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What to Expect When You’re Not Expecting an Unfavorable Medical Outcome

Medical malpractice cases arise when a patient is harmed because a medical professional or facility fails to provide proper health care treatment.  Rest easier knowing that on the whole, mistakes made by accredited doctors, nurses and hospitals are relatively low in numbers.Medical Outcome

However, it is a reality we sometimes face and a reason medical malpractice insurance plays a factor in the rising cost of health care delivery. As a patient, it is critical to protect you and your loved ones from personal injury that can lead to loss of income and quality of life – physical and emotional.

When you choose an attorney, you want to know that your rm is in good standing as a member of the bar, has expertise in your type of legal matter and a proven track record. For a surgeon, physician or other medical provider, the equivalent resource is your state’s medical licensing board as well as physician and personal referrals.

Do your homework. If there is a problem, know your rights.

Malpractice Claim Basics

If you are planning a procedure, the last thing you need to worry about is a negative outcome. Put that out of your mind by having a basic understanding of what will be considered should you ever need malpractice law.

  • The legal team will need to prove the physician-patient relationship. This means you hired the physician, it was not merely friendly advice.
  • The doctor must be proven negligent. Just because you are unhappy with your treatment or results does not mean the doctor is liable for medical malpractice.
  • The doctor’s negligence must cause the injury. Because many malpractice cases involve patients that were already sick or injured, there is often a question of whether what the doctor did, negligent or not, actually caused the harm.
  • The injury resulted in disability, disfigurement, amputation, paralysis, and/or death. In addition, the injury may have also led to other physical pain, mental anguish, and loss of income and/or earning capacity.

Peace of Mind

The Personal Injury attorneys and legal representatives at Jan Dils, Attorneys at Law have decades of expertise working with malpractice law. We are compassionate and experienced.

Your first consultation is always free. We hope you never need our services, but if you do, we are here to represent you.

As a patient, it is critical to protect you and your loved ones from personal injury that can lead to loss of income and quality of life – physical and emotional.

What everyone needs to know about Mesothelioma

You’ve probably seen at least a few of the many legal advertisements offering help for people with mesothelioma. But what exactly is this disease, and how is it contracted?

Mesothelioma is a type of cancer that occurs in the thin layer of tissue that covers the majority of your internal organs (mesothelium). Mesothelioma is an How to Apply for Supplemental Security Income in West Virginiaaggressive and incurable form of cancer. An online resource, mesothelioma.com explains that there are three recognized types of mesothelioma. Pleural mesothelioma is the most common form of the disease, accounting for roughly 70% of cases, and occurs in the lining of the lung known as the pleura. Peritoneal mesothelioma occurs in the lining of the abdominal cavity, known as the peritoneum, and pericardial mesothelioma originates in the pericardium, which lines the heart.

In this blog, we’ll focus on why an individual should hire an attorney if they have been diagnosed with mesothelioma.

Mesothelioma is caused by exposure to asbestos.  While asbestos was banned in the late 1970s, people today still suffer from illnesses related to asbestos exposure, including mesothelioma.  Even if you were exposed to asbestos years ago, you can now develop symptoms because of the body’s inability to be able to expel asbestos fibers that have been inhaled.  Although products today can still be made with small amounts of asbestos, the regulations that control its use and manage its removal from older buildings are very strict.

At its peak, asbestos was used in a lot of residential and commercial products including brake pads, automobile clutches, roofing materials, vinyl tile, cement piping, corrugated sheeting, home insulation and some potting soils.  So, auto mechanics and those in building trades are at risk.

Many industrial workers are also at risk and have been exposed to asbestos insulation, pipes, boilers, and many other products.

Even family members living with workers exposed to asbestos can suffer from asbestos related illnesses, including mesothelioma.  Second-hand exposure occurs when a household member brings home asbestos fibers on their clothing.

One of the most obvious sources of asbestos exposure is an asbestos mine or processing center. Asbestos mines were prominent in Georgia, Washington, California, and Oregon, as well as Quebec, Canada.  While there are no existing asbestos mines in West Virginia, coal miners can suffer from asbestos exposure.

Many Navy Veterans have also been diagnosed with mesothelioma because a large number of Navy Ships were constructed with asbestos. Veterans who served in shipyards between World War II and the Korean War have the highest risk of exposure to asbestos.

