. The economic damages may include financial support expected from the child (e.g., if the child were employed and/or contributing toward the parent’s living expenses at the time of death). The non-economic damages may include damages for the parent’s grief, mental anguish, and suffering caused by the child’s death.

Whether damages are being claimed by the Estate, a surviving beneficiary, or a parent over the death of minor child, the non-economic damages portion of the case can be difficult to determine and present to an insurance company or a jury. There is no magic formula to apply. But certain facts may be relevant to deciding what amount of non-economic damages is fair and just. These factors may include the deceased person’s life expectancy, the deceased person’s health and habits, and the quality of the deceased person’s relationships with surviving beneficiaries. Many times using an experienced and competent mental health expert (e.g., therapist, psychologist, psychiatrist, counselor, etc.) can help establish and prove the “intangible” loss suffered by a surviving spouse, parent, child or sibling. Not the least important is to hire an experienced wrongful death lawyer to pursue the case. The wrongful death lawyer will usually possess valuable knowledge and expertise to assist in proving and presenting damages to the insurance company or jury if the case goes to trial.

Clearly the death of a loved one is tragic. An unexpected death in the family can be the most difficult experience to encounter in one’s life. But if you are a surviving relative of a person who was killed due to the intentional and/or negligent conduct of another party, it is important that you hire legal representation as soon as possible. A Personal Representative must be chosen and then formally appointed by the court. In many cases the insurance company investigators and lawyers have already gathered a substantial amount of information to help mount a defense to the anticipated wrongful death action that will be filed. If you delay hiring a lawyer, it could cause substantial difficulties later on, especially if evidence is lost, destroyed or misplaced.

Why You Won’t Read Headlines claiming “Million Dollar Lawsuit Filed in Florida?”

Have you ever wondered why lawsuits in Florida don’t allege the total amount of the damages they are seeking in the complaint?

Florida Personal Injury | Medical Malpractice lawyer James Dodson recently blogged about a Canadian woman who was bringing a medical malpractice lawsuit in Canada for an alleged misdiagnosis of a foot fracture. Her law suit claims she suffered damages of at least $475,000, due to the doctors’ negligence.

This provocative damage allegation, in a story about a lawsuit, would get a lawyer in trouble in Florida! Lawsuits in our state must only allege the minimum requirement, $15,000 in damages, to be entitled to a jury trial in Circuit Court.  Complaints must simply state the injured person has suffered damages in excess of $15,000.

Here it is actually against the law for a lawyer to allege in the complaint the total damages the injured person claims to have suffered.

Florida does not allow lawyers to receive headline news because of damages they allege in their lawsuits until after it has been awarded and proven by a jury.

Why? It is just seen as too sensational!

Richmond, Virginia car accident lawyer: Avoid insurance company tricks

As Virginia car accident injury lawyers, we spend a lot of time negotiating with, and, when necessary, battling, insurance companies on behalf of our injured clients. If you have been injured by someone else’s negligence, you may not even need an attorney. However, what you need for sure is good information – accurate, quality information — that will take you in the right direction and give you a good understanding of your rights and options before you talk to an insurance adjuster, hire a lawyer or sign any papers or forms.

Insurance companies are in the business to make money. Their focus is not you, it’s their bottom line. The best way for them to line their coffers is to make sure they don’t pay you what you rightfully deserve. What an insurance adjuster will invariably do is to try and minimize the value of your case, regardless of your injury or the serious loss and damages you’ve suffered. They are not on your side.

Insurance companies have a lot of dirty tricks up their sleeve. First of all, they will try to blame the accident on you. It’s their best tactic to minimize the value of your case. They will do what it takes – comb the Internet, track down your MySpace or Facebook page, follow you on Twitter. They will try to keep you from gaining valuable information about your rights. They will leave you hanging or string you along for as long as they can in order to keep you from doing what you need to do to protect your legal rights and best interests. They will basically do anything to have the upper hand and keep you under their control so when they make a settlement offer, they believe you will take it without challenging them. They don’t care about justice or fairness – these are words that are not even in their vocabulary.

Our Virginia car accident injury lawyers have seen it all. Please do not let an insurance company or an insurance adjuster take advantage of you when you are injured and vulnerable. Learn their tricks and strategies so you can meet them on a level playing field.