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Have you ever taken a serious look at your automobile policy?

Massachusetts is a no-fault state. By law, each motor vehicle insured in Massachusetts is automatically equipped with $8,000.00 of Personal Injury Protection (PIP) coverage. PIP pays for reasonable medical expenses, lost wages, and if applicable, reimbursement of replacement services, such as necessary household services.

As some of you may already know, PIP pays for the first $2,000.00 in medical bills. Once PIP exhausts that first $2,000.00 in coverage, it will then defer any outstanding and future medical bills to your health insurance provider. The remaining $6,000.00 in coverage is available for lost wages, and any medical expenses not covered by your health insurance carrier, such as deductibles, co-pays, and non-covered services. One caveat to this rule is that if you have Medicare or MassHealth, then PIP will pay the full $8,000.00 in medical expenses. The initial $2,000.00 exhaust is not applicable to Medicare or MassHealth recipients.

Once that $8,000.00 in PIP benefits is exhausted, (and believe me, it goes quickly), then you will have to pay all co-pays, deductibles, or non-covered services from your own pocket. In today’s economy, a majority of individuals do not have the extra money to pay these co-pays, deductibles, or non-covered services from their own pocket, and therefore, their health suffers because they cannot afford additional treatment.

If you select to have additional Medical Payments (Med Pay) coverage on your motor vehicle insurance policy, then you will have additional benefits to pay for those out-of-pocket expenses.

As previously mentioned, Med Pay coverage is optional and therefore you pay additional premiums for this coverage. However, the benefit outweighs the risk. For example, if you were involved in a motor vehicle accident and ruptured your ACL tendon in your leg or tore your rotator cuff in your shoulder, your medical expenses would presumably be in the thousands. You would need to seek treatment from an orthopedic surgeon who would order x-rays and MRIs, and you would most likely undergo a surgical procedure to repair your injury, which would require a hospital setting, orthopedic surgeon, anesthesia, follow-up care including physical therapy, etc. The medical bills add up quickly.

Available Med Pay coverage can be as little as $5,000.00 or upwards of $25,000.00 or higher.

There is another benefit to having Med Pay coverage. In Metropolitan Property and Casualty Ins. Co. v. Blue Cross and Blue Shield of Massachusetts, Inc., 451 Mass. 389 (2008), the Massachusetts Supreme Judicial Court held that when the health insurance policy specifically defers payment to Med Pay coverage, then, after the initial $2,000.00 in PIP is exhausted, instead of your medical bills being submitted to your health insurance provider, Med Pay will kick in first and pay your medical bills. This is great because typically a health insurance provider will attach a lien to your personal injury case. This means that the health insurance company is entitled to reimbursement for all the treatment it paid for you. The health insurance company would be reimbursed from the settlement of your case.

For additional information, please see:

Massachusetts Automobile Insurance Policy, Page 15, Part 6, Medical Payments

Commission of Insurance’s Clarification of Coordination of Benefits under M.G.L. c. 90 Section 34A and the Interrelationship by and among PIP, Health Insurance, and Medical Payments
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Drunk driving, also known as operating under the influence (OUI) of alcohol or drugs, is a serious crime that remains prevalent in our society.

Drunk driving is a mistake that is easily preventable but puts many lives at stake. Statistics say that in 2010, 10,228 people died in drunk driving crashes — one every 52 minutes — and 345,000 were injured in drunk driving crashes. (National Highway Traffic Safety Administration FARS data, 2011).

When people are convicted of drunk driving, it is usually not the first time they have driven under the influence of alcohol. In fact, on average a person driving under the influence has driven while under the influence eighty (80) times before their first arrest according to MADD statistics. This issue is especially relevant with the holiday season not too far away. There will undoubtedly be many holiday parties upcoming which will lead to people getting behind the wheel with a blood alcohol above the legal limit.

Massachusetts is an implied consent state. This means, if a breathalyzer (breath test) is requested by a police officer and declined by the driver, the Registry of Motor Vehicles automatically suspends that operator’s license. At the police station, you will be informed that refusing to take the breath test will result in an automatic license suspension of 6 months if it is your first offense, 3 years if this is your second offense, 5 years if this is your third offense and a lifetime loss of license if this is your fourth offense. The intent behind this law is to get people to take the breathalyzer.

A conviction of the operating under the influence of alcohol statute can carry up to two and one half years in jail as well as a fine of between five-hundred ($500.00) and five-thousand ($5,000.00) (M.G.L. c. 90 §24). A conviction will also carry a license suspension which is on top of any license loss instituted by the Registry of Motor Vehicles due to the declining of a breathalyzer test.

There are sometimes alternative dispositions available to an individual in an operating under the influence of alcohol charge that a skilled attorney can help negotiate. These dispositions can result in a charge being continued without a finding. This can be an excellent resolution as it results in the charge being “dismissed” if all conditions are followed and completed.

Recently, the Massachusetts State Police have stated that they would be increasing their presence on Routes 24 and I-195. After string of fatal crashes, State Police to step up patrols on Route 24 and I-195, boston.com, July 26, 2012.

