Thursday, March 30, 2017

Car Collision Does NOT Automatically Raise Rates - The Law

I had an insurance agent tell me "The insurance company is now raising rates if you are in a collision, regardless of fault." If you have heard this same thing, you want to read this -->

 The Law

This is one case where Utah has got your back. Due to insurance companies frivolously raising premiums, then searching for any justification, Utah Legislators put into law Section 31A-19a-212.  Which says:

(1)
Each rate, rating schedule, and rating manual filed for personal lines insurance may not permit a premium increase due to:
(a)
a telephone call or other inquiry that does not result in the insured requesting the payment of a claim; or

(b)
a claim under a policy of insurance covering a motor vehicle or the operation of a motor vehicle resulting from any incident, including acts of vandalism, in which the person named in the policy or any other person using the insured motor vehicle with the express or implied permission of the named insured is not at fault.

 Its Meaning

If you are in a collision where you are not at fault, it is illegal for the insurance company to raise your rates. If you call and open a claim, but the insurance company does not end up paying out, it is illegal for the insurance company to raise your rates. 

What You Should Do

If you are in a collision and the other person is at fault, WATCH YOUR PREMIUMS. If a few months after the collision you notice an increase in your rates, call your agent and tell them the law. You will most likely see your rates drop back down immediately. 

Stay safe and Drive on!


Tuesday, February 28, 2017

Defeating Liability Waivers



I'm talking about those waivers that pretty much every business makes you sign. You know which ones - the ones you never read but always sign. 

So what happens if you are injured after signing one of those? (I bet you never thought about that huh? Well, You can still recover. Here is how:


Some waivers are enforceable. So you may be out of luck. However, a liability waiver is not enforceable when it 
1. offends public policy;
2. is for activities within the public interest exception; OR
3. is unclear and ambiguous. (Pearce v. Utah Athletic Fund, AKA Boring legal citation).

1. What offends public policy? Almost nothing... Ok, not really. But it is hard to prove what public policy is in order to prove that it has been offended. Public policy is best proven by legislative actions, or statutes. Many statutes will tell you what their purposes are. Those purposes are considered public policy. 
      An example would be skiing. You sign a waiver for skiing, is it enforceable? No. That's because in the Utah Inherent Risks of Skiing Statute, the legislature said it is public policy to allow ski resorts to levy the burden of their negligence. A waiver, then, offends or contradicts that public policy. (whew, you're safe there.)
     Other examples: Product Liability within 78B-6-707; Construction liability under 13-8-1(2);  and Parent's waivers of childrens' rights under Hawkins v. Peart. 

2. What are activities within the public interest exception? Not something you likely do. These are public services. Need I say more? Here is a legal citation is you want it:  Berry v. Greater Park City Co., 2007 UT 87. Believe me, this exception does not apply to you. 

3. What is unclear and ambiguous? A lot. This is where the majority of the cases are won. A liability waiver is not valid unless it is unequivocal and can be easily understood by the average person. 

Besides a few exceptions, a liability waiver is usually enforceable. It is the age old battle between a contractual right and a tort liability right. As always, consult your attorney. 

Friday, February 24, 2017

You're Doing Auto Insurance Wrong!



I see the consequences of auto insurance mistakes every day. Here are the 3 mistakes you probably do!

1.   You have minimum PIP coverage -  What is PIP you may ask?  Well, PIP (Personal Injury Protection) is a coverage you already pay for - It is mandatory in Utah. You have to have it and it is a good thing. (more info here)
      One thing PIP pays for is Initial Medical Costs. In Utah, the minimum coverage is $3,000. Thats it! You know what that covers? -an ambulance ride or one ER visit. Choose one...  The average car collision costs $7,500 in medical bills, leaving you with $4,500 in bills.
      Heres the good thing - YOU CAN RAISE YOUR PIP! And you can do it for extremely cheap! We are talking a few dollars a month for $10,000 of coverage. Do that and you will start winning auto insurance. (Brush that shoulder player) --->

