Toyota Attorneys and the Toyota Recall in Nevada

February 24th, 2010

Toyota Auto

Recall for Toyota one of Auto Industry's Largest Recalls Ever

Have you been affected by the Toyota Motor Recall?  Toyota’s apologies come a little late given the enormous consequences that will forever plague this troubled company.   Everyday more information is leaked about the issues of Toyota recalls and Toyota accidents, and the real problem inside the computer systems causing rapid, unexpected acceleration is still a mystery.  Often the brakes do not help overcome the forward movement.  From floor mats, to steel pedal friction issues, to accelerator module problems Toyota has a myriad of unreasonably dangerous issues.  Benson & Bingham is spearheading its own litigation for the victims of this horrible tragedy.  If you need a Toyota Attorney to fight for your rights call Benson & Bingham.

Vehicles

2005-2010 Toyota Avalon

2007-2010 Toyota Camry

2009-2010 Toyota Corolla

2008-2010 Toyota Highlander

2009-2010 Toyota Matrix

2004-2009 Toyota Prius

2005-2010 Toyota Tacoma

2007-2010 Toyota Tundra

2009-2010 Toyota VENZA

Alleged Accelerator Problems

2009-2010 Toyota RAV4

2009-2010 Toyota Corolla

2009-2010 Toyota Matrix

2005-2010 Toyota Avalon

2007-2010 Toyota Camry

2010 Toyota Highlander

2007-2010 Toyota Tundra

2008-2010 Toyota Sequoia

What to Do if your Toyota or Lexus Rapidly accelerates?

Toyota Vehicles can rapidly accelerate without depressing the gas pedal.  If your vehicle does rapidly accelerate, attempt to use the brake to overcome the forward movement, and quickly shift the vehicle into neutral.  It appears this is the only way to stop the car.  Most cars will stop with brake use, however, these cars will not as they are electronically controlled.  Don’t worry about the engine revving as the engines are electronically controlled to not over revolutionize.  Do not turn of the car or pull the keys out or you might lose the steering wheel function.  Once the vehicle drifts to a safe stop, you may take the keys out.  Remember to stay calm as smart drivers will remain calm is a stressful moment—it just may save your life!

What did Toyota Know and When Did they know?

Toyota Motors is now under the gun for what they didn’t do.   The television is blasting with new ads creating this “we are on our problem and its fixed” theme in the wake of a serious image problem created by horrific car accidents with Toyota vehicles suddenly accelerating for no apparent reason.   As if a phantom is controlling the vehicle, the cars act by themselves, and what’s worse is that the driver has no control in stopping.  This issue is by no means new to Toyota and their upper management.  Toyota USA is now defending their response to the fatal crashes indicating their recalls and fixes were appropriate.  The problem appears to have been much greater than Toyota is acknowledging.  The internal reports of accidents from dealerships and the NTSB have likely showed a trend of accidents going back many years, and they have kept this a giant secret.  To avoid the catastrophe that has emerged anyway, Toyota tried to save money by not publicly addressing the lethal problems plaguing the now recalled models.  Investigations will reveal the internal notes, tests, and history of accidents that they sat on without notifying the public of the true danger.  This nightmare is just beginning for Toyota, as it appears it did not do the right thing.  Instead, they did the wrong thing by internalizing and ignoring the public safety issue.  Corporate Criminal Charges are likely as this reckless behavior has serious legal consequences.  If you or a loved one has been affected by an out of control Toyota call the Toyota victims rights attorneys at Benson & Bingham.

Toyota Motor Testifies before Congress regarding the serious malfunctions of its products and the major recall.

Of importance is the brake pedal assembly, the computer system controlling acceleration, and the response of the company in the wake of the mounting evidence of problems including Toyota Crashes, Fatal Toyota accidents, and Toyota recall.   As of February 23, 2010, The President of Toyota will be testifying before members of Congress to address the serious issues of their products.

