The Different Ways a Personal Injury Claim Can Be Resolved

So you have been hurt in an accident caused by the carelessness or negligence of another person. Do you have to file a lawsuit to get compensation for your losses? What are your options?

You Can Settle

This is actually the path that most personal injury claims take. Typically, you will retain an attorney, who may or may not file a lawsuit, but will immediately identify all potentially liable parties and contact legal counsel to initiate the process of obtaining a financial recovery. In cases where liability is clear, it may not be necessary to file a lawsuit. In other instances, that may be the only way to move toward a settlement. Once the parties come to an agreement on the terms of a settlement, that agreement is put in writing, signed by all parties, and becomes enforceable in a court of law.

Alternative Dispute Resolution

This broad term customarily encompasses both mediation and arbitration.

In mediation, a third party neutral becomes involved, working cooperatively with both parties to identify a mutually beneficial outcome. If the parties come to an agreement in mediation, they put that agreement in writing and it becomes an enforceable contract. The mediator, though, is not a judge and does not make a determination of liability, but only seeks to facilitate a resolution.

In arbitration, the parties present their case to a person or panel of individuals who have specialized knowledge or the legal and/or factual issues involved. The arbitrator(s) will make a decision regarding the outcome of the dispute, which may or may not be binding.

Litigation

The traditional legal process involves an adversarial proceeding before a judge and jury. The actual trial customarily takes up only a very small amount of time…a day or a few days, but the pre-trial period can be months or years. The court will typically order a period of time during which the parties can gather evidence, and will make many rulings in advance of trial, addressing such issues as the admissibility of certain evidence, what exhibits will be allowed, and how the jury will be instructed. In the actual trial, the plaintiff presents evidence first and the defense has an opportunity to challenge or refute any evidence or testimony given. It’s not unusual for the parties to enter into serious settlement discussions after the trial has begun.

Contact the Lawyers at Shaffer & Gaier

For a free initial consultation, contact us online, or call us in Philadelphia at 215-751-0100 or in New Jersey at 856-429-0970. You can also reach our foreclosure hotline at 855-289-1660. Evening and weekend meetings can be arranged upon request. We will travel to your home if necessary to meet with you.

2015 Super Lawyers Announcement

Shaffer and Gaier Selected as 2015 Pennsylvania SuperLawyers

Our firm is proud to announce that Michael Shaffer (PERSONAL INJURY) and Michael Gaier (BUSINESS LITIGATION) have again been selected as Super Lawyers in Pennsylvania.

We’d like to express our gratitude to our many clients that have made this achievement so professionally rewarding.

Contact the Lawyers at Shaffer & Gaier

For a free initial consultation, contact us online, or call us in Philadelphia at 215-751-0100 or in New Jersey at 856-429-0970. You can also reach our foreclosure hotline at 855-289-1660. Evening and weekend meetings can be arranged upon request. We will travel to your home if necessary to meet with you.

Medical Malpractice Lawsuits Make Hospitals Safer Study Finds

The most common medical errors are not surgical errors, labor-and-delivery errors, or drug mistakes. The medical mistakes that lead to the most medical malpractice lawsuits and payments are diagnosis mistakes.

Researchers* used the National Practitioner Data Bank, an organization that records all actions taken against health care professionals by state licensing boards, to determine that 28.6 percent of medical malpractice lawsuits are for mistaken diagnosis, delayed diagnosis, and other diagnosis errors.

Diagnostic mistakes accounted for 33.8 percent of disabilities and nearly 40 percent of deaths that led to medical malpractice payments. There were more than 100,000 payments as a result of diagnostic mistakes from 1986 to 2010. The senior author of the study, Dr. David E. Newman-Toker, who is an associate professor of neurology of Johns Hopkins, said, “This is a major health problem . . .. There’s a lot of room for improvement. You can’t get the treatment right if you don’t get the diagnosis right.”

Error relating to medical treatment and surgery were the second and third most common causes of medical payments stemming from lawsuits. Obstetric, medication, monitoring, anesthesia, and the rest accounted for 20 percent of medical malpractice lawsuit payments.

Contact Shaffer & Gaier – Medical Malpractice Attorneys, New Jersey and PA

The law firm of Shaffer & Gaier protects the rights of those who have suffered injury as a result of a medical mistake that should never have happened. To set up a free initial consultation, contact our office online or call our foreclosure hotline at 855-289-1660. Or call our office location in Philadelphia at 215-751-0100, or in New Jersey at 856-429-0970.

*BMJ Quality and Safety: International Journal of Healthcare Improvement
http://qualitysafety.bmj.com/content/early/2013/03/27/bmjqs-2012-001550.abstract

10 Mistakes Drivers Make After a Car Accident

The best time to plan how to respond after a car accident is ahead of time, when you are calm. In the immediate aftermath of an accident, you will be rattled and may have difficulty recalling the best steps to take to protect your legal rights. The following are 10 common mistakes drivers make – both immediately after a car accident and during the process of filing an accident claim with their car insurance companies.