2.   Second Mistake, You Waived UIM or UM to save a few bucks. You big dumb idiot... UIM is Under-Insured Motorist Coverage. This is your protection when someone with low insurance limits hits you. UM is Uninsured Motorist Coverage. This is when someone with no insurance hits you. 
      Yesterday, this happened: My client was driving his car through an intersection. The Defendant ran the red light and T-boned him. BAM! Like Val Kilmer tackling cake.  My Client had an ambulance to the hospital and a dwarfing $35,000 in medical bills. After all that, here is the actual scary part - The Defendant had the state minimums for insurance coverage, only $25,000. That is the max my client can get from the defendant's insurance. I will repeat, my client, who was obeying traffic laws, can only get $25,000 from the defendant's insurance. Now What? He still has $10,000 in medical bills...
     Well, sadly, my client waived his UIM coverage to save money -  a whopping $5.14 per month! (smh) Had my client kept his UIM coverage, he would have had an additional $25,000 of protection, at least. So please, DO NOT WAIVE UIM/UM. The big mac you save per month is not worth what you give up. You're better than that!

3.   Lastly, you chose your coverage based off your premium. Unfortunately, all insurances are not created equally. Some pay you happily and others fight like Tyson. You want the one that pays you without hassle (hopefully that is obvious).   Those insurances tend to be more expensive. 
      The one that I have noticed to be the worst is Geico. My colleagues would add StateFarm and Farmers to that list. These companies actively look for reasons to avoid payment, to you, their client! Again, you deserve better. 


Thanks for reading and Drive On!

Monday, April 11, 2016

Skiing or snowboarding in Utah? The law you NEED to know!



Utah is supposed to be the greatest snow on earth. Unfortunately, Utah's legislation protects that at your expense.   


It is left to you to protect yourself. These three nuggets of information should help you do just that:


1. You know those liability waivers on the backs of you ski passes? 

The ones you always sign but never read? Well guess what, they are not enforceable!  That's so important, I'm going to repeat it: ski resort liability waivers are not enforceable. 

Currently, the law says that the ski resorts give up this ability to waive liability by enforcing the Inherent Risks of Skiing Act. 

2. The Utah Inherent Risks of Skiing Act protects the resorts from suits arising out of dangers that are integral characteristics of skiing. (Confusing?)

In other words, if the risk that caused your injury, is something that skiers generally want to encounter, then the resort is not liable

For example, if you get hurt because you lost control going down a steep hill, or went off a jump and wrecked, or hit an ice patch, the resort is not liable.   Jumps, hills, moguls, and etc. are things that most skiers want to encounter. The resort is not liable for you injuring yourself because of those risks.
Don't be this guy!

This law precludes a large number of suits because the majority of skiing injuries are the fault of the skier. For example, when I was 16, I thought I was super cool so I thought to hit a jump on a school-ski-day. Well, the jump was bumpy just before the lip, causing me to lose my balance, go off the jump torqued sideways, land on my shoulder and break my collarbone. (owww but still cool...) The resort was not at fault for this and the law would prevent a suit.

There are things that the resort is liable for: like negligent warnings or negligent design. For example: If there is a blind hill, or merging trail that the resort does not warn you about with proper signage, then the resort can be held liable. Also, resorts can be sued for negligent lift maintenance or management. 

3. Lastly, You are personally liable for collisions on the mountain. 

Just like a car accident, if you cause a collision by negligently skiing or disobeying the right of way, you are personally liable for it. A good rule of thumb is: the person in front of you always has the right of way. 
The good thing is that your homeowners insurance or travelers insurance will indemnify your liability for skiing collisions. (This means they pick up the bill.)

The summarizing takeaway is:  Regardless of a liability waiver, you can sue the ski resort so long as the collision was not caused by your own negligence. 

Stay foolish and ski on!

