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I was hit by a car in a parking lot causing serious injuries, who will pay my medical bills?

May 17, 2016 by Howard Slusky Leave a Comment

Michigan law requires that your car insurance company pay your wage losses and medical bills resulting from your injuries. Other economic losses may also include follow up treatments, therapy and medications. There are three common ways to get your medical bills paid when you are hit by a car as a pedestrian or if you are in a car accident.

  1. If you have car insurance, you should immediately file a claim with your insurance carrier. They are legally responsible to pay your medical bills, prescription costs, mileage, nursing, wage loss and household assistance for cooking, cleaning and yardwork. At Slusky and Walt, we can help you with this process. Contact us for answers to your common questions. For Example:

How do I know if my insurance company will pay what they should?

What about compensation for pain and suffering?

How long should this process take?

  1. If you do not have car insurance and a family member who lives in your household has car insurance, you will be covered under their policy and a claim with that insurance company should be filed immediately after the accident. We can help if you cannot collect the benefits that you deserve. Typical questions you might have are:

The insurance company is giving me the run around, what should I do?

How do I find out the amount of money I can collect in wage losses?

Between my health insurance and car insurance, who will pay what?

  1. If you or any family member does not have car insurance, you must file a claim with the insurance company of the car that hit you. At Slusky and Walt, we can assist you in filling that claim.

I am having trouble collecting, how do I collect from the insurance company?

How bad do my injuries have to be to sue the driver at fault for my pain and suffering?

How long can I collect my wage losses after the accident?

 

At Slusky and Walt, we are injury experts and can help you through the often confusing process of dealing with the insurance company. Call us so we can help answer your questions.

1-800 ABE-HELPS or 1-800-223-4357.

Are Trucks Required by Federal Law to Carry Insurance?

November 13, 2014 by Howard Slusky Leave a Comment

Are Trucks Required by Federal Law to Carry Insurance?

Despite the inherent danger they pose to others on the roadway, tractor-trailers and other large trucks are a common site on America’s roadways. The reason for this is simple – we have yet to find a more efficient method to move cargo from point A to point B in the United States. Fortunately, these mammoths of the roadway are heavily regulated by the federal government. For example, tractor-trailers and other large trucks are required by federal law to carry insurance. If you are ever injured in a Michigan trucking accident in which the truck was at fault you should (at least) be able to count on the defendant having adequate insurance coverage to cover your damages.

Injuries caused in a trucking accident are frequently severe, even fatal. The laws of physics tell us that the average passenger vehicle weighing in around 4,000 pounds does not stand a chance against a fully loaded semi-truck weighing 80,000 pounds. With this in mind, the U.S. federal government requires large trucks to carry sufficient liability insurance to adequately compensate most victims should a truck cause, or contribute to, a collision.

Title 49, Section 387 of the United States Code of Federal Regulations is where most federal insurance requirements can be found. Trucks weighing over 10,000 and carrying non-hazardous cargo are required to maintain a liability insurance policy with a minimum limit of $750,000 for injuries to people and/or property. Trucks with a gross weight of under 10,000 pounds and carrying non-hazardous cargo must carry at least $300,000 in liability insurance at all times.

If the truck is carrying hazardous cargo the insurance requirements increase. A tractor-trailer hauling hazmat is required to carry at least $1 million in liability insurance and potentially as high as $5 million. Trucks under 10,000 pounds carrying hazardous materials are also required to have at least $5 million in liability insurance.

Clearly, no amount of compensation is worth the injuries that all too often occur in a trucking accident; however, it is reassuring to know that if you, or a loved one, are injured in a Michigan trucking accident, compensation should be available if the truck was at fault.

If you have been injured in a Michigan trucking accident you may be entitled to compensation for your injuries. Contact the experienced Michigan trucking accident attorneys at Slusky and Walt, the American Benefit Experts, by calling 1-800-ABE-HELPS (1-800-223-4357) today to schedule your free consultation.

What Is The Deadline for Filing a Personal Injury or Wrongful Death Case after a Truck Accident in Michigan?

November 11, 2014 by John Walt Leave a Comment

What Is The Deadline for Filing a Personal Injury or Wrongful Death Case after a Truck Accident in Michigan?