Search Terms:

Clark County Toyota Attorney, Nevada Personal Injury attorney, Las Vegas Toyota Attorney, Toyota Lawyer-Toyota Crash Lawyer, Toyota Crash Attorney, Nevada Toyota Lawyer, Personal injury lawyer Nevada Toyota, Lexus Personal injury lawyer, Toyota Personal injury lawyer, Las Vegas Toyota Attorney, Wrongful death Toyota lawyer

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NRS 41A.071 Affidavits of Medical Experts: A complaint must now also include and Affidavit for Medical Corporations

February 15th, 2010

Nevada’s strict rule requiring an affidavit for medical mal-practice complaints is now even stricter.  The NV Supreme court declared that expert affidavits for the mal-practice of doctors now also applies to those corporations (e.g Hospitals and their nurses) for their respective negligent conduct.   The rule simply adds harshness to the already cut-throat rule that an affidavit must be supplied to any complaint or it is automatically dismissed.  Thus, if your assistant fails to apply a staple–the case is over.  Very ridiculous, but this is medical tort reform just as the doctors wanted it.  Way to go Nevada legislature!

Fierle v. Perez, 125 Nev. Adv. Op. No. 36 (Nov 19, 2009)1 MEDICAL MALPRACTICE, PROFESSIONAL NEGLIGENCE AND NRS 41A.071’S

EXPERT AFFIDAVIT REQUIREMENT

Summary

An appeal from the First Judicial District Court’s dismissal of medical malpractice and professional negligence claims against a physician, his professional medical corporation and several staff members for failure to attach an expert affidavit to their initial complaint.

Disposition/Outcome

District court’s judgment affirmed with regards to claims that required an affidavit, reversed and remanded with regards to claim that qualified under res ipsa loquitor exceptions.

Facts and Procedural History

Patricia Fierle (“Fierle”) was diagnosed in July 2005 with breast cancer and subsequently underwent a mastectomy. To facilitate ongoing chemotherapy, a catheter was inserted into her chest, the tip of which was meant to terminate in her subclavian vein. Chemotherapy drugs were to be injected into the vein through this catheter.

After the surgery, Fierle became a patient of Dr. Perez and his staff, including Melissa Mitchell (“Mitchell”), a registered nurse, and nurse practitioners Charmaine Cruet and Linda Lesperance. On Fierle’s third visit to Dr. Perez’ office, Mitchell administered chemotherapy. However, rather than in fusing in to the catheter, the medication infused into her tissue. This caused a subcutaneous burn known as an “extravasation.” According to Fierle, her complaints of discomfort at the time were not met with any treatment or attention.

The next day, after one of Dr. Perez’ nurses noticed redness and swelling on Fierle’s chest, she was referred to a radiologist. His tests revealed that the tip of the catheter was not in the vein, but coiled in her tissue. She then sought treatment from another doctor who referred her to Dr. Miercort. His opinion was that “negligent extravasation” had occurred and he referred her to U.C. Davis Medical Center. There, she was diagnosed with “severe extravasation of chemotherapy over the right shoulder and subclavian region.”

Mr. and Mrs. Fierle filed a complaint in district court on September 14, 2006. They claimed Mitchell was negligent in her administration of chemotherapy, Dr. Perez, Cruet and Lesperance were negligent in their training of Mitchell, loss of consortium and “Willful Failure to Provide Treatment and Constructive Fraud” against Dr. Perez and his professional medical corporation Jorge Perez M.D., Ltd. They later amended their complaint to include an affidavit from Dr. Miercort.

Dr. Perez, Jorge Perez M.D., Ltd., and Mitchell moved for dismissal of the Fierles’ complaint, citing failure to include an expert affidavit with the original complaint as required by

1 By Mark HesiakNRS 41A.071.2 They also moved to strike the amended complaint, relying on Nevada precedent that said a complaint filed under NRS 41A.071 without the expert affidavit is void ab initio and shall be dismissed.3 These motions were joined by Cruet and Lesperance. The district court granted both motions, finding that the complaints did not qualify for NRS 41A.100(1)(c)’s res ipsa loquitor exception. The Fierles’ motions under NRCP 52(b), 59(e) and 60(b) were also later denied. This appeal followed.

