13
;OPZ .\PKL PZ UV[ PU[LUKLK HZ HU HSS PUJS\ZP]L SLNHS KVJ\TLU[ 0[ PZ UV[ H Z\IZ[P[\[L MVY WYVMLZZPVUHS SLNHS JV\UZLS 0[ PZ PU[LUKLK [V IL \ZLK PU JVUQ\UJ[PVU ^P[O SLNHS YLWYLZLU[H[PVU WYV]PKLK I` 1HJVI` 4L`LYZ 337;OL PUMVYTH[PVU JVU[HPULK OLYLPU PZ HJJ\YH[L HZ VM *VW`YPNO[ (UKYL^ . -PURLSZ[LPU )YVHK^H` :\P[L 5L^@VYR 5@ 39 Broadway Suite 1910 New York, NY 10006 >P[O VMÄJL SVJH[PVUZ [OYV\NOV\[ 5L^@VYR HUK 5L^ 1LYZL` 1-877-JMLAWYER (565-2993) A CLIENT GUIDE TO PERSONAL INJURY CASES Motor Vehicle Crashes Construction Accidents Dog Bites Slip and Fall Injuries Product Liability (Defective Product) Accidents Traumatic Brain Injuries LLP LLP Winning cases since 1972

Y`JHZL€¦ · strength in evaluating potential automobile accident claims. A BOU T JACOB Y & M EY ERS, LLP 1HJVI` 4L`LYZPZ(TLYPJH»ZTVZ[MHTPSPHYUHTLPUSLNHSYLWYLZLU[H[PVU WYV]PKPUN

  • Upload
    others

  • View
    0

  • Download
    0

Embed Size (px)

Citation preview

Page 1: Y`JHZL€¦ · strength in evaluating potential automobile accident claims. A BOU T JACOB Y & M EY ERS, LLP 1HJVI` 4L`LYZPZ(TLYPJH»ZTVZ[MHTPSPHYUHTLPUSLNHSYLWYLZLU[H[PVU WYV]PKPUN

;OPZ�.\PKL�PZ�UV[�PU[LUKLK�HZ�HU�HSS�PUJS\ZP]L�SLNHS�KVJ\TLU[��0[�PZ�UV[�H�Z\IZ[P[\[L�MVY�WYVMLZZPVUHS� SLNHS�JV\UZLS��0[�PZ�PU[LUKLK�[V�IL�\ZLK�PU�JVUQ\UJ[PVU�^P[O�SLNHS�YLWYLZLU[H[PVU�WYV]PKLK�I`�

1HJVI`� �4L`LYZ�337��;OL�PUMVYTH[PVU�JVU[HPULK�OLYLPU�PZ�HJJ\YH[L�HZ�VM�������

�*VW`YPNO[������(UKYL^�.��-PURLSZ[LPU��� �)YVHK^H`�:\P[L�� ���5L^�@VYR��5@������

39 Broadway Suite 1910 New York, NY 10006 �>P[O�VMÄJL�SVJH[PVUZ�[OYV\NOV\[�5L^�@VYR�HUK�5L^�1LYZL �̀

1-877-JMLAWYER (565-2993)

A CLIENT GUIDETO PERSONAL INJURY CASES

Motor Vehicle CrashesConstruction AccidentsDog BitesSlip and Fall InjuriesProduct Liability (Defective Product) AccidentsTraumatic Brain Injuries

LLP

Winning cases since 1972

LLP

Winning cases since 1972

Page 2: Y`JHZL€¦ · strength in evaluating potential automobile accident claims. A BOU T JACOB Y & M EY ERS, LLP 1HJVI` 4L`LYZPZ(TLYPJH»ZTVZ[MHTPSPHYUHTLPUSLNHSYLWYLZLU[H[PVU WYV]PKPUN

ABOUT JACOBY & MEYERS, LLP 2

WHAT YOU SHOULD EXPECT 2

YOUR LEGAL TEAM 3

HOW MUCH MONEY IS YOUR CASE WORTH? 4

LIABILITY AND RELATED INJURIES 4

CAR/TRUCK CRASHES AND PEDESTRIAN/BICYCLE KNOCKDOWN CASES 5

CONSTRUCTION ACCIDENT 13

DOG BITE CASES 14

SLIP (OR TRIP) AND FALL DOWN CASES 14

PRODUCTS LIABILITY CASES 15

STEPS AND TERMS OF A LAWSUIT 16

HOW LONG WILL YOUR CASE TAKE? 18

ACCESS TO YOUR CASE 18

RETAINER AGREEMENT 18

MEDICARE, MEDICAID AND MEDICAL LIENS 19

DISBURSEMENTS AND EXPENSES 19

YOUR RIGHTS AS A CLIENT 20

Asbestos Injuries (Mesothelioma)

Auto Collisions

Bankruptcy

Birth Injuries

Bus Accidents

Construction Accidents

Commercial Litigation

Creative and Corporate Consulting

Debt Restructuring and Loan Modifications

Defective Drug Litigation

Divorce and Property Settlement

Family Court

Medical Malpractice

Motorcycle Collisions

Nursing Home Negligence

Product Liability

Real Estate Transactions

Sexual Assault

Slip and Falls

Social Security Disability Benefits

Train Accidents

Traumatic Brain Injuries

Trucking Collisions

Veteran’s Compensation

Wills and Estate Planning

Workers’ Compensation

MY CASE MANAGER IS: TEL/EXT#

MY LEGAL ASSISTANT IS: TEL/EXT#

MY TRIAL ATTORNEY IS: TEL/EXT#

My next appointment is on:

DATE (MONTH/DAY) TIME (A.M./P.M.) DATE (MONTH/DAY) TIME (A.M./P.M.)

DATE (MONTH/DAY) TIME (A.M./P.M.) DATE (MONTH/DAY) TIME (A.M./P.M.)

DATE (MONTH/DAY) TIME (A.M./P.M.) DATE (MONTH/DAY) TIME (A.M./P.M.)

IMPORTANT NAMES, DATES & TELEPHONE NUMBERS

OUR PRACTICE AREAS

As a client of Jacoby & Meyers, LLP, you’ve come to expect superior service, personal attention, and unparalleled legal experience from our knowledgeable Personal Injury team. Rest assured, you can expect the same great service and excellent representation from us for all of your legal needs. Jacoby & Meyers is a full-service law firm, committed to providing our clients with a broad spectrum of legal expertise to meet your needs.

