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    <title>Washington Injury Lawyer Blog</title>
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   <id>tag:,2010:/143</id>
    <link rel="service.post" type="application/atom+xml" href="http://www.washingtoninjurylawyerblog.com/cgi-bin/mt-atom.cgi/weblog/blog_id=143" title="Washington Injury Lawyer Blog" />
    <updated>2010-06-07T21:31:05Z</updated>
    <subtitle>Published by Williams Law Offices, PLLC</subtitle>
    <generator uri="http://www.sixapart.com/movabletype/">Movable Type 3.33</generator>
 
<entry>
    <title>Evidence for Homeowner’s Claims</title>
    <link rel="alternate" type="text/html" href="http://www.washingtoninjurylawyerblog.com/2010/06/evidence_for_homeowners_claims.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.washingtoninjurylawyerblog.com/cgi-bin/mt-atom.cgi/weblog/blog_id=143/entry_id=77890" title="Evidence for Homeowner’s Claims" />
    <id>tag:www.washingtoninjurylawyerblog.com,2010://143.77890</id>
    
    <published>2010-06-07T21:30:00Z</published>
    <updated>2010-06-07T21:31:05Z</updated>
    
    <summary>You’ve done your part and obtained homeowner’s insurance coverage or renter’s insurance. So if anything ever happens you’re taken care of, right? Well, not necessarily, especially when it comes to personal property issues or questions regarding the condition of your...</summary>
    <author>
        <name>John Williams</name>
        
    </author>
            <category term="Insurance" />
            <category term="Insurance Bad Faith" />
    
    <content type="html" xml:lang="en" xml:base="http://www.washingtoninjurylawyerblog.com/">
        <![CDATA[<p>You’ve done your part and obtained homeowner’s insurance coverage or renter’s insurance. So if anything ever happens you’re taken care of, right? Well, not necessarily, especially when it comes to personal property issues or questions regarding the condition of your house prior to a fire, flood or other event. Especially if your house was completely devastated by a fire. <img alt="House%20Fire.jpg" src="http://www.washingtoninjurylawyerblog.com/House%20Fire.jpg" width="160" height="106" align="right" /></p>

<p>While you may have coverage for personal property, it can become a monumental task to reconstruct all of your belongings. Maybe you have some documentation in a safe deposit box, or perhaps a retailer has information that you purchased that ring or television, but for the most part you will have to attempt to remember all of your property. At best, you may be able to remember half of what was actually lost. Think of all of the little items that you’ll forget. Maybe it’s something that was just worth a dollar, but there will be a lot of items worth a dollar, or five dollars that you will not get compensated for. </p>

<p>The solution? It’s easy. Videotape your house and everything in your house. I mean everything. Open drawers, open cabinets, open closets, go in the garage, leave nothing out of the video. It doesn’t have to be a masterpiece, just enough to help identify items and enough to help you itemize your property. So when you are videotaping, freely talk about what you are looking at, describe it, pick it up if necessary to get a better view. There may be some items that you want to take pictures of as well. If you own guns, they should ideally be in a fireproof safe or other safe location, and in addition to videotaping them, be sure to write down the serial numbers. If you have expensive jewelry, you may want to have it identified and appraised by a jeweler. I would suggest redoing the video every two to three years or when your personal property substantially changes.</p>

<p>All of the information must then be stored off site, at a relative’s house, your office etc. Not a lot of use in compiling all of this information and having it burn up in a fire. Also, as a side note, if you have important documents and/or photos on your home computer, get a back up drive and get that information backed up so it can be stored off site. Enduring a tragedy that takes your house is bad enough, don’t compound it by lack of preparation.<br />
</p>]]>
        
    </content>
</entry>
<entry>
    <title>Is It Really An Accident? (Part Two)</title>
    <link rel="alternate" type="text/html" href="http://www.washingtoninjurylawyerblog.com/2010/06/is_it_really_an_accident_part_1.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.washingtoninjurylawyerblog.com/cgi-bin/mt-atom.cgi/weblog/blog_id=143/entry_id=77829" title="Is It Really An Accident? (Part Two)" />
    <id>tag:www.washingtoninjurylawyerblog.com,2010://143.77829</id>
    
    <published>2010-06-03T23:12:56Z</published>
    <updated>2010-06-03T23:16:07Z</updated>
    
    <summary>(Continued From Part One) I believe that most “accidents”, or better stated, most car crashes/collisions, are completely preventable. When another driver slams his car into the back of your car, was he on the phone? looking for new music on...</summary>
    <author>
        <name>John Williams</name>
        
    </author>
            <category term="Car &amp; Truck Accidents" />
            <category term="Injuries To Minors and Children" />
            <category term="Motorcycle Accidents" />
    
    <content type="html" xml:lang="en" xml:base="http://www.washingtoninjurylawyerblog.com/">
        <![CDATA[<p>(Continued From Part One)</p>

<p>I believe that most “accidents”, or better stated, most car crashes/collisions, are completely preventable. When another driver slams his car into the back of your car, was he on the phone? looking for new music on his IPod? looking at the “accident” that occurred on the other side of the road? The list goes on and on. But the link between all of these reasons, is one of conscious choice, conscious decision. The driver that slams into the back of you, that runs the red light, that turns left in front of you, all made a conscious decision to do something other than paying complete attention to their driving. If your main focus while driving, is driving, I believe that the likelihood of you being involved in a car crash which is your fault, is slim to none. And as my Father used to say, Slim has left town.</p>