  1. Refusing medical help at the scene of the accident
    The insurance company may later use your refusal as evidence that you were not injured as seriously as you later claim to be.
  2. Apologizing to the other driver, admitting fault, or claiming the accident was not your fault
    This one is hard for many drivers.  It is human nature to want to explain, apologize or defend oneself.  Remember, though, it is the insurance company’s responsibility to determine who was and who was not liable.  Even a simple statement like, “I’m sorry,” can be used as evidence that you admitted responsibility for the accident.
  3. Failing to file a police report
    A complete and accurate police report is a very useful piece of information during claim processing.
  4. Failing to document property damage and injuries
    Injuries will be documented via your medical records, but don’t forget to take lots of photographs of your vehicle to document the damage.
  5. Missing the deadline to file a claim with your insurance company
    All insurance companies have deadlines within which claims must be filed unless you have a very good reason to have missed the deadline.  Call your insurance company to double-check its deadline.
  6. Filling out the car insurance claim form wrong
    Be specific and detailed when you fill out the car insurance claim forms.  If you later realize you made a mistake, file an amendment as soon as possible.
  7. Demanding too much or too little compensation
    An over-the-top claim for compensation will not be well received by your insurance company.  A claim that understates damage to the vehicle and injuries will result in a claim settlement that does not fairly compensate you for actual losses.
  8. Accepting settlement before you know full extent of injuries
    If you need continuing medical treatment as a result of injuries sustained in the car accident, do not accept a settlement that is labeled in any way a “full and final” settlement.
  9. Making a recorded statement with your insurance company
    Your insurance company may tell you it needs a recorded statement before it can issue a settlement offer. This is not true. You may refuse to make a recorded statement, or you may make a recorded statement and state emphatically that your statement includes “information that you remember at the time and may not be complete.”
  10. Believing that the insurance company’s goal is fairness
    The insurance company is just that, a company.  Its goal is to offer a settlement that pays as little as possible while seeming to be fair.

The driver’s manuals of New Jersey and Pennsylvania contain additional suggestions for actions to take after a car accident:

Contact Shaffer & Gaier After a Serious Car Accident

Do you believe you are being treated unfairly by your car insurance company after a serious car accident?  To set up a free initial consultation with knowledgeable personal injury attorneys, contact our office online, call our Philadelphia office location at 215-751-0100, or call our New Jersey office at 856-429-0970.

Who Is Responsible After a Construction Site Accident?

It might seem obvious after a construction site accident – file a workers’ compensation claim and that’s it.  However, a workers’ compensation claim may not fully protect your legal right to full and fair compensation after a construction site accident.

Generally speaking, an injured worker is prohibited from filing any type of private lawsuit in addition to filing a workers’ compensation claim.  However, construction site accidents are one category of accident where that prohibition does not always hold true.

If an individual or a company other than the company that employs the injured worker was fully or partly responsible for causing the accident, then the injured worker may be able to file a private lawsuit against that person.  This legal concept is known as third-party liability.

Examples of construction site accidents in which the injured worker may have the right to file a third-party liability claim include:

  • Another subcontractor on the site fails to install proper safety and warning signs, leading to a serious trip and fall accident
  • Another subcontractor hires a worker without sufficient experience, and that worker injures another by performing sub-par work
  • A worker is seriously injured in a fall due to defective fall prevention safety equipment
  • One worker is assaulted by another worker who was hired without a basic background check, which would have revealed multiple felony convictions for violence at the workplace
  • A construction site worker is injured by a forklift driven by an operator without minimum training

If you are being asked to work on a construction site with known safety hazards, you may want to consider filing a safety complaint with the Occupational Safety and Health Administration (OSHA).

If, however, you have already been injured on a construction site, then it is highly advisable to seek advice from experienced personal injury lawyers.

Contact Shaffer & Gaier

To set up a free initial consultation with knowledgeable personal injury attorneys after a construction site accident, contact our office online, call our Philadelphia office location at 215-751-0100, or call our New Jersey office at 856-429-0970.

Can You File a Personal Injury Lawsuit Against the Government?

The answer to this question has its roots in America’s origins as a colony of Great Britain. Under a concept known as “sovereign immunity,” subjects of The Crown were prohibited from suing the king. These days, “sovereign immunity” has transformed into a law called the Federal Tort Claims Act, which essentially says you cannot sue the government unless the government says you can sue the government.

Crystal clear, right?

Most states and local governments (cities and counties, for example) have their own versions of the Federal Tort Claims Act, although the details will be different. The most important thing to know if you are injured by a government employee or while on government property is that the rules are different and you must follow the rules exactly to maintain any hope of getting compensation for your injuries.

