Landau Injury Law

Businesses could save between $114,000 and $670,000 per claim by settling lawsuits early rather than mounting an extensive defense, a study of personal injury settlements has found. According to the study, which analyzed court settlements of personal injury and defective product injury cases against companies between 1988 and 2004 in Texas and Florida, early settlement offers reduce legal fees and non-economic damages.  Doug Landau resolved several Florida cases for clients in the last year, and notes that there is a trend toward defense lawyers billing for depositions, written discovery, protracted motions and expert retention before there is any serious discussion of settlement.  Especially with the downturn in the economy, the insurance carriers are holding on to their reserves until the last possible moment. The of business cost savings study was published in the Columbia Business Law Review.  Sheri Qualters, Law.com  06/09/2008 also at: Law.com

I can tell you this, it’s not because I like to read insurance policies !The reason I ask for copies of MY OWN CLIENT’S Insurance policies is so that I can see what coverage is available in case the driver who crashed into them has no insurance (or very low limits of liability coverage).  The insurance policies on other cars and vehicles in my client’s household are also important.  There may be additional insurance protection from a spouse, parent or other relative’s insurance.  In those cases where the Defendant driver has no car insurance, the insurance my clients and their families may have is critical.  It may enable my clients to get full or more complete compensation.  The insurance company pays the judgement and then can pursue the negligent defendant for their money in what is known as a “subrogation claim.”  So, that is why I ask to look at ALL the insurance policies to see what coverages may be available to help pay for what has been broken, repair what needs to be fixed and provide resources for healing and care.

No.  Not necessarily.  The manager on duty may simply be offering to pay you out of the store’s “MedPay” insurance, which pays regardless of fault.  It is usually limited in amount ($500, $1,000 or even $5,000). Premises Liability MedPay checks are not an indication of fault or negligence.  They do not prove anything, and would not normally come into evidence at trial.  They are great “P.R.” for the store, and stave off many potential lawsuits.  There are cases where the insurance company paid $50,000 in medpay benefits but denied liability (or fault) for causing the accident.  So, if you are injured in an accident, and you receive money from a medpay policy, do not be duped into believing that the insurance company has accepted full responsibility or is admitting fault for purposes of a lawsuit.  It is simply insurance coverage for medical bills, for injuries incurred on the premises, generally limited to those arising within the first year, up to the modest limit purchased by the property owner or operator.  There is usually no requirement that a landlord or owner have this coverage, nor is there a rule requiring a minimum amount.  

Not necessarily.  If you have your own auto coverage, or are covered under another member of your household’s policy, you may have “UNinsured Motorist” coverage.  This type of insurance is generally mandatory for Virginia drivers.  This insurance may enable you to collect against your own insurance policy.  Your insurance company can then go against the negligent Defendant to try and recover its money in a “subrogation action.”  SO, just because you may have been hit and injured by a deadbeat with no insurance, do not dispair, there may still be other coverage available to help you and your family to recover from your injuries.  At ABRAMS LANDAU, Ltd., we review our own clients’ insurance contracts in order to find coverages and protections that can assist them after a car crash.

The Associated Press reported on 5/22/08 that Medtronic will be settling the Justice Department’s fraud case against it for $75 million. The case stems from allegations that spinal catheter maker Kyphon fraudulently caused hospitals to file inflated reimbursement claims with Medicare for back surgery known as kyphoplasty. Kyphon was acquired in November of 2007 by Medtronic.

Kyphoplasty is a minimally invasive spinal surgery procedure used to treat vertebral compression fractures (VCFs). A VCF is a fracture in the body of a vertebra, which causes it to collapse. Kyphoplasty involves the use of a device called a balloon tamp to restore the height and shape of the vertebral body, which is the bone that comprises the back and spinal column. This is followed by insertion of bone cement to strengthen the vertebra. The operation on the injured person’s back and spine is performed (more…)

The law firm of ABRAMS LANDAU, Ltd. has been apprised of another instance of an insurance defense lawyer misidentifying himself to a client’s treating doctor in order to get information that may be confidential, private and/or irrelevant to the case.   While there are ethical rules governing lawyer conduct, Doug Landau has seen the Virginia Workers Compensation Commission’s reluctance to take forceful action in the face of dishonorable conduct.  In a recent case, a doctor advised our office that a lawyer identified himself as being the “lawyer for the case,” and the lawyer for the injured worker.   Both of these assertions were false.  After the doctor mentioned some things and answered questions, the other lawyer lowered the boom.  We have even seen insurance defense lawyers cross state boundaries in order to interrogate the claimant and their spouse’s family doctor by this same stratagem.