<p>Don’t we all have a duty, a moral obligation to ensure that while we are driving, we do not engage in an activity that could possibly result in injury to fellow drivers? I think so. So the next time we hop into our cars, why don’t we do something novel here in the Puget Sound area, lets focus on driving and getting to our destination without injuring ourselves or anyone else in the process.<br />
</p>]]>
        
    </content>
</entry>
<entry>
    <title>Is It Really An Accident? (Part One)</title>
    <link rel="alternate" type="text/html" href="http://www.washingtoninjurylawyerblog.com/2010/06/is_it_really_an_accident_part.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.washingtoninjurylawyerblog.com/cgi-bin/mt-atom.cgi/weblog/blog_id=143/entry_id=77825" title="Is It Really An Accident? (Part One)" />
    <id>tag:www.washingtoninjurylawyerblog.com,2010://143.77825</id>
    
    <published>2010-06-01T22:02:09Z</published>
    <updated>2010-06-01T22:40:01Z</updated>
    
    <summary>Yes, I&apos;ve been saying it for years, but I&apos;m not sure why. Car &quot;accident&quot;, truck &quot;accident&quot;, motorcycle &quot;accident&quot;. I think it&apos;s just learned habit, but probably not correct. Webster&apos;s Dictionary defines accident as: Main Entry: ac·ci·dent Pronunciation: \ˈak-sə-dənt, -ˌdent; ˈaks-dənt\...</summary>
    <author>
        <name>John Williams</name>
        
    </author>
            <category term="Car &amp; Truck Accidents" />
            <category term="Motorcycle Accidents" />
    
    <content type="html" xml:lang="en" xml:base="http://www.washingtoninjurylawyerblog.com/">
        <![CDATA[<p>Yes, I've been saying it for years, but I'm not sure why. Car "accident", truck "accident", motorcycle "accident". I think it's just learned habit, but probably not correct. <a href="http://www.merriam-webster.com/dictionary/accident">Webster's Dictionary</a> defines accident as:</p>

<p>Main Entry: ac·ci·dent <br />
Pronunciation: \ˈak-sə-dənt, -ˌdent; ˈaks-dənt\<br />
Function: noun <br />
Etymology: Middle English, from Middle French, from Latin accident-, accidens nonessential quality, chance, from present participle of accidere to happen, from ad- + cadere to fall — more at chance<br />
Date: 14th century<br />
1 a : an unforeseen and unplanned event or circumstance b : lack of intention or necessity : chance (met by accident rather than by design)<br />
2 a : an unfortunate event resulting especially from carelessness or ignorance b : an unexpected and medically important bodily event especially when injurious (a cerebrovascular accident) c : an unexpected happening causing loss or injury which is not due to any fault or misconduct on the part of the person injured but for which legal relief may be sought. </p>

<p>An unforeseen and unplanned event? An unfortunate event resulting from carelessness or ignorance? Maybe. An unexpected happening causing loss or injury which is not due to any fault or misconduct? I just don't think that slamming your car into the back of another car on I-5 in Seattle or Everett, is unforeseen, unplanned or not due to any fault. I suppose that's my problem with the term accident, it really infers that no one is at fault, it was just an accident. If you just slammed your car into the rear of another car, it sure sounds like you're at fault.... </p>

<p>(Part Two to follow)</p>]]>
        
    </content>
</entry>
<entry>
    <title>The Real Facts About &quot;The McDonald&apos;s Case&quot;</title>
    <link rel="alternate" type="text/html" href="http://www.washingtoninjurylawyerblog.com/2010/04/the_real_facts_about_the_mcdon.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.washingtoninjurylawyerblog.com/cgi-bin/mt-atom.cgi/weblog/blog_id=143/entry_id=74081" title="The Real Facts About &quot;The McDonald's Case&quot;" />
    <id>tag:www.washingtoninjurylawyerblog.com,2010://143.74081</id>
    
    <published>2010-04-16T23:50:46Z</published>
    <updated>2010-04-17T00:07:04Z</updated>
    
    <summary>Ok, I do roll my eyes whenever anyone starts talking about &quot;The McDonald&apos;s Case&quot;. So far, no one has ever come close to describing the real facts. I hope the following article will help to set the case straight. There...</summary>
    <author>
        <name>John Williams</name>
        
    </author>
            <category term="Attorney Fees" />
            <category term="Insurance" />
            <category term="Products Liability" />
    
    <content type="html" xml:lang="en" xml:base="http://www.washingtoninjurylawyerblog.com/">
        <![CDATA[<p>Ok, I do roll my eyes whenever anyone starts talking about "The McDonald's Case". So far, no one has ever come close to describing the real facts. I hope the following article will help to set the case straight.</p>

<p>There is a lot of hype about the McDonalds' scalding coffee case.  No<br />
one is in favor of frivolous cases of outlandish results; however, it is<br />
important to understand some points that were not reported in most of<br />
the stories about the case.  McDonalds coffee was not only hot, it was<br />
scalding -- capable of almost instantaneous destruction of skin, flesh<br />
and muscle.  Here's the whole story.</p>

