Law Blog

Roads in the Bay Area are becoming more dangerous, not just for drivers trying to navigate the crowded highways, but for pedestrians and cyclists, as well who are increasingly getting killed making their way through city streets.

A recent report from the Metropolitan Transportation Commission (MTC), the regional agency for transportation planning, reveal that the number of deadly crashes involving cars, trucks, motorcycles, bicycles and pedestrians on Bay Area roads increased 43% from 2010 – 2016.

MTC researcher David Vautin said, “There are definitely more people living in the Bay Area and using the roads, which may be responsible for a portion of the increase. Plus, more drivers are coming in from further away, on long boring commutes.”

The increase in the area’s population and the longer distances commuters are driving still cannot account for the increase in the number of people being killed on Bay Area roads and highways during those years, according to Vautin. In 2010 there were 318 fatal crashes, which rose to 455 in 2016. In five out of those six years, the fatalities increased and this was after declines during the previous four years. However, 2016 wasn’t the year with the most because there were 509 deadly crashes in 2003, which was the high point in the 16 years that the study spanned. 

Some traffic experts think there are more “distracted drivers,” with people using their cell phones to make calls, send text messages or check Facebook while driving, he explained. While others blame the decrease in life-saving technology after the widespread adoption of anti-lock brakes, shatterproof windshields and seat belts. New breakthroughs have not been implemented to the same extent.  

But, at the end of the day, the real problem is basic human error, according to Stephanie Mak, an MTC data analyst. In analyzing reports of fatal collisions that occurred between 2010 and 2016, she discovered three major culprits: excessive speed, unsafe turns and driving while under the influence of alcohol or drugs.

Mak concluded that it was “unsafe behavior on the part of drivers” that caused the majority of fatal crashes, nothing more, nothing less.

This situation is not exclusive to the Bay Area. Across California and the nation at large, fatal collisions have been on the increase ever since the recession, according to spokesman Chris Cochran of the California Office of Traffic Safety. He said that deadly traffic collisions rose 33% in California between 2010 and 2016, adding that this wasn’t totally unexpected.

What usually happens is that in an economic down turn, fewer people are on the roads traveling or commuting for recreation or work. Once the economy improves, people start hitting the roads more often.

“We’re basically returning to pre-recession figures,” he said. “However, there is a real danger that we could move beyond that.”

Cochran went on to say that recent technological developments, like interactive dashboards in cars can be very distracting. But other automatic innovations, such as “driver-assist” technology in the form of alarms that sound when you are about to collide with another vehicle or when you swerve out of your lane, can certainly help, he added.

However, these highly advanced features are not prevalent in most vehicles. Driverless cars, which are being touted as the no-collision option, are many years away from being adopted by the masses.

Until that time comes, Mak has been conferring with other officials working in regional transportation planning agencies as well as her colleagues at the state to determine what they are doing to lower the numbers of fatal crashes. She’s trying to figure out what could specifically be done better in the Bay Area. In the end, it could be more effective enforcement for impaired drivers and those who speed, she said. Or, possibly more campaigns and outreach to better educate motorists.

There are some cities in which residents and business owners are speaking up about their desire for safer streets, wanting their streets designed to be safer. San Jose, Fremont and San Francisco have decided to join the “Vision Zero” traffic safety movement, which is promoting an effort to redesign city roads and highways in ways that will eliminate deadly collisions.

The roads that have already been redesigned seem to be making a difference, according to Cathy DeLuca, executive director of the pedestrian advocacy group, Walk SF. In 2014, the city of San Francisco enacted Vision Zero as a policy. As a result, the number of deadly crashes in 2016 went down, according to preliminary data. DeLuca remarked that figures for 2017 look promising, with approximately 33% fewer deaths having occurred on roads so far this year.  

Ginger Jui, spokeswoman for Bike East Bay, a nonprofit group advocating for cyclists, said that there are more cyclists than ever navigating the roads in Alameda and Contra Costa counties and this could be the reason for the increase in fatal crashes. However, she commented that the addition of protected bike lanes and adjustments to city streets designed to slow down speeding vehicles are definitely working to save lives.

She said, “Whenever you can reduce speeding, it benefits everyone on the road.”

