The Harper Law Blog

The Harper Law Blog offers news, announcements, thoughts and articles on life, law and our practice areas of emphasis.

Choosing the Right Insurance Company and Coverages

Posted Friday, April 03, 2015 by Ed Harper

A friend of mine recently asked if she could lower her insurance coverage. Here are some of my thoughts:

Not all Insurance Companies are Equal

First, not all insurance companies are equal. Some handle their claims better than others. And a first party insurance (your insurance) has a greater obligation to treat you with good faith and fair dealing than say a third party insurance (the at fault company). There is assumed to be an adversarial relationship with a third-party insurer. So, don’t be swayed by a cute little gecko who has a funny Australian accent - they are not in the business to give you anything, least of all, good customer service. Because they are more interested in making money than caring about their image if you are a claimant.

What Amount of Coverage do I need?

Second, I the amount of insurance coverage you have for bodily injury, for your liability coverage, is an amount of money that will adequately protect what you own. You need insurance for the amount of assets that you guys are trying to protect.

Liability Coverage is Only One Form of Coverage You Should Have

Third, I would try and keep PIP (personal injury protection) and especially UIM (uninsured or underinsured motorist) as high as possible. These coverages are in essence a form of self-insurance. PIP provides medical and wage loss (and a few other things) and UIM protects you guys with a relatively cheap form of coverage. These coverages are vastly important because I have seen some truly injured people really need more insurance when the other driver doesn’t have enough insurance. For example, UIM coverage stacks on top of the amount of coverage of the at-fault insurance coverage.

Let your Fingers do the Walking and Get Several Quotes

Finally, my suggestion to my friend was to shop around, and get some different quotes from a variety of insurance companies. This allows you to see how much another insurance company would charge for the same amount of coverage.

Just my thoughts. If you have any questions or concerns about your insurance coverage from a personal injury, give Harper Law a call.

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Insurance Companies Software Utlized to Lower Settlements

Posted Friday, March 20, 2015 by Ed Harper

Recently, personal injury claims are being handled today much differently than they had been in the past. With the advent of Colossus, (created by Computer Sciences Corporation - CSC) and other claims handling software, are cost containment tools being utilized by numerous insurance companies to lower claim values. (A majority of this information was gleaned from an article written by Consumer Federation of America. http://www.consumerfed.org

This is how it works, generally:

The insurance company sets a benchmark - a consensus on the value of personal injury claims.

Insurance company then reviews their settlement numbers for claims.

Insurance company then sets a settlement range - fine tuning their system.

In this case, the CSC software Colossus, has 600 injury codes, and the software then sets a value - a $ amount for each severity point.

The particular region (State, County, City) does have an impact on claim value. This is factored in as well.

The diagnostic codes are used that were utilized by the physicians and health care providers. This are typically ICD-9 or ICD-10 codes. ICD stands for: The International Classification for Diseases.

The final prognosis, rendered by the physician or other health care provider is reviewed and ascertained. IF there is a need for future treatment, are there any ongoing complaints or have the complaints resolved? These questions help determine the range the computer program will provide to the adjuster.

Other important points include the following: Medications, diagnostic testing, hospitalization, admissions, physical therapy, restriction of movement, pain, and other factors as well.

the program will consider the special damages in the claim. These include the following: Medical bills; Lost wages; Future medical treatment needed; Future lost wages; out of pocket expenses.

Disfigurement or scarring.

Was there a permanent impairment rating.

Any aggravation of pre-existing conditions or injuries?

What was the length of treatment? Certainly the longer the care, the higher the value, or one would think.

Any gaps in treatment? A gap in care is always detrimental to a plaintiff’s claim. With these factors, a range is established. The adjuster, who formerly had a vast amount of freedom up to his or her authority, is giving a range to settle the claim. Usually within a range of 20% or so.

So, if you have any questions or concerns about your personal injury claim, and how it is being evaluated, don’t hesitate to give us a call at Harper Law PLLC.