<p>Stella Liebeck of Albuquerque, New Mexico, was in the passenger seat of<br />
her grandson's car when she was severely burned by McDonalds' coffee in<br />
February 1992.  Liebeck, 79 at the time, ordered coffee that was served<br />
in a Styrofoam cup at the drive-through window of a local McDonalds.</p>

<p>After receiving the order, the grandson pulled his car forward and<br />
stopped momentarily so that Liebeck could add cream and sugar to her<br />
coffee. (Critics of civil justice, who have pounced on this case, often<br />
charge that Liebeck was driving the car or that the vehicle was in<br />
motion when she spilled the coffee; neither is true.)  Liebeck placed<br />
the cup between her knees and attempted to remove the plastic lid from<br />
the cup. As she removed the lid, the entire contents of the cup spilled<br />
into her lap.</p>

<p>The sweatpants Liebeck was wearing absorbed the coffee and held it next<br />
to her skin.  A vascular surgeon determined that Liebeck suffered full<br />
thickness burns (or third-degree burns) over 6 percent of her body,<br />
including her inner thighs, perineum, buttocks, and genital and groin<br />
areas.  She was hospitalized for eight days, during which time she<br />
underwent skin grafting. Liebeck, who also underwent debridement<br />
treatments, sought to settle her claim for $20,000, but McDonalds<br />
refused.<br />
</p>]]>
        <![CDATA[<p><u>The Real Facts About "The McDonald's Case" Continued</u></p>

<p>During discovery, McDonalds produced documents showing more than 700<br />
claims by people burned by its coffee between 1982 and 1992. Some claims<br />
involved third-degree burns substantially similar to Liebecks. This<br />
history documented McDonalds' knowledge about the extent and nature of<br />
this hazard.</p>

<p>McDonalds also said during discovery that, based on a consultants<br />
advice, it held its coffee at between 180 and 190 degrees Fahrenheit to<br />
maintain optimum taste.  He admitted that he had not evaluated the<br />
safety ramifications at this temperature.  Other establishments sell<br />
coffee at substantially lower temperatures, and coffee served at home is<br />
generally 135 to 140 degrees.</p>

<p>Further, McDonalds' quality assurance manager testified that the company<br />
actively enforces a requirement that coffee be held in the pot at 185<br />
degrees, plus or minus five degrees.  He also testified that a burn<br />
hazard exists with any food substance served at 140 degrees or above,<br />
and that McDonalds coffee, at the temperature at which it was poured<br />
into Styrofoam cups, was not fit for consumption because it would burn<br />
the mouth and throat.  The quality assurance manager admitted that burns<br />
would occur, but testified that McDonalds had no intention of reducing<br />
the "holding temperature" of its coffee.</p>

<p>Plaintiffs' expert, a scholar in thermodynamics applied to human skin<br />
burns, testified that liquids, at 180 degrees, will cause a full<br />
thickness burn to human skin in two to seven seconds.  Other testimony<br />
showed that as the temperature decreases toward 155 degrees, the extent<br />
of the burn relative to that temperature decreases exponentially.  Thus,<br />
if Liebeck's spill had involved coffee at 155 degrees, the liquid would<br />
have cooled and given her time to avoid a serious burn.</p>

<p>McDonalds asserted that customers buy coffee on their way to work or<br />
home, intending to consume it there. However, McDonald’s own research<br />
showed that customers intend to consume the coffee immediately while<br />
driving.</p>

<p>McDonalds also argued that consumers know coffee is hot and that its<br />
customers want it that way.  The company admitted its customers were<br />
unaware that they could suffer third-degree burns from the coffee and<br />
that a statement on the side of the cup was not a "warning" but a<br />
"reminder" since the location of the writing would not warn customers of<br />
the hazard.</p>

<p>The jury awarded Liebeck $200,000 in compensatory damages.  This amount<br />
was reduced to $160,000 because the jury found Liebeck 20 percent at<br />
fault in the spill.  The jury also awarded Liebeck $2.7 million in<br />
punitive damages, which equals about two days of McDonalds' coffee<br />
sales.</p>

<p>Post-verdict investigation found that the temperature of coffee at the<br />
local Albuquerque McDonalds had dropped to 158 degrees Fahrenheit.</p>

<p>The trial court subsequently reduced the punitive award to $480,000 --<br />
or three times compensatory damages -- even though the judge called<br />
McDonalds' conduct reckless, callous and willful.</p>

<p>No one will ever know the final ending to this case. The parties eventually<br />
entered into a secret settlement  which has never been revealed to the public,<br />
despite the fact that this was a public case, litigated in public and subjected to <br />
extensive media reporting. Such secret settlements, after public trials, should not be condoned.<br />
-----<br />
excerpted from ATLA fact sheet.</p>]]>
    </content>
</entry>
<entry>
    <title>Allstate&apos;s CEO Pay Increased to 10.4 Million in 2009</title>
    <link rel="alternate" type="text/html" href="http://www.washingtoninjurylawyerblog.com/2010/04/allstates_ceo_pay_increased_to.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.washingtoninjurylawyerblog.com/cgi-bin/mt-atom.cgi/weblog/blog_id=143/entry_id=73277" title="Allstate's CEO Pay Increased to 10.4 Million in 2009" />
    <id>tag:www.washingtoninjurylawyerblog.com,2010://143.73277</id>
    