These extra patrols will be between 8p.m and 4a.m. on Fridays and Saturdays. This is in direct response to an increase in motor vehicle accidents causing fatality and serious injury. Unfortunately, a large number of these accidents have been the result of driving under the influence of alcohol. David Procopio, a state police spokesperson, has said that forty percent (40%) of this year’s fatal crashes have been caused by drivers who are impaired by alcohol or drugs.
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A wrongful death claim has been filed against the producer and the stunt coordinator of the movie “The Expendables 2” after a stuntman was killed during the filming of the movie. The stuntman’s family is alleging that the producer and the stunt coordinator negligently failed to place the stuntman a safe distance from an explosion.

Wrongful death claims can arise from car accidents, motorcycle accidents, bus accidents, truck accidents, drunk driving accidents, accidents involving pedestrians, accidents involving cell phones and texting, construction accidents, work-related accidents, slip and falls, inadequate premises security, medical malpractice, defective products, food poisoning, fire/explosion accidents, etc.

The Massachusetts Wrongful Death Statute can be found at M.G.L. c. 229 § 1, et seq.

The Statute of Limitations, or deadline, to file a wrongful death claim in Massachusetts is “three (3) years from the date of death, or within three (3) years from the date when the deceased’s personal representative (executor or administrator) knew, or in the exercise of reasonable diligence, should have known of the factual basis for a cause of action.” M.G.L. c. 229 § 2.

In order to bring a wrongful death claim in Massachusetts, the estate of the decedent must appoint a personal representative. After the Probate Court has appointed the personal representative of the decedent’s estate, that person can then file a lawsuit against the at-fault party or parties.

A wrongful death claim in Massachusetts is founded on the common law principles of negligence, which are: 1) duty, 2) breach of duty, 3) causation, and 4) damages. The personal representative of the decedent’s estate must be able to prove that the at-fault party owed a duty to the decedent, breached that duty, and as a result of that breach, caused the decedent’s wrongful death.

Under the Massachusetts Wrongful Death Statute, damages may be awarded for the “loss of reasonable expected income, services, protection, care, assistance, society, companionship, comfort, guidance, counsel, and advice of the decedent.” M.G.L. c. 229 § 2. Funeral and burial expenses can also be awarded. In addition, punitive damages may also be awarded, if the decedent’s estate can prove that the wrongful death was caused by gross negligence (i.e. malicious, willful, wanton, or reckless conduct).
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If, like so many of us, you post your everyday activities and updates on social media sites, step back, pause, and let’s think about this.

Increasingly, defense investigators and attorneys routinely check and monitor sites like Facebook, Twitter, LinkedIn, GooglePlus, MySpace, etc., to easily compare claimants’ activities with their injury status. It’s obvious that postings like, “Biking the Boston Marathon course today!” and “Just finished a killer P90X workout!” are inconsistent with many claims of soft-tissue or orthopedic injury, for example.

Less obvious are more mundane posts: “Whew! Just mowed the lawn!” or “I’m so exhausted I just washed every window in this house!” You may have taken 4 hours and 2 painkillers to get through these tasks. Those details, while not post-worthy, would certainly affect the interpretation of your activity level. To a defense investigator or attorney, your posted activities may create an inaccurate picture of your capabilities. More important, without further explanation, they may seem to contradict your claim of injury.

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Texting while driving is a serious offense. On September 30, 2010, Massachusetts enacted a texting while driving law prohibiting all drivers from composing, sending, or reading text messages while driving. (M.G.L. c. 90 § 13B) At the same time, Massachusetts enacted an even stricter law prohibiting teenagers under the age of 18 from using any type of cell phone whatsoever while driving, including a hands-free phone or other mobile electronic device. (M.G.L. c. 90 § 8M)

In a nut shell, this means that (1) all drivers, regardless of age, are prohibited from texting while driving, and (2) all drivers under 18 are prohibited from using a cell phone or hands-free device whatsoever.Yesterday, an 18-year old Haverhill teenager, who was 17 at the time of the accident, was convicted of texting while driving. It was reported that the teenager had sent 193 texts that day, a couple texts shortly before the accident, and then several more after the accident. The teenager was distracted from his driving, crossed the center line, and struck another vehicle head-on, killing a man and seriously injuring a woman. The teenager was charged with a host of traffic violations, including the new texting while driving violation, as well as a very serious charge of vehicle homicide. (M.G.L. c. 24 § 24G)

The teenager was sentenced to serve one year of jail time, conduct 40 hours of community service, and lost his driver’s license for 15 years. This teenage won’t be able to drive again until he is about 32 years old.

According to the U.S. Census Bureau’s report which includes motor vehicle accidents and fatalities statistics, there were 33,808 fatal car crashes in 2009.

According to the U.S. Department of Transportation (USDOT) National Highway Traffic Safety Administration (NHTSA), 5,474 (16%) of fatal car crashes in 2009 were attributable to driver distraction. More specifically, 995 (18%) of driver-distracted fatal accidents involved a cell phone.