Should you consider legal action? If you have been diagnosed with mesothelioma or lung cancer, please call us. Our toll-free number is 1-877-526-3457. Or, fill out this form so that we may contact you at a later time.

Exploring a new trend in automotive safety

If you are in the market for a new car, there’s a good chance that safety is at the top of your list of priorities. The auto industry is now offering more advanced safety technology than ever before, and most vehicles offer options like automatic braking, blind spot monitoring, rear cross traffic alert, and more airbags. But one new feature, in particular, has generated interest in the industry. Airbag equipped seatbelts may not be as common as some safety features, but they can offer additional protection for vehicle occupants.

Most consumers haven’t heard of airbag equipped seatbelts, in part because they are currently only offered by two manufacturers. Ford Motor Company offers them in Ford and Lincoln models, and Mercedes-Benz currently offers their own version of the inflatable seatbelt in a few of their cars. They are more readily available from Ford, and it’s important to note that they are offered as an added, optional feature in some but not all Ford models, and aren’t currently included as a standard safety feature on new vehicles.

Ford’s Edge, Flex, Fusion and F-150 as well as Lincoln’s MKT, MKX and MKZ are the only ones that offer the enhanced seatbelts as an option. Per Ford’s website, the feature is a $650 upcharge. It’s also worth noting that these seatbelts are for the rear seat, and are not offered on the front seat of any vehicle.

So why would anyone consider a seatbelt with an airbag? The inflatable belt is meant to reduce the force on the head, chest, and neck in a collision. Generally, children ride in the back seat, and their bones are not fully developed yet. The inflatable seatbelt could possibly keep a child from having broken bones from the seatbelt as the result of a crash. According to the Ford website, the benefits of the seatbelts are as follows:

During a crash, the inflatable belt helps distribute crash forces across more of a passenger’s torso than a traditional belt – up to five times more. Spreading the pressure over a larger area helps reduce pressure on the passenger’s chest, and helps control head and neck motion.

If your little ones are still in car seats, then you should do some research. Not all car seats work with the inflatable seatbelts. The belt is thicker than the standard belts that most cars use, and also a little less flexible. If you purchase a car equipped with inflatable seatbelts and have children in child seats, simply search online to see if your seat is compatible. Ford dealers should have up-to-date lists of compatible seats, but if you purchase your vehicle used, you will likely have to do your own research.

There is not a lot of research or testing to back up the claims made by Ford Motor Company. Ford has offered to sell the technology to other automakers, but it is unclear if any manufacturers have expressed interest. Ford has been using it since 2011, and it does not appear that anyone else is introducing the technology in the coming model year.

If you’ve been injured in an accident, call us for a FREE consultation. Our Toll-Free Number is 1-877-526-3457. If you can’t talk now, fill out this form so that we can call you at a better time.

What are the signs of Nursing Home Neglect?

At the age of 14, when other teens were hanging out at the mall, going to dances, and being social, I was visiting my father in a nursing home. When most people

The signs of nursing home neglect aren’t always obvious.

realize that I was only 14 and had a parent in a nursing home, they assume that my father was one of those new age senior citizens who have children well into their sixties. Unfortunately, that was not the case with my dad. He was only 41. His body was weak from two years of battling brain cancer and having multiple surgeries. We tried taking care of him in-house, but it became too much for us. We decided that a nursing home was our best bet to give him proper care. It turns out we might have been wrong. I recall going to the nursing home one day to visit my father and I saw what would eventually be the beginning of the end.

Due to my father’s chemo, and the fact that had tumors in his brain, he was weak. He could not get in and out of bed on his own. One day in August we were visiting him. The nursing staff was helping my father back into bed when they didn’t give him proper care. Instead of laying him in the bed gently they let go early, and his head went crashing into the headboard. I was sitting next to the bed and saw it all happen. My father’s head hit on an edge of the headboard, near where he had surgery recently. Granted, this was 18 years ago, and I am no Doogie Houser, but I believe this impact caused my father’s shunt to quit working. Five months later we were planning his funeral.

Sudden weight Loss is a sign of neglect.