    <published>2010-04-07T18:02:56Z</published>
    <updated>2010-04-07T18:09:51Z</updated>
    
    <summary>Here&apos;s an interesting AP story which I think really shows what motivates Allstate Insurance: NEW YORK (AP) — Allstate Corp. CEO Thomas J. Wilson received total compensation valued at $10.4 million in 2009, up about 30% from a year earlier, according...</summary>
    <author>
        <name>John Williams</name>
        
    </author>
            <category term="Car &amp; Truck Accidents" />
            <category term="Insurance" />
            <category term="Insurance Bad Faith" />
    
    <content type="html" xml:lang="en" xml:base="http://www.washingtoninjurylawyerblog.com/">
        <![CDATA[<p>Here's an interesting AP story which I think really shows what motivates Allstate Insurance:</p>

<p>NEW YORK (AP) — Allstate Corp. CEO Thomas J. Wilson received total compensation valued at $10.4 million in 2009, up about 30% from a year earlier, according to a regulatory filing.</p>

<p>The pay raise for Thomas Wilson came as the property and casualty insurer stanched steep investment losses to help post a profit for the full year. Wilson had earned $7 million in the previous year, according to an Associated Press analysis of a filing with the Securities and Exchange Commission.</p>

<p>In 2009, Wilson earned a base salary of $1.1 million, which was an increase of 6 percent. His performance-based compensation was $1.7 million, more than double the $736,261 he got in 2008.</p>

<p>Wilson also got stock and options worth $6.5 million when they were granted, compared with $5.2 million in 2008.</p>

<p>His other perks and compensation totaled $68,072 and consisted of $23,154 for personal use of a company plane and $9,800 in matching contributions to a retirement plan. The remaining $35,118 was for miscellaneous items including life insurance premiums, cell phones, tax preparation, financial planning, security, ground transportation and supplemental long-term disability coverage.</p>

<p>For 2009, Allstate said better risk management in its investment portfolio helped it earn $854 million, or $1.58 per share, compared with a net loss of $1.68 billion, or $3.06 per share, in 2008.</p>

<p>In the final quarter of 2009 alone, Allstate posted a profit of $518 million, or 96 cents per share, a great improvement over its a loss of $1.13 billion, or $2.10 per share, in the period a year earlier.</p>

<p>Allstate's operating income, which excludes investment gains and losses, rose 14 percent to $592 million, or $1.09 per share, versus a profit of $518 million, or 96 cents per share, a year ago.<br />
</p>]]>
        
    </content>
</entry>
<entry>
    <title>Emailing Your Doctor - Great, right?</title>
    <link rel="alternate" type="text/html" href="http://www.washingtoninjurylawyerblog.com/2009/12/emailing_your_doctor_great_rig.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.washingtoninjurylawyerblog.com/cgi-bin/mt-atom.cgi/weblog/blog_id=143/entry_id=63381" title="Emailing Your Doctor - Great, right?" />
    <id>tag:www.washingtoninjurylawyerblog.com,2009://143.63381</id>
    
    <published>2009-12-04T19:31:45Z</published>
    <updated>2009-12-04T20:02:03Z</updated>
    
    <summary>You have to love those Group Health commercials touting how great it is that a patient can actually email their doctor. Traditionally, the information contained in a patients medical record was dictated by the doctor into their record as the...</summary>
    <author>
        <name>John Williams</name>
        
    </author>
            <category term="Car &amp; Truck Accidents" />
            <category term="Injuries To Minors and Children" />
            <category term="Motorcycle Accidents" />
    
    <content type="html" xml:lang="en" xml:base="http://www.washingtoninjurylawyerblog.com/">
        <![CDATA[<p>You have to love those Group Health commercials touting how great it is that a patient can actually email their doctor. Traditionally, the information contained in a patients medical record was dictated by the doctor into their record as the result of a face to face consultation, or sometimes from a phone note if you called in. The information that made it into a medical record as a result of a consultation, for the most part, is usually factually correct and a true representation of what the patient told the doctor.</p>

<p>However, email is a different animal. How many times have you either sent, or been the recipient of an email that was interpreted differently than what the sender intended? In conversations, there is tone and inflection that allow the recipient to clearly understand your mood etc. Are you conveying that you're upset, angry, happy, sad or maybe you're throwing in a bit of sarcasm. Without tone and inflection, it's up to the recipient to fill in the missing blanks, and often they get it wrong. And then you end up attempting to explain that their interpretation isn't what you meant and that they took it completely wrong.</p>

<p>Now lets take those emails (or letters and diaries for that matter) that you sent into your doctor and they are now in the hands of an insurance defense lawyer because you were in an auto accident or otherwise injured due to the fault of another person. Do you think that the defense lawyer can interpret your email to suit his or her purpose? You bet they can. And then you are put in a position where it appears you are either contradicting what you wrote or trying to explain what that email really meant.</p>

<p>I am sure that the ability to email your doctor can be valuable, but be cautious and understand the pitfalls that can occur with that type of communication. Also, remember that this applies to not only email, but any type of written correspondence, even a diary you may keep regarding your injuries. </p>]]>
        