Discussion

Standard of Review

The district court’s dismissal was based on its interpretation of statutes. The Nevada Supreme Court reviews a district court’s statutory interpretation de novo.4

NRS 41A.071 applies to professional medical corporations

Under NRS 41A.071, an action for medical or dental malpractice must be accompanied by an affidavit from a medical expert who practices a type of medicine similar to that which forms the basis of the malpractice claim.5 NRS 41A.009 contains the following definition for medical malpractice: “the failure of a physician, hospital or employee of a hospital, in rendering services, to use reasonable care, skill or knowledge ordinarily used under similar circumstances.”6 The appellants argued that no affidavit is required under these statutes in a suit against a professional medical corporation.

While the definition of medical malpractice does not explicitly include professional medical corporations, the Court held that NRS 41A.071 requires expert affidavits be attached to any non res ipsa loquitor malpractice claim against such a corporation. “Professional Corporation” is defined in NRS Chapter 89, and under NRS 89.060 and 89.220, no statute can alter the personal liability of a physician in a medical malpractice claim.7 Harmonizing Chapters 41A and 89, the Court determined that the affidavit requirement applies to claims against professional medical corporations as well as physicians.

NRS 41A.071 applies to professional negligence claims

The Fierles’ also argued that the definition of medical malpractice only covers claims against Dr. Perez’. Therefore, the claims against the other respondents would be for professional negligence and would not require an affidavit as 41A.071 only addresses malpractice claims. The Court looked to resolve the ambiguity by looking to the intent of the initiatives passed in 2004 as NRS 41A.015 and 41A.017, which provided protections for professional negligence for providers of health care.

2 NEV. REV. STAT § 41A.017 (2007). 3 Washoe Med. Ctr. v. Dist. Court, 122 Nev. 1298, 1300, 148 P.3d 790, 792 (2006). 4 Beazer Homes Nevada, Inc. v. Dist. Court, 120 Nev.575, 579, 97 P.3d 1132, 1135 (2004); Keife v. Logan, 119 Nev. 372, 374, 75 P.3d 357, 359 (2003). 5 NEV. REV. STAT § 41A.017 (2007). 6 Id. § 41A.009 (2007). 7 Id. §§ 89.060, 89.220 (2007).

First, the Court noted that the definition of professional negligence in the statute is basically the same as medical malpractice. The intent of the statute was to give other providers of health care the same protection doctors received from the legislature in 2002.8 The Court also reasoned that a malpractice claim against a doctor is the same as a professional negligence claim. To make one of these claims subject to the affidavit requirement and not the other would defeat the intent of the legislature and the citizens of Nevada. It would provide a way around the requirement by calling a claim professional negligence instead of malpractice. Therefore, NRS 41A.071’s affidavit requirement extends to non-res ipsa loquitor professional negligence claims against providers of health care, whether doctors, nurses or nurse practicioners.

Claims based on res ipsa loquitor are not subject to the affidavit requirement

NRS 41A.100 provides res ipsa loquitor exceptions to the affidavit requirement in malpractice or professional negligence claims.9 The Court found its recent decision in Szydel v. Markman conclusive on the issue at hand.10 In Szydel, the court concluded that that the expert affidavit requirement does not apply when the malpractice action is based solely on the res ipsa loquitor doctrine.11 The Syzdel court further concluded that when a plaintiff files a res ipsa loquitor claim in conjunction with other medical malpractice claims that are not based upon the res ipsa loquitor doctrine, those other claims are still subject to the expert affidavit requirements of NRS 41A.071.12

Here, the negligent extravasation claim would fall under one of the listed exceptions. If a “provider of health care” causes a patient to suffer “an unintended burn caused by heat, radiation or chemicals… in the course of medical care,” or any of the other exceptions listed in the statute, no expert testimony or affidavit is required to establish negligence.13 Therefore, the Court allowed the claim against Mitchell to continue as she administered the medication.

A claim amended to include an affidavit will not relate back to the initial filing even if some of the claims do not require the affidavit

The appellants next argued that because some of their initial complaint did not require an affidavit, the amended filing could relate back and cure the initial deficiency. Here, the court followed precedent and determined that all claims under NRS 41A.071 that do not include an affidavit are void ab initio, and must be dismissed.14 The Court applied this rule even to situations where some claims survive because of lack of an affidavit requirement.

