I was driving my 16 year old daughter to school this morning.  She has her driver’s permit and is learning to drive and is very excited about it.  She told me that there was a program on Channel 1 at her high school here in Louisville that was preempted by the school.  For those of you that are not familiar with Channel 1, it is a national news program that is shown in high schools. My daughter’s school felt that the content was too graphic.  So what does a sixteen year old do if her school tells her she can’t watch a video because it is too graphic? She gets on the computer and performs a search on YouTube and was and finds the program. 

The preempted program is a community awareness ad from the United Kingdom depicting the dangers of text messaging and driving by teenagers.  I have to admit that it was very graphic.  It showed three teenage girls driving down the road while using a phone to send a text message to a friend.  They were driving and paying more attention to the phone then to the road. Their car went across the center line and struck another car head-on. The airbags deployed.  Heads hit the windshield. There was blood everywhere. As the car came to a stop it was T-boned by another car. One girl died in the lap of the driver. 

It went on to show the families in the other cars.  There was a toddler who kept asking; “Why won’t mommy and daddy wake up?” A child in a car seat was also shown motionless with eyes wide open, obviously dead.

Although it was quite graphic I disagree with the school’s decision to pull this informational video. Teenagers who are new drivers generally have no idea as to what the real dangers that driving a car entails and how text messaging behind the wheel can affect not only their life, but the lives of others.  I don’t believe that most teenagers have a true understanding of the real dangers of driving a car. My old boss at the Commonwealth attorney’s office, Ernie Jasmine used to refer to an automobile with a drunk driver behind the wheel as a 2-ton projectile with a license to kill.  I believe he would have referred to a driver who is texting in the same way. Teen drivers need to be shown that a car is a very dangerous weapon that can kill people and change their lives forever. 

Click here if you want to watch this video.  The video is graphic, but no more graphic than what we watch on the crime shows on television.  I believe all drivers should view this.  This type of public awareness ad could help make our Kentucky roads safer and help eliminate serious automobile accidents that occur almost every day due to driver inattention.

One of the worst things an accident victim can do is fake an injury or exaggerate the injuries they did receive.  Unfortunately this is a practice many do in hopes of getting a better settlement.  Because of these practices the insurance industry has long resorted to video surveillance to catch these culprits.  Some critics feel that these practices have gone too far when the insurance video tapes truly disabled people and using the videos against them. The sad part is these “scam artists” make the process a nightmare for those Kentucky accident victims that were truly injured in an auto accident.

I recently read about a case in point, Jack “Rocky” Whitten. Mr. Whitten suffers from several residual symptoms as a result of a broken neck from a fall.  He has vision problems, memory issues and is often in excruciating pain.  Mr. Whitten fortunately had purchased disability insurance ten years ago that would pay him 60 % of his salary if he ever became disabled. After his fall three doctors declared him permanently disabled and he began receiving benefits in 2003.

Last year a representative from Hartford Insurance Company visited Mr. Whitten and his wife and questioned his limitations. The claims adjuster then pulled out a video that showed Mr. Whitten getting out of a van, looking at a magazine, and eating chips and salsa.  Maybe you are reacting like I did and are saying “So what?” Shortly after this visit the Whitten’s received a letter from Hartford explaining that his benefits would be cut off based on the video and a report from a doctor hired by Hartford –who had never examined Mr. Whitten- that claimed he, was able to work based on the video. After a phone call from national television show Good Morning America Mr. Whitten’s benefits were restored. Hartford believes this claim has been handled fairly and strongly.

This process a doctor looking at records and not examining the patient is called a “Peer Review”. It is a common practice in cases and is frequently used in Kentucky car accident cases to review medical payments submitted under PIP. The medical care is often found to be unnecessary or unrelated to the car wreck by the peer review doctor. The insurance company will deny payment based on this “paper review’. This forces the accident victim to litigate their case against the car that caused the accident and their own insurance company. The process is very frustrating to those accident victims who have legitimate injuries. Many times those unrepresented by an attorney will stop treating which is detrimental to their claim and recovery.

Insurance companies have been using video surveillance tactics for years. I have seen this in Kentucky cases. I have watched videos of accident victims painting houses and dancing. In our new internet world insurance companies have also become cybersleuths. The internet has an abundance of information that is available to them by looking at Facebook, Myspace, YouTube, etc. Don’t give them  a reason to deny your claim. Be careful. As we can see from Mr. Whitten, even the most innocent action will be misinterpreted.

Kentucky is a PIP state for automobile accidents. PIP is short for Personal Injury Protection. You may also hear these benefits referred to as Basic Reparation Benefits or No-Fault Benefits. I am not going into great details hear as to how these benefits work. Here is the nut shell. You have $10,000.00 of benefits that will pay your first $10,000.00 of medical bills and or lost wages.