What I described was a not typical case of Nursing Home Neglect, but it’s too painful for me to discuss some of the other things I witnessed. At the time, nursing home neglect was not as mainstream as it is now, and we were not the type of family to sue anyone. We had just lost the patriarch of our family after a very long and stressful two year battle with a terrible disease. Now, in 2017, the Statute of Limitations has passed, and all I can really do is educate other people about the subject, and tell you what to look for with your loved ones.

Nursing home abuse and nursing home neglect are broad terms used to define a variety of offenses within the nursing home abuse. They can refer to something as simple as not attending to patients on a regular basis, to sexual abuse and rape. The subject is truly disturbing to talk about too.

Instead of examining specific cases of nursing home abuse, let’s look at things in a little more general fashion today. What are some signs of Nursing Home/Elder Abuse you should be on the look out for with your loved ones?

–      Emotional or social neglect, where the elder person is repeatedly ignored, left alone, or accidentally snapped at by an overstressed nursing home staff

–      Personal hygiene neglect, where patients do not receive adequate help with laundry, cleaning, bathing, brushing their teeth, or other forms of hygienic practices

–      Basic needs neglect, where the nursing home neglects to provide reasonable food, water, or a safe and clean environment

–      Medical neglect, where the nursing home fails to provide adequate attention, prevention, or medication for concerns such as bed sores, infections, cuts, diabetes, cognitive diseases, and mobility concerns

Warning signs of nursing home neglect include:

–      Sudden weight loss

–      Bedsores, or pressure ulcers

–      Injuries from nursing home falls

–      Dehydration

–      Malnutrition

–      Withdrawn elder behavior, or unusual changes in behavior

–      Changes in personal hygiene or appearance efforts

–      A growing lack of friendly interaction with the nursing home staff

–      A growing lack of friendly interaction with the other nursing home residents

–      Environmental hazards, such as poor lighting, slippery floors, unsafe mobility equipment, or unsafe furniture in the nursing home patient’s room

If you suspect a loved one is a victim of nursing home neglect or elder abuse, report it to the proper authorities. If you’d like to know more about your legal options, give us a call today for a FREE consultation. Our toll-free number is 1-877-526-3457. If you can’t talk now, fill out this form, and we will get back to you.

Driving Up Stream; How Live Streaming is Causing A Lot Of Accidents

One of the fun things about working in social media is seeing how technology is always changing how we deliver content. Five years ago it would have been unheard of to have business pages on Instagram or Snapchat. Likewise, to suggest streaming live video via a social media account was unheard of a few years ago. Granted, services like UStream were available back then, but these platforms were not easy to use. So, most brands didn’t participate. Recently, tools like Periscope, Meerkat, and Facebook Live have made live streaming video so easy, anyone can do it. Now that “going live” on Facebook or Instagram is so easy, it’s also more dangerous.

Our firm has had fun with Facebook Live.   It’s great for reaching our clients. We’ve used it mostly for fun, but it shows our clients another side of our firm. It helps them get to know us better. For instance, when we present our Golden Apple Award to a teacher in the Mid-Ohio Valley, we set up a mobile device to stream the announcement live. This practice allows our clients to see a behind the scenes aspect of our firm. It’s safe to say that we use this feature as it is intended. However, we’re aware that a lot of people don’t follow the rules.

Periscope is a lot like Facebook Live, except it has its own app, and it integrates into Twitter easily. Periscope came out before Facebook Live, and many early adopters still prefer this application for live streaming. It was while watching a video on Periscope one evening that I first started to notice people using live video streaming when they shouldn’t. NASCAR driver Tony Stewart was using Periscope while driving home one evening. He was providing commentary about the other motorists, and he was answering questions from his fans. He was doing this all while driving on a rainy interstate. Soon after, I noticed more and more people broadcasting live videos as they drove. It now seems common to see live videos on Facebook, Periscope, and Instagram while users are driving.

Obviously, distracted driving is an issue, and it is nothing new. However, this adds another level to the issue because people are actually recording themselves committing crimes. In most states, it is currently illegal to operate a vehicle while using a non-hands free mobile device. For instance, I follow a local photographer who enjoys filming himself passing cars on rural roads in West Virginia. In one such video, this gentleman clearly passed a car on a double yellow line, essentially passing in a no passing zone.