Conclusion

The Court concluded that, because under NRS Chapter 89, the establishment of a professional entity cannot alter the personal liability of a participant, NRS 41A.071’s affidavit

8 See 2004 General Election Sample Ballot, p. 12. 9 NEV. REV. STAT § 41A.100(1)(c) (2007). 10 Szydel v. Markman, 121 Nev. 453, 117 P.3d 200 (2005). 11 Id. at 454, 117 P.3d at 201. 12 Id. at 460, 117 P.3d at 205. 13 NEV. REV. STAT § 41A.100(1)(c) (2007); see also Szydel, 121 Nev. at 454, 117 P.3d at 201. 14 Washoe Med. Ctr., 122 Nev. at 1300, 148 P.3d at 792.

requirement applies to claims against professional medical corporations as well as individuals. The Court further concluded that the requirement extends to professional negligence claims against all providers of health care, nurse practitioners, nurses and doctors alike. However, the Court concluded that any claim that falls under the res ipsa loquitor exceptions listed in NRS 41A.100 may be filed without an affidavit as no expert testimony is needed to establish negligence. Finally, the Court concluded that a complaint filed containing some claims subject to the affidavit requirement and some that do not fall under 41A.071 cannot be cured by filing an amended complaint that includes the affidavits. Thus, all claims subject to NRS 41A.071 that are filed without the affidavits are void ab initio and must be dismissed. In accordance with these conclusions, the Court reversed in part and affirmed in part the district court’s order and remanded the case for further proceedings consistent with the opinion.

Concurrence in Part, Dissent in Part (Pickering, J.)

Justice Pickering agreed with the result the majority reached, but not with its reasoning. While medical malpractice is encompassed in the term “professional negligence,” the opposite is not true. As the amendments in 2004 did not change the words “medical malpractice” in 41A.071 to “professional negligence,” the requirement should not be extended to claims of professional negligence. However, in this case, Justice Pickering found the injection to be a part of the rendering of medical services by a physician as defined in the malpractice statute, regardless of the fact that it was a nurse who physically gave the drugs. Therefore, this action would be one for medical malpractice and require an affidavit.

Justice Pickering also believes that both the nurse and the physician with the duty to supervise are subject to the res ipsa loquitor exception. The injection was given by the nurse under the doctor’s supervision, and therefore the remand should be for Dr. Perez and Mitchell for the negligent extravasation.

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Driving While Using a Cell Phone: Serious Negligence. Should We Also Punish the Employer?

February 15th, 2010



Car Accidents can be avoided if everyone uses proper care.  The problem is that we are human and we err.  Often we go beyond just making careless mistakes, but do things that personal injury attorneys love:  reckless behavior.    So what is the difference between reckless behavior and negligent?  Under definition, negligence equates to just breaching a duty owed—in essence being stupid:  day dreaming through a red light, grabbing that spilling coffee as you hit the yellow light that turned red, simply missing the big red stop sign, or playing with the radio as you crash into the rear end of the family wagon on the highway.  These are the mistakes we make as drivers.  The problem is when we do the next level of culpability: encountering a dangerous situation that you know to be dangerous, and do it anyway—that is recklessness.  This is a very fine line to adjudicate.  Is it reckless to drive a car after you have been drinking—many think so.  In fact, public policy finds that we want to discourage this behavior so much we will assign punishing damages to those persons.  Elements of punitive damages are designed to punish drivers or their employers for conduct that is “reprehensible.”

We find it reprehensible to get intoxicated and drive a deadly weapon.  We find it reprehensible to shoot a gun into a crowd thinking we will miss.  We find it reprehensible for a truck driver to do crystal methamphetamine and drive for 48 hours straight, or for airline pilot to cockpit the airplane after a few beers.  So, the question begs:  is it reprehensible to drive a vehicle using a cell phone?  We know it is dangerous.  We know it is distracting, but yet most of us do it.  Cell phones while driving cause deaths.   In California last year, the engineer on a train was “texting” on his cell phone when the train collided with another.  Reprehensible?  Yes.   What do you think?