The auto accident lawyers at O’Connor, Runckel & O’Malley are very experienced in this area of the law and highly respected in the legal community. We provide our legal expertise to people throughout Northern California from our offices in Sacramento, San Francisco and Contra Costa County. Please reach out to us if you or a family member has been in an auto accident caused by the carelessness or negligence of another. We will gladly offer you our legal advice and expertise.

Published on behalf of O'Connor, Runckel & O'Malley LLP

PITTSBURG, CA – A 46-year-old woman from Discovery Bay was tragically killed Wednesday on Highway 4 in eastern Contra Costa County while “driving in safe and lawful manner.” Another car plowed into hers, which then set off a wreck involving seven cars, according to the California Highway Patrol.

Theresa Frazer was pronounced dead at the scene, while four others, including a small child, were transported to the hospital. The collision occurred on westbound Hwy. 4 right after 8 a.m. not far from the Railroad Ave. and Harbor Rd. exits, reported CHP Officer Brandon Correia.

This accident occurred soon after another two-car collision in the immediate area that involved a Dodge sedan and a motorcyclist. No one was hurt in that accident, but it did worsen traffic on the crowded highway.

Seeing the traffic ahead, Frazier had slowed down to a stop in her Nissan Sentra, however the Chevy Tahoe SUV behind her did not and just crashed into her car, Correia said.

“Here this woman is doing exactly as she should,” he said. “She sees traffic, slows down and stops. The SUV for some reason doesn’t stop. Our investigation will seek to determine whether it was speeding. That is what we are focusing on. When a car gets plowed into from behind in that manner, it causes a huge impact.”

The SUV then went on to sideswipe a Dodge truck and crashed into an Audi sedan before it flipped over and slid into a couple of other vehicles on the highway. The occupants of the two last cars, a Chevy Trailblazer and a Toyota Highlander, were among the three treated at the scene and released. The Chevy Tahoe finally came to a stop when it slid into a Honda Civic.

A passenger riding in the Nissan Sentra did suffer major injuries, but they weren’t thought to be life threatening and he was transported to a local hospital, Correia said.

The man and woman who were in the SUV were also severely injured and transported by ambulance to a local hospital, Correia said. Fortunately, they are both expected to live.

Their son was also taken by ambulance to the hospital as a precautionary measure since he did not appear injured, Correia said. Initially, officials said that there were five people hospitalized.

The westbound lanes on Highway 4 in the vicinity of the crash were all closed except for the far left lane. This lasted nearly three hours and a Sig Alert was issued for major traffic. The CHP lifted the alert around 11:15 a.m. after the scene had been investigated and cleaned up.  

Investigators have yet to figure out whether alcohol or drugs played a part in the collision, but they didn’t see any signs of them at the site, Correia said.

If you have lost a loved one in an accident caused by another, you may be eligible to seek a remedy and payment. Protect your rights, contact an experienced wrongful death lawyer. When you call the law offices of O’Connor, Runckel & O’Malley, you will be talking with an attorney who has spoken with hundreds of people in your similar circumstance. You will be treated with the respect and sympathy you need during your time of heartbreak and anguish.

( Source: East Bay Times)

Published on behalf of O'Connor, Runckel & O'Malley LLP

If your loved one has been physically, medically, psychologically, or financially abused, neglected, or exploited, by a nursing home, assisted care facility or in-home care provider, call O’Connor, Runckel & O’Malley, a personal injury law firm, today for a free initial consultation and case evaluation with an elder abuse/nursing home negligence attorney. 

Over 25% of serious abuse cases occurring in nursing homes are not being reported to law enforcement. The Office of Inspector General, which is part of the U. S. Department of Health & Human Services, issued an alert about this last Monday.

Despite state and federal law demanding that serious nursing home incidents involving abuse must be reported to the police, many cases never were.

Governmental investigators are doing an extensive ongoing review of reports of abuse and neglect occurring in nursing homes but are issuing the alert now because immediate action is required due to the seriousness of the cases they’ve found so far.

The abuse cases are so severe that the victims were sent to the emergency room. The alert cited an example of a woman who was terribly bruised from a sexual assault that occurred in her nursing home room, yet this was not reported to law enforcement.

Federal law requires that such an assault be reported to law enforcement within two hours of the crime being discovered. But that wasn’t done according to Curtis Roy, the Department of Health & Human Services’ assistant regional inspector general.

“Instead, they cleaned the victim up and this actually destroyed crucial evidence that the police could have relied on while investigating this crime.”