Monday, September 14, 2015

Little-known Utah Law can save you a huge headache!


Lets make that post-collision headache a little more bearable:

I meet with people every day to educate them on a Utah Law rarely known - Its called "P.I.P."


         This fun acronym stands for Personal Injury Protection. When you are in an auto accident, it is your best friend.   This is how it works:

YOUR FACTS (should you choose to accept them): You are driving your car, going the speed-limit, obeying the traffic laws, then SMASH!!  Another car hits you out of nowhere. Its not your fault. You were the victim. What happens now?...



First, you need to call your auto insurance company. "But it wasn't my fault, why would I call MY insurance company?" - Because PIP is coverage under YOUR policy. It is specifically designed for accidents that are NOT your fault. (Don't worry, it doesn't raise your premiums.) Call your insurance and get the claim number.

Second, your insurance company pays out the PIP benefits, which are: 1. initial medical costs ($3000 is the state minimum); 2.   85% of your lost wages, up to $250 per week; 3. $20 per day for household services that you can't do.  These three benefits are separate and readily available. (use it or lose it)

Third, the magic happens... Your insurance will actually go after the "at fault" party's insurance to be reimbursed. They usually do this 6 months down the road, and don't need to involve you. This means,  your insurance company pays you the PIP benefits with no consequence to you. Your rates DO NOT RAISE. They do this because they get their money back from the insurance company of the Jerk that hit you. His insurance pays your PIP benefits in the end.



So, if you are in an auto accident, avoid the headache that the other driver's insurance company will give you, just CALL YOUR INSURANCE. If you need to go to the hospital, GO! All of your initial medical bills are covered. If you need to miss work to heal, MISS IT! Your lost wages are covered. If you need to hire a neighbor boy to mow your lawn, HIRE HIM!




P.S.  -- PIP is mandatory in Utah. So, Yes, you have it.

Wednesday, May 20, 2015

Utah Traffic Code 41-6a Important Regulations

Traffic Code 41-6a

A.    41-6a-1: Definitions
a.       Highway – the entire width between property lines of EVERY way or place of any nature when ANY part of it is open to the use of the public as a matter of right for vehicle travel.
                                                              i.      This means that if there is a portion of property that is designated for public travel, that entire property is considered to be the highway.
1.      Likely – the shoulder, the field between intersection lanes,
2.      Possibly – sidewalks if property lines include it.
B.     41-6a-201
a.       Operation of vehicles means only the operation of vehicles on a highway
                                                              i.      Meaning: the traffic code only regulates the vehicles that are driving on the property described previously – highways, public access with the right to travel by vehicle.
                                                            ii.      This is a case where you would want the highway to stop at the sidewalk if you only drive on the sidewalk and do not want to be regulated by the traffic laws – like if you only ride your bike on the sidewalk
1.      But if you ride your bike on the street, then you are regulated by this traffic laws – you have to do everything that a car would do.
2.      On a bike, you have to stop at a red light, you have to yield to pedestrians, you have to signal, etc.
b.      EXCEPTIONS:
                                                              i.      When specifically identified
                                                            ii.      Under accident responsibilities
                                                          iii.      Under DUI and Reckless driving
C.     41-6a-202
a.       Police must record on the citation that the traffic violation resulted in a collision that resulted in serious bodily injury or death of the victim.
D.    41-6a-203
a.       Any person falsely, fraudulently, forcibly, or willfully induces, coerces, requires, permits, or directs another to violate a traffic crime is guilty of the crime
                                                              i.      Meaning: if you are entering into road rage wars (star wars case) then you could be guilty of the same offense
1.      Not always – must cause, induce, or coerce. Coerce is usually a pretty high standard. Cause leaves room for interpretation. Induce is also a high standard.
2.      Even if this is not the legal definition, the jury would likely consider this to mean that the driver was also guilty of doing the same thing (although the jury would already place liability on the driver for provoking the incident)
a.       Can I, in trial, allude to the idea that the D should have gotten a ticket by the law, even though he did not???
E.     41-6a-205
a.       Except as specifically exempted, this traffic code applies to any state, city, government vehicle operator.
                                                              i.      Meaning that police cannot break the traffic laws (unless specifically exempted)
F.      41-6a-207
a.       Local law enforcement can enact additional regulations so long as not in conflict with these.
G.    41-6a-208
a.       Local highway authority cannot:
                                                              i.      Prohibit or restrict the use of a cell phone by the operator or passenger of a motor vehicle.(3)(b)
                                                            ii.      Prohibit a bike on public street UNLESS
1.      Documented that the local authority has reviewed the safety history of the highway, considered reasonable alternatives, including signage. AND
2.      Clearly marked a safe alternative route for the prohibited section of the highway
a.       So you cant say no bikes allowed here unless there is an alternative way that is reasonable (and the legislature has documents showing that it is unsafe to go on the highway)