So, be forewarned.  Tell your doctor WHO YOUR LAWYER IS, and that they do NOT have your permission to talk with anyone else.  If the insurance company, their nurse, lawyer, case manager, adjuster, etc., have questions, they can put them in writing, so that everyone can see.  Doing things “behind closed doors,” or “behind everyone’s backs,” (especially the patient’s), does no good for the medical care or the case.  If you are a client of ABRAMS LANDAU, Ltd., PLEASE TELL YOUR DOCTOR TODAY.  They do not have to speak to anyone from the other side outside of your presence, and you should not give them permission to do so.  If you have questions on how to deal with the sharp practices of insurance defense counsel, the carrier’s nurses or TPA’s claims adjusters, please call us at ABRAMS LANDAU today.

In 2007, Doug Landau and the trial team at ABRAMS LANDAU, Ltd. declined several dog attack cases. Examples of such cases include:

Example A: A child was bitten on the cheek by a dog in the Roanoke Valley. The homeowners had specifically signed an insurance policy that forbade (more…)

ABRAMS LANDAU clients with severe disability or brain injury are often appointed a Guardian ad Litem In a court of law, Guardian Ad Litem literally means, “guardian for the suit.” Actually, Doug Landau was a Classics Minor in college and studied Latin for a number of years. He likens the phrase to mean “a Guardian who takes you to the shore.” The Herndon Reston brain injury lawyer notes that a Guardian Ad Litem has been appointed for mentally disabled clients, children in “infant settlement” cases and clients with brain injuries or who are in comas and cannot assist in their own cases or manage their own finances. For a client on life support at INOVA Fairfax Hospital, a Guardian was appointed to look out for her interests and to bring the lawsuit in his name.

A guardian ad litem in Virginia is an attorney (more…)

In a word, “yes.”  In Virginia, it is permissable to “stack” medpay insurance benefits.  In other words, if there are seveal cars in your  household, and you are involved in a terrible crash and injure your head or break your leg, you may be able to collect not only the medpay insurance benefits on your car, but your spouse and son or daughter’s as well.  In one case Doug Landau handled for a young girl from Kinsale Virginiaa, he “stacked” 4 different medpay policies together to collect $16,000.00 before he ever filed the liability (negligence) claim !Herndon Reston area injury lawyer Landau collected the $1,000 medpay policy on the car in which his innocent teenage client was a passenger.  She was riding with a friend when the Defendant Driver crashed into another car in Warsaw, Virginia.  Injury and disability lawyer Landau also collected under 3 separate policies from his young client’s family’s household.  Her mother, father and grandfather all lived with her, had their own automobiles, and had $5,000 each in medpay coverage.  Landau later settled her negligence claim with a lump sum and  structured settlement that paid the young woman a tax-free, guaranteed income over a number of years.  

The short answer is “yes,”  you can collect medpay if you are injured at a store, office building or home.  Medpay is short for “Medical Payments” insurance, which generally covers medical bills incurred, by someone legally on the property, who is hurt, up to the limit of the insurance.  So, if a client slips, falls, and cracks his skull because the Defendant Store had a leaky roof that dripped water for years and froze in the winter, the client could collect on the medpay insurance.  If the store had a $5,000 medpay policy, he could collect those funds, generally for bills that were reasonable, related to this accident and not the product of over treatment.  Usually such medpay (or “no fault” policies) require that payments be made only for medical bills incurred within a year of the accident.  This type of policy comes in very handy for clients who have no health insurance.  It is also great “Public Relations” for the store and saves them from many lawsuits.  The managers on duty typically run up and say, “It’s OK, we’ll pay for your medical care.”  They do not say, however, that there are monetary and time limits.  Private homes and officve buildings can also have “medpay coverage.”  So if you, or someone you know is injured due to a dangerous or defective building, store or home, please call us at ABRAMS LANDAU, Ltd.  We can investigate not only the liability claim to determine fault but there may also be medpay or other “no fault” type coverages available to help get you back on the road to recovery.