The nursing home did tell the family that their loved one had been sexually assaulted the previous day. The family then went to police to file a report on the crime. Even after the crime had been reported, the nursing home attempted to conceal the crime, according to Roy.

“They actually contacted the police department trying to persuade them that no investigation was necessary and attempted to dissuade them from coming out to the nursing home to look into the incident,” said Roy.

Examining records pulled from 2015 and 2016, Roy and his investigative team discovered 134 incidents of residents in nursing homes being abused so severely that they needed to go to the emergency room. The overwhelming majority of these incidents were sexual assaults.

“There is absolutely no excuse for allowing someone to suffer this degree of torture, never ever,” says Roy.

The abuse cases occurred in 33 different states, with Illinois having the most incidents, which numbered 17. Investigators found that in 72% of the cases law enforcement did get a report within the required two hours. But, that leaves 28% unreported. Investigators made the decision to report every single one of these 134 cases of abuse to the police. Roy said, “We were so worried that we would rather over-report than risk the chance that a single case would remain unreported.”

The Inspector General’s alert says nursing home regulators, who are the Centers for Medicare and Medicaid Services (CMS), must do a better job of tracking these abuse cases. They said that CMS should do exactly what Curtis Roy’s team did: look at Medicare claims submitted by residents of nursing homes and cross-reference their emergency room claims. This way the investigators could see whether a Medicare recipient had filed a claim for emergency room care during the same time they were filing a claim for nursing home care. If so, the investigators could look at the emergency room diagnosis and determine whether the patient appeared to be a crime victim, as would be the case if the diagnosis indicated a physical and/or sexual assault.

The alert emphasized that in 2011 federal law regarding the issue of nursing home abuse was strengthened. The law now requires that anyone who even suspects that a resident in a nursing home had been abused to the extent that it caused them to suffer serious bodily injury are required to report these suspicions to the police within no more than two hours. If they suspect a nursing home resident has been abused, but not to the extent of serious bodily injury, they have up to 24 hours to report the abuse to law enforcement. 

Failure to make the required abuse report to law enforcement within the specified time period can result in fines being imposed of up to $300,000.

However, CMS never received specific instructions from the Secretary of Health & Human Services to exercise the authority to carry out the penalties and collect the fines. According to the alert, CMS only this year started to seek the authority to enforce the law. There was no one from CMS who would agree to be interviewed for this article. 

Obviously, the 134 incidents of severe nursing home abuse discovered by the investigators represent just a tiny percentage of the 1.4 million currently residing in the country’s nursing homes. But, according to Curtis Roy, these cases are likely to be just the tip of the ice burg, since his investigators were only able to pinpoint abuse victims who were sent for emergency room care. “This is the absolute worst possible thing,” he said. “I don’t believe for a second that anyone could possibly think this is anywhere near being acceptable.”

“We must do a whole lot better,” says Roy, at “ridding our healthcare system of any form of abuse, no matter how minor.”

One fact that investigators were not able to find out is whether or not any of the nursing homes where incidents of abuse occurred were ever fined or penalized in some way for ignoring the law in not reporting these incidents and in some cases, trying to cover up the evidence. That information will likely be covered in the Inspector General’s complete report, which should be released next year. 

(Source: NPR)

Published on behalf of O'Connor, Runckel & O'Malley LLP

Most of the highway deaths involving large truck collisions are of occupants in passenger vehicles. Occupants of smaller vehicles are extremely vulnerable because they must share the road with large trucks. Many trucks weigh 25-30 times as much as an average car and are much taller. The problem is that a smaller car following behind a huge truck risks an underride collision with the truck.

Factors in Big Rig Collisions

The length of time it takes a fully loaded tractor-trailer to brake is one factor contributing to big rig collisions. It can take them 20% - 40% farther that it takes an average car to stop, and even farther if the road is wet or the brakes haven’t been properly maintained.

Another factor is truck driver fatigue. Federal law stipulates that drivers operating large trucks can drive no more than 11 hours in one stretch and no more than 77 hours in a week’s time. However, surveys suggest that many drivers ignore the law and drive for longer periods of time, which causes them to become overly fatigued.  