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Common Area injury - Burden of Proof on Plaintiff

Posted Friday, August 16, 2013 by Ed Harper

Recently, Division One of the Washington Court of Appeals denied a plaintiff’s product liability claim. The case arose when the plaintiff was injured after she fell to the ground while sitting in a patio chair which collapsed for an unknown reason. The plaintiff was injured while a tenant at an apartment complex. Plaintiff struck her head on the concrete flooring. This occurred in a common area controlled by her landlord and/or the property manager. The plaintiff did not know why the 4-5 year old chair collapsed, but alleged the chair was defective, and/or not properly maintained by the owner and/or property manager.

The injured tenant retained counsel. Her attorney requested the chair be kept and secured in order to investigate this claim at a later date. The attorney sent a letter which was delivered to the property manager of the apartment complex to maintain the chair. The property management company (Wallace Properties) maintained and did secure the chair. The chair was allegedly kept in a storage closet.

Subsequently, the property manager was replaced by a new property manager, and the chair disappeared. The chair was not discovered prior to filing suit. In sum, without the chair, the plaintiff was precluded from conducting any tests to determine why the chair collapsed.

The former property manager was named as a defendant. Another defendant was incorrectly named as the landowner. A summary judgment motion was filed by the property manager. The property manager claimed they did not have actual or constructive notice of the condition of the chair and therefore could not be held responsible. The alleged owner also brought a motion for summary judgment claiming they were not the actual owners of the property at the time of the chair incident.

The legal standard holds that a landowner (and property manager) is liable for harm to a tenant when the landowner “knows or by the exercise of reasonable care would discover the condition and should realize that it involves an unreasonable risk of harm to tenants” Musci v. Graoch Assocs. Ltd. P’ship No. 12, 144 Wn.2d 847, 855, 31 P.3d 684 (2001) citing Restatement (Second) of Torts section 343. (1965). Here in Washington, the court articulated the standard for knowledge – requires the “actual or constructive notice of the unsafe condition”. Iwai, 129 Wn.2d at 96.

The plaintiff failed to convince the trial court and the appellate court, that because the chair was missing and not maintained, they should not have to meet their burden of proving the chair was defective and/or improperly maintained. The plaintiff suggested the disposal of the chair was negligent and tantamount to destruction of the key piece of evidence, which precluded the plaintiff from proving their case.

The court was not convinced and the plaintiff’s case was dismissed for lack of evidence. Without the chair, the plaintiff was hamstrung and lacked the crucial piece of evidence. Also, there was nothing to show the property manager had actual or constructive knowledge of the defectiveness of the item. Also, the correct owner was never named, and the plaintiff failed to satisfy their burden of proof. The chair was never tested nor was there evidence of any knowledge on the part of the defendants.

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What you need to prove for medical negligence claims

Posted Tuesday, July 23, 2013 by Ed Harper

A former client recently asked me if she had a claim for medical malpractice. This is what i told her: It is possible there is a claim for medical negligence for the failure to provide adequate treatment for you. However, I wanted to go over some details of what is takes to win a case like this, and then we can chat.

Initially, medical negligence cases (or med. mal.) are very difficult against physicians and hospitals. The medical community typically wants to litigate every possible issue, and they have a host of attorneys willing to defend them. One reason is that a physician (who is the captain of the ship) has to personally authorize a settlement. And to do this, he or she is aware their insurance rates are going to go up. Ob/gyn rates are some of the highest for any specialty.

Secondly, the medical records become the “evidence” as to what occurred in the facility. These can be corrupted and items are either inserted or deleted in order to help the physician or facility. But, if you would request your records for the time in question, that would provide the necessary first step in evaluating your claim.

Third, to win a negligence case, you have to prove the standard of care for the particular issue was “breached” by either the physician or the facility. To do this you need an expert to come forward (they are not cheap) and tell us. Then the expert must be willing to testify that the doctor or facility did not meet the requisite standard of care.