Employers also must be careful not to condone or encourage cell phone use for its employees on the road.   The consequences are dire.

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Folks, Its Not All about Traffic Laws that Keep Nevada Driver’s Safe

January 6th, 2010

In 2009, 243 people died on Nevada roads according to the state traffic safety director–81 fewer deaths than in 2008.  Nevada State authorities attribute the lower accident related deaths to better law enforcement and more laws to enforce.   While certainly this may be the only thing that can be actually analyzed in a quantifiable measure, the drop and continued drop of deaths likely has many other factors besides new laws.   Nevada deaths peaked with 431 total deaths in 2006—up from 381 deaths in 2002—a sea saw of statistics.  The State’s rationale can’t be correct.  In all likelihood, we had more traffic laws legislated from 2002 to 2006 yet we had an increase of deaths; so how does one truly explain the numbers?  You can’t.   Here is why.

The other factors that must be considered are:  population increases/decreases, population of drivers increasing, types of cars driven from 2002 to 2009 (SUV’s, airbag equipped vehicles, etc.), the economy (causing less total drivers on the road), the number of new freeways e.g. I-215 (adding to less traffic collisions as a percentage of total cars-less risks as no center dividers and cross traffic issues), etc.  Nevada still has not implemented laws prohibiting people from texting while driving, nor have they implemented laws to stop cell phone use while driving —yet we have an increase of both of those activities, yet a drop in deaths; in addition, our speeding has increased.  Most speed limits are now 65 mph with highway speeds allowing for 75 mph in certain rural areas.  In California, the death rate dropped when they increased the speed limits in 1998 when compared to 2002 when they calculated an increase from 55 to 65 mph with more drivers on the road—confused?  You should be.  What is really saving lives?  More laws?  Not likely.  Who really knows except to think car safety has improved dramatically—and a little luck.  Perhaps we are just luckier this year.   If next year traffic deaths increase what will we say caused it?

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Punitive Damage Awards Are not Limited by Nevada’s Statutes in Certain Personal Injury Cases

January 4th, 2010

The Nevada Legislature has capped damages from Punitive damage awards limiting it to three times the amount of general damages per NRS 42.005. $300,000 cap for small verdicts (< $100K) and three times the verdict for those over $100K.  These do not, however, apply to Product’s Liability cases, nor insurance bad faith cases.   These are the most common cases a personal injury lawyer will  deal with, except perhaps the DUI driver Defendant where the conduct is so reckless it may amount to crossing the line of intentional conduct.

Given this, the only cap on product’s liability (e.g. Ford Motor, or Tire cases where there was malice or knowledge of the defect and a jury feels compelled to punish the manufacturer) is the Governing Cap developed by our very own US Supreme Court.  The US Supreme Court in a landmark decision BMW vs. Gore  outlined specific notions of fairness in a platform analysis for State Judges.  The platform looks at the following two prongs:  Reprehensibility & Ratio.  How bad was the conduct?  Did the malicious conduct affect safety? = Reprehensible Conduct and Ratio:  Are the two verdicts Compensatory and Punitive Damage awards have a common ratio so as to not deprive one of due process of law…property.  The guideline was basically a 10:1 ratio that they could not exceed when awarding a punitive damages awards.  Since this decision the Court has further narrowed the guidelines in decisions that we will not address here, but the point is clear that the Nevada Legislature has designed the guidelines for Product manufacturer’s to product safe products and do it with some integrity.   Below is the statute on Punitive damage guidelines for Nevada Cases:

NRS 42.005  Exemplary and punitive damages: In general; limitations on amount of award; determination in subsequent proceeding.