Where Collisions With Trucks Happen

A study on fatal collisions in 2015 that involved large trucks provided the following statistics:

• 53% occurred on major roads rather than on freeways and/or interstate highways
• 30% occurred on freeways and/or interstate highways
• 14% occurred on smaller, less traveled roads

Large Truck Collisions Compared to Passenger Vehicle Collisions

In 2015, over half of occupant deaths in large trucks occurred in collisions that caused their truck to roll over. This percentage was similar to the occupant fatalities in SUVs and pickup trucks that rolled over in crashes. Interestingly, those percentages were much higher than the 23% of occupant deaths that occurred in car rollovers.

Drunk Driving Has Subsided

Drivers of large trucks killed in fatal accidents almost never are found to have high levels of blood alcohol concentrations (BACs). Truck drivers are under very strict regulations by the government regarding drinking and driving. Only 3% of truck drivers killed in fatal collisions in 2015 showed a BAC level at or above 0.08%. That is far lower than the figure in 1982, which was 51%, so it is apparent that the trucking regulations in place now for drinking and driving are having the desired effect.

At O’Connor, Runckel & O’Malley we have over 50 years of experience. We have the expertise and a proven track record of success in personal injury law. If you or a loved one has been the victim of trucking or big rig accident and would like to speak with an attorney, please contact us. We are here to answer your questions and discuss how to protect your legal rights.

(Source: IIHS)

Published on behalf of O'Connor, Runckel & O'Malley LLP

O’Connor, Runckel and O’Malley LLP would like to announce our 2017 scholarship recipient, Jordyn Sequeira. Jordyn graduated Cum Laude from Arizona State University and is currently in her second year of law school at University of San Francisco. Throughout her first year of law school Jordyn exhibited a strong commitment to social justice, consistently volunteering through the USF’s ProBono Programs. Jordyn worked various clean slate clinics, where she provided free legal assistance to people who suffer from the collateral consequences of having criminal records. Over the summer she served as a legal intern in the Alameda County District Attorney’s Office. After she graduates she plans to continue to dedicate her time to battling social injustices.

We wish Jordyn continued success at UCSF School of Law.

SACRAMENTO, CA

In the US, Wrong Way Driving accidents result in an average of 300 to 400 deaths per year, speaking to around 1 percent of the aggregate number traffic fatalities that happen yearly. While this is a small overall percentage, because wrong way driving crashes include head-on or opposite direction sideswipe crashes at high speeds, they have a tendency to be more extreme than different sorts of accidents.

Wrong-way driving is a result of drivers making wrong way entries onto freeways or other controlled-access highways, or making mainline moves that bring about driving the wrong way/direction. Impacts from wrong-way drivers is a persistent issue on US roadways. Because the results of wrong-way driving accidents are a great deal more serious than different sorts of crashes, government traffic safety agencies consistently audit various access control measures. Typical measures include the design of on/exit ramp approaches and signage. The goal is to find potential changes or additions that will reduce wrong-way entries.

Furthermore, they look to investigate the potential advantages of detecting wrong way driving incidents, and providing quick warnings to the wrong way driver, to relevant authorities, and to other drivers in the immediate area. In Sacramento and San Diego, they are testing just such a system, with positive results.

It was immediately obvious that a car was heading the wrong way as it entered an off-ramp of a highway in West Sacramento. It occurred on the 5th and Bridge St. exit ramp of Highway 50, which is across from the home of Egor Mikhayloeskiy. He’s witnessed too many near-accidents caused by wrong-way drivers. Mikhayloeskiy reported, “I see drivers doing this several times a day.”

Many visitors to the Bay Area use the exit on 5th and Bridge St. on their way to Raley Field to see the Rivercats, the Giants’ AAA team, play.  But that particular off-ramp is very often mistaken for an on-ramp. “I always see cars from all directions honking at drivers heading onto the off-ramp, trying to warn them not to go there,” said Mikhayloeskiy. That’s why the California Highway Patrol has partnered with Caltrans in a trial program to prevent accidents caused by wrong-way drivers.

The program is being tried out in Sacramento and areas of San Diego to start with. The 5th and Bridge St. off-ramp in Sacramento is among 17 spots along Highway 50 that are included in the project, said Gilbert Mohtes-Chan, spokesperson for Caltrans. “These countermeasures are our latest attempt to aggressively combat the serious problem posed by wrong-way driving,” he said. There are huge “Do not enter” signs posted on the off-ramp, along with bright red reflectors warning drivers that they are going the wrong way. “We are trying to get drivers to self-correct so they turn their car around on the off-ramp and drive back off,” said Mike Sheets, a CHP Officer.

