Car Accidents, How to Be a Good Plaintiff, Truck Accidents
Lawsuit Loan Dangers Part Two
NEW ORLEANS, LA — In a previous entry to this blog, we discussed the dangers of legal funding loans. The chief concern is that by the time your case is settled, the amount such third party lenders will say you owe is significantly greater than the principal plus lawful interest you’d have been charged with an ordinary loan. Yet even with this serious downside, legal funding, or lawsuit loans, are growing in popularity in the United States, leading some opponents to challenge the growing industry in ways that can affect your lawsuit.
The most prominent of these is the U.S. Chamber Institute for Legal Reform, an affiliate of the U.S. Chamber of Commerce, which suggests not only that the legal funding industry is investing close to $1 billion annually, but that greater transparency is needed. To achieve this goal, they seek to add a provision to Federal Rule of Civil Procedure 26(a)(1)(A) which would require the disclosure of any compensation agreements that are “contingent on, and sourced from, any proceeds of the civil action, by settlement, judgment, or otherwise.”
The concern is not only that these companies disproportionately target lower income people who cannot afford the financial hardships that follow a serious accident, by charging them large and excessive fees for small sums of badly needed money. Opponents of lawsuit loans also raise concerns that this funding has the potential to create conflicts of interest, or even facilitate fraud. Courts must now consider whether or not to compel plaintiffs to disclose if they have taken legal funding, and from whom, and even require them to produce the contracts they signed to receive such funding. The Northern District of California has gone so far as to order the disclosure of people or entities who “fund[ ] the prosecution of any claim or counterclaim” in a proposed class, collective, or representative action. And the International Bar Association’s (IBA) 2014 Guidelines on Conflicts of Interest in International Arbitration require disclosure of any party with a “direct economic interest” in a potential award.
If defense attorneys discover the identity of your legal funder, they will investigate any possible connections between the funding company and other parties involved in your case. Furthermore, gaining access through discovery requests to the contract you signed with the lender, or the application you filled out wherein you described your case, might cause additional complexities for your lawsuit. Where legal funding is tied to medical funding, not only is the client required to pay interest and fees on money used to pay for his health care, unscrupulous medical providers may engage in corrupt business practices to inflate the cost of your medical care. The insurance company will unknowingly pay more for a medical procedure than it is worth. The inflated cost, if uncontested by your attorney, will then be deducted from your recovery, and you will pay interest, fees, and charges on money used to pay that inflated cost.
On the other hand, the legal funding industry has countered that their services “level the playing field,” allowing small business and individual claimants to pursue litigation against “big business.” They argue that legal funding also helps plaintiff attorneys who work on contingency, as plaintiff attorneys must fund medical treatment and legal costs for their clients, which they will be compensated for when and if a settlement is reached. Less established attorneys may not have sufficient capital to fund many cases at once, nor do they have the sort of physical collateral to build a relationship with a bank which would allow them to handle client costs with only the lawful and minimal interest attached to the loan.
Despite the arguments on both sides, lawsuit loans are legal in Louisiana and likely here to stay, at least for now. As a plaintiff, you must decide if your needs are great and urgent enough to be worth the high fees and charges you will have to pay should you choose to make a loan against your case. If the U.S. Chamber Institute for Legal Reform and its allies have their way, choosing to contract with litigation funders will add further complexities to your case.
If you’ve been in an accident, the smart choice is to contact an established attorney who can pursue your claims without weighing your case down with unnecessary fees and costs. The de Boisblanc Law Firm, serving the Southern Louisiana region for over fifty years, has the experience you need to secure justice for your injuries while minimizing your costs.
Car Accidents, How to Be a Good Plaintiff, Truck Accidents
New Orleans Holiday Season Raises DUI Risks
NEW ORLEANS, LA — Tis the season in New Orleans! In a city known worldwide for its dedication to the Good Times, residents and visitors alike will be making extra merry for the one hundred and three days between Thanksgiving and Mardi Gras. Whether it’s a private party at a friend’s home, a dinner celebration on the town, a day at the racetrack, or one of the many Carnival parties, balls, and parades, New Orleans offers ample opportunity for conviviality during the holiday season. Unfortunately, all of the merriment increases the risk that you, or someone you love, could be involved in an alcohol-related motor vehicle accident.
Drunk driving claims more than 10,000 American lives per year. In 2016, an average of 29 people died per day, or one person every 50 minutes. In 2014, 300 hundred Louisiana residents were killed in motor vehicle accidents involving drunk drivers.
A large number of these preventable fatalities occur during the holiday season. Tragically, 781 Americans lost their lives due to drunk drivers in the month of December, 2016, and an average of 300 people per year lose their lives due to drunk driving during the week between Christmas and New Year’s Day.
While nationally New Year’s Eve is one of the most dangerous single holidays when it comes to drunk driving injuries and fatalities, in Louisiana, Mardi Gras can often be worse. In 2009, alcohol played a part in 48% of motor vehicle collision fatalities; during Mardi Gras, that percentage spiked to almost 70%.