Those of you that know me have heard me say that this is simply not enough for most accidents. I urge everyone to I run into (just figuratively) to purchase additional benefits called Added Reparation Benefits. For a small increase in your premium you can dramatically increase the coverage that is available to you.

With all of the talk about health care reform I have been looking at what is going on north of the border in Canada. In Ontario government is making plans to reduce their medical rehabilitation benefit from $100,000.00 to $50,000.00 for non- catastrophically injured people.  This is part their no-fault benefits. While I am urging people to increase their benefits in Kentucky the Canadian government is forcing everyone to take a reduction in these benefits. This will significantly alter the quality of care victims of automobile accidents will receive.

Interestingly enough it will increase the attorney fee collected. I am sure that most Personal Injury lawyers in Ontario don’t care about this change because of this.

I ran across an interview done by Brenda Hollingsworth, an Ottawa personal injury attorney, which was a breath of fresh air. Brenda is speaking out against the decrease in medical rehabilitation benefits that will be available to seriously injured car accident victims starting in the summer of 2010. In the video, Brenda talked about how injured car accident victims will run out of their Ontario rehabilitation funds long before the ten-years they are supposed to last. The 50% reductions in benefits will have catastrophic affects on many families.  

Brenda believes this change will increase the number of lawsuits required because injured people will have to sue the drivers who hit them to ensure they can pay for physiotherapy, medication and other medical needs.

I salute Brenda for standing up for the victims of auto accidents. In Kentucky we already have a low amount of PIP benefits that is required. Do yourself a favor and call your insurance agent and raise your coverage today!

Just when you think you have heard everything you read a story about the death of a two year old that just turns your stomach. It makes you think how could this happen?

The Rasansky Law Firm out of Dallas, Texas has filed a wrongful death lawsuit on behalf of the mother of a 2-year-old girl who choked to death at The Woodbridge Day School, a northeast Dallas daycare center, one year ago. The wrongful death lawsuit alleges that the daycare worker had no first aid training and the daycare owned by Neyse and Robert Hall, knew it. According to the lawsuit, employees at the Woodbridge Day School did not notice when 2-year old Isabella Estep started choking on a small rock. The child then collapsed inside the school. Despite employees being all around the unconscious child, five to 10 minutes passed before anyone noticed something was wrong. Tragically, Isabella passed away after being transported to a local hospital.

Now here is where it gets worse. It is alleged that the owners of the daycare sold the daycare a short time after the death. This was in an effort to prevent a report to the Texas licensing board according to the lawsuit. Jeff Rasansky said. “They have not been truthful about their role in this child’s death, and they have taken steps to prevent parents of other children from ever learning about their involvement.”

This is a tragedy that sounds like it could have been prevented on several levels. Those being hiring and training. Also, what procedures were in place for monitoring a two year old? Why was the child put in an area without a care giver where he had access to small rocks?  My sympathies go out to the family. I hope they get the answers they deserve. My daughters were in day cares from the time they were infants so my wife could work. You place your trust and leave our most valued possession with them. It is very sad when a daycare does not live up to the trust you put in them.

We will follow this case as it progresses with hope of preventing this sort of tragedy from happening in Kentucky.  

Last weekend I was helping the Bon Air Neighborhood Association plant trees along the Bardstown Road Corridor between the Showcase Cinema and Hikes Lane. The purpose of this project is to raise awareness of the perils of pedestrians and bicyclists as they travel Bardstown Road.  The tree planting was in memory of a friend of the Bon Air Neighborhood Association, Jen Futrell. Jen was riding her bicycle home from work last year when she was struck by a van and killed.

While I was digging holes and planting trees there was two automobile accidents that occurred within fifty yards of me.  The first accident was a rear-end collision.  A car did not stop and plowed into the back end of another car.  The front hood was crushed and the bumper was torn off the car that was hit.  It was a hard impact.  Other than looking over and watching the cars and the police arrive, I did not pay much attention to this accident.  Everything seemed to run its course.

After at-fault car in the first accident left the scene, he pulled to the left to make a left-hand turn. He was apparently reading something while driving (which goes to a completely different point) and rear-ended another car.  Yes you heard me right, the same car that was in the first accident had just been involved in a second accident within minutes of the police leaving the accident scene.  The damage to the car in the second accident was minimal.  The impact pushed the bumper in. It then popped back out. Only a slight crack that was visible.

What grabbed my attention in this accident is that the driver of the impact vehicle got out of his car and was very animated.  The woman from the car that had been hit also got out of her car. I heard the voices get louder and louder. He was begging her not to call the police, not to call the insurance company, as there was no damage to the car.  There was a young boy in the back seat so I decided to go over to make sure everybody was okay.  I immediately noticed that the woman was visibly upset. She wanted to call the police but was afraid to. She was being intimidated by the animations of the first man. I could tell that she was scared and didn’t know what to do.