    </content>
</entry>
<entry>
    <title>Products Liability? Save The Product!</title>
    <link rel="alternate" type="text/html" href="http://www.washingtoninjurylawyerblog.com/2009/11/products_liability_save_the_pr.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.washingtoninjurylawyerblog.com/cgi-bin/mt-atom.cgi/weblog/blog_id=143/entry_id=61451" title="Products Liability? Save The Product!" />
    <id>tag:www.washingtoninjurylawyerblog.com,2009://143.61451</id>
    
    <published>2009-11-11T23:32:00Z</published>
    <updated>2009-11-11T23:56:54Z</updated>
    
    <summary>If you are injured by a defective product, please be sure to save the product and not throw it away or otherwise get rid of it. This may sound like common sense, but after a person sustains a serious injury...</summary>
    <author>
        <name>John Williams</name>
        
    </author>
            <category term="Car &amp; Truck Accidents" />
            <category term="Products Liability" />
    
    <content type="html" xml:lang="en" xml:base="http://www.washingtoninjurylawyerblog.com/">
        <![CDATA[<p>If you are injured by a defective product, please be sure to save the product and not throw it away or otherwise get rid of it. This may sound like common sense, but after a person sustains a serious injury from a defective product, the last thing on their mind is essentially preserving evidence. But without the defective product, it is very difficult, and sometimes impossible to proceed with a products liability claim.</p>

<p>In a recent unfortunate case, a young man was severely and permanently injured by an airbag. He was a passenger in the car of a friend. Because of the severity of his injury, he and his family were focused on his car and multiple surgeries. However in the meantime and before I was contacted, his friend's car was totaled and sent off to the salvage yard. And unfortunately for his products liability claim for the defective airbag, without the car and without the airbag, there was simply no viable claim to pursue.</p>

<p>So with any products liability claim, please ensure that the product is saved and contact an experience products liability attorney immediately to ensure that all necessary steps are taken to preserve the claim. </p>]]>
        
    </content>
</entry>
<entry>
    <title>Allstate Insurance Is At It Again….</title>
    <link rel="alternate" type="text/html" href="http://www.washingtoninjurylawyerblog.com/2009/09/allstate_insurance_is_at_it_ag_1.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.washingtoninjurylawyerblog.com/cgi-bin/mt-atom.cgi/weblog/blog_id=143/entry_id=55848" title="Allstate Insurance Is At It Again…." />
    <id>tag:www.washingtoninjurylawyerblog.com,2009://143.55848</id>
    
    <published>2009-09-11T19:41:21Z</published>
    <updated>2009-09-11T19:49:26Z</updated>
    
    <summary>So you have comprehensive coverage that provides coverage in the event your car is stolen. Your car is stolen by some juveniles that went on a long joyride until caught by police. During the course of the theft and their...</summary>
    <author>
        <name>John Williams</name>
        
    </author>
            <category term="Insurance" />
            <category term="Insurance Bad Faith" />
    
    <content type="html" xml:lang="en" xml:base="http://www.washingtoninjurylawyerblog.com/">
        <![CDATA[<p>So you have comprehensive coverage that provides coverage in the event your car is stolen. Your car is stolen by some juveniles that went on a long joyride until caught by police. During the course of the theft and their joyride, the engine blows and the car is now a total loss. Your insurance company simply pays you for the value of your car, right? Well, no. </p>

<p>Allstate Insurance insured my client for comprehensive coverage, but claimed that the real cause of the engine blowing was her failure to maintain the car. Allstate actually hired an expert to inspect the engine and miraculously come to the same determination. My client’s car did have an oil leak, but she had regular maintenance performed and ensured that the oil level was always correct. After all, the engine never blew when she was driving. In fact, she had her car serviced and the oil changed one month prior to the theft.</p>

<p>The Good Hands people would not budge from their completely unreasonable position, so we were forced to file a lawsuit. <a href="http://www.washingtoninjurylawyerblog.com/Filed%20Complaint.pdf" target="_blank" ><strong><u>Copeland v. Allstate Insurance Co.</u></strong></a> The lawsuit contained numerous causes of action including bad faith and violations of the Washington Insurance Fair Claims Act. Shortly after filing the lawsuit, Allstate settled my client’s case for roughly 4 times what her actual damages. It is truly unfortunate that lawyers are necessary in order to have an insurance company provide the coverage that their insured has paid premiums for. So much for being in good hands.<br />
</p>]]>
        
    </content>
</entry>
<entry>
    <title>Hidden Danger for Seattle Motorcyclists</title>
    <link rel="alternate" type="text/html" href="http://www.washingtoninjurylawyerblog.com/2009/07/hidden_danger_for_seattle_moto.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.washingtoninjurylawyerblog.com/cgi-bin/mt-atom.cgi/weblog/blog_id=143/entry_id=51293" title="Hidden Danger for Seattle Motorcyclists" />
    <id>tag:www.washingtoninjurylawyerblog.com,2009://143.51293</id>
    
    <published>2009-07-24T18:19:27Z</published>
    <updated>2009-07-24T19:58:55Z</updated>
    
    <summary>It&apos;s tough enough riding a motorcycle in the Seattle area and just trying to avoid being the next victim of an inattentive driver. The drivers of cars out there on cell phones or texting, well that&apos;s not a hidden danger,...</summary>
    <author>
        <name>John Williams</name>
        
    </author>
            <category term="Car &amp; Truck Accidents" />
            <category term="Motorcycle Accidents" />
    