“Distraction is a specific type of inattention from the driving task to focus on some other activity instead.” (See NHTSA) This includes a myriad of distractions such as “cell phones, eating, talking to passengers, looking outside, etc… fatigue, physical conditions of the driver, and emotional conditions of the driver.” (See NHTSA)

Astonishingly, AAA conducted a study of 1,000 teens in 2007 and found that texting while driving is just as dangerous as drinking and driving with 46% of teens admitting to texting while driving.

Many of us recognize the dangers of distracted driving but are adamant that it won’t happen to me or that my teenager won’t do that. Think proactively and make a change. Remember that you are the biggest influence on your teenager and they are watching you as you talk or text while driving. This Haverhill case decision clearly shows the ramifications of texting while driving.

If you would like to learn more about this topic, please click on the link to view ABC News “Mass. Teen Aaron Deveau Faces Prison in Landmark Texting Homicide Case.”
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The third week of May is National Dog Bite Prevention Week. As Massachusetts dog bite injury attorneys we thought you may be interested in the following facts. According to the Centers for Disease Control and Prevention (C.D.C.), approximately 4.7 million people are bitten by dogs each year. Of that amount, more than 2.3 million are children under the age of 12.

According to the Insurance Information Institute, insurance companies paid out $478.9 million in dog bite claims last year; and $412.6 million in 2010. That averages out to approximately $30,000 per claim.

Massachusetts has a Dog Bite Statute (M.G.L. c. 140 § 155) that allows an individual bitten or attacked by a dog to pursue a claim against the homeowner’s insurance policy of the owner or keeper of the dog. This also includes any property damage.The Massachusetts Dog Bite Statute is a strict liability statute because a dog bite is an inherently dangerous act. Strict liability means that the dog owner is automatically liable, regardless of fault (even if the dog never bit anyone before). One caveat to this rule is whether the injured person was trespassing or was teasing, tormenting or abusing the dog (i.e. the victim was bitten as a result of his/her own negligence). If the victim is a child under the age of seven, then the caveat is set aside, and the dog owner is automatically liable.

According to M.G.L. c. 140 § 147A, Massachusetts allows any city or town to enact its own ordinances and by-laws regarding the regulation of dogs. This includes leash laws. For instance, the City of Fall River has an ordinance requiring all dogs be leashed, whether on your own property, private property, or public property, including parks, playgrounds, or cemeteries.

In addition, Massachusetts has a state-wide law that requires all dogs to be licensed beginning at the age of six months. Licensing occurs annually. In order for a dog to be licensed, updated rabies vaccination records must also be provided. However, each city or town may have promulgated an earlier time frame for licensing, such as Fall River, which requires the licensing of dogs at four months, rather than the state’s six month rule.

Cited Resources:

City of Fall River Massachusetts; Dog Licenses and the Leash Law, fallriverma.org Continue reading →

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On April 12, 2012, Attorney James K. Meehan attended the annual National Football League Players Association (NFLPA) Workers’ Compensation Panel Meeting in Fort Lauderdale, Florida. Over several days, the group, comprising workers’ compensation attorneys nationwide, addressed issues confronting professional athletes injured while playing. This year’s meeting included lengthy discussions regarding the new collective bargaining agreement entered into by the player’s union and the National Football League.

Discussions also involved the National Football League Players Association’s (NFLPA) recent lawsuit against the National Football League for concussions. The lawsuit alleges that the league failed to disclose to players the severity of their head injuries and failed to provide adequate treatment. In addition, claims are being made that the teams forced players back into action prematurely before full recovery from their concussions. The player’s union is bringing this civil lawsuit in addition to workers’ compensation claims being made for individual players.

Attorney Meehan has been a member of the National Football League Players Association (NFLPA) Workers’ Compensation Panel for almost two decades. Over that time, he has represented numerous professional athletes who sustained premature career ending injuries. He has also represented members of the Boston Red Sox, New England Revolution, and a ballerina for the Boston Ballet Company.

The Massachusetts Workers’ Compensation Law is set forth in M.G.L. c.152. The Act provides disability benefits and medical coverage for most injuries occurring in the workplace. Types of injuries include neck injuries, back injuries, knee injuries, shoulder injuries, psychiatric/stress-related injuries, repetitive trauma injuries, and neurological disorders. Commonly, in the case of an injured professional athlete, the insurance company denies the injury and a claim is filed at the Commonwealth of Massachusetts, Department of Industrial Accidents. At this agency, the workers’ compensation claim is heard by an Administrative Judge. If benefits are ordered, then the player can receive weekly benefit checks, medical benefits, loss of function/scarring benefits, and vocational rehabilitation or job retraining benefits. The amount and length of benefits generally depends upon the severity of the injury and amount of pre-injury pay.

 
https://www.youtube.com/watch?v=fFkWTGKNLT8
 

Quite often a Massachusetts’ workers’ compensation case is resolved by way of a lump sum settlement. Generally, acceptance of a lump sum settlement of a workers’ compensation case closes out the right to receive a weekly disability benefit but leaves open medical benefits and vocational rehabilitation or job retraining benefits for two years. In the case of a permanently disabling injury, a claimant may also be entitled to social security disability benefits.
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