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Insurance companies love to snoop. They want to dig up all the dirt they can on you. They think that if they know everything about you, they will eventually unearth something they can use to torpedo your case.

For example, both federal and New York State law give you a right to medical privacy. Just because you are injured in an accident caused by someone else’s negligence, and you sue them, doesn’t mean you give up that right. But many insurance companies act as if this gives them a right to find out everything about your medical history. Whether my client is the victim of New York medical malpractice, a slip-and-fall case, a car accident, or other type of New York personal injury case, the insurance company lawyer will almost invariably ask me for “unrestricted” medical authorization, which, when signed by my client, will give the insurance company lawyer the right to access any and all medical records regarding any and all treatment my client may have gotten from any medical provider from the beginning of the world to the end of the world!

But New York personal injury and medical malpractice law doesn’t give them a right to such broad authorizations. They can’t snoop! They have a right only to the medical records that are relevant to the parts of the body you are claiming were injured. For example, if you are suing for a broken arm, they have a right to see all medical records, both pre-and post-accident, for treatment for that arm. They can’t find out about your C-section, or your hemorrhoids, or about that depression you were treated for years ago!

The Syracuse Post Standard reported the other day that an SUV struck a Syracuse man “on purpose” after an argument on Westcott Street Tuesday morning. Fortunately, the injuries do not appear serious; the victim suffered only cuts to his arm and leg and was taken to Upstate University Hospital.

Here’s my blog topic for today: Will a New York State car accident insurance policy cover the man’s medical expenses or anything else for that matter? Answer: No! Why not? Because this is not a New York motor vehicle “accident” case. It is a New York motor vehicle ASSAULT case. An accident is a mistake. This was no mistake. It was deliberate. No liability or car insurance on God’s earth covers for motor vehicle assaults. The reason is simple: Insurance companies don’t want people buying insurance policies so they can go out and deliberately bowl people over, and force the insurance company to pay!

Even if the victim owns his own car, his own SUM (supplemental uninsured motorist) coverage won’t cover his injuries here, again because it was an “assault”, not an “accident”. To summarize: He can forget about auto insurance coverage of any kind!

Yesterday the New York Times reported that, while drunken-driving deaths are dropping, car-accident deaths caused by drivers who have taken legally prescribed narcotics, such as painkillers, sleeping pills, anti-anxiety medications, and other potent drugs, are increasing. Unlike with alcohol, no firm studies or guidelines exist determining what blood level of these drugs impairs driving. Yet the drugs, in many cases, clearly cause driving to deteriorate. They can impair motor skills, slow reaction time, and undermine judgment. For example, anti-anxiety drugs can make a driver less alert, and slower to react. Stimulants, on the other hand, can lead to risk-taking and diminished judgment. Drivers “on drugs” (albeit legal ones) often have many of the symptoms of drunk drivers — bloodshot eyes, slurred speech, or erratic driving.

So here’s my blog topic of the day: What happens, in a New York car accident lawsuit, if the defendant driver who you claim is at fault for the car accident, was “on drugs” (albeit legally prescribed ones) at the time of the collision? Can the fact that he or she took prescription drugs before the crash be used in Court to make out your case?

Answer: Yes, of course! Most prescription drugs that can affect driving have clear indications on them that they should not be ingested before driving or using machinery. And besides, common sense dictates the same. The motorist who struck your car should have known better, and had a duty to either refrain from using the drugs or refrain from driving. So it is no excuse that the drugs taken by the driver, who, say, swerved into your lane, were “legal”.

When a client brings a potential New York legal malpractice case to me, one of the first things I do is try to calculate the statute of limitations (the last day the lawyer can be sued). I say try because this is not always easy in legal malpractice cases. And that’s what I am going to blog about today.

Here’s the easy part: The statute of limitations is always three years. Here’s the hard part: When does the three-year period start running? The legalese answer is, “when all the facts necessary to the cause of action have occurred and an injured party can obtain relief in court” (Ackerman v. Price Waterhouse, 84 N.Y. 2d 535). But what does that mean? In most cases, it is the day the lawyer made the mistake (committed malpractice), but not always. Some of the cases say that the damages due to the malpractice need to be “sufficiently calculable” for the clock to start running. But “sufficiently calculable” is not always black and white. There are grey areas. That’s why we don’t always know what a court will find to be the “accrual date” (start date) for the three-year period.

Does it matter when the client found out about the malpractice? Example: A client consults a lawyer about what he thinks is a great lawsuit, but the lawyer tells him (wrongly) that he has no case. More than three years later the client consults another attorney who says, “gee, that was a great case, but your statute of limitations on it expired about a month after you saw that first attorney. That first attorney should have filed suit for you and you would have gotten a million-dollar recovery!” Does the three-year statute of limitations bar the client from suing the first lawyer, even though the client did not know he had been malrpracticed until after the three-year period had run?

Every year I give a lecture to other New York accident and personal injury lawyers across New York State on the issue of “Municipal Liability”. Before my lecture, I review the recent case law in New York on this issue. This is a complex topic. Suing New York municipalities (its Counties, Cities, School Districts, Villages, Towns and other local governmental units) is tough to do. The government has given itself all kinds of special defenses to lawsuits for injuries it causes through its negligence and wrongdoing.

Every year when I read the new cases, I find at least one, and usually several, cases of foster parent abuse, mistreatment or neglect of a foster child. What do these cases have to do with municipal liability? Usually, the County and its Department of Social Services are sued for having negligently placed the foster child in the foster home where abuse was likely to occur, or for having failed to properly monitor or supervise the foster home.