Assuming, you have a breach, then you have to establish the “mistake or breach” was the proximate cause of the problems you suffered or continue to suffer from. A problem often arises if a person would have had a medical issue anyway, even without the failure to act appropriately.

Then, assuming you have a breach, and proximate cause, you have to have “damages – the harm caused by the defendants mistake – that make the case worth everyone’s time and effort knowing the defendants will defend at every level. Thus, you can have the first two elements, but not sufficient damages.

I’d love to explain these steps if you have any questions, and I’m sorry you went through what you did.

There is a statute of limitations which limits the amount of time to file a claim. In Washington, this typically is 3 years from the date of injury so a claim would have to be filed by that date to protect the statute.

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Unauthorized practice of law - a couple recent court decisions

Posted Wednesday, May 22, 2013 by Ed Harper

I provided some instruction regarding the practice of law in the State of Washington and found [two (2) recent cases] that shed light on the “unauthorized” aspect of this phrase. The term or definition of “practice of law” is “(t)he rendition of services requiring the knowledge and application of legal principles and technique to serve the interests of another with his consent”. Edwards v. Hert, 504 P.2d 407, 416. This means in a sense, if one is going to be advising and then acting for another, they should be prepared and trained and thus have the necessary skill and understanding of a trained professional.

A person may represent themselves in any legal situation. The Latin terms “Pro Se” or “Pro Per” means acting “for one’s self” or “for himself”. Courts will often allow one to advocate or argue their own position. This is not “illegal” but does have other problems. However, as the adage goes, “one who represents themselves, may have a fool for a client”.

The pro se exception does not apply to a layperson who receives some form of compensation for such legal services. This means that a person may not represent another, or provide any type of advice similar to what an attorney would provide. In Bowers v. Transamerica, 100 Wn.2d 581, 675 P.2d 193 (1983) the court held that non-lawyers who practice law without a license are liable for mistakes as if they were lawyers. This means, if a person convinces another to follow their mistaken advice, they stand in position to be sued. The non-lawyer would be held to a standard just as a lawyer. The term, “Professional Negligence” is a term of art for a person who has the special skills (a doctor, lawyer, accountant, etc.) and is required to possess and exercise the knowledge and skill of a member of the profession.

The unauthorized practice of law can be found in both civil and criminal law.

The unauthorized practice of law can be utilized as a defense to avoid a contract with a non-lawyer. In an unpublished case decided in 2013, Spoelstra v. Gahn, No. 67141-3-I the Court of Appeals of the State of Washington upheld the trial court’s finding of Daniel Gahn’s liability to Mr. and Mrs. Spoelstra. Mr. Gahn (a non-lawyer) had performed some legal work and then convinced the Spoelstra’s to sign over a promissory deed on property they owned, in exchange for attorney fees for work he had performed and would perform in the future, even though he was not an attorney. The court held Mr. Gahn was not entitled to any attorney fees, and quieted title on the Spoelstra’s property as Mr. Gahn was not a lawyer. Thus, Mr. Gahn could not enforce the alleged contract as he was practicing law without a license.

Additionally, one can be prosecuted by the State for the unauthorized practice of law. In State v. Janda, No. 68456-6-I (2013) the Court of Appeals Div. 1 upheld the conviction of Steven Janda (a non-lawyer) for two (2) counts of unlawful practice of law and two (2) counts of first degree theft. Mr. Janda while running a business called “Evergreen Paralegal Services” provided estate planning advice and prepared legal documents as well. The State charged Mr. Janda with practicing law without a license, and theft. He decided to represent himself in this criminal matter and he was found guilty on these four (4) counts.

Mr. Janda’s primary argument was that he could not be charged with violating the “unauthorized practice of law” statute as he was never an attorney. Thus, he did not fall within the plain meaning of the term “not active attorney”. The appellate court was not persuaded with this argument, and upheld the conviction from the trial court.

Hopefully, Mr. Janda will learn his lesson and stop providing legal advice as he is not licensed to do so.

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