States

June 26, 2012

Insurance Law: Fortuity Revisited

In my insurance law class, I talk in Chapter 2 about the idea of fortunity. It is mostly a theoretical concept. Insurance is intended to provide protection against unknown events that occur in the future. So obviously, the law and common sense dictate that when you buy car insurance after a car accident, the “loss in progress” doctrine will bar coverage.

In Schwartz Manes Ruby & Slovin, L.P.A. v. Monitor Liability Managers, LLC, the 6th Circuit looked at whether or not the insured reasonably could have foreseen that a claim would be made prior to the signing of an insurance policy.

The case involved legal malpractice coverage. The law firm – an Ohio firm – clearly screwed up in defending a lawsuit. The client fired the firm. The new firm asked why the firm failed to appear at the trial, particularly since its file contained a notice for the trial. The law firm did one smart thing: they put their agent on notice who apparently told no one. Then, a new policy of legal malpractice insurance was issued.

The malpractice insurer disclaimed coverage becasue prior to its policy’s inception, the law firm knew it had a motza ball of a potential lawsuit hanging out there.

April 17, 2012

Man Sues Hospital For Circumcising Him

by Ronald V. Miller, Jr.

A 28-year-old prison inmate is suing the hospital that circumcised him as a newborn. The reason? He is claiming the procedure has robbed him of his sexual prowess.

He is alleging that the doctor misled his mother into thinking that the circumcision was a necessary medical procedure. He is arguing that it was unnecessary, unethical and without medical benefit.

What’s even more odd is what he is asking for as compensation. In addition to $1,000 in compensatory and punitive damages, he is asking that his foreskin be restored “in the hopes I could feel whole again,” though he acknowledges that he doesn’t expects the “restoration” to be anything more than aesthetic.

March 22, 2012

Fatal School Bus Accident Prompts Suit Involving Seatbelts

by Ronald V. Miller, Jr.

A fatal school bus accident last week has prompted a lawsuit alleging unsafe conditions for the bus’ lack of seatbelts.

The details here are sad. The 60 year old school bus driver and a five-year-old little girl were killed in the crash. The bus, which struck a bridge, was carrying approximately 50 children, ages 5-16.

A suit has now been filed by the family of three of the injured children, with injuries ranging from a broken leg to claims of post-traumatic stress. The suit claims that the bus company failed to inspect the school bus for defective and unsafe conditions, including the lack of seatbelts, though a state police investigation determined that the bus was in fine working condition. The suit further alleges that the company failed to “discover, determine, and /or monitor the health conditions” of the school bus driver, though an autopsy revealed no signs of a medical condition that may have caused the driver to strike the bridge.

This is obviously only one of many more suits to come. The accidental death of anyone, especially a child, prompts frustration and anger, but I’m not sure how the unsafe claim for the bus’ lack of seatbelts will play out.

March 12, 2012

Biblical References at Trial

by Ronald V. Miller, Jr.

The Court of Appeals of Georgia, Georgia’s intermediate appellate court, wrote about a topic I touched on two years ago. In an extremely short opinion, this Georgia court was faced with the question of how far lawyers can go in referencing biblical passages in the Bible or other religious texts.

Powell v. State

The Defendant in Powell v. State appealed his conviction for aggravated assault.The evidence presented at trial showed that Powell was present during a fight between the victim and Powell’s brother-in-law. Powell had gone to the victim’s house to confront the victim’s wife about alleged theft from his sister. After the altercation ended, Powell shot the victim in the shoulder.

December 8, 2011

More Medicaid Fraud

by Ronald V. Miller, Jr.

Another day another Medicaid fraud settlement. In this one, Shield Healthcare, a California medical supplier, paid $5 million to settle a whistle-blower lawsuit that alleged that Shield submitting inflated bills to California’s Medicaid program. The suit claimed that the company submitted false claims and evaded the regulation’s upper billing limit. (I’d be curious how they did that. You have to admire the scope of the evil).

In a related story, California is going bankrupt.

October 17, 2011

Alabama man awarded $1.5 million for electrical shock

by Ronald V. Miller, Jr.