It’s easy to argue that what I have seen is minor compared to what has occurred with some live streaming drivers. Earlier this month a Rhode Island man streamed himself driving recklessly on Facebook Live. While on the interstate he was traveling up to 115 MPH and passing cars on the shoulder. He eventually hit a dump truck. Luckily no other motorists were injured.

I believe it’s safe to say that everyone knows that it’s not safe to text/live stream while driving. However, the penalties for drivers who break this law are not very steep. Currently, the West Virginia traffic code does not list specific violations for live streaming. However, our state does have specific laws for texting or using a non-hands-free device while driving. The first offense is $100, the second offense is $200, and the third offense is $300. The third offense also comes with the possibility of points against your license. These fines don’t seem too strict considering that our fines for littering are much stronger. If you are convicted of littering, on your first offense, you could lose points on your license, and your second offense may result in community service. I hate a litter bug at as much as the next fella, but I think a distracted driver should be penalized more. Granted, that is my opinion.

Sadly, the number of accidents caused by distracted drivers is on the rise. In these accidents, injuries or fatalities are likely.

UPDATE

 

Since we originally wrote this blog, there has been another tragedy making national headlines regarding Live Streaming while driving. Obdulia Sanchez, 18, of California was broadcasting live on Instagram while driving her car. She lost control and crashed the car into a fence. It eventually flipped in a nearby field. Her sister, 14 and a friend, also 14, were ejected from the car. They were not wearing seatbelts.

Sanchez continued to film after the accident and addressed the people watching the video. She addressed the fact that she (likely) killed her sister in the accident. She also mentioned that she was probably going to go to jail for life for what occurred. The other 14-year-old passenger in the car survived.

One thing that does set this example apart from the others is that Sanchez was arrested after the accident for a suspected DUI and Gross Vehicular Manslaughter. She may have been under the influence of alcohol while driving.

Instagram, which is owned by Facebook, issued the following statement to NBC News after the accident:

“We’re deeply saddened by this tragedy. We urge people to use our reporting tools if they see any content or behavior that puts anyone’s safety at risk. We want to interrupt these streams as quickly as possible when they’re reported to us, and we will also notify law enforcement if we see a threat that requires an immediate response. We suggest people contact emergency services if they become aware of a situation where the authorities can help.”

If you’ve been injured in a wreck because of a distracted driver, call us today for a FREE consultation. Our Toll-Free number is 1-877-526-3457. If you’d rather talk at a different time, fill out this form and call us at a later time.

Do I have to pay taxes on a Personal Injury Settlement?

It’s the most wonderful time of the year. The holidays are over, spring’s not quite here, and a lot of us are preparing for tax season and all the pomp and circumstance that accompanies this time of year. I’m a simple fella from Parkersburg, West Virginia. It only takes me about 30 minutes to complete my tax return. As a single person with no kids, I keep my expectations low regarding returns. If I am lucky, I’ll have enough money in my refund to buy some new bedding and possibly get some new sconces for my bedroom. Not everyone has it as simple as I do. For instance, my sister once won a “Rock, Paper, Scissors Contest” sponsored by Anheuser-Busch. Yes, you read that correctly. The result of her “championship” was a free trip for two to Las Vegas for the national Rock Paper Scissor Championship Tournament. Once again, this is all real. It was on TV and everything. Between the flight, hotel, and other prizes, the trip was valued at over $4,000. Come tax time, my sister had to count this as income and pay taxes on the prize. Luckily for my sister, she didn’t have to pay too much on a $4,000 prize. However, if you are awarded something like a new car, or a fancy vacation, or really, most prizes valued over a specific amount, you must pay taxes on the prize. This is why so many people forfeit whatever base model car they win on “The Price is Right.” Recently, a friend of mine asked me if she would have to count her personal injury settlement as income the way prize winners do. I honestly didn’t know, so I thought I’d dive into this topic deeper.

I was hoping to find a simple yes or no answer when I started researching this topic. However, I realized I was dealing with both taxes and law, so I was a tad naïve to think anything would be simple. The quick answer no, you don’t have to pay income tax on your personal Injury settlement. So, you may be thinking, “are there exceptions to the rule? We’re dealing with the government, so, of course, there are exceptions.