Page 3: Y`JHZL€¦ · strength in evaluating potential automobile accident claims. A BOU T JACOB Y & M EY ERS, LLP 1HJVI` 4L`LYZPZ(TLYPJH»ZTVZ[MHTPSPHYUHTLPUSLNHSYLWYLZLU[H[PVU WYV]PKPUN

Thank you for selecting Jacoby & Meyers, LLP

[V�OLSW�`V\�K\YPUN�[OPZ�KPMÄJ\S[�[PTL��9LZ[�HZZ\YLK�

`V\�^PSS�UL]LY�IL�HSVUL��@V\Y�SLNHS�[LHT�^PSS�

be with you every step of the way to answer your

X\LZ[PVUZ�HUK�RLLW�`V\�\WKH[LK���

;OL�PUMVYTH[PVU�WYV]PKLK�PU�[OPZ�IVVR�PZ�PU[LUKLK�

[V�THRL�[OL�SLNHS�WYVJLZZ�HZ�JSLHY�HUK�LHZ`�HZ�

possible for you to understand so that

you are fully prepared to deal with all aspects

VM�`V\Y�WLYZVUHS�PUQ\Y`�JHZL���

4HUHNPUN�7HY[ULY�(UKYL^�.��-PURLSZ[LPU�

HUK�7HY[ULY�2LUUL[O�3��6SP]LY

Page 4: Y`JHZL€¦ · strength in evaluating potential automobile accident claims. A BOU T JACOB Y & M EY ERS, LLP 1HJVI` 4L`LYZPZ(TLYPJH»ZTVZ[MHTPSPHYUHTLPUSLNHSYLWYLZLU[H[PVU WYV]PKPUN

2 3

YOUR LEGAL TEAM (Z�H�1HJVI`� �4L`LYZ�JSPLU[�`V\�^PSS�OH]L�`V\Y�V^U�KLKPJH[LK�SLNHS�[LHT��3LK�I`�HU�L_WLYPLUJLK�H[[VYUL �̀�`V\Y�[LHT�^PSS�OH]L�[OL�L_WLY[PZL�ULJLZZHY`�[V�TLL[�[OL�\UPX\L� ULLKZ�VM�`V\Y�JHZL��>L�OH]L�KLKPJH[LK�[Y\JR�JYHZO�HUK�[YH\TH[PJ�IYHPU�PUQ\Y`�NYV\WZ�[V�LUZ\YL� [OH[� [OLZL�JVTWSL_�JHZL� [`WLZ�HYL�OHUKSLK�I`� [LHTZ�L_WLYPLUJLK� PU� [OLZL�HYLHZ��

@V\Y�[LHT�^PSS�^VYR�JSVZLS`�^P[O�`V\��@V\Y�*HZL�4HUHNLY�^VYRZ�ZPKL�I`�ZPKL�^P[O�`V\Y�([[VYUL �̀�HUK�^PSS�ZLY]L�HZ�`V\Y�WYPTHY`�JVU[HJ[��(�SLNHS�WYVMLZZPVUHS�^OV�PZ�KLKPJH[LK�[V�OLSWPUN�̀ V\�[OYV\NO�[OL�WYVJLZZ��̀ V\Y�*HZL�4HUHNLY�PZ�H]HPSHISL�[V�̀ V\�̂ OLUL]LY�̀ V\�OH]L�X\LZ[PVUZ�VY�ULLK�HZZPZ[HUJL��0U�[OL�IHJR�VM�[OL�MVSKLY�`V\�^LYL�NP]LU�PZ�H�ISHUR�JVU[HJ[�JHYK��<ZL�[OPZ�JHYK�[V�YLJVYK�`V\Y�*HZL�4HUHNLY»Z�WOVUL�U\TILY�HUK�LTHPS�HKKYLZZ��HUK�[V�RLLW�[YHJR�VM�V[OLY�PTWVY[HU[�PUMVYTH[PVU�HZ�P[�ILJVTLZ�H]HPSHISL�

Your case manager is a legal professional who works side-by-side with your attorney. Your case manager will walk you through every step of your case, serve as your “go to” person and answer your questions.

Since 1990 Jacoby & Meyers has had its own in-house accident investigation division. This has proven to be a tremendous strength in evaluating potential automobile accident claims.

ABOUT JACOBY & MEYERS, LLP 1HJVI`� �4L`LYZ� PZ�(TLYPJH»Z�TVZ[� MHTPSPHY� UHTL� PU� SLNHS� YLWYLZLU[H[PVU�� WYV]PKPUN�ZLY]PJL�[V�TPSSPVUZ�VM�JSPLU[Z��The firm was founded in 1972 with the goal of making top-quality legal representation available to everyone.�<U[PS�[OH[�[PTL��VUS`�[OL�^LHS[OPLZ[�WLVWSL�JV\SK�HMMVYK�SH^`LYZ��̂ OPSL�[OL�WVVYLZ[�̂ LYL�WYV]PKLK�̂ P[O�SLNHS�HPK��;OPZ�SLM[�[OL�THQVYP[`�VM�L]LY`KH`�^VYRPUN�WLVWSL�^P[O�]LY`�ML^�VW[PVUZ��;VKH`�V\Y�ÄYT�YLWYLZLU[Z�WSHPU[PMMZ�PU�HSS�[`WLZ�VM�7LYZVUHS�0UQ\Y`�JSHPTZ�¶�MYVT�ZPUNSL�]LOPJSL�^YLJRZ�HUK�[YHMÄJ�JVSSPZPVUZ�[V�HJJPKLU[Z�PU�[OL�^VYR�WSHJL��ZSPW�HUK�MHSS�PUQ\YPLZ��[YH\TH[PJ�IYHPU�PUQ\YPLZ��TLKPJHS�THSWYHJ[PJL�HUK�TVYL���

:PUJL�V\Y� MV\UKPUN�� 1HJVI`� �4L`LYZ�OHZ� NYV^U� [V�ILJVTL�VUL�VM� [OL� SHYNLZ[�� ILZ[�RUV^U�HUK�TVZ[� PUUV]H[P]L� SH^�ÄYTZ� PU� [OL� JV\U[Y �̀�(S[OV\NO�^L� HYL� H� SHYNL�ÄYT��^L� YLTHPU� KLKPJH[LK� [V� WYV]PKPUN� `V\�^P[O� WLYZVUHS� ZLY]PJL� HUK� \UZ\YWHZZLK� SLNHS�YLWYLZLU[H[PVU�^OPSL� WYLZLY]PUN� `V\Y� KPNUP[`� HUK� WYP]HJ �̀�@V\Y� JHZL� PUMVYTH[PVU�^PSS�YLTHPU�JVUÄKLU[PHS�HUK�^PSS�VUS`�IL�ZOHYLK�^P[O�WLYZVUZ�HWWYV]LK�I`�`V\��>L�^PSS�Z[YP]L�[V�RLLW�HSS�JVTT\UPJH[PVUZ�^P[O�`V\�JSLHY�HUK�Z[YHPNO[MVY^HYK��>L�^PSS�WYV]PKL�understandable case evaluations so that you fully understand your case, as well as the VWWVY[\UP[PLZ�HUK�HU`�YPZRZ�`V\�TH`�MHJL��

WHAT YOU SHOULD EXPECT: � Free�HUZ^LYZ�[V�HSS�`V\Y�X\LZ[PVUZ��

� Free�OVTL�VY�OVZWP[HS�]PZP[Z��

� � Free�������ZLJ\YL��VUSPUL�HJJLZZ�[V�`V\Y�JHZL�ÄSL�[OYV\NO�V\Y�^LIZP[L��

� � Jacoby & Meyers will only charge a legal fee if we are successful in recovering � � TVUL`�MVY�`V\Y�JSHPTZ��TVYL�PUMVYTH[PVU�VU�[OL�9L[HPULY�(NYLLTLU[�PZ� � � VU�WHNL�����

“Jacoby & Meyers was founded in 1972 with the goal of making top-quality legal representation available to everyone.”

5L^�@VYR�-V\UKPUN�7HY

[ULY�

.HPS�1��2VMM��,ZX�

1945 - 2010

Page 5: Y`JHZL€¦ · strength in evaluating potential automobile accident claims. A BOU T JACOB Y & M EY ERS, LLP 1HJVI` 4L`LYZPZ(TLYPJH»ZTVZ[MHTPSPHYUHTLPUSLNHSYLWYLZLU[H[PVU WYV]PKPUN

4 5

I� Prior Injuries:�0M�`V\�OH]L�H�WYPVY�PUQ\Y`�VY�JVUKP[PVU�[OH[�PZ�ZPTPSHY�[V�[OL�PUQ\Y`�`V\�Z\Z[HPULK�PU�[OPZ�HJJPKLU[��`V\�4<:;�HK]PZL�`V\Y�SLNHS�[LHT�HZ�[OL�PUZ\YHUJL�JVTWHU`�PZ�YLZWVUZPISL�MVY�[OL�HTV\U[�VM�LUOHUJLK�PUQ\Y`�JH\ZLK�I`�[OL�PUQ\Y`�WYVK\JPUN�L]LU[�� 0M� `V\� MHPS� [V�HK]PZL�\Z�VM�H�WYPVY� PUQ\Y`�VY�JVUKP[PVU��^L�^PSS�not be able to properly represent and counsel you, and the value of your case TH`�IL�HMMLJ[LK��0M�P[�PZ�SH[LY�KL[LYTPULK�[OH[�`V\�OHK�H�WYPVY�PUQ\Y`�VY�JVUKP[PVU�[OH[� `V\� MHPSLK� [V� [LSS�\Z�HIV\[�� P[�TH`�ILJVTL�ULJLZZHY`� MVY�\Z� [V�KPZJVU[PU\L�YLWYLZLU[H[PVU�VM�`V\Y�JHZL��

J� Subsequent Injuries:� 0M�`V\�Z\Z[HPU�HUV[OLY� PUQ\Y`� [OH[� PZ� ZPTPSHY� [V� [OL� PUQ\Y`�`V\�Z\Z[HPULK�PU�[OPZ�HJJPKLU[��`V\�4<:;�HK]PZL�\Z��0M�`V\�MHPS�[V�HK]PZL�\Z�VM�H�subsequent injury, we will not be able to properly represent and counsel you, and [OL�]HS\L�VM�`V\Y�JHZL�TH`�IL�HMMLJ[LK��0M�P[�PZ�SH[LY�KL[LYTPULK�[OH[�`V\�Z\Z[HPULK�H�Z\IZLX\LU[�PUQ\Y`�[OH[�`V\�MHPSLK�[V�[LSS�\Z�HIV\[��P[�TH`�ILJVTL�ULJLZZHY`�MVY�\Z�[V�KPZJVU[PU\L�YLWYLZLU[H[PVU�VM�`V\Y�JHZL��

III. CAR/TRUCK CRASHES AND PEDESTRIAN/BICYCLE KNOCKDOWN CASES 0U�VYKLY�MVY�\Z�[V�Z\JJLLK�^P[O�`V\Y�JHZL��^L�T\Z[�ILNPU�I`�WYV]PUN�[OH[�[OL�KYP]LY�PU�at least one of the vehicles in the accident failed to follow the rules of the road and by KVPUN�ZV�̂ HZ�H�JH\ZL�VM�[OL�JYHZO�HUK�̀ V\Y�PUQ\YPLZ��0[�PZ�WVZZPISL�[OH[�[OLYL�TH`�IL�TVYL�[OHU�VUL�JH\ZL�VM�[OL�JYHZO���

@V\Y�HJ[PVUZ�̂ PSS�IL�JVUZPKLYLK�PU�KL[LYTPUPUN�MH\S[��,]LU�PM�̀ V\�̂ LYL�WHY[S`�YLZWVUZPISL�MVY�[OL�JYHZO��`V\�TH`�Z[PSS�YLJV]LY�MVY�`V\Y�OHYTZ�HUK�SVZZLZ��/V^L]LY��`V\�TH`�VUS`�YLJV]LY�[V�[OL�KLNYLL�[OH[�[OL�V[OLY�WHY[`�PZ�H[�MH\S[��-VY�L_HTWSL��PM�P[�PZ�KL[LYTPULK�[OH[�the other driver was 80% at fault and you are 20% at fault, you can recover 80% of the ]HS\L�VM�`V\Y�YLSH[LK�OHYTZ�HUK�SVZZLZ��

6UJL�^L� LZ[HISPZO� MH\S[��^L� JHU� VUS`� ZLLR�TVUL`� MVY� `V\Y� OHYTZ� HUK� SVZZLZ� PM� [OL�YLSH[LK� PUQ\YPLZ� MYVT�[OL�JYHZO�qualify� MVY�H�TVUL`�H^HYK��,]LY`VUL� PUQ\YLK� PU�H�JHY�crash is not�H\[VTH[PJHSS`�LSPNPISL�MVY�TVUL`�MVY�[OL�PUQ\YPLZ�Z\MMLYLK��;OPZ�PZ�KPZJ\ZZLK�PU�KL[HPS�PU�[OL�UL_[�ZLJ[PVU��

0M�`V\�OH]L�X\HSPM`PUN�PUQ\YPLZ�JH\ZLK�I`�[OL�HJJPKLU[��[OLU�[OL�PUZ\YHUJL�JVTWHU`�PZ�YLZWVUZPISL�MVY�WH`PUN�MVY�`V\Y�OHYTZ�HUK�SVZZLZ��\W�[V�[OL�PUZ\YHUJL�WVSPJ`�SPTP[Z�[OH[�^LYL�PU�WSHJL�VU�[OL�KH`�VM�[OL�HJJPKLU[��0U�VYKLY�[V�Z\WWVY[�`V\Y�JSHPTZ��P[�PZ�ULJLZZHY`�MVY�`V\�[V�HJJ\YH[LS`�KVJ\TLU[�`V\Y�PUQ\Y`�ZV�`V\Y�SLNHS�[LHT�TH`�WYV]PKL�Z\MÄJPLU[�L]PKLUJL�VM�`V\Y�OHYTZ�HUK�SVZZLZ�[V�[OL�PUZ\YHUJL�JVTWHU �̀�6M[LU�[OL�ILZ[�L]PKLUJL�PZ�[OL�KVJ[VY»Z�YLJVYKZ»��0[�PZ�PTWVY[HU[�[OH[�`V\Y�TLKPJHS�KVJ[VYZ�RUV^�[OL�M\SS�L_[LU[�VM�[OL�LMMLJ[Z�[OL�PUQ\Y`�OHZ�JH\ZLK�HUK�PM�P[�OHZ�JOHUNLK�`V\Y�SPML�PU�HU`�^H �̀�)L�Z\YL�[V�[LSS�`V\Y�OLHS[O�JHYL�WYV]PKLY�[OPZ�HUK�HU`�V[OLY�JVUJLYUZ�`V\�TH`�OH]L�K\YPUN�LHJO�VM�`V\Y�]PZP[Z��

H� Qualifying Injuries in Car/Truck Crashes and Pedestrian/Bicycle Knockdown Cases

)`�SH �̂�VUS`�[OVZL�WLVWSL�̂ OV�OH]L�Z\MMLYLK�H�̧ ZLYPV\Z�PUQ\Y`¹�PU�H�JHY�JYHZO�HYL�LSPNPISL�[V�YLJLP]L�TVUL`�MVY�WHPU�HUK�Z\MMLYPUN��1HJVI`� �4L`LYZ�JHU�VUS`�Z[HY[�H�SH^Z\P[�MVY�you if you have a qualifying serious injury***��(�ZLYPV\Z�PUQ\Y`�PZ�KLÄULK�HZ�LP[OLY!�

I. HOW MUCH IS YOUR CASE WORTH?)LMVYL�^L�JHU�HJJ\YH[LS`�HZZLZZ�[OL�]HS\L�VM�`V\Y�JHZL��^L�T\Z[�VI[HPU�[OL�MVSSV^PUN�PUMVYTH[PVU!�

� ���0U]LZ[PNH[PVU�YLZ\S[Z�VM�[OL�HJJPKLU[�WYVK\JPUN�L]LU[

���5HTL�HUK�WYHJ[PJLZ�VM�[OL�VWWVZPUN�PUZ\YHUJL�JVTWHU`�

���;V[HS�HTV\U[�VM�H]HPSHISL�PUZ\YHUJL

���-\SS�L_[LU[�VM�`V\Y�OHYTZ�HUK�SVZZLZ��PUJS\KPUN�`V\Y�WO`ZPJHS�PUQ\YPLZ��SVZ[�� �� � ^HNLZ�HUK�TLKPJHS�L_WLUZLZ��Z\WWVY[LK�I`�L_WLY[Z

���5HTL�HUK�WYHJ[PJLZ�VM�[OL�1\KNL�^OV�^PSS�OLHY�`V\Y�JHZL

>L�^PSS�HK]PZL�`V\�VM�HU`�VMMLY�THKL�I`�[OL�PUZ\YHUJL�JVTWHU �̀�^OL[OLY�P[�PZ�[VV�SV^�HUK� ZOV\SK� IL� YLQLJ[LK�� VY� MHPY� HUK� ZOV\SK� IL� HJJLW[LK��>L� ILSPL]L� HU� VMMLY� PZ� MHPY�^OLU�P[�PZ�SPRLS`�`V\�^PSS�YLJLP]L�SLZZ�TVUL`�I`�JVU[PU\PUN�^P[O�`V\Y�JHZL�[OHU�PM�`V\�HJJLW[�[OL�VMMLY�WYLZLU[LK��(JJLW[HUJL�VM�[OL�VMMLY�PZ�`V\Y�L_JS\ZP]L�KLJPZPVU�[V�THRL��/V^L]LY��PM�`V\�KLJSPUL�HU�VMMLY�[OH[��PU�V\Y�WYVMLZZPVUHS�VWPUPVU��PZ�MHPY��YLHZVUHISL�HUK�ZOV\SK�IL�HJJLW[LK��^L�TH`�HZR�`V\�[V�WH`�M\[\YL�KPZI\YZLTLU[Z��TVUPLZ�^L�ZWLUK�VU�`V\Y�ILOHSM�PU�VYKLY�[V�M\Y[OLY�`V\Y�JHZL��PU�HK]HUJL��

II. LIABILITY (FAULT) AND RELATED INJURIES 0U� VYKLY� [V� TVZ[� Z\JJLZZM\SS`� YLWYLZLU[� `V\�� 1HJVI`� � 4L`LYZ� T\Z[� JVUZPKLY� [^V�PTWVY[HU[�MHJ[VYZ!�SPHIPSP[`�HUK�YLSH[LK�PUQ\YPLZ��

1. Liability = Fault:�(Z�H�Z[HY[PUN�WVPU[�� P[� PZ�ULJLZZHY`� [V�KL[LYTPUL� [OH[�`V\�^LYL�PUQ\YLK�HZ�H�YLZ\S[�VM�ZVTLVUL�LSZL�L_WVZPUN�`V\�[V�\UULJLZZHY`�YPZRZ�VM�OHYT��0M�[OL�WLYZVU�VY�JVTWHU`�[OH[�JH\ZLK�̀ V\Y�HJJPKLU[�RUV^PUNS`�L_WVZLK�̀ V\�[V�\UULJLZZHY`�YPZR�VM�OHYT�[OYV\NO�[OLPY�HJ[PVU�VY�PUHJ[PVU��[OL`�TH`�IL�¸SPHISL¹��YLZWVUZPISL��MVY�[OL�OHYTZ�HUK�SVZZLZ�`V\�Z\MMLYLK�� 0U�VYKLY� [V�YLJV]LY�TVUL`�MVY�`V\Y�OHYTZ�HUK�SVZZLZ��^L�T\Z[�WYV]L�ZVTLVUL�LSZL�^HZ�H[�MH\S[�MVY�[OL�PUQ\Y`�WYVK\JPUN�L]LU[��

2. Related Injuries:�>OLU�ZVTLVUL�PZ�YLZWVUZPISL�MVY�JH\ZPUN�HU�PUQ\Y`�WYVK\JPUN�L]LU[�� [OL �̀�HUK� [OLPY� PUZ\YHUJL�JVTWHU �̀�HYL� YLZWVUZPISL�VUS`� MVY� [OL�OHYTZ�HUK�SVZZLZ�[OH[�KPYLJ[S`�ÅV^�MYVT�[OL�L]LU[��0UZ\YHUJL�JVTWHUPLZ�HYL�YLZWVUZPISL�VUS`�MVY�WH`PUN�MVY�`V\Y�OHYTZ�HUK�SVZZLZ�\W�[V�[OL�WVSPJ`�SPTP[Z�[OH[�[OL�YLZWVUZPISL�WHY[`�OHK�PU�WSHJL�VU�[OL�KH`�VM�[OL�HJJPKLU[��

H� Documented Injuries:�0U�VYKLY�[V�Z\WWVY[�`V\Y�JHZL��P[�PZ�PTWVY[HU[�[V�M\SS`�HUK�HJJ\YH[LS`�KVJ\TLU[�`V\Y� PUQ\Y`� ZV�^L�JHU�WYV]PKL�Z\MÄJPLU[�L]PKLUJL�VM�`V\Y�OHYTZ�HUK�SVZZLZ�[V�[OL�PUZ\YHUJL�JVTWHU �̀�

P� Doctors Records:�0[�PZ�PTWVY[HU[�[OH[�̀ V\Y�TLKPJHS�KVJ[VYZ�RUV^�[OL�M\SS�L_[LU[�VM�[OL�PUQ\Y`�`V\�Z\Z[HPULK�HUK�PM�P[�OHZ�JOHUNLK�`V\Y�SPML�PU�HU`�^H �̀�)L�Z\YL�[V�[LSS�`V\Y�OLHS[O�JHYL�WYV]PKLY�[OPZ�HUK�HU`�V[OLY�JVUJLYUZ�`V\�TH`�OH]L�K\YPUN�LHJO�VM�`V\Y�]PZP[Z�

PP� Scarring:�0M�`V\Y�PUQ\Y`�JYLH[LK�HU`�ZJHYZ��IL�Z\YL�[V�[HRL�WLYPVKPJ�WOV[VZ�VM�[OL�ZJHYYPUN�[V�KVJ\TLU[�[OL�L_[LU[�VM�[OL�KHTHNL��7OV[VZ�ZOV\SK�IL�WYV]PKLK�[V�`V\Y�*HZL�4HUHNLY�

Page 6: Y`JHZL€¦ · strength in evaluating potential automobile accident claims. A BOU T JACOB Y & M EY ERS, LLP 1HJVI` 4L`LYZPZ(TLYPJH»ZTVZ[MHTPSPHYUHTLPUSLNHSYLWYLZLU[H[PVU WYV]PKPUN

6 7

� Death

� ���+PZTLTILYTLU[��SVZZ�VM�H�IVK`�WHY[�

� ���:PNUPÄJHU[�KPZÄN\YLTLU[��ZPNUPÄJHU[�ZJHY�

� ���-YHJ[\YL��IYVRLU�IVUL�

� � Loss of a fetus

� ���7LYTHULU[�SVZZ�VM�\ZL�VM�H�IVK`�VYNHU��TLTILY��M\UJ[PVU��VY�Z`Z[LT�

� ���7LYTHULU[�JVUZLX\LU[PHS�SPTP[H[PVU�VM�\ZL�VM�H�IVK`�VYNHU�VY�TLTILY

� ���:PNUPÄJHU[�SPTP[H[PVU�VM�\ZL�VM�H�IVK`�M\UJ[PVU�VY�Z`Z[LT

� �� �����!�(U`�TLKPJHSS`�KL[LYTPULK�PUQ\Y`�VY�PTWHPYTLU[�^OPJO�JH\ZLZ�`V\�[V�� �� � IL�\UHISL�[V�KV�`V\Y�UVYTHS�KHPS`�HJ[P]P[PLZ�MVY�HU`� ��V\[�VM�[OL�ÄYZ[�����KH`Z��� � MVSSV^PUN�[OL�HJJPKLU[��

;OL�SH^�YLX\PYLZ�X\HSPM`PUN�PUQ\YPLZ�IL�WYV]LU�I`�WVZP[P]L�VIQLJ[P]L�[LZ[Z��490��*;�:JHU��_�YH �̀�VY�ZVTL�V[OLY�TLKPJHSS`�YLJVNUPaLK�[LZ[���0U�HKKP[PVU��H�TLKPJHS�KVJ[VY��^OV�PZ�^PSSPUN�[V�[LZ[PM`�PU�JV\Y[�VU�`V\Y�ILOHSM��T\Z[�YLSH[L�[OL�YLZ\S[Z�VM�Z\JO�[LZ[Z�[V�[OL�PUQ\Y`�`V\�Z\Z[HPULK�PU�[OL�HJJPKLU[��1HJVI`� �4L`LYZ�JHUUV[�SLNHSS`�Z[HY[�H�SH^Z\P[�VU�`V\Y�ILOHSM�PM�`V\Y�PUQ\Y`�PZ�UV[�Z\WWVY[LK�I`�H�WVZP[P]L�VIQLJ[P]L�[LZ[��VY�PM�H�TLKPJHS�KVJ[VY�KVLZ� UV[� Z[H[L�^P[OPU� ���TVU[OZ� MYVT� `V\Y�TV[VY� ]LOPJSL� JVSSPZPVU� [OH[� [OL� WVZP[P]L�VIQLJ[P]L�[LZ[�YLZ\S[�PZ�MYVT�[OL�HJJPKLU[�

***THIS DOES NOT APPLY TO DRIVERS OR PASSENGERS OF MOTORCYCLES, MOPEDS AND ATVS.

I� Who is eligible for No-Fault Benefits in Car/Truck Crashes and Pedestrian/Bicycle Knockdown Cases? All persons injured as a result of the use or operation of H�TV[VY�]LOPJSL��L]LU�WLKLZ[YPHUZ�HUK�IPJ`JSPZ[Z�OP[�I`�H�JHY��HYL�LU[P[SLK�[V�YLJLP]L�5V�-H\S[� ILULÄ[Z� MVY� JVSSPZPVU�YLSH[LK� SVZZLZ�� YLNHYKSLZZ� VM� MH\S[�� Motorcycles, mopeds, and ATVs are excluded and are not entitled to these benefits.�5V�-H\S[�ILULÄ[Z� PUJS\KL� TLKPJHS� IPSSZ�� SVZ[� LHYUPUNZ�� [YH]LS� L_WLUZLZ�� OV\ZLOVSK� JHYL��WYLZJYPW[PVUZ��HUK�KLH[O�ILULÄ[Z�

J� Who pays No-Fault Benefits?�;OL�PUZ\YHUJL�JVTWHU`�PUZ\YPUN�[OL�JHY�`V\�^LYL�PU�WYV]PKLZ� [OL�5V�-H\S[�ILULÄ[Z�\W� [V� [OL� M\SS� L_[LU[�VM� [OL�5V�-H\S[� JV]LYHNL�VU�[OL�JHY��VY�PU�[OL�JHZL�VM�H�WLKLZ[YPHU�VY�IPJ`JSL�RUVJRKV^U��[OL�]LOPJSL�[OH[�Z[Y\JR� `V\��� 0U�5L^�@VYR�� H[� SLHZ[� �������� PU�5V�-H\S[� ILULÄ[Z� PZ� H]HPSHISL� MVY�LHJO�PUQ\YLK�WLYZVU�PU�[OL�JHY�JYHZO��0M�[OL�V^ULY�VM�[OL�JHY�W\YJOHZLK�HKKP[PVUHS�7LYZVUHS�0UQ\Y`�7YV[LJ[PVU��¸707¹��HIV]L�[OL���������TPUPT\T��[OLU�[OL�5V�-H\S[�PUZ\YHUJL�JVTWHU`�PZ�YLZWVUZPISL�MVY�WH`PUN�\W�[V�[OL�M\SS�]HS\L�VM�[OL�HKKP[PVUHS�WVSPJ`�SPTP[Z��

K� What do No-Fault Benefits Include?

P� Medical Bills: 100% of all bills for injuries you sustained in the accident ^PSS�IL�JV]LYLK�\W�[V�[OL�5V�MH\S[�WVSPJ`�SPTP[Z��;OL�5L^�@VYR�:[H[L�0UZ\YHUJL�+LWHY[TLU[�OHZ�H�MLL�ZJOLK\SL�ZL[[PUN�MVY[O�[OL�TH_PT\T�H�OLHS[O�JHYL�WYV]PKLY�TH`�JOHYNL�PU�H�UV�MH\S[�JHZL��@V\�HYL�UV[�YLZWVUZPISL�[V�WH`�HU`[OPUN�V]LY�[OL�UV�MH\S[�MLL�ZJOLK\SL�MVY�HU`�PUKP]PK\HS�TLKPJHS�[YLH[TLU[�

PP� Lost Wages:�@V\�^PSS�IL�JVTWLUZH[LK�MVY�����VM�NYVZZ�^HNLZ�\W�[V��������WLY�TVU[O��MVY�[OL�ÄYZ[�[OYLL�`LHYZ�HM[LY�[OL�HJJPKLU[��(�KVJ[VY�T\Z[�Z[H[L�`V\�HYL�\UHISL�[V�^VYR�K\L�[V�HJJPKLU[�YLSH[LK�PUQ\YPLZ��0M�`V\Y�LHYUPUNZ�HYL�OPNOLY�[OHU� ������� WLY�TVU[O�� `V\Y� SLNHS� [LHT�^PSS� ZLLR� [V� VI[HPU� [OL� SVZ[�TVUPLZ�

MYVT�[OL�ULNSPNLU[�WHY[`»Z� PUZ\YHUJL�JVTWHU �̀�/V^L]LY�� PM�`V\��VY�[OL�V^ULY�VM� [OL�]LOPJSL��W\YJOHZLK�HKKP[PVUHS�6W[PVUHS�)HZPJ�,JVUVTPJ�3VZZ�JV]LYHNL��6),3��HIV]L�[OL��������TPUPT\T��[OLU�[OL�5V�-H\S[� PUZ\YHUJL�JVTWHU`�PZ�YLZWVUZPISL�MVY�WH`PUN�[OL�HKKP[PVUHS�SVZ[�^HNLZ�\W�[V�[OL�]HS\L�VM�[OH[�WVSPJ �̀

PPP� Travel Expenses:� ;OVZL� L_WLUZLZ� PUJ\YYLK� MVY� [YPWZ� [V� HUK� MYVT� KVJ[VYZ��OVZWP[HSZ�� [LZ[PUN�� HUK� WO`ZPJHS� [OLYHW`� ^PSS� IL� JV]LYLK��;OL� YLPTI\YZLTLU[�YH[L�MVY�[YH]LS�L_WLUZLZ�PZ�JVU[YVSSLK�I`�[OL�09:�TPSLHNL�YH[L�HUK�PZ�Z\IQLJ[�[V�JOHUNL�

P]� Household Care:�0M�`V\Y�KVJ[VY�Z[H[LZ�[OH[�`V\�YLX\PYL�H[�OVTL�JHYL��[OVZL�L_WLUZLZ�^PSS�IL�JV]LYLK�

]� Prescriptions: 100% of the costs of all accident-related prescriptions are WYV]PKLK�MVY�\UKLY�[OL�UV�MH\S[�MLL�ZJOLK\SL�

]P� Death Benefit:�0M�KLH[O�YLZ\S[LK�MYVT�[OL�JHY�HJJPKLU[��[OL�5V�-H\S[�PUZ\YHUJL�JVTWHU`�PZ�YLZWVUZPISL�MVY�WH`PUN�H��������KLH[O�ILULÄ[�

L� How to Apply for No-Fault Benefits:�(WWS`PUN�MVY�5V�-H\S[�ILULÄ[Z�PZ�LHZ �̀�@V\Y�SLNHS�[LHT�^PSS�OLSW�`V\�[OYV\NO�[OL�WYVJLZZ��-PYZ[��H�5V�-H\S[�HWWSPJH[PVU�T\Z[�IL�ÄSLK�^P[O�[OL�5V�-H\S[�PUZ\YHUJL�JVTWHU`�[V�Z[HY[�`V\Y�5V�-H\S[�JSHPT��@V\Y�SLNHS�[LHT�^PSS�ÄSL�[OPZ�PUP[PHS�HWWSPJH[PVU�MVY�`V\��;LU�KH`Z�HM[LY�`V\Y�JSHPT�OHZ�ILLU�LZ[HISPZOLK��^L�^PSS�THPS�`V\�[OL�MVYTZ�[OH[�T\Z[�IL�\ZLK�^OLU�Z\ITP[[PUN�JSHPTZ�MVY�[OLZL�ILULÄ[Z��

While many other law firms charge for filing No-Fault applications, Jacoby & Meyers does not receive a fee for any assistance we provide related to your application and submission of paperwork for No-Fault benefits.