b.      Any ordinance is not effective for traffic control unless proper signs are erected.

Friday, May 15, 2015

Dog Bite? - Top 8 questions answered here.


Dogs Bite. It's in their nature. So what do you do when it happens? 


 Here are a couple of the most common questions you face when dealing with a dog bit:



1. What do I do if I am bitten by a dog?

Seek medical attention. Hopefully that goes without saying. At the hospital, they will need to know if it was a dog bite to treat you properly. They also are required to make a report and notify animal control. Animal control will make a report and decide to quarantine the dog.


2. What are my rights?

If you, or your minor child has been attacked by a dog, you have the right to be made whole. This means that you have the right to be placed back in the original position as before the bite.  So, everything that resulted from the dog bite should not have happened - Doctor bills, shots, any scarring, and especially the pain and suffering.

The average recovery for a dog bite is $35,000. Some bites are worse than others, leaving children with permanent disabilities and scarring. It is always important to get an attorney to represent you.

3. Who is responsible to pay for my injuries?

The owner of the dog is strictly liable for the injuries caused by the dog. This does not mean that you can provoke the dog. But  it does mean that you do not have to prove that the dog had a vicious nature.

4. Who pays for my injuries?

Although the owner of the dog is liable, his homeowner's insurance will indemnify the dog owner. This means that just like auto-insurance, it pays for your treatment and injuries. This also means, just like auto insurance, you need to make a claim to the insurance company. 

One of the first things you should do is call the dog-owner's homeowners insurance and make a claim. Usually, every homeowners insurance policy includes a medpay - which will pay up to $1000 for your ER visit and treatment. 

5. What if I am bitten by more than one dog?

The Dog Bite law in Utah is different from any other law in Utah because it says owners are severally liable for the injury caused by more than one dog.

This means that if two dogs, each with different owners attack you, you can recover the full amount from EITHER owner. This is important when one owner has homeowner's insurance and the other does not.

6. Can you defend against a vicious dog? If so, are you liable?

By law, you can injure or kill a dog if it is attacking you, or another person. Also, you are justified in killing a dog if it is attacking a domestic animal that has commercial value - like another dog or cat. HOWEVER, you cannot kill the dog if your domestic animal has NO commercial value, regardless how much sentimental value it has.

Also, by law, you are justified in killing a dog that is attacking a hoofed protected wildlife.

7. What about police dogs?

If the police dog has been trained to assist in law enforcement and the injury occurs while the dog is reasonably and carefully being used in the apprehension, arrest, or location of a suspected offender or in maintaining or controlling a public order, then the police are not liable for those injuries. 
If the dog is not being used reasonably or carefully, or if the dog is not being used to actually arrest or track down a criminal, then the police are liable for the injuries caused by the police dog. 

8. Where are Utah's Dog Bite Laws?

Utah's Dog bite laws are enumerated in the Utah Code Title 18.  Happy reading :)


via GIPHY