The official statement from the IRS is as follows:

If you receive a settlement for personal physical injuries or physical sickness and did not take an itemized deduction for medical expenses related to the injury or sickness in prior years, the full amount is non-taxable. Do not include the settlement proceeds in your income.

If you receive a settlement for personal physical injuries or physical sickness, you must include in income that portion of the settlement that is for medical expenses you deducted in any prior year(s) to the extent the deduction(s) provided a tax benefit. If part of the proceeds is for medical expenses you paid in more than one year, you must allocate on a pro rata basis the part of the proceeds for medical expenses to each of the years you paid medical expenses. See Recoveries in Publication 525 for details on how to calculate the amount to report. The tax benefit amount should be reported as “Other Income” on line 21 of Form 1040. (read the entire IRS Publication here)

If you have received a settlement from a personal injury claim, and you’re not sure if you used any of your settlement for medical expenses, or if you just have general tax questions, it may be beneficial to consult an accountant. Keep in mind that many accountants focus on taxes just like we focus on Personal Injury Law. Another option is a step by step accounting program. Many of these pop up during tax season, and some offer live help either by text chat or video conference.

If you’d like to know more about the types of services we offer, or if you’d like to talk to someone about your personal injury claim, call us today for a FREE consultation. Our toll-free number is 1-877-526-3457. If you’re not available to chat now, fill out this form so that we may contact you at a later time.

Blind Spot Monitoring Leading the Blind

As I look back on 2016, I realize that it has been my busiest travel year by far. I know this because of the number of cars I have rented according to my phone’s Bluetooth pairings. My phone has been paired with more cars than Taylor Swift has been paired with bad guys.  Whether it was a trip for business or pleasure, I was in and out of a lot of different cars this year. I am also in the process of buying a new car, so I have test driven many cars, too. Not to mention all the fun I had looking at cars while attending auto shows. While I have never driven anything too exotic, I did get to drive and see a variety of cars. I drove everything in 2016 from a Ram 3500 dually, to a Hyundai Tucson that was clinging for every last ounce of life it may have had. Along the way, there were a few things that really stood out about these various vehicles.

One of the greatest things I noticed was that the Nissan Altima is a fuel miser. It’s a midsize sedan yet it managed almost 40 mpg on the highway when I drove it to Cleveland, Ohio. However, because it had a CVT transmission, there was a constant whine. It was most noticeable at low speeds. The whine was at its worst when I drove around downtown Cleveland. The city of Cleveland hadn’t experienced that much whining since The Indians lost the World Series.  I also drove a Jeep Cherokee. While it was not as efficient as the Altima, it was much more comfortable. Plus, it had heated seats and a heated steering wheel. However, at a toll booth, the emergency brake accidentally activated and I thought for sure the car had been hacked. Overall, my favorite car to drive was the Camry. I never thought I would say that, but it was very quick and fun.

The worst car driving experience for the thus year was when I took a Mazda 3 to Philadelphia, Pennsylvania with my friend Shawn. I want to be very clear, the Mazda 3 is not a bad car. It just was not the car for us. We are both tall, large men and this compact car is not made for larger people. I hit my head every time I entered the vehicle, it was very underpowered, and during a very heavy rainstorm, I was certain we wouldn’t make it back home. While the overall experience with the tiny Mazda was not favorable, it did have one feature that no other car I drove this year had…Blind Spot Monitoring.

If you’ve never driven a car with Blind Spot Monitoring, it’s neat. A Bling Spot Monitoring system is self-explanatory. It’s a system that uses sensors to detect other cars or objects in your blind spots. For most vehicles, an icon in your side view mirrors will illuminate when there is an object in your blind spot. In the Mazda, the system is a little more advanced because it chimes if the driver activates a turn signal while something is in the blind spot. I will admit, this feature took some getting used to for me. By the end of my trip I was really starting to like the feature, and possibly getting too used to using it.

Earlier, I mentioned that I was in a rain storm so bad that I wasn’t positive that I’d make it back alive. Well, it was on the way home from Philadelphia, near the city of Baltimore, when the heavens opened up, and my little compact car didn’t want to play in the water. Trying to drive in the storm was nearly impossible. The rain was so strong that visibility was reduced to mere inches in front of the car. Looking back at the situation now, I can see that we should have simply pulled off the road. However, I was on an adrenaline high from meeting Television’s Stephen Amell at the Philadelphia Comic Con and was not about to sit idly by as other motorists beat me to the West Virginia line.