The victim of a motor vehicle accident often suffers serious physical and emotional injuries as a result of the collision. When a collision involves a tractor-trailer or other large truck the risk of severe, even fatal, injuries is increased dramatically because of the sheer size and weight of the truck. If you have been injured in a Michigan trucking accident, or are the surviving family member of someone killed in a trucking accident, you could be entitled to compensation for your injuries. One important question that must be answered though is “ What is the deadline for filing a personal injury or wrongful death case after a truck accident in Michigan? ”

Fortunately, the law does allow the victim of a trucking accident to pursue compensation from an at-fault party in the State of Michigan; however, the law also limits the amount of time a victim has to pursue that compensation. Known as a “statute of limitations”, or SOL, these laws are intended to create a fair system of compensation for victims of personal injury accidents. Limiting the time a victim has to litigate a claim of negligence ensures that a defendant has a fair chance to defend the claims made against the defendant. When an extensive amount of time has passed since the alleged accident it becomes virtually impossible for a defendant to locate evidence and/or witnesses that can be used to defend the claims. Therefore, the law limits the timeframe within which a personal injury accident or wrongful death claim can be brought in the State of Michigan.

The statute of limitations in Michigan for most personal injury accident claims, including trucking accident claims, is three years. This means that if you fail to file a lawsuit in the appropriate civil court within three years from the date of the accident you will likely be forever barred from filing the lawsuit. The SOL for wrongful death arising from a trucking accident is also three years in the State of Michigan. Your lawsuit does not need to be resolved within the three year SOL period but it must be filed to protect your right to compensation.

If you have been injured in a Michigan trucking accident you may be entitled to compensation for your injuries. Contact the experienced Michigan trucking accident attorneys at Slusky and Walt, the American Benefit Experts, by calling 1-800-ABE-HELPS (1-800-223-4357) today to schedule your free consultation.

What Is My Car Accident Claim Worth in Michigan?

October 30, 2014 by Howard Slusky Leave a Comment

What Is My Car Accident Claim Worth in Michigan?

If you were recently injured in a car accident in Michigan and you believe that the other driver was at fault in the collision you may be entitled to compensation for your injuries. Understandably, one of the first questions victims of a motor vehicle accident have is “ What is my car accident claim worth in Michigan? ” The value of a car accident claim depends on numerous factors. While the best way to get an idea what your claim is worth is to consult with an experienced Michigan car accident attorney, a better understanding of the factors that go into determining the value of a claim is a good place to start.

No two motor vehicle accidents involve exactly the same facts and circumstances; however, there are some common factors that are considered when evaluating the value of a claim, including:

 

  • Negligence – negligence is the legal term used to refer to fault or responsibility in a personal injury accident. For a victim to be entitled to compensation for injuries sustained in a car accident another party’s negligence must have caused, or contributed to, the accident. Your own negligence can reduce the value of your claim. For example, if the other driver made a left hand turn in front of you, clearly failing to yield to you when you had the right of way, the other driver would be considered negligent. If, however, you were also speeding at the time, you might share in the negligence. You might be found to be 20 percent responsible and the other driver 80 percent. The value of your claim would then be reduced by your share of the blame, or 20 percent.
  • Severity of injuries – both economic and non-economic damages may be available to a victim. Economic damages are things like medical bills and lost wages while non-economic damages are what people typically refer to as “pain and suffering”. The value of both types of damages will depend, to a large extent, on how severe the injuries were. If the injuries caused permanent damage, scarring, disfigurement, or anything else that will never completely heal the value of the claim will be higher than if the injuries were minor and expected to heal completely.
  • Liability limits – in reality, the liability limits of the negligent party’s insurance may also play a role in evaluating a claim. Although you can pursue other avenues for payment, such as putting a lien on property owned by the defendant, most claims are paid for by insurance. Therefore, the at-fault party’s liability insurance limits will be a factor when determining how much the defendant can realistically pay the victim.

 

If you have been injured in a Michigan car accident you should consult with an experienced Michigan car accident attorney as soon as possible after the collision to ensure that your rights are protected and that you are fairly and fully compensated for all your injuries.

Are Trucking Companies Regulated by the Federal Government?

October 7, 2014 by Howard Slusky Leave a Comment

Are Trucking Companies Regulated by the Federal Government?

Any motor vehicle accident can have tragic results; however, a collision with a tractor-trailer or other large truck is more likely than most to cause serious injuries to the occupants of the vehicles involved in the crash. With this in mind, the United States federal government heavily regulates the trucking industry. If you are injured in a trucking accident it may be helpful to your lawsuit to know if the truck involved in the accident was in violation of any of these trucking rules and regulations.