1.  Except as otherwise provided in NRS 42.007, in an action for the breach of an obligation not arising from contract, where it is proven by clear and convincing evidence that the defendant has been guilty of oppression, fraud or malice, express or implied, the plaintiff, in addition to the compensatory damages, may recover damages for the sake of example and by way of punishing the defendant. Except as otherwise provided in this section or by specific statute, an award of exemplary or punitive damages made pursuant to this section may not exceed:

(a) Three times the amount of compensatory damages awarded to the plaintiff if the amount of compensatory damages is $100,000 or more; or

(b) Three hundred thousand dollars if the amount of compensatory damages awarded to the plaintiff is less than $100,000.

2.  The limitations on the amount of an award of exemplary or punitive damages prescribed in subsection 1 do not apply to an action brought against:

(a) A manufacturer, distributor or seller of a defective product;

(b) An insurer who acts in bad faith regarding its obligations to provide insurance coverage;

(c) A person for violating a state or federal law prohibiting discriminatory housing practices, if the law provides for a remedy of exemplary or punitive damages in excess of the limitations prescribed in subsection 1;

(d) A person for damages or an injury caused by the emission, disposal or spilling of a toxic, radioactive or hazardous material or waste; or

(e) A person for defamation.

3.  If punitive damages are claimed pursuant to this section, the trier of fact shall make a finding of whether such damages will be assessed. If such damages are to be assessed, a subsequent proceeding must be conducted before the same trier of fact to determine the amount of such damages to be assessed. The trier of fact shall make a finding of the amount to be assessed according to the provisions of this section. The findings required by this section, if made by a jury, must be made by special verdict along with any other required findings. The jury must not be instructed, or otherwise advised, of the limitations on the amount of an award of punitive damages prescribed in subsection 1.

4.  Evidence of the financial condition of the defendant is not admissible for the purpose of determining the amount of punitive damages to be assessed until the commencement of the subsequent proceeding to determine the amount of exemplary or punitive damages to be assessed.

5.  For the purposes of an action brought against an insurance company.

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Personal Injury Resolution: Mediation vs. Compromization

December 25th, 2009

For Las Vegas personal injury lawyers and their counterparts, mediation has become a very useful tool in the world of ADR or alternate dispute resolution.  Both sides voluntarily sit down and discuss the options of the case with a neutral 3rd party mediator.  The mediator’s job is to review the case and point out to both sides the opposing arguments to access the risk at trial.  Hopefully, this insight will encourage both to give more (the Defendant to up the money) and the (Plaintiff to lower the money) with hopes of settlement.

Mediation often occurs before a jury trial as a way of final resolution and to avoid not only trial, but also appeals.  Mediations are excellent for personal injury attorneys who may have client control issues; they are also excellent for most cases.  This article is to bring to light the real issue of compromising a claim that occurs in these realms when sometimes that case should be tried in front of a jury.  Major settlements are rarely reached in mediation except perhaps in the appellate mediation arena where a high verdict has already been adjudicated and a negotiating threshold achieved.

Compromization, as this author has termed it, may in fact be a compromise given the right set of facts when everything is considered.  Why should an injured party (if the facts are good), settle without a jury trial?  Often they shouldn’t.  Multi-million dollar verdicts must be earned—the mediated settlement of such a large sum, makes no sense in basic theory.  Why would a Corporate Defendant settle for a large amount without making the other side at least earn it?  Don’t compromise your case, Call Benson & Bingham for a no cost case evaluation.

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Attorney Fee Cap Amendment Fails: Good News for Victims

December 6th, 2009

The John Ensign Amendment Fails!  Sunday, December 06, 2009  The Ensign Amendment, which would have capped attorneys’ fees in medical malpractice cases, failed by a vote of 66-32.   It is hard to believe that a person representing Nevada would be so quick to jump on the bandwagon in favor of high priced medicine instead of helping innocent and helpless medical malpractice victims.  Some people might think (at first glance) this amendment would help give more to the victims as the fees are capped.  What people don’t understand is that essentially this would have been not only hard, but nearly impossible to find an attorney willing to take on such cases.

Why would an attorney want to risk a huge investment just in litigation costs for a meager award of attorney fees–they won’t.   If you are an injured medical malpractice victim, go try and find an attorney now in Nevada–we currently have caps of 15% attorney fees over $500,000 and the victim is capped at $350,000 for non-economic damages;  plain and simple, this is already a problem… just imagine what Ensign’s bill would have done.