One thing I did not realize in advance was that the sensors for the Blind Spot Monitoring system don’t work well in adverse weather. For instance, if the sensors are dirty, covered in snow, or, ssi benefitsas in my situation, surrounded by torrential downpours, they won’t work as intended. I learned my lesson after I nearly sideswiped a Chevy Cobalt. It’s safe to say that most consumers are not aware of this issue. We tend to become too reliant on these driving aids. I think it’s safe to assume that few people under 25 have ever driven a car without ABS or traction control. While these aides to make driving easier and safer, they take control away from the driver. It’s possible that a driver may panic in a situation when a driving aid fails because they are not accustomed to driving without it.  Most manufacturers will list these limitations in the owner’s manual; but, let’s be honest…a lot of people don’t read those. This, however, may not be the biggest issue with driving aids.

If you’ve read my blogs in the past you’ll likely know that I have an obsession with cars. I stay up way past my bedtime most nights researching cars on YouTube and Autotrader. Because of this obsession, I have a bank of useless car knowledge. With that in mind, you can imagine my surprise when I learned how some cars are sold without all of the available safety features. Let’s not get ahead of ourselves yet though. All cars sold today now have airbags, seatbelts and the like. The issue is when cars are sold without electronic driver’s aids, but the owner believes that the car is equipped with the feature.

I am not trying to say that certain car companies are trying to do a bait and switch on consumers. There are few reasons why this disconnect can happen. One of the main reasons is that car companies have special names for each feature. Let’s use Subaru as an example. Subaru has one of the best Crash Avoidance Systems according to the IIHS. It’s called EyeSight. This feature is an automatic braking system for the car that works well. Subaru has something similar for the back of its cars which is similar but sold and packaged differently. It’s called the Reverse Autobrake. Here’s where things get tricky.

EyeSight is not standard on our example car, the Legacy, at any trim level. However, the Reverse Autobrake is standard on the most expensive trim levels, the 2.5i Limited, and the 3.6R Limited. To add EyeSight to these two trims, there is an additional cost of over $1,500. To complicate the matter, even if the car is not equipped with the EyeSight feature, it can still be marketed as auto/self-braking because of the rear system. This can easily create confusion for the customer. Consumers see that they have semi-autonomous features and they think that it’s for every aspect of the car. Some may say that it’s the responsibility of the consumer to make an educated decision about the car they are buying. I consider myself very educated when it comes to the automotive industry. However, I struggled to interpret Subaru’s website and available features.

As cars evolve, we need to make sure we have a better understanding of how their autonomous features work. Be sure to do your research, and ask lots of questions when you purchase your next car. However, if you’ve believed you were injured in an accident because of faulty driving aid, give us a call for a free consultation. Our toll-free number is 1-877-526-3457. If you aren’t available to talk now, fill out this form so that we may contact you at a better time.

What You Need To Know About Medical Payments Coverage

When I was younger I always hated paying my insurance. The cost was always extremely high, and the people I interacted with were very rude. I always tried to get the bare minimum jan dilscoverage. It wasn’t until I was much older, and had spent some time working around personal injury attorneys, that I realized how wrong I was about insurance coverage. Though my car is 12 years old, paid for, and worth less than stock in Samsung, I still have full coverage on the car. I also carry high property damage coverage and high underinsured and uninsured motorist coverage. Though I’ve been proactive about my insurance, I’ve learned that it may not be enough. Recently I learned about Medical Payments coverage. It turns out that my current policy may still not be adequate.

Medical Payments coverage is a good supplement for many insurance policies because it is often affordable, and it can help pay for medical bills if you are injured in an accident. If you are hit by a driver with state minimum coverage, this could be even more beneficial because their insurance coverage likely won’t be enough to pay for your medical bills. It get’s better, though. Depending on your insurance provider, Medical Payments coverage may also cover the following:

  • Passengers in your car
  • Injuries sustained while you are walking or riding a bike
  • Prosthetics
  • If you’re injured as a passenger in another person’s car
  • Dental care
  • And more

In addition to providing coverage for medical bills, some Medical Payments coverage will also cover funeral costs. Once again, every provider is different, so it’s important to check your policy.