Here are some of the most important requirements when trying to sue the federal government for an injury under the Federal Tort Claims Act:

  • You can’t go straight to court. You must first file an administrative claim with the federal agency involved. For example, if you were involved in a traffic accident with a U.S. Postal Service truck, then you must file your claim with the U.S. Postal Service. You can use Standard Form 95 to file this claim, though you don’t have to.
  • You must file your administrative claim within two years of the date your claim arose. The best strategy is to file the claim as soon as possible.
  • Your administrative claim must include enough facts about the incident to allow the federal agency to investigate your claim, and you must also state the exact amount of financial compensation you believe you should receive.
  • You can file a lawsuit against the government (assuming you meet other requirements) if the government agency rejects your claim or offers you a settlement amount you believe is unfair.

Government tort claims are a complex area of personal injury law, and it is highly advisable to retain a personal injury lawyer if you have suffered a serious injury that involves a government employee or government property.

Contact Shaffer & Gaier

If you or a loved one has suffered a personal injury, Shaffer & Gaier can help. To set up a free initial consultation, contact our office online, call our Philadelphia office location at 215-751-0100, or call our New Jersey office at 856-429-0970.

Restatement Debate’s Impact on Automobile Cases

Article from The Legal Intelligencer by Michael Shaffer – June 2013 :

Restatement Debate’s Impact Article Reprint

How Do Personal Injury Attorneys Put a Dollar Value on an Injury?

There are two types of damages in any personal injury case: compensatory damages and punitive damages. Compensatory damages, sometimes called “actual” damages, are intended to return the accident victim to the status he or she had before the accident.

Obviously, the victim of a serious accident cannot always regain everything he or she had before the accident, especially in the case of traumatic injuries like loss of limb, traumatic brain injury, severe burns or spinal cord injury. However, compensatory damages are still intended to put a dollar value on the losses suffered by the accident victim. In a personal injury lawsuit, compensatory damages are divided into economic damages and non-economic damages.

Economic damages are losses that have an actual monetary value attached to them, such as medical bills, lost wages from time off work, and repairs to or replacement or property. Non-economic damages are where the math gets tricky. The purpose of noneconomic damages is to place a dollar value on things that do not have a dollar value – such as loss of future earnings due to a debilitating injury, permanent scarring, pain and suffering, and loss of family, social or educational experiences.

It is a hard fact for many injury victims to accept, but a personal injury lawsuit will place a hard dollar value on these kinds of “priceless” losses. Usually, the math problem goes something like this:

  • medical expenses x (some number usually between 1.5 and 10) + future lost earnings = total compensation

Your personal injury attorney and the insurance company will negotiate over the number between 1.5 and 10. This is the number that indicates the seriousness of the losses. When injuries are relatively minor, the insurance company may offer a multiplier of 1.5 or 2. You and your attorney may or may not think this amounts to fair compensation. In more serious injury cases, the multiplier may be closer to 5 or – in extremely traumatic accident cases – as high as 10.

Keep in mind, the accident victim may also be entitled to punitive damages if the person who caused the accident acted willfully or with malice.

Contact Shaffer & Gaier After a Serious Accident

If you or a loved one has suffered a serious, life-changing accident, you deserve representation by knowledgeable and compassionate attorneys. To set up a free initial consultation, contact our office online, call our Philadelphia office location at 215-751-0100, or call our New Jersey office at 856-429-0970.

ATV Malfunction Causes Driver to Sustain Serious Head Injuries

Our client purchased a 2012 All Terrain Vehicle in 2012. The ATV had only 150 miles at the time of the accident.

As our client was traveling in an alleyway behind his house, the connection A-arm fractured causing him to lose control. He was thrown from the vehicle sustaining various head injuries. Our firm procured an expert that will testify that the product malfunctioned due to a metallurgical failure of the weld/bracket. Our client sustained significant head trauma, traumatic brain injury, a sub-arachnoid hemorrhage with multiple skull fractures and a left clavicle fracture.

After inspecting the vehicle and consulting with their experts, the manufacturer of the ATV has agreed to mediate this matter.

Contact Shaffer & Gaier

At our office, every prospective client receives a free initial consultation. Call us in Philadelphia at 215-751-0100 or in New Jersey at 856-429-0970, or contact us online. Evening and weekend meetings can be arranged upon request. We will meet with you in your home or at the hospital if necessary.

Lawyers Working Polling Places

November 4, 2008 was an historic day in America. No matter what your political affiliation, we can all be inspired by the record turnout and the astounding participation in the Democratic process.

The lawyers at Shaffer & Gaier were proud to be poll watchers to ensure that every person, Democrat, Republican or Independent had a clear path to the voting place. All of our attorneys, watched the polling places to ensure our citizens’ rights were not infringed upon and they could exercise their right to vote.

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