There are many actions savvy celebrants can take to reduce alcohol related fatalities and injuries during the holiday season. Hosts and hostesses can play a part in increasing the safety of their guests by simply serving non-alcoholic beverages alongside wine and spirits. Hiring or recruiting a volunteer bartender allows alcohol consumption to be monitored, giving a hostess the opportunity to determine if a friend has had one too many. Often times, simply asking a guest if he or she has a safe and sober ride home encourages responsible drinking behavior, and it may save that friend’s life.
Party-goers should plan their transportation in advance. Although the designated driver, who volunteers to abstain from alcohol for the evening, is always a wise choice, there are other options for the crew who wants to roister together. The prevalence of ride-sharing services like Uber or Lyft might be responsible for a reduction in drunk driving. Ride-sharing and traditional taxi cabs allow revelers to enjoy their evening without worrying about designating a sober friend. Leaving your car at home before the night gets started all but ensures that a poor transportation choice won’t be made later on, when inhibitions are lowered and courage is up due to alcohol consumption.
Unfortunately, even the most responsible person can become the victim of a drunk driver. In that case, it is always advisable to retain an attorney to help recover compensation for damages caused under these tragic circumstances. The experienced attorneys at The de Boisblanc Law Firm offer free consultations to victims of careless drivers, and are committed to helping victims seek the justice they deserve.
May your holiday season be dazzling, merry, and most of all, safe!
Car Accidents, Constitutional Rights, Technology, Truck Accidents
New Orleans Begins Removal of Controversial Traffic Cameras
NEW ORLEANS, LA — Mayor Latoya Cantrell made news by pledging to remove twenty cameras in New Orleans, in line with her campaign promises to suspend the universally hated program. However, even though more than 70% of the voting public is against traffic cameras it appears the enforcement tool isn’t going away any time soon.
In some cities, protests against traffic cameras have turned into illegal action on the part of disgruntled motorists, such as Stephen Ruth of Long Island, NY, dubbed the “Red Light Robin Hood” by his community, who was arrested for sabotaging numerous cameras. In a strange turn of events, Mr. Ruth’s actions led to an interesting discovery: in his Suffolk County community, yellow lights where there are no traffic cameras last for five seconds, but where there are traffic cameras, yellow lights only last three seconds. Around the country, residents of other cities have discovered the coincidental correlation between the installation of red light cameras and shortened yellow light durations.
Numerous studies show that increased yellow light times reduce violations and create safer streets. Longer yellow light times also reduce revenue generated from traffic camera tickets.
Proponents of traffic cameras argue that they increase safety. New research from Case Western Reserve University suggests otherwise, stating in part that motorists shift their driving patterns. “Once drivers knew about the cameras, they appeared to accept a higher accident risk from slamming on their brakes at yellow lights to avoid an expensive traffic citation—thereby decreasing safety for themselves and other drivers,” said Justin Gallagher, an assistant professor of economics at Weatherhead School of Management at Case Western Reserve, and co-author of the paper recently published to Social Science Research Network.
It’s well known that most citizens hate the cameras and don’t want them. What is less clear, is whether or not the cameras are constitutional. The Sixth Amendment’s Confrontation Clause states that citizens have the right to confront their accuser. In the case of traffic cameras, the accuser is a machine managed by a technician with whatever company is running the cameras. In some municipalities, a technician’s report is read to the court by a police officer who was not present to witness the alleged violation. When accused persons raised concerns as to the calibration and reliability of the machine that “caught” their violation, a certificate was often presented in court, and all parties were expected to believe in the authenticity and accuracy of that certificate. In Melendez-Diaz v. Massachusetts, the United States Supreme Court ruled 5-4 that “merely producing such a certificate in court is insufficient. Defendants have the right to cross-examine any individual who claims to have certified evidence.”
However, municipalities that make traffic camera tickets civil violations avoid having their traffic camera programs challenged on a constitutional basis. In New Orleans, these fines are considered “Civil Penalties,” and if unpaid, will be sent to a collection agency. A citizen may contest the ticket by requesting a hearing.
Whether or not the traffic camera ticket programs will survive their many deficiencies, and concerns about their constitutionality, remains to be seen. For now, motorists are all but united in their dislike for these programs, and New Orleans residents look forward to further action from Mayor Cantrell to reduce and remove this unpopular program.
Car Accidents, How to Be a Good Plaintiff, Truck Accidents, Uncategorized
Your Car’s Black Box is Monitoring You
NEW ORLEANS, LA — Chances are, the car you drive has a black box, also known as an Event Data Recorder, and it’s there to monitor almost all you do behind the wheel. If you’re in a crash, that EDR is able to supply such information as your speed, break use, engine throttle at the time of impact, and data from a dozen other mechanical categories, including whether or not you were wearing your seatbelt at the time of a collision. When a motorist is driving, the EDR continuously records data, but only in the event of a collision is that data stored, so that it can be retrieved by accident reconstruction experts, insurance companies, and even courts.