You may still be asking yourself if this is something you really need. Well, It can be helpful if you look at the numbers. If you are hit by a driver with perfect insurance coverage, then you are pretty lucky. However, the number of people who drive without insurance is staggering. It is as low as 4% in Maine and Massachusetts. However, that is much lower than the national average of 12% and far better than the worst state in the union, Oklahoma, at 26%. Nationally, there is a 1 in 8 chance that the person who hit you doesn’t have insurance.

Federal Help for DisabledSome may look at the numbers over the years and state that the average is trending downward. That’s true, but it’s not just uninsured motorists you have to worry about. Underinsured motorists are also an issue. There are a lot of cut-rate insurance providers currently. Many motorists will join these insurance providers because of cheap their coverage is, and how accessible they are for individuals with bad credit. In other words, there may be more people with insurance now then there was ten years ago, but many of these insured drivers have very little coverage.

If you’re intrigued by Medical Payments coverage, be sure to talk to your insurance provider about it. Most agents will agree that you want at least $25,000 worth of coverage. If you’ve been injured in an accident, call us today to learn more about the services we provide. Our consultation is free. Simply call 1-877-526-3457, If you can’t talk now, fill out this form so that we may call you at a better time.

 

 

Car Value Depreciation, and your Personal Injury Claim

When I was in college I drove a first generation off-red Dodge Neon. I loved the car. It was not the prettiest thing in the world, but it was fun to drive. As I owned this car during the height of the “Fast Furious” craze, I decorated it with neon lights, an aftermarket exhaust, and I even had a vanity plate that read “NeonJon.” The car was not without flaw. One day, on the way to my local mall, a lady hit me, and in the process killed NeonJon. So, it was time for a new car. The process of financing my first car took a lot longer than I expected. I eventually found a 2002 Kia Optima at a local dealer. I wasn’t in love with this car, but I was desperate, and it made a cool sound when I left the keys in the ignition. So, I bought it. In my haste to buy a new car I didn’t take the time to properly review the car’s actual value nor did I take the time to research the depreciation value. It turns out that this information was really important four months later when I totaled the car by hitting a tree on Valentine’s Day.

Like a good motorist, I called my insurance agent to let them know what was going on. A few weeks later I met with an accessor, and then the bad news came shortly after. My insurance provider, who was supposed to be on my side, would not cover the total cost of the vehicle. Further, I even purchased gap insurance through my lender, and that was not enough to cover the cost of the totaled Kia. I was lucky, though, I only had to pay $25 out of pocket to cover my car. Granted that was in 2006 dollars, and I was a poor college student, but still, I was lucky. This is not always the case. Most people won’t get away with paying fewer than $30 to cover the cost of their totaled car.

Here is a better example of how extreme this type of situation can be. Currently, the manufacturer on the market with the worst depreciation value is Nissan. There are several reasons that contribute to this, but one of the main factors is the number of cars that manufacturer makes. Nissan sells a lot of cars each year, and many of them are sold to fleets. This causes the value to depreciate quickly. Let’s say that in October of last year you purchased a new Nissan Rogue SL from your local dealer. Currently, the retail value of that car, per NADA, is $27,800. According to my local dealer, the price for an equivalent new model of this car (2017) is $33,835.  So, that car is worth $6,035 less than it was 6 months ago. Granted, in this example, you are buying this car with no money down, and no dealer or manufacturer incentives. While this is never recommended by lenders, many people still purchase vehicles this way.  If you total your vehicle, or if your hit by another motorist and the vehicle is a total loss, the insurance company is likely only going to pay you what the car is currently worth, or even less than that. Further, car financing is becoming unstable right now. More people are getting longer loans with higher interest rates than ever before. If you financed your Rouge at a high-interest rate for a long period of time, you could owe even more. Worst of all, you could be making payments on a car you don’t even own any longer.

So, what are you to do? One of the best things you can do is get GAP insurance on your car. While GAP may not cover the entire value of the car, in my situation listed above, the GAP insurance was the difference in me paying thousands for my totaled car, and just $25. Some lenders may require you to get GAP insurance when you finance the car. In this situation, it may be possible to finance the additional cost into your loan. However, not all lenders offer GAP. Your insurance provider may offer it to you when you register your new car.