In the U.S., the Federal Motor Carrier Administration, or FMCA, is responsible for making safety rules and regulations that apply to large trucks and busses and enforcing those rules. As part of the Department of Transportation, the FMSA, works hard to try and keep America’s roadways as safe as possible for those who travel those roads. FMCA rules and regulations are voluminous and cover everything from required safety inspections to eligibility to hold a commercial driver’s license to Hours of Service rules that dictate how long a truck driver is allowed to remain behind the wheel without a rest period. To stay in business, trucking companies must abide by the FMCA rules. Likewise, to hold a commercial driver’s license, or CDL, a driver must also abide by the rules. A driver and/or trucking company found to be in violation of the FMCA rules and regulations faces anything from a fine to being taken out of commission.

When a tractor-trailer is involved in an accident, negligence, or fault, must be determined. Not all accidents involving a large truck are caused by the driver of the truck. For an injured motorist or passenger to be entitled to compensation after a trucking accident though, the injured party must prove that someone else caused, or contributed to, the accident. Violating a federal safety rule does not alone prove that a truck driver or trucking company was at fault in an accident; however, it is often an indicator of negligence, or fault, in an accident. For example, if the truck driver was in violation of the “Hours of Service” rules it could indicate that the driver was driving drowsy, a common contributing factor in trucking accidents.

If you suffered injuries in a Michigan trucking accident and you believe the truck was at fault in the accident, contact an experienced Michigan trucking accident attorney right away.

What Are Common Causes of Trucking Accidents?

October 2, 2014 by John Walt Leave a Comment

What Are Common Causes of Trucking Accidents?

Being involved in any type of motor vehicle collision can result in significant injuries to you and your vehicle; however, if the other vehicle is a large truck the odds of being seriously injured increase exponentially. Moreover, tractor-trailers are disproportionately involved in collisions each year, further increasing the risk of serious injury if you are involved in a crash. While many semi-truck drivers operate their vehicle responsibly and obey all of the rules of the road, some do not. As a result, there are some common causes of trucking accidents that you should be aware of should you find yourself involved in one.

 

  • Fatigued driving – although the federal government limits the number of hours a truck driver can drive between rest periods, many drivers ignore the “Hours of Service” rules and push on despite being fatigued or drowsy.
  • Speed – speed is a factor in approximately one in three motor vehicle accidents every year. Truck drivers may not drive over the posted speed limit but they frequently drive too fast for traffic or road conditions, creating a dangerous situation for other motorists on the roadway.
  • Impaired driving – truckers sometimes use both illegal and legal drugs to try and combat fatigue while driving. Even prescription or over-the-counter medications can impair a trucker’s ability to safely operate an 18 wheeler.
  • Distracted driving – federal law prohibits texting while driving a commercial vehicle; however, not all drivers obey the law. In addition, other electronic devices such as cell phones, navigation devices, and even televisions can distract a truck driver while driving.
  • Aggressive driving – a fully loaded tractor-trailer can weigh 80,000 pounds, making it a deadly weapon if the driver operates the vehicle in an aggressive manner. Weaving in and out of traffic, driving too fast for conditions, or failing to yield can cause a fatal accident if the driver is operating an 80,000 pound vehicle.
  • Vehicle or equipment malfunction or defect – truck drivers are required by law to inspect their vehicle on a regular basis for safety issues; however, these inspections are often rushed or ignored altogether in an effort to get on the road quickly.

 

If you have been involved in a Michigan trucking accident you could be entitled to compensation for your injuries and suffering. Contact an experienced Michigan trucking accident attorney right away to discuss your legal options.

Are Trucking Accident Cases Different than other Motor Vehicle Accident Cases?

September 23, 2014 by John Walt Leave a Comment

Are Trucking Accident Cases Different than other Motor Vehicle Accident Cases?

If you were injured in a trucking accident chances are good that you suffered serious injuries. If the truck driver caused, or contributed to, the collision you may be entitled to compensation for those injuries. Litigating a trucking accident case is fundamentally the same as any other motor vehicle accident; however, there are some important differences that do make trucking accident cases different than other motor vehicle accident cases.

The extent and severity of the injuries involved is one distinguishing feature of trucking accidents. While injuries from a passenger vehicle crash can also be severe, a victim stands a much better chance of being seriously, even fatally, injured when a tractor-trailer is involved in a collision. When injuries are severe or fatal, it typically takes longer to settle a motor vehicle accident case.