    <content type="html" xml:lang="en" xml:base="http://www.washingtoninjurylawyerblog.com/">
        <![CDATA[<p>It's tough enough riding a <a href="http://www.washington-lawyers.net/lawyer-attorney-1293156.html">motorcycle</a> in the Seattle area and just trying to avoid being the next victim of an inattentive driver. The drivers of cars out there on cell phones or texting, well that's not a hidden danger, so what is it? It's their insurance companies and adjusters. So after you've been knocked to the pavement and your bike totaled, it just keeps getting worse. Accidents that clearly would be the other persons fault if two cars were involved, now transform because you are a motorcyclist! Insurance adjusters will do whatever they can to come up with some "comparative negligence" on your part. That essentially means that you're a percentage at fault because of x, y or z. I have seen them allege that inexperience played a role and if you were more experienced, you would have been able to avoid the accident. That's a good one they can apply to most all motorcycle accidents. They like to allege you were speeding, acting reckless, tailgating, you didn't use a signal,  or you did a quick lane change and the driver didn't see you....they just keep coming.</p>

<p>It is always important to try and document the accident scene, but even more so if you are driving a motorcycle. Take pictures with your cell phone, ensure that the police are called and if you aren't being taken away in an ambulance, ensure that the officer clearly understands how the accident occurred. Do not assume that the other driver's story matches yours. Unfortunately, too many people get creative after they are in an accident. Be vigilant and hopefully you will never need this advice.</p>

<p>Whether your driving in the Seattle or Everett area, please feel free to contact me with any questions or for advice.</p>]]>
        
    </content>
</entry>
<entry>
    <title>Using Your Own Auto Insurance for Accident Injuries</title>
    <link rel="alternate" type="text/html" href="http://www.washingtoninjurylawyerblog.com/2009/07/using_your_own_auto_insurance.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.washingtoninjurylawyerblog.com/cgi-bin/mt-atom.cgi/weblog/blog_id=143/entry_id=51288" title="Using Your Own Auto Insurance for Accident Injuries" />
    <id>tag:www.washingtoninjurylawyerblog.com,2009://143.51288</id>
    
    <published>2009-07-22T23:50:48Z</published>
    <updated>2009-07-23T00:18:43Z</updated>
    
    <summary>Insurance agents have the remarkable ability to know very little about the product they are selling, or at the very least seem to do a poor job of explaining coverages to their customers. Yes, I know that there are good...</summary>
    <author>
        <name>John Williams</name>
        
    </author>
            <category term="Car &amp; Truck Accidents" />
            <category term="Insurance" />
    
    <content type="html" xml:lang="en" xml:base="http://www.washingtoninjurylawyerblog.com/">
        <![CDATA[<p>Insurance agents have the remarkable ability to know very little about the product they are selling, or at the very least seem to do a poor job of explaining coverages to their customers. Yes, I know that there are good agents out there, I have one of them at PEMCO in Seattle, but unfortunately that isn't always the case. One of the biggest misconceptions is that if you are in an accident that isn't your fault, the other persons insurance company will pay for your medical expenses. Well, this is half true. When the other persons insurance company settles the claim with either you or your attorney, the settlement will include your medical expenses. But that doesn't help you if you do not have the ability to pay for necessary medical care now. So what's the answer? PIP</p>

<p>Personal Injury Protection (PIP) is a coverage available in Washington that insurance companies must offer you, and if you reject it, you must do so in writing. PIP is basically health insurance if you are injured in an auto accident. It will pay for your medical bills which are "reasonable, necessary and related" to injuries sustained in a car accident. PIP will also, to a limited extent, pay for lost wages and also household services.</p>

<p>PIP is considered a no-fault coverage which means it is available to you regardless of fault. PIP will pay for your medical bills whether or not you are at fault for an accident. Many clients have expressed to me how it seems wrong that their own insurance company should have to pay for medical treatment caused by injuries from an accident that wasn't their fault. Don't worry, your insurance company will get repaid (subrogation). </p>

<p>If you do not have PIP, please have it added to your policy immediately. It costs very little and is vital, especially if you do not have any health insurance. Even if you have health insurance, consider PIP since it will cover many types of care that may have limited coverage under your health insurance policy, such as chiropractic, massage and acupuncture treatment. PIP is generally available with limits of $10,000.00 or $35,000.00.</p>

<p>If you have any questions regarding PIP coverage or insurance coverage in general, please feel free to contact me.</p>]]>
        
    </content>
</entry>
<entry>
    <title>When to use Personal Injury Protection (PIP)</title>
    <link rel="alternate" type="text/html" href="http://www.washingtoninjurylawyerblog.com/2009/03/when_to_use_personal_injury_pr.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.washingtoninjurylawyerblog.com/cgi-bin/mt-atom.cgi/weblog/blog_id=143/entry_id=40634" title="When to use Personal Injury Protection (PIP)" />
    <id>tag:www.washingtoninjurylawyerblog.com,2009://143.40634</id>
    
    <published>2009-03-20T00:17:52Z</published>
    <updated>2009-03-20T00:30:10Z</updated>
    
    <summary>When you&apos;re in a car accident and you are injured by the negligence of another driver, they (or in most cases, their insurance company) will pay for all of your damages including medical bills, right? While that&apos;s technically true, this...</summary>
    <author>
        <name>John Williams</name>
        