An Event Data Recorder has many useful functions. In some car accidents, it can be difficult to determine fault. When the EDRs of vehicles involved in a collision are analyzed, accident investigators or reconstruction experts can often determine which party was at fault, helping the victims of careless drivers find justice and compensation for their injuries. Event data recorders also help fight insurance fraud, which helps insurance companies save money and charge lower rates to customers. An EDR can help an insurance company determine the severity of a crash, so that it can analyze a claimant’s injuries and better ensure that the injuries make sense in the context of the crash. Some EDRs also record whether or not a seat was occupied at the time of collision. And finally, an EDR helps fight back against staged accidents.
The EDR can even help save lives. When accident investigators explore the data saved in the EDR of a vehicle involved in a catastrophic collision, they aren’t just able to analyze dangerous driving practices, they can determine if the vehicle encountered any mechanical failure, such as a failed airbag deployment or a faulty breaking system, which led to injury or loss of life. If the failure is the result of some deficiency in manufacturing, an automaker can enact a recall to solve the problem, perhaps saving many lives.
However, in spite of all of the benefits of the EDR, some believe that Event Data Recorders invade our privacy. In today’s world, it’s concerning that a computerized device in our vehicles might be used to determine where we go and when, potentially revealing other personal details about our lives. Americans are concerned over who can have access to the data stored in their EDR. Might an employer, or some other third party, be able to access that information? The Driver Privacy Act of 2015 aims to address these concerns. Unless authorized by a court, necessary to provide post accident medical treatment, used to carry out investigations that are authorized by Federal Law, or anonymously used for purposes of traffic safety research, the owner of a vehicle owns his EDR data, and a third party must obtain his consent before accessing his driving data.
Technology such as the Event Data Recorder will continue to evolve and enhance, as will questions and concerns about the potential uses of such data. It’s important for motorists today to realize that their vehicle is most likely equipped with an EDR, and that the EDR will help them understand just how a crash happened, should they be involved in a motor vehicle collision. If you’re involved in any motor vehicle accident, it’s important to consult an experienced attorney like the attorneys at the de Boisblanc Law Firm, who can help you protect your rights, and seek compensation if another party’s negligence has injured you.
Truck Accidents
Lawmaker Tackles Truck Crashes
BATON ROUGE, LA – The Department of Transportation states that “speeding is one of the most prevalent factors contributing to traffic crashes”, costing motorists $40.4 billion in crash-related expenses, along with 10,219 lives lost in 2012 alone. In an effort to cut down on truck crashes, Louisiana Representative Steve Carter (R-Baton Rouge) authored a bill before the legislature this session, which would lower speed limits for trucks on elevated interstate roadways extending five miles or longer. Carter’s bill passed through the House of Representative’s Committee on Transportation, Highways and Public Works unanimously on May 11, and is scheduled to be debated on the House floor on May 24. Studies from the National Highway Cooperative Research Program indicate “that higher speed limits were associated with an increased likelihood of deaths and incapacitating injuries”, supporting the argument that reducing speed limits for trucks will reduce the fatalities, injuries and expenses associated with truck crashes. And since speeding is one of the major causes of truck crashes, it stands to reason that lowering speed limits for trucks might significantly improve safety for all motorists.
However, Cathy Gautreaux of the Louisiana Motor Transportation Association criticizes the bill, which would also confine truck drivers to the right lane. Telling committee members, “there’s no way we could expect a truck driver to stay behind a mobile home,” Ms. Gautreaux argued that preventing truck drivers from passing slow motorists in the right line could actually cause a safety hazard. She believes that one of these hazards would be a line of trucks “queuing up” behind a slow right lane vehicle, without any provision in the legislation which would allow truck drivers to legally pass such an obstacle.
Currently in Louisiana, the speed limit for all motor vehicles is 75 mph on rural interstates, and 70 mph on urban interstates. Along with reducing the speed limit by ten miles per hour for large trucks, Representative Carter’s bill would also create a new initiative to research speed differentials as they relate to motor vehicle safety, and the reduction of collisions.
If you are involved in a truck crash, the most important thing to do is check yourself and your passengers for injuries. No matter what other motorists tell you to do, you shouldn’t move your vehicle unless your safety requires it. It’s important to take photographs of all of the vehicles involved in the collision, from multiple angles. Include photographs of the truck’s license plate and any other identifying information. The police should always be called, and it’s highly recommended that you allow emergency medical response personnel to examine you and transport you to the hospital. Finally, it’s important that you find legal representation. Insurance companies often try to offer small sums to accident victims, which rarely cover a victim’s ambulance ride expenses. An experienced lawyer like those at The de Boisblanc Law Firm can protect your rights against big insurance companies, and help you obtain the recovery you need after a serious truck accident. If you’ve been the victim of a truck crash, call The de Boisblanc Law Firm at (504) 586-0005, so that our attorneys can help you protect your rights and recover your damages.
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