The most important difference though in a trucking accident case is that there are frequently multiple defendants involved. If a truck collides with your vehicle, you may end up including a variety of parties as defendants in the lawsuit, including, but not limited to:

  • Truck driver
  • Trucking company
  • Owner of the cargo
  • Manufacturer of the tractor-trailer
  • Maintenance company/provider

Litigating a case where multiple defendants are involved is much more complicated than a case with just one defendant. First, it must be determined that someone was negligent. To be entitled to any compensation, you will have to prove that someone other than you was over 50 percent at fault in the collision. If multiple defendants are involved, it must then be determined which of the defendants share in that negligence and to what extent. For example, let’s assume that the truck is determined to be 100 percent at fault in an accident wherein you stopped suddenly and the truck rear-ended you because it was following too close. It turns out, however, that proper maintenance was not performed on the truck, causing the brakes not to operate properly. That, in turn, made the accident worse than it should have been. Therefore, the trucking company might share some blame for not making sure the maintenance was performed properly. The maintenance provider might also share some blame for shoddy workmanship. Of course, the truck driver is also at fault for following too closely. Those three parties will eventually be responsible for 100 percent of you injuries; however, dividing up the fault can be an arduous process that will likely require the assistance of an accident reconstruction expert – another common difference in trucking accidents.

Ultimately, a trucking accident case will be resolved in the same way as any motor vehicle accident case – by out of court settlement or trial. Trucking accident cases are just more complex and often take more time to reach a resolution.

If you have been injured in a trucking accident, or have lost a loved one in one, contact an experienced Michigan trucking accident attorney as soon as possible to determine if you are entitled to compensation for your injuries or your loss.

Hours of Service Rules for Truck Drivers

September 16, 2014 by Howard Slusky Leave a Comment

Hours of Service Rules for Truck Drivers

In the United States we continue to depend heavily on the trucking industry to move goods and merchandise from point A to point B. As a result, the nation’s highways and roadways are typically saturated with tractor-trailers at any given time of the day or night. Unfortunately, this also means that large trucks are frequently involved in collisions – often with tragic results. One common cause of trucking accidents is driver fatigue. Despite the Hours of Service Rules, or HOS rules,  for truck drivers imposed by the U.S. federal government, truck drivers often continue to drive when they are too tired to be behind the wheel. If you have been injured in a Michigan trucking accident, or have lost a loved one to one, a better understanding of the HOS rules may help you determine if the defendant was in violation of those rules and, if so, if that violation contributed to the collision.

Truck drivers make their living behind the wheel. Frequently, they are paid by the load or by the mile driven. This provides an incentive to drive more and drive farther. As far back as the early 1940s efforts were made to try and limit the number of hours a truck driver could drive without a sufficient rest period. Since then, various schemes have been implemented by the Federal Motor Carrier Safety Administration, or FMCSA, to ensure that truck drivers aren’t driving while drowsy. The FMCSA is the federal agency responsible for promulgating and enforcing safety rules for the trucking industry in the U.S. The goal of the HOS rules is to ensure that truck drivers don’t drive for too long at one time and don’t spend too many cumulative hours behind the wheel each week. The most recent changes to the HOS rules took effect in July of 2013 and include the following provisions:

  • Limiting the maximum average work week for truck drivers to 70 hours, a decrease from the previous maximum of 82 hours;
  • Allowing truck drivers who reach the maximum 70 hours of driving within a week to resume if they rest for 34 consecutive hours, including at least two nights when their body clock demands sleep the most – from 1-5 a.m., and;
  • Requiring truck drivers to take a 30-minute break during the first eight hours of a shift.

Truck drivers who violate the HOS rules can be fined and/or have their Commercial Driver’s License (CDL) suspended or revoked for multiple violations. Trucking companies that allow, or even encourage, drivers to ignore the HOS rules can also be fined or lose their license to operate.

A violation of the HOS rules is not, per se, proof of negligence on the part of a truck driver involved in a collision; however, it can certainly be evidence that the driver was driving while fatigued which may have caused, or contributed to, the collision.

If you have been injured, or lost a loved one, in a Michigan trucking accident, contact an experienced Michigan trucking accident attorney right away  to determine what legal options you may have.

Auto Accidents – Where Do I Start?

September 2, 2014 by Howard Slusky Leave a Comment

Auto Accidents – Where Do I Start?