Additional countermeasures have been taken on six off-ramps by equipping them with a specialized radar system run on solar power. When the system’s sensors detect a vehicle driving the wrong way, it sets off a series of warnings: the signs start flashing LED lights, video cameras start operating and the vehicle’s license plates are captured, plus a loud alarm goes off on highway patrol cell phones and computers at Rancho Cordova’s Traffic Management Center.

“Every second counts when you have a wrong-way driver,” Officer Sheets explained. “We need to get there as fast as possible so we can stop this driver.” The project, which is slated to run for two years, just began in January. Since then it’s detected 2 wrong-way drivers. One suffered a minor crash. The driver was subsequently arrested for DUI, according to Sheets. 　

The second driver heeded the warnings at 5th and Bridge St., and turned the car around before entering the highway going the wrong way. So, the system worked as planned. “It seems to be working well so far,” Officer Sheets exclaimed.

The wrong-way driver that we saw stopped after spotting the warning signs. A police officer driving by helped guide the car off the ramp. “Drivers suddenly realize now that they’re going the wrong way and turn around on their own,” Mikhayloeskiy said.

“As a result of these safety measures, I’m not seeing wrong-way drivers entering the highway on the off-ramp like I used to,” Mikhayloeskiy said. 

O'Connor, Runckel & O'Malley LLP is a law firm serving the greater San Francisco Bay Area. Our attorneys represent clients in a wide array of serious personal injury claims. If you have been injured in a motor vehicle accident due to another's negligence, you may be entitled to compensation. Our attorneys possess the specialized knowledge needed to win maximum compensation in complex cases. 

(Source: CBS)

Published on behalf of O'Connor, Runckel & O'Malley LLP

The Law Offices of O'Connor, Runckel & O'Malley is happy to announce our selection for the "People Love Us on Yelp" award for 2017. Yelp is the top business review website, and businesses with the highest ratings win this award. We thank our clients for taking the time to share their positive experiences on Yelp and other review platforms. 

If you’ve ever been in a car accident you know what a hassle it can be just dealing with your own insurance company. But if the accident isn’t your fault, just think what you’ll be dealing with when it comes to the insurance company of the stranger who plowed into your car. 

Here are a few tips to help you file a claim with the other party’s insurer, which would be a third-party claim:

Get complete information
Whoever caused the accident is supposed to report it to their auto insurance company. But, sometimes they’re reluctant to do so. To play it safe, you should also call their insurance company and advise them of the accident.

To do this you are going to need the other driver’s complete information, which you should gather at the scene of the accident. This is what you should get:

1. Name and address of the other driver
2. The name of the other driver’s insurance carrier and policy information
3. If there are witnesses, get statements from them as well as contact information
4. Take photos of the scene of the accident using your smartphone

This is the evidence you will need to substantiate your position on who caused the accident. Some auto insurance companies have mobile apps that help motorists document an accident on the scene right after it occurs. Some of these apps provide a checklist telling you how to gather the information for your claim with them or the other driver’s insurer.

Furthermore, there is a free smartphone app called WreckCheck provided by the National Association of Insurance Commissioners that can help gather the information you need and provide yours to the other driver.

Make the proper notifications
Take it upon yourself to notify the other driver’s insurance carrier that there has been an accident involving one of their policyholders and that you were involved as well. Just give them the facts of what happened, even if you are convinced the other driver was at fault.

It is up to the police to decide who was at fault and whether they should issue a ticket. On their own, the insurance company will make their own determination as to who was at fault. This might or might not agree with the assessment made by law enforcement. In making their determination, the insurance company will consider the police report and statements from the drivers and any witnesses as well as physical evidence.

Even if you think you were not the cause of the accident, it is always best to call your insurance company to inform them of the accident. This shows good faith on your part and this will help you if the other driver’s insurance carrier denies that their policyholder was responsible for the accident, in which case you would need to file a collision claim.

In theory, you should just need to notify the other driver’s insurance company of your damages plus any injuries, tow your car to the body shop, see a doctor and just wait for the insurance company to pay these bills.

Unfortunately, this doesn’t always play out as it should. Auto insurance companies often insist that you get their authorization for any car repairs and medical treatments. If their insurance adjuster does not give authorization for your car repair before it’s taken to the body shop, there can be a problem. At the very least, make sure that the insurance carrier has already accepted liability before you start having your car repaired. Get them to email all of this to you so you have their authorization in writing. 