This got me thinking that many, many people do not know what to do if they are in a Kentucky automobile accident.  I advised the woman to get back into her car so that she could sit with her son, calm him down and to call the police.  The driver of the car that hit her became angry with me for getting involved. This was an obvious clue he was up to no good.  I asked him to provide his insurance card so that they could exchange information. It was at that time I noticed that he had a no insurance citation, which was obviously from the first accident.  He did not have insurance and although this was a minor accident, I  know from my experience that minor accidents have the possibility of leading to serious injuries. The woman’s boyfriend showed up and I left because I felt things were under control.

Now for the reason I am telling you this story. When you are involved in an accident there are several things that you need to remember. Failure to take these steps may make it difficult to proceed with a claim at a later time.

• Stop! The law requires anyone to stop that has been involved in an accident.  If you do not stop, you could be charged with leaving the scene of the accident, which is a criminal charge.  If possible and the accident is minor always pull over to the road get out of traffic so that you are safe.

• You should always assist anybody that is injured and call 911.  Do not move anybody that is seriously injured.

• Everyone should always report the accident.  Call the police department.  This is something that this woman almost did not do.  If she woke up the next morning with neck or back pain, it would be much more difficult to file a claim and get a satisfactory settlement.

• You should always exchange information.  You want to make sure that the other driver has insurance.  Get his driver’s license number, his address, the vehicle license plate number, make, model, year and VIN number of the car.  Do not count on the other person to give this to you as they may not give you the correct information.

• No matter how minor the accident you should see a doctor and get checked out to make sure that there are no hidden injuries.  Many times, you are so upset from the accident your adrenaline is flowing that you do not know you are hurt.  Get checked out just to make sure.  Your PIP insurance will pay for this.

• Watch what you say.  Always tell the truth but do not be too quick to assume what happened.  Just tell the facts to the police.

• If you don’t know what your options are talk to a lawyer so that he/she can advise you.

I hope these tips help.  If you need any additional information I provide a free down loadable pamphlet on what to do if you are in an automobile accident.  Alternatively, you may email me at mike@mikeschaferlaw.com and I will mail you a copy of the pamphlet. I hope you are never in a car accident and have to use this information, but if you are you will now know what to do.

This past weekend I was invited to help plant trees along Bardstown Road between the Showcase Cinema and Hikes Lane.  This invitation was extended to me by Cindie Cook of the Bon Air Neighborhood Association.  For those of you who are not familiar with Cindie she was friends with Jen Futrell. Jen was the cyclist that was struck and killed by a van while riding her bike home from work down Bardstown Road on October 3, 2008.

This was a tragic accident that has brought attention and outrage to the plight of cyclists and pedestrians.

The Bon Air Neighborhood Association, as a group is a big part of an effort to make the Bardstown Road corridor a tree-lined boulevard that is both pedestrian and bicyclist friendly.  Cindie Cook believes this would encourage people to stop and shop.  Also, there is a hope that it would bring new business to the area, especially the now vacant Showcase Cinema buildings.

I believe an area that is active and as busy as Bardstown Road could be a much safer place for pedestrians and cyclists and especially those that live in the area.  As I was planting trees along Bardstown Road, the amount of traffic was unbelievable. Cars were buzzing by with very little break. I know it is hard to judge speeds as you are standing along the side of the road, but I would guess that many of these cars were speeding. During my three hours on Bardstown Road I saw two car accidents that occurred within 75 yards of where I was working. I also became oblivious to the horns that were honked almost continuously.

There was very little way for people in the neighborhoods along this stretch of Bardstown Road to walk to the mall, to restaurants or to even to cross the street.  My hope is that the efforts of Ms. Cook and the Bonaire Neighborhood Association will make this area safer, limiting automobile accidents, pedestrian accidents and bicycle accidents. 

I learned from Cindy that Kentucky is currently seventh in the nation in pedestrian and bicycle fatalities.  There were 32 cyclists and pedestrians killed in Louisville, Jefferson County, Kentucky in 2008.  It is her hope that the tree plantings will add awareness to bikers and walkers, as well as being a tribute to her friend that was killed.  I applaud Cindy Cook for her focus on celebrating and memorializing the life of her friend and for trying to make the streets a safer place. I believe her efforts will save lives and prevent many serious accidents from occurring.

The City of Louisville has experienced bicycle accidents and pedestrian accidents that have resulted in deaths over the past year. These include the triathlete that was killed during an event at E.P.Sawyer State Park earlier this year as well as several young children who were hit while riding their bikes. All of these deaths are needless and my sympathy goes out to the families and friends. They do, however, help to show the need for more driver awareness of those they share the roads of Kentucky with. We need more Cindies in Louisville to help make our roads safer.