Experts tell us that we all stand at least a 25 percent chance of being involved in an auto accident at some point in our lifetime. We all know it is a possibility; yet, no one plans to be involved in a collision. Therefore, if you suddenly find yourself involved on a motor vehicle accident you may be asking yourself “ Where do I start? ” While each auto accident presents a unique set of facts and circumstances, there are some common steps that any victim should take in the minutes, hours, and days after a collision.

 

  • Secure the scene and call the police. If you are able, move yourself to a safe location. If the collision occurred in the middle of a busy roadway, get to the shoulder if you are able to do so to prevent being further injured in a secondary collision. Call the police even if the accident appears to be minor. Contacting the police is the safe thing to do and serves to document the time and place of the crash.
  • Obtain contact information if possible. If your injuries do not prevent you from moving and speaking, get the contact information for others involved in the crash and any witnesses to the crash. Thought he police report should have all this information, a surprising percentage of accident reports are lacking in vital information.
  • Submit to a thorough medical examination. Many serious injuries do not present obvious outward signs. A potentially fatal traumatic brain injury, for example, can only be diagnosed by the use of sophisticated equipment found at a hospital. Going directly to the hospital also serves to provide a clear nexus between the accident and any injuries you claim when the time comes to negotiate a settlement.
  • Contact your insurance company. Let your insurance company know what happened. In theory, your insurance company is on your side; however, in reality it really is best to speak to an attorney before talking to your own insurance company as well.
  • Do NOT talk to the other driver’s insurance company. Never agree to discuss what happened with another driver’s insurance company. Always speak to an attorney first. Victims routinely lose compensation to which they are entitled because they said the wrong thing, or phrased something the wrong way, during a “we just want to get your version of events” conversation with the other driver’s insurance company.
  • Contact an experienced Michigan personal injury attorney. If you haven’t already done so, contact an experienced Michigan auto accident attorney at this point. This ensures that your rights will be protected and allows you to concentrate on healing.
  • Follow up with all medical treatment. While the initial evaluation was necessary it is not sufficient. Always follow up with any recommended treatment. This is best for your health and for any claim you pursue against an at-fault driver.

 

For specific questions about your Michigan auto accident, contact an experienced Michigan motor vehicle accident attorney right away.

Saginaw, Michigan Auto Accident – Is There a Time Limitation?

June 24, 2014 by Howard Slusky Leave a Comment

auto accidents in saginaw michiganAn auto accident can cause serious, even fatal, injuries to the victims involved in the collision. Sometimes those injuries are obvious immediately following the accident while in other cases the injuries (or the severity of the injuries) do not present themselves until weeks, even months, after the collision. If you have been injured in a Saginaw, Michigan auto accident, or you are the surviving family member of a victim who was fatally injured in a collision, you could be entitled to compensation for your injuries or loss. While the law provides a mechanism by which victims can be compensated by a negligent party, the law also limits the time within which victims of auto accidents must pursue that compensation. Failing to pursue compensation in the time frame allotted by law means a victim will forever lose the right to compensation.

Victims hesitate to pursue compensation to which they might be entitled for a variety of reasons. Sometimes it is because they don’t realize the extent of the injuries they suffered. Other times it is because a victim is too traumatized by the collision to focus on practical issues such as litigation and compensation while in still other situations a victim simply doesn’t understand that he or she is entitled to compensation. Regardless of the reason for the delay, failing to act in a timely manner after an auto accident can cause a victim to lose the right to compensation at all.

The law imposes time frames within which certain legal actions may be brought. Known as a “statute of limitations”, these time frames determine how long a litigant, or in the case of an auto accident a victim, has to begin a lawsuit. Note that the statute of limitations, or SOL, marks the date by which the lawsuit must be filed, not the date by which the lawsuit must be resolved or concluded.

In the State of Michigan, the SOL for most personal injury lawsuits is three years from the date of injury. A wrongful death action must also be brought within three years of the date of death. Although the time frames can get complicated in other types of litigation, such as a medical malpractice lawsuit, the SOL for an auto accident or w wrongful death based on an auto accident are fairly clear in Michigan. Even if it appears that you and the at-fault party are going to reach an out of court settlement that resolved the entire matter, it is crucial that a lawsuit be filed prior to the SOL running out or you will lose your right to compensation altogether.

If you have questions or concerns about how the SOL impacts your Saginaw, Michigan auto accident be sure to consult with an experienced Michigan personal injury attorney right away to ensure that your right to compensation is protected.

 

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Slusky & Walt, P.C.

Attorneys at Law
248-559-9100

Southfield

17515 West Nine Mile Road, Suite 400 Southfield, MI 48075

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