You need to know that no insurance company can demand that you take your car to a certain repair shop. Most states allow insurance companies to recommend car repair shops, but they are not legally allowed to insist that you use the auto body shop they name. It is your choice.

You may need an attorney
The other driver’s insurance company may tell you to have your own insurance company pay for the repairs, claiming they have no reason to believe their policyholder was at fault. While there are laws in most states that make it illegal for an insurance carrier to deny a claim without making a reasonable effort to investigate the facts, or to deny a claim when it is reasonably clear that they are liable, it may not be easy to fight with the other driver’s insurance company.

You may choose to file a claim with your own insurance company and they might very well decide to fight it out with the other insurance carrier for compensation if they determine the other driver caused the accident.

If you do decide to fight with the at-fault driver’s insurance company by yourself, you’ll need a good lawyer, especially if you have serious injuries. Your attorney will help you understand and navigate the insurance laws. 

You may have even collected evidence that proves the other driver was at fault, he may have even admitted this at the scene, but your claim is still denied by his insurance company. How can this be? Because he may very well have told them a different version of what caused the accident that does not fit with your version of events. His insurance company may prefer to believe him just to get out of paying your claim.

The truth is that sometimes the insurance carrier will side with their policyholder, even when their version of events conflicts with the police report.

It is not at all usual for an insurance company to side with their policyholder when there is no accident report by the police and it’s not clear who is at fault. In many states, the officer that shows up at the scene of an accident may look at the damage and determine that it’s only minor (usually under $500), and the officer won’t file any accident report. Estimates by body shops for that same damage can total in the thousands. You need to take your car yourself to a reputable repair shop in order to get an accurate determination of the extent of your car’s damage.

If the damage won’t cost a whole lot to repair, you can always file a case in small claims court against the other driver. Insurance companies are well aware that the longer they can drag out a claim, the more apt you are to cave and settle for less or just go away.

If you’re getting nowhere, turn to your insurance carrier
Even though you did not cause the accident, you can still file an accident claim with your own insurance company if you have this sort of coverage. The claim would be for them to pay for your damages and injuries.

You can do this if you are adequately covered with collision insurance. In this case your insurance company would pay for the repairs on your car or compensate you if your car is a total loss. If you decide to do this, you would still be responsible for paying the deductible towards the repairs. But, you may actually get that amount of money back if your insurance company ends up settling with the at-fault driver’s insurance carrier.

If the other driver has no car insurance and you have what’s called “Uninsured Motorist Property Damage” or UMPD coverage, you can file a claim with your insurance for the damage to your car. On UMPD claims you do not have to pay any deductible.

If an accident is not your fault and you are forced to file a claim with your insurance company, this does not necessarily mean that your insurance rates will go up.

There are laws in most states prohibiting insurance carriers from surcharging or raising their policyholders’ premiums for accidents that were not their fault. Unfortunately, these laws won’t stop your insurer from dropping you when it comes time to renew your policy if you’ve filed a slew of recent claims.

Understand your coverage for injuries
In most states, if you sustained injuries in a car accident in which you were not at fault, you would file your injury claim through the other driver’s insurance company. If they do not have any car insurance, you could file a claim under your coverage for Uninsured Motorist Bodily Injury, but only if you are covered for this. You could also file a claim with your health insurance provider. 

Do not pay too much for a rental car
Insurance companies naturally look for ways to cut costs, and saving money on reimbursing policyholders for the cost of a car rental is an easy target.

They do this by advising accident victims that they’ll only pay so much per day for a car rental. If you’ve been the victim of another driver’s negligence, you do have rights when it comes to recouping the costs involved in resolving the disruption in your life, and this includes the cost of a rental car while yours is being repaired.

If you rent reasonably you can avoid paying a portion of those costs. Do not buy a collision damage waiver if your rental company offers this because you are covered under your own insurance policy for any damage to a rental car.

If you rent a car at a reasonable price and your insurance company tries to short-change you somehow on the reimbursement, ask them to put their reason in writing. Insurance companies must advise you in writing when they decide to deny or somehow reduce payments to their policyholders.

Know what you are entitled to
It would be very helpful for you to become familiar with the prompt-payment law in your state. Every state has an Unfair Claims Settlement Practices Act that spells out the how long an insurance company can take to give you a check to cover your damages. 