These cases are very tough for me to read. I love children (I have five!) and feel very protective of them. This year I read the case of Adam H. v. County of Orange, where the mother of a foster child sued Orange County and its Social Services Department when her four infant children were sexually abused while in foster care. All four of them!

Today I got a call from a fellow New York personal injury lawyer in Buffalo, New York. He is representing the widow of a firefighter who died while fighting a fire. The case he is building revolves around some code violations by the homeowner and some firefighting rules not heeded by fellow firefighters. The widow is obviously furious that her husband had to die because of other people’s mistakes, and she wants justice.

The widow’s lawyer had read about a case I had won on appeal a few years ago. News of that case , Prince v Onondaga County, had spread like wildfire when I won it because, I was told, it was the first time in the nation that a Court had ruled that an emergency responder could been held liable for failure to follow the “incident command system”. The incident command system is what emergency responders, such as firefighters, are supposed to follow when they arrive to an emergency scene. The command system is headed by an “incident commander”, usually the first officer-level firefighter who arrives on the scene. All orders and information flow from the incident commander out to the various units of the firefighter team. If individual firefighters start acting on their own without following this system, it can lead to disaster. The left hand does not know what the right hand is doing. That’s what we allege happened in Prince v. Onondaga County.

Coincidentally, in both my case, and in the Buffalo case, the firefighter died after a floor, which had been compromised by the fire, gave way, causing the firefighters to drop down into the basement where they were trapped in the fire and smoke with no escape. I can hardly imagine a worse death!

What is a “Loss-of-Consortium” Claim? A loss-of-consortium claim is a claim for compensation brought by the uninjured spouse of an injured spouse against the negligent tortfeasor who caused the injury to the injured spouse.

Wew, that was a mouthful! Let me try to break that down.

Although the uninjured spouse of a New York accident victim has not suffered any “physical” injury, New York personal injury law recognizes that she or he often suffers a different kind of injury or loss, specifically, the loss of spousal “services” that the injured spouse would have continued to provide but for his or her injury. The “services” lost can include household services (cooking, cleaning, etc.), love, companionship, affection and sexual relations. Because this notion of “loss of consortium” is rooted in traditional principles of “man and wife”, it has not (yet?) been extended to cover loss-of-consortium claims by unmarried or gay couples who live together but are not married.

I recently read a blog post by a New York criminal defense attorney, Nicole Black, about a juror’s misconduct in a criminal case. The juror had sent a Facebook “friend” request to a witness while the trial was pending. (Jurors are supposed to remain absolutely objective and not communicate with any witnesses or parties during trial). The witness later testified that he had no idea who this “friend” was, and ignored the request. The Court ruled “no harm, no foul” and refused to reverse the verdict based on the misconduct.

But the story makes an important point about today’s juries. Social media, including Facebook, are a relatively new phenomena and courts, and lawyers, continue to struggle with how to deal with them. While I know that the judge will instruct the jurors that they are not to google or use social media or any outside sources too “look up” the witnesses and parties, I am convinced that many jurors disobey these orders.

That’s one reason why the New York personal injury lawyers at Michaels Bersani Kalabanka make sure our clients are aware of their “exposure” on Facebook and other social media. What would a jury think if they saw your Facebook page? Would the jury see that photo of you dancing and think it was taken AFTER your injury, when in fact it was taken before? Would the jury see that photo of you partying with your friends and draw negative inferences about you? These are serious concerns to a personal injury lawyer who wants to present his client in the best possible light to the jury.

So you say you don’t like tort lawyers, product liability lawsuits, or personal injury cases? Well, guess what? You need them, as demonstrated (once again) by the headlines in the New York Times!

The New York Times reports that, as early as the fall of 1999, SmithKline Beecham, maker of a popular diabetes medicine called “Avandia”, found out, through studies it conducted, that the drug posed significantly greater cardiac risks than other leading diabetes medicines. So what did they do about it? Let’s see how smart you are with this multiple choice test: Did SmithKline Beecham: (a) stop production of Avandia; (b) call the FDA and informed them; (c) do more studies to make sure; or (d) bury the study, tell no one, and continue to churn out huge profits on the sale of the dangerous medicine.

If you guessed “d”, you get a gold star, not only for getting the right answer, but for understanding how corporate America, with its single-minded profit-lust, works.

The Cayuga County Sheriff reports that yesterday afternoon a car crossed over into the oncoming lane of traffic and collided into a bus carrying disabled people on Route 34 in Fleming, New York (just a few miles south of the Central New York personal injury llaw office of Michaels Bersani Kalabanka, P.C., on Route 34 in Auburn, New York). A 73-year-old female passenger was killed, and 15 others were taken to hospitals. The collision flipped the bus over onto its side, causing lots of injury to the passengers.

From my years of experience as a Central New York car accident lawyer handling head-on collision cases, I know that this type of car accident, more than t-bones, or rear-end collisions, is especially terrifying. The seconds before the collision seem like an eternity because you can SO see it coming! Perhaps the bus passengers here were lucky enough to have avoided this terrifying scene. But the impact also is usually horrific; twice as bad as with any other kind of automobile collision. That’s because the combined speed of the two vehicles hurling against each other doubles the force exerted against the vehicles, and the people inside them..

Another anomoly of cross-over collisions is that the vehicles don’t usually meet exactly at center point, but rather the left sides of the front of each vehicle tend to meet. And since the left side is where the drivers are located, this makes impact even worse for the drivers. Also, the off-center impact can cause a vehicle to spin or flip, which might explain why the bus flipped in this Flemming, New York accident.

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