    </author>
            <category term="Insurance" />
    
    <content type="html" xml:lang="en" xml:base="http://www.washingtoninjurylawyerblog.com/">
        <![CDATA[<p>When you're in a car accident and you are injured by the negligence of another driver, they (or in most cases, their insurance company) will pay for all of your damages including medical bills, right? While that's technically true, this answer fails to address the complete picture.</p>

<p>The at-fault driver's insurance company will pay for your medical expenses, lost income, other out of pocket expenses and general damages (commonly called pain & suffering), but only as a lump sum when your case is settled or a verdict rendered. They do not act as your health insurer and pay for your medical care as you incur those costs for treatment. <u>This is where PIP comes in</u>. When you open a PIP claim under your own auto insurance policy, this coverage pays for your medical expenses as you incur them. Essentially, your auto insurance company acts as a health insurer for injuries related to the car accident. Your insurance company then has a right to get repaid out of your settlement with the at-fault driver.</p>

<p>At the conclusion of your case, we will determine the amount that your insurance company is legally entitled to receive. In most cases, this amount is less than the total amount your insurance company has paid for your medical care. We will do everything we can to ensure that you are fully compensated for all of your losses and damage resulting from the car accident.</p>]]>
        
    </content>
</entry>
<entry>
    <title>How Contingent Fees Work For Personal Injury Cases</title>
    <link rel="alternate" type="text/html" href="http://www.washingtoninjurylawyerblog.com/2009/03/how_contingent_fees_work_1.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.washingtoninjurylawyerblog.com/cgi-bin/mt-atom.cgi/weblog/blog_id=143/entry_id=40631" title="How Contingent Fees Work For Personal Injury Cases" />
    <id>tag:www.washingtoninjurylawyerblog.com,2009://143.40631</id>
    
    <published>2009-03-18T23:52:58Z</published>
    <updated>2010-04-01T18:09:43Z</updated>
    
    <summary>Most of my personal injury cases are handled on a contingent fee basis. This simply means that I do not get paid unless I settle your case, or receive an arbitration award or verdict. No attorney fees will be paid...</summary>
    <author>
        <name>John Williams</name>
        
    </author>
            <category term="Attorney Fees" />
    
    <content type="html" xml:lang="en" xml:base="http://www.washingtoninjurylawyerblog.com/">
        <![CDATA[<p>Most of my personal injury cases are handled on a contingent fee basis. This simply means that I do not get paid unless I settle your case, or receive an arbitration award or verdict. No attorney fees will be paid if there is no recovery. Most attorneys handle personal injury cases on a contingent fee basis and charge one-third (33%) and forty percent (40%) if a lawsuit has to be filed and the case litigated. I value my services, but at the same time I realize that it was my client who was injured and who often has to deal with life changing injuries. <u>And my fees reflect this belief, and therefore, my contingent fees for personal injury cases are 30% if a case is settled, and 37% if a lawsuit has to be filed and the case litigated.</u></p>

<p>When you are looking for a personal injury lawyer, make sure you ask the right questions about their fees, both for settlement and litigation. Also be sure to ask if they charge any "extra" costs. Some attorneys charge a rather steep flat fee for copying and other expenses.</p>

<p>If you have any questions, please feel free to call or email me. John@WilliamsLawPLLC.com. </p>]]>
        
    </content>
</entry>
<entry>
    <title>Caucasian Shepherds In the Seattle area</title>
    <link rel="alternate" type="text/html" href="http://www.washingtoninjurylawyerblog.com/2009/01/caucasian_shepherds_in_the_sea.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.washingtoninjurylawyerblog.com/cgi-bin/mt-atom.cgi/weblog/blog_id=143/entry_id=35050" title="Caucasian Shepherds In the Seattle area" />
    <id>tag:www.washingtoninjurylawyerblog.com,2009://143.35050</id>
    
    <published>2009-01-15T21:05:22Z</published>
    <updated>2009-05-27T19:07:47Z</updated>
    
    <summary>Most people are aware that pit bulls are a dangerous breed, but persoanally, I would rather be bitten by a pit bull than a Caucasian Shepherd. Admittedly, I knew nothing about this breed until after a client was recently involved...</summary>
    <author>
        <name>John Williams</name>
        
    </author>
            <category term="Dog Bite Injuries" />
    
    <content type="html" xml:lang="en" xml:base="http://www.washingtoninjurylawyerblog.com/">
        <![CDATA[<p>Most people are aware that pit bulls are a dangerous breed, but persoanally, I would rather be bitten by a pit bull than a Caucasian Shepherd. Admittedly, I knew nothing about this breed until after a client was recently involved in a very severe and vicious <a href="http://www.washington-lawyers.net/lawyer-attorney-1323207.html">attack</a> in the Seattle/Everett area. </p>

<p>Caucasian Shepherds are also known as Kavkazskaya Ovcharka and Caucasian Mountain Dog/Sheepdog among other names. This breed is one of the oldest in the world and originally worked protecting livestock on the slopes of the Caucasus Mountains in Russia and Georgia. They are very aggressive and very protective. These dogs were used by the East Germans to guard the Berlin wall and also guard against their own citizens attempting flee.</p>