One thing to consider: Unfair Claims Settlement Practices Acts very often do not give you the same rights if you are filing a claim against the other driver’s insurance company as opposed to filing your claim with your own insurance company. Check out California's Fair Claims Settlements Practices Regulations to find out more.

Sending a factual letter off to the at-fault drivers insurance carrier would be the best way to advise them of what you expect, letting them know that you know your rights. In the letter you would tell the insurance company that you expect them to cover all reasonable costs incurred by you due to the accident. This would include them paying for car repairs or the car’s total-loss value, diminished value, lost wages, medical expenses, pain and suffering plus the cost of renting a car. All of this points out the insurance company’s responsibilities according to public policy.  

Keep detailed records and copies of all correspondence. Make a note of the dates and times you speak to customer service reps as well as their names.

If you or a loved one has been the victim of motor vehicle negligence and would like to speak with an Automobile Accident Attorney, please contact us at O'Connor, Runckel & O'Malley LLP. We are here to answer your questions and discuss how to protect your legal rights.

(Source)

Published on behalf of O'Connor, Runckel & O'Malley LLP. The information presented in this article is not legal advice, is not to be acted on as such, may not be current and is subject to change without notice. 

If you can’t work because you’ve been injured in a car wreck caused by someone else, you are entitled to recover lost wages from that driver’s car insurance company. However there will be limits on how much money you can recover for lost wages due to the accident.

If the driver who hit you does not have sufficiently high limits to recover all your medical expenses plus the wages you lost from missing work, you can put in a claim on your own auto coverage for the balance. This would be done under your coverage for an “underinsured motorist.” If you reside in what’s termed a “no-fault state (California is NOT a no-fault state)” your lost wages can be paid by your PIP coverage up to whatever limit is specified on your policy.

When some other driver totals your automobile to the point where it cannot be repaired, that driver’s insurance company is supposed to pay you an amount equal to your car’s actual cash value prior to the wreck. The industry defines “actual cash value” as the “replacement cost” of the car minus the “depreciation” on the car. Replacement cost is how much it would cost to replace your car with one that’s similar. Depreciation would be how much your car has gone down in value over time.    

The insurance company should also cover the sales tax on the car that you bought with your insurance settlement money.

It is possible that the other driver’s insurance company will tell you to have your own insurance company pay for the repairs, claiming they have no reason to believe their policyholder was at fault. If you decide to fight the other driver's insurer on your own you'll need a lawyer — especially if you've been seriously injured.

The automobile accident attorneys at O’Connor, Runckel & O’Malley are well known and respected throughout the legal community and among our clients. From our offices in Contra Contra Costa County, San Francisco and Sacramento, we serve clients throughout Northern California. Our experience and expertise are available to you.

RICHMOND, CA – A female passenger in a vehicle that crashed while exiting the I-80 off-ramp passed away Sunday morning as a result of her injuries. The driver was arrested and is being held on suspicion of driving while under the influence, according to a spokesperson for the California Highway Patrol. CHP Officers arrived on the scene of the accident at 11:30 p.m., which was in close proximity to the Cutting Blvd. off-ramp from Highway 80 westbound. Officers responding came upon an overturned 2003 Lexus sedan.

The passenger, whose name is not being released at this time, was fully ejected from the vehicle, according to Officer Sean Wilkenfield of the CHP. An ambulance rushed her to the hospital, where she ultimately died as a result of her injuries.

Accident investigators concluded that she had not been wearing a seatbelt when the crash occurred, Wilkenfeld said.

Twenty-one year old Lexus Taylor, the driver, was also taken to the hospital after suffering major injuries in the accident, where officers determined that she was drunk. Taylor was put under arrest, but remains hospitalized in stable condition.

Vehicular manslaughter occurs when an individual recklessly causes the death of another person through the use of any type of motor vehicle. If you or a family member has been victimized by motor vehicle negligence and need to consult with an auto accident attorney located in the Bay Area, please reach out to us. We are available to answer any questions you have, advise you of your legal rights and how best to protect them. We at O'Connor, Runckel & O'Malley have more than 50 years of experience handling the litigation and going to trial representing victims of auto accidents. We have the right expertise along with a proven track record of prevailing in auto accident and wrongful death cases.

(Source: KRON 4 News )

Published on behalf of O'Connor, Runckel & O'Malley LLP