An Alabama jury awarded $1.5 million to a man shocked by low-hanging power lines. The Plaintiff was paving a road in Alabama when his vehicle struck Black Warrior Electric power lines, sending 7,600 volts of electricity through his right arm.

Suffice to say, that is a lot of electricity, although voltage alone is cause for injury, it is the voltage multiplied by the current. Obviously, his insulation in the vehicle would be important. Still, it has to affect a jury to learn that the guy got shocked by an amount of voltage that is substantially less than the voltage given in the electric chair (about 2000 volts).

Plaintiff’s successfully argued at trial that this accident would not have happened if the power company had complied with national codes require that power lines that carry that amount of voltage be placed a certain height above the ground. The jury apparently agreed.

September 8, 2011

Tort Reform in Pennsylvania: More Proposed Anti-Victim Legislation

by Ronald V. Miller, Jr.

Max Kennerly writes about a lot of new bills being proposed in Pennsylvania. Any legislature can propose a bill and there is always someone in every legislature – on both sides of the aisle – who likes to put out radical bills so they can brag to their constituents about how crazy they are. Still, these proposed bills do not give you a warm fuzzy feeling about the political climate right now for injury victims.

Ultimately, I think the problem is that people want jobs or more stability in their jobs and that fear distracts them from thinking about the unlikely possibility that they will be seriously injured and want to be compensated for those injuries. Politicians love blaming personal injury lawyers because they are an easy target. Often, the people throwing the punches don’t really feel like oppressing tort victims is going to solve anything but they can’t resist grabbing the low hanging fruit of blaming lawyers. To make matters worse, we have a minority of personal injury lawyers who are more than willing to live up to the stereotype.

August 29, 2011

Indiana Personal Injury Verdict Statistics

by Ronald V. Miller, Jr.

Jury Verdict Research has come out with some new data that underscores how hard it is to rely on verdict statistics in a particular jurisdiction to prove how that venue values cases.

JVR found that the median compensatory award for personal injury trials in Indiana is $25,036 and injured plaintiffs recover damages in 57 percent of cases that go to verdict. This is different – in opposite ways – from the national data. The national median is approximately $40,000 and the nationwide plaintiff recovery probability is 9% less. To be sure, the differences are statistically significant. Are we to believe that juries in Indiana are trusting people who take plaintiffs at their word but just don’t think their claims are worth as much? (Actually, this is possible when you think about it.)
But the statistics get even crazier. Indiana awards twice as much for head injuries ($30,000 v. $15,000) as the rest of the country, but then awards only half of the national median for shoulder injuries ($25,000 v. $49,418). It makes no sense, really.

July 26, 2011

Aluminum Bat Wrongful Death Verdict Affirmed

by Ronald V. Miller, Jr.

The Montana Supreme Court affirmed an $850,000 award to the parents of a baseball player who tragically died after being struck by a ball hit with an aluminum baseball bat.

If your kids are playing baseball – particularly if they are pitching – you have thought about these facts. An 18-year-old boy is pitching in an American Legion baseball game and gets hit in the head. Just an awful case that makes you question whether or not your kids should be playing any sport. There is no completely safe game.

May 13, 2011

$459 Million Junk Fax Verdict Reversed

by Ronald V. Miller, Jr.

The Georgia Court of Appeals has tossed a $459 million junk fax verdict on Wednesday, finding that the trial judge erred in concluding that the defendant sent 306,000 unsolicited fax advertisements because plaintiffs did not prove the faxes had been received.

Wow, $459 million for faxes? Juries are crazy. Well, actually, this was a bench trial but let’s not ruin the tort reformers narrative. I’m sure all the tort reform folks will pretend that (1) a jury decided this, (2) this was a tort action, and (3) there is a chance this is a collectible verdict against a siding, window, and gutter installation company that was in business between 2002 to 2004.

But, look, I think these junk faxes lawsuits are a little ridiculous myself. The idea of plaintiffs – or frankly their lawyers – getting money because they got a junk fax just seems ridiculous to me. I realize there is an economic burden associated with junk faxes and these claims might not be as petty in the macro picture as their are in the micro-picture. But on some human level, it is a fax, it is a cold call, let’s not get so worked up about nothing.