<p>The Caucasian Shepherd has a vicious temperment, is very powerful and massive, a deadly combination if you are on the receiving end of an attack. Because they are so protective, they will not obey anyone they do not believe are superior to themselves. Usually they will only obey their master. Remember, that regardless of the breed, exercise great caution around dogs that you are not familiar with. A dog bite is a very painful injury, and is usually comprised of not only bite wounds, but very severe tear wounds as well. Knowledge is one of the keys to avoiding this terrible situation.</p>]]>
        
    </content>
</entry>
<entry>
    <title>What&apos;s Subrogation?</title>
    <link rel="alternate" type="text/html" href="http://www.washingtoninjurylawyerblog.com/2008/12/whats_subrogation.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.washingtoninjurylawyerblog.com/cgi-bin/mt-atom.cgi/weblog/blog_id=143/entry_id=30939" title="What's Subrogation?" />
    <id>tag:www.washingtoninjurylawyerblog.com,2008://143.30939</id>
    
    <published>2008-12-03T21:13:20Z</published>
    <updated>2008-12-03T21:43:28Z</updated>
    
    <summary>So let&apos;s say you&apos;re driving into Seattle and unfortunately someone behind you is paying more attention to their Blackberry than driving, and rearends you. You&apos;re injured and need medical care, but at least you have Personal Injury Protection (PIP) which...</summary>
    <author>
        <name>John Williams</name>
        
    </author>
            <category term="Insurance" />
    
    <content type="html" xml:lang="en" xml:base="http://www.washingtoninjurylawyerblog.com/">
        <![CDATA[<p>So let's say you're driving into Seattle and unfortunately someone behind you is paying more attention to their Blackberry than driving, and rearends you. You're <a href="http://www.washington-lawyers.net/lawyer-attorney-1293154.html">injured</a> and need medical care, but at least you have Personal Injury Protection (PIP) which will take care of your medical bills. Did you know that in some circumstances you have to reimburse your insurance company for any payments made under PIP coverage? That's right, you pay them a premium, they provide PIP coverage, and then you pay it back.</p>

<p>Ok, it sounds a little counter-intuitive, but it really does make sense. Lets take a couple different senarios. Number 1 - You are injured in a car accident, you use your PIP coverage to pay for your medical care and you do not pursue a claim against the other driver. Maybe you don't want to. or perhaps the accident was your fault. In this senario, you do not have to reimburse your insurance company because you did not receive a settlement from another party. To put it another way, your insurance company does not have a right of subrogation (right of reimbursement) in this case. Lets look at senario Number 2 - You are in a car accident, it's not your fault, you are injured and use your PIP for your medical care. You then settle your claim against the at fault driver. Your insurance company will have a right of subrogation. </p>]]>
        <![CDATA[<p>Your insurance company has a right of subrogation because part of what you are recovering is the amount of your medical bills. If you didn't reimburse your insurance company you would be receiving double recovery, once from PIP and once from the at fault driver. Double recovery is generally frowned upon...</p>

<p>There are situations though, when you are represented by an attorney, when you either do not have to repay anything or if you do, it's a reduced amount. I'll leave those details for a later post.</p>]]>
    </content>
</entry>
<entry>
    <title>Protect Yourself - With a Camera...</title>
    <link rel="alternate" type="text/html" href="http://www.washingtoninjurylawyerblog.com/2008/11/protect_yourself_with_a_camera.html" />
    <link rel="service.edit" type="application/atom+xml" href="http://www.washingtoninjurylawyerblog.com/cgi-bin/mt-atom.cgi/weblog/blog_id=143/entry_id=30947" title="Protect Yourself - With a Camera..." />
    <id>tag:www.washingtoninjurylawyerblog.com,2008://143.30947</id>
    
    <published>2008-11-15T21:46:30Z</published>
    <updated>2008-12-03T22:22:13Z</updated>
    
    <summary>For years now I have been trying to convince people to keep a camera in their car. If you come across something scenic or interesting in Seattle or Everett, you can take a picture, but more importantly, if you are...</summary>
    <author>
        <name>John Williams</name>
        
    </author>
            <category term="Car &amp; Truck Accidents" />
    
    <content type="html" xml:lang="en" xml:base="http://www.washingtoninjurylawyerblog.com/">
        <![CDATA[<p>For years now I have been trying to convince people to keep a camera in their car. If you come across something scenic or interesting in Seattle or Everett, you can take a picture, but more importantly, if you are in an <a href="http://www.washington-lawyers.net/lawyer-attorney-1293154.html">accident</a> you can document the scene. When I first started telling people to keep a camera in their car, I'm sure some people thought I was crazy. To some extent, I thought it may be a bit much. But now, more and more of my clients are coming to me with pictures in hand of the scene of the accident! Sometimes they use a camera, but often they simply use their cell phone camera. </p>

<p>So what's so great about pictures of the accident scene or damage to the car? Well, without photos, we have to rely on either a police report diagram, statements of the each driver and/or eyewitnesses, if any. Unfortuantely, eye witness testimony is generally not very credible or accurate, and while police officers do a great job, there are certainly times when the police report and diagram miss the mark. And perhaps the most important reason to document the scene of the accident with photos, is that the at fault driver often times leaves the scene and magically creates new facts so he or she isn't at fault. This is just an unfortunate bit of reality.</p>

<p>So, keep a camera with you and protect yourself. Consider it insurance against changing stories and facts.</p>]]>
        
    </content>
</entry>

</feed> 