Regardless of whether it’s your insurance company or the insurance company of the individual who hit your car, you don’t have to accept the offer that is made for the property damage. Do not cash the check until you are satisfied. Be sure to get your own estimates on the value of your car, and even get repair estimates. Some companies are quick to total a car, even when it is not beyond repair.

One of the smartest things you can do is to research the car you want to buy in detail before you sign the loan paperwork. You definitely don’t want to get upside down in a car loan. Try not to finance negative equity from a previous car. This can cause a lot of issues if you quickly total your new car. Also, look at residual values and see which cars depreciate the best. This is also true if you lease a car. You will likely get a better lease term if you choose a car with a high residual value. It’s also smart to put some money down on a car and finao make smart decisions and to be aware of what you’re getting yourself into with financing. Also, research your insurance company too. If you are hurt in an accident, be sure to give us a call to learn more about the services we provide. Our toll-free number is 1-877-526-3457. If you can’t talk now, fnce for a shorter term.

Buying a new car can be a lot of fun. However, it’s important till out this form so that we can call you at a better time.

Taxes and Your Personal Injury Settlement

It’s the most wonderful time of the year. The holidays are over, spring just arrived, and a lot of us are preparing for tax season and all the pomp and circumstance that accompanies this time of year. I’m a simple fella from Parkersburg, West Virginia. It only takes me about 30 minutes to complete my tax return. As a single person with no kids, I keep my expectations low regarding returns. If I am lucky, I’ll have enough money in my refund to buy some new bedding and possibly get some new sconces for my bedroom. Not everyone has it as simple as I do. For instance, my sister once won a “Rock, Paper, Scissors Contest” sponsored by Anheuser-Busch. Yes, you read that correctly. The result of her “championship” was a free trip for two to Las Vegas for the national Rock Paper Scissor Championship Tournament. Once again, this is all real. It was on TV and everything. Between the flight, hotel, and other prizes, the trip was valued at over $4,000. Come tax time, my sister had to count this as income and pay taxes on the prize. Luckily for my sister, she didn’t have to pay too much on a $4,000 prize. However, if you are awarded something like a new car, or a fancy vacation, or really, most prizes valued over a specific amount, you must pay taxes on the prize. This is why so many people forfeit whatever base model car they win on “The Price is Right.” Recently, a friend of mine asked me if she would have to count her personal injury settlement as income the way prize winners do. I honestly didn’t know, so I thought I’d dive into this topic deeper.

I was hoping to find a simple yes or no answer when I started researching this topic. However, I realized I was dealing with both taxes and law, so I was a tad naïve to think anything would be simple. The quick answer no, you don’t have to pay income tax on your personal Injury settlement. So, you may be thinking, “are there exceptions to the rule? We’re dealing with the government, so, of course, there are exceptions.

The official statement from the IRS is as follows:

If you receive a settlement for personal physical injuries or physical sickness and did not take an itemized deduction for medical expenses related to the injury or sickness in prior years, the full amount is non-taxable. Do not include the settlement proceeds in your income.

(BUT)

If you receive a settlement for personal physical injuries or physical sickness, you must include in income that portion of the settlement that is for medical expenses you deducted in any prior year(s) to the extent the deduction(s) provided a tax benefit. If part of the proceeds is for medical expenses you paid in more than one year, you must allocate on a pro rata basis the part of the proceeds for medical expenses to each of the years you paid medical expenses. See Recoveries in Publication 525 for details on how to calculate the amount to report. The tax benefit amount should be reported as “Other Income” on line 21 of Form 1040. (read the entire IRS Publication here)

If you have received a settlement from a personal injury claim, and you’re not sure if you used any of your settlement for medical expenses, or if you just have general tax questions, it may be beneficial to consult an accountant. Keep in mind that many accountants focus on taxes just like we focus on Personal Injury Law. Another option is a step by step accounting program. Many of these pop up during tax season, and some offer live help either by text chat or video conference.

If you’d like to know more about the types of services we offer, or if you’d like to talk to someone about your personal injury claim, call us today for a FREE consultation. Our toll-free number is 1-877-526-3457. If you’re not available to chat now, fill out this form so that we may contact you at a later time.