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Supreme Court: FORD MUST PAY IN ROLLOVER CASE

November 30th, 2009

Court won’t disturb $82.6M award in SUV rollover

Supreme Court rebuffs Ford appeal of $82.6 million award to woman paralyzed in SUV rollover

  • On 10:22 am EST, Monday November 30, 2009

WASHINGTON (AP) — The Supreme Court has left in place an $82.6 million award to a woman who was paralyzed after her Ford Explorer rolled over.

The justices on Monday rejected Ford Motor Co.’s challenge to the portion of the award, $55 million, that was intended as punitive damages. Ford argued that it should not be punished because its design of the vehicle met federal safety standards.

A California state appeals court earlier rejected Ford’s contention and upheld the award to Benetta Buell-Wilson.

She was driving on an interstate east of San Diego in January 2002 when she swerved to avoid a metal object and lost control of her 1997 Explorer, which rolled 4 1/2 times. The mother of two was paralyzed from the waist down when the roof collapsed on her neck, severing her spine.

A jury initially awarded Buell-Wilson $369 million, including $246 million in punitive damages but courts twice cut the size of the award. The jury concluded that Ford knew the Explorer had design defects that made it prone to rollovers in emergency maneuvers and the collapse of its roof.

The case is Ford v. Buell-Wilson, 09-297.

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Drinking and Driving Accidents Increase During the Holidays

November 29th, 2009

As this wonderful time of the year approaches alcohol related accidents increase. Part and parcel to holiday gathering is social drinking. Unfortunately just a few drinks can change an individuals ability to make good decisions. Pursuant to Nevada Statute an individual may not operate a motor vehicle upon which the public has access when their blood alcohol level is 0.08 or greater. In most individuals this equates to two beers consumed within one hour. While an individuals blood alcohol level may not exceed 0.08, just a few beers may impact an individuals perception and reaction time. This error in judgement often results in substantial bodily harm and/or death when vehicles collide.

Following a few simple guidelines can ensure you and your family make it home safely this season. As a general rule of thumb, if you know you are going to be out drinking, be sure and have a designated driver. In the alternative, program a taxi cab companies telephone number in your phone with the intention of using that number before you leave your home. Most people leave their social gathering unsure weather or not they are they are safe to drive. While it is always best to play it safe, here is the general rule:

For every alcoholic beverage consumed, it takes an hour for the beverage to leave your body. For example: If the average individual consumes 4 beers in 2 hours, it will take 4 hours before the alcohol leaves their body. However, the effects of consumption may still be present.

Play it smart this year and make good decisions when it comes to getting behind the wheel. Waking up in the hospital or in jail is no way to spend your season. From all of us at Benson & Bingham we wish you a safe and Happy Holiday.

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Motorcycles and Medical Payments Coverage in NV

November 15th, 2009

When purchasing insurance coverage for your motorcycle ALL riders are encouraged to purchase Medical Payments. Further, each rider should purchase the maximum limits for which their insurance company offers. Most insurance companies limit Med Pay coverage to twenty-five thousand dollars ($25,000.00) for motorcycles. Many riders are not familiar with medical payments coverage and how such coverage benefits them in the event of and accident. However, the concept of Med Pay Coverage is simple. If you are involved in a motorcycle accident and have Med Pay Coverage of ten thousand dollars ($10,000.00) then your insurance carrier will pay up to ten thousand dollars ($10,000.00) of your medical bills related to the accident. Even if you have health insurance, most health insurance policies require the insured to make co-payments.

To pay these co-payments you can have your Med Pay provider (Auto Policy) directly send you the ten thousand dollars ($10,000.00) to pay your co-payment. Further if you do not have health insurance, again your Med Pay policy will pay up to your limits. More importantly, Medical Payments coverage is a “no-fault” policy. Thus when coverage is triggered, your insurance carrier cannot raise you rates or drop you from coverage. In the event of a single vehicle motorcycle accident the insured is still covered. So next time you talk to your motorcycle insurance agent ask about Medical Payments Coverage.

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