M� No-Fault Benefit and Workers’ Compensation:� >OV� HJ[\HSS`� WH`Z� MVY� `V\Y�TLKPJHS��^HNL��HUK�V[OLY�RPUKZ�VM�JSHPTZ�KLWLUKZ�\WVU�^OL[OLY�VY�UV[�`V\�^LYL�^VYRPUN��VY� PU� [OL�JV\YZL�VM� `V\Y�LTWSV`TLU[�� H[� [OL� [PTL�VM� `V\Y�HJJPKLU[�� 0M�`V\�^LYL�PU�[OL�JV\YZL�VM�`V\Y�LTWSV`TLU[�H[�[OL�[PTL�VM�[OL�HJJPKLU[��>VYRLYZ»�*VTWLUZH[PVU�̂ PSS�WH`�HSS�5V�MH\S[�ILULÄ[Z��0M�̀ V\�̂ LYL�56;�PU�[OL�JV\YZL�VM�̀ V\Y�LTWSV`TLU[�H[�[OL�[PTL�VM�`V\Y�HJJPKLU[��`V\Y�5V�-H\S[�PUZ\YHUJL�JHYYPLY�WYV]PKLZ�`V\Y�WYPTHY`�PUZ\YHUJL�JV]LYHNL��

P� Medical Bills:�@V\Y�OLHS[O�JHYL�WYV]PKLYZ�^PSS�Z\ITP[�[OLPY�IPSSZ�KPYLJ[S`�[V�`V\Y�5V�-H\S[�PUZ\YHUJL�JHYYPLY�PM�`V\�^LYL�UV[�^VYRPUN�H[�[OL�[PTL�VM�[OL�JYHZO�VY�[OL`�^PSS�Z\ITP[�[OLPY�IPSSZ�KPYLJ[S`�[V�[OL�^VYRLYZ»�JVTWLUZH[PVU�JHYYPLY�PM�`V\�^LYL�^VYRPUN�H[�[OL�[PTL�VM�`V\Y�JYHZO��@V\Y�OLHS[O�JHYL�WYV]PKLYZ�^PSS�ULLK�[V�IL�WYV]PKLK�^P[O�[OL�UHTL��HKKYLZZ��HUK�JSHPT�U\TILY�VM�[OL�5V�-H\S[�JHYYPLY�VY�[OL�^VYRLYZ»�JVTWLUZH[PVU�JSHPT�U\TILY�ZV�[OL`�JHU�WYVWLYS`�Z\ITP[�[OLPY�IPSSZ�

PP� Lost Wages: >OV�WH`Z�̀ V\Y�SVZ[�̂ HNL�ILULÄ[Z�KLWLUKZ�\WVU�̀ V\Y�̂ VYR�Z[H[\Z�^OLU�[OL�JYHZO�VJJ\YYLK�¶�LTWSV`LK�I\[�UV[�^VYRPUN�H[�[OL�[PTL�VM�[OL�JYHZO��LTWSV`LK� HUK�^VYRPUN� H[� [OL� [PTL�VM� [OL� JYHZO�� ZLSM�LTWSV`LK�� \ULTWSV`LK�YLJLP]PUN�\ULTWSV`TLU[�ILULÄ[Z��KPZHISLK�HUK�YLJLP]PUN�KPZHIPSP[`�ILULÄ[Z!

�� Employed, but Not Working at the Time of the Crash:�0M�̀ V\�̂ LYL�UV[�PU�[OL�JV\YZL�VM�`V\Y�LTWSV`TLU[�^OLU�[OL�JYHZO�VJJ\YYLK��I\[�^LYL�LTWSV`LK��[OL�5V�-H\S[�PUZ\YHUJL�JVTWHU`�^PSS�WH`�H�WVY[PVU�VM�`V\Y�SVZ[�^HNLZ�

Page 7: Y`JHZL€¦ · strength in evaluating potential automobile accident claims. A BOU T JACOB Y & M EY ERS, LLP 1HJVI` 4L`LYZPZ(TLYPJH»ZTVZ[MHTPSPHYUHTLPUSLNHSYLWYLZLU[H[PVU WYV]PKPUN

8 9

H� @V\Y�LTWSV`LY�T\Z[�ÄSS�V\[�HU�,TWSV`LY»Z�>HNL�=LYPÄJH[PVU�9LWVY[�

I� @V\�T\Z[�THPS� H� KVJ[VY»Z� UV[L� Z[H[PUN� `V\� HYL� \UHISL� [V�^VYR�� HSVUN�^P[O� [OL�,TWSV`LY»Z�>HNL�=LYPÄJH[PVU�9LWVY[�� [V� [OL�5V�-H\S[� PUZ\YHUJL�JVTWHU`�ZV�[OL`�JHU�OVUVY�`V\Y�SVZ[�^HNL�JSHPT�

J� Lost wages will only be paid for three years following the date of HJJPKLU[�

�� Employed and Working at the Time of the Crash:�0M�`V\�^LYL�PU�[OL�JV\YZL�VM�`V\Y�LTWSV`TLU[�H[�[OL�[PTL�VM�`V\Y�HJJPKLU[��`V\�T\Z[�HWWS`�MVY�^VYRLYZ»�JVTWLUZH[PVU�ILULÄ[Z�[OYV\NO�`V\Y�LTWSV`LY�

H��;OL�^VYRLYZ»�JVTWLUZH[PVU�JHYYPLY�PZ�YLZWVUZPISL�MVY�WH`PUN�H�WVY[PVU�VM�`V\Y�LHYUPUNZ�HUK�[OL�5V�-H\S[�PUZ\YHUJL�JHYYPLY�PZ�YLZWVUZPISL�MVY�WH`PUN�[OL�IHSHUJL��\W�[V�����VM�̀ V\Y�̂ HNLZ�UV[�[V�L_JLLK��������WLY�TVU[O��-VY�L_HTWSL��PM�^VYRLYZ»�JVTWLUZH[PVU�PZ�WH`PUN���������VM�`V\Y�^HNLZ��`V\Y�5V�-H\S[�JHYYPLY�^PSS�WH`���������VM�`V\Y�^HNLZ��MVY�H�[V[HS�VM�����^P[O�H�TH_PT\T�VM��������WLY�TVU[O�

I��>VYRLYZ»� JVTWLUZH[PVU� SH^� PZ� JVTWSL_� HUK�^L� Z[YVUNS`� YLJVTTLUK�[OH[�`V\�HZR�`V\Y�JHZL�THUHNLY� [V�OH]L�H� YLWYLZLU[H[P]L� MYVT�V\Y� ZPZ[LY�ÄYT��-PUL��6SPU�HUK�(UKLYTHU��337��JVU[HJ[�`V\��ZV�[OL`�JHU�HZZPZ[�`V\�PU�VI[HPUPUN�HSS�`V\Y�^VYRLYZ»�JVTWLUZH[PVU�ILULÄ[Z�

�� Self Employed Individuals:� 0M� `V\� HYL� ZLSM� LTWSV`LK�� `V\� ^PSS� ULLK� [V�JVTWSL[L� H�=LYPÄJH[PVU� VM� :LSM� ,TWSV`TLU[� MVYT��;OL�=LYPÄJH[PVU� VM� :LSM�,TWSV`TLU[��̂ P[O�JVWPLZ�VM�̀ V\Y�WYL]PV\Z�[^V�̀ LHY»Z�PUJVTL�[H_�YLJVYKZ��T\Z[�IL�Z\ITP[[LK�I`�̀ V\�[V�̀ V\Y�5V�-H\S[�PUZ\YHUJL�JHYYPLY�PU�VYKLY�[V�YLJLP]L�SVZ[�^HNLZ��0M�`V\�OPYL�ZVTLVUL�[V�WLYMVYT�[OL�HJ[P]P[PLZ�`V\�WLYMVYTLK��[OL�5V�-H\S[�JHYYPLY�^PSS�WH`������VM�`V\Y�Z\IZ[P[\[L»Z�ZHSHY`��L]LU�PM�P[»Z�NYLH[LY�[OHU�`V\Y�ZHSHY`���\W�[V��������WLY�TVU[O��MVY�\W�[V�[OYLL�`LHYZ��

�� Unemployment Benefits:� @V\� ^PSS� YLJLP]L� ����� VM� `V\Y� ^LLRS`�\ULTWSV`TLU[� YH[L� MYVT� [OL�5V�-H\S[� JHYYPLY� [V� JV]LY�\ULTWSV`TLU[� [OH[�VJJ\YYLK�K\YPUN�`V\Y�KPZHIPSP[ �̀

H��@V\� cannot� JVSSLJ[� IV[O� \ULTWSV`TLU[� HUK�5V�-H\S[� ILULÄ[Z� H[� [OL�ZHTL�[PTL��;OL�KPZHIPSP[`�MYVT�[OL�HJJPKLU[�Z\ZWLUKZ�`V\Y�\ULTWSV`TLU[�ILULÄ[Z�MVY�[OL�[PTL�`V\�HYL�KPZHISLK�

I��0M�`V\�HYL�KPZHISLK�HZ�H�YLZ\S[�VM�HU�PUQ\Y`�MYVT�`V\Y�HJJPKLU[��I\[�`V\�JVU[PU\L�[V�JVSSLJ[�\ULTWSV`TLU[�ILULÄ[Z��`V\�HYL��PU�LMMLJ[��[LSSPUN�[OL�5V�-H\S[�PUZ\YHUJL�JHYYPLY�[OH[�`V\�HYL�HISL�[V�^VYR�^OLU�`V\Y�KVJ[VY�ZH`Z�`V\�HYL�UV[��;OLYLMVYL��VUJL�`V\Y�\ULTWSV`TLU[�ILULÄ[Z�Y\U�V\[��`V\�^PSS�UV[�IL�HISL�[V�JVSSLJ[�5V�-H\S[�^HNLZ�ILJH\ZL�5V�-H\S[�^HNLZ�HYL�IHZLK�\WVU�HU�PUQ\Y`�[OH[�WYL]LU[Z�`V\�MYVT�^VYRPUN��

J��0M��H[�[OL�[PTL�VM�̀ V\Y�HJJPKLU[��̀ V\�̂ LYL�JVSSLJ[PUN�\ULTWSV`TLU[�ILULÄ[Z�HUK�`V\Y�KVJ[VY�[LSSZ�`V\�[OH[�`V\�HYL�\UHISL�[V�^VYR��`V\�T\Z[�HK]PZL�[OL�<ULTWSV`TLU[�6MÄJL�� 0U�VYKLY� [V�WYLZLY]L� `V\Y�\ULTWSV`TLU[�ILULÄ[Z�HUK�JVSSLJ[�5V�-H\S[��`V\�T\Z[�JVTWSL[L�[OL�MVSSV^PUN�Z[LWZ!

P�� 6);(05� (� 3,;;,9� 6-� +0:()030;@� -964� @6<9� +6*;69�05+0*(;05.�;/(;�@6<�(9,�<5()3,�;6�>692�

PP�� :<)40;� ;/,� +6*;69»:� 3,;;,9� 6-� +0:()030;@� ;6� ;/,�<5,4736@4,5;�6--0*,��.,;�(�3,;;,9�-964�<5,4736@4,5;�:;(;05.�;/,�>,,23@�9(;,�6-�@6<9�7(@4,5;:�(5+�;/,�+(;,:�@6<�),*(4,�,30.0)3,�-69�),5,-0;:�

PPP��4(03�;/,�<5,4736@4,5;�05-694(;065�;6�;/,�56�-(<3;�05:<9(5*,�*(990,9�

�� New York State Disability: 0M�`V\�HYL�YLJLP]PUN�5L^�@VYR�:[H[L�+PZHIPSP[ �̀�THPS�H�WOV[VJVW`�VM�VUL�VM�[OL�KPZHIPSP[`�JOLJRZ�[V�[OL�5V�-H\S[�PUZ\YHUJL�JVTWHU �̀�HZ�[OH[�HTV\U[�^PSS�IL�KLK\J[LK�MYVT�^OH[�5V�-H\S[�ZOV\SK�WH �̀�5L^�@VYR�:[H[L�+PZHIPSP[`�T\Z[�IL�HWWSPLK�MVY�̂ P[O�̀ V\Y�LTWSV`LY»Z�PUZ\YHUJL�JVTWHU`�^P[OPU����KH`Z�VM�`V\Y�HJJPKLU[�VY�^P[OPU����KH`Z�MYVT�[OL�KH[L�`V\�ILJVTL�KPZHISLK�� 0M�`V\�HYL�\UZ\YL� PM�`V\�HYL�LU[P[SLK� [V� YLJLP]L� [OPZ�ILULÄ[��JOLJR�^P[O�`V\Y�LTWSV`LY�PTTLKPH[LS �̀�5L^�@VYR�:[H[L�+PZHIPSP[`�WH`Z�MVY����^LLRZ��UV[�PUJS\KPUN�[OL�ÄYZ[�^LLR�`V\�HYL�KPZHISLK���;OL�5V�-H\S[� PUZ\YHUJL�JHYYPLY�^PSS�WH`�����VM�LHYUPUNZ� �MVY�VUS`� [OL�ÄYZ[�^LLR���5L^�@VYR�:[H[L�+PZHIPSP[`�̂ PSS�WH`�H�TH_PT\T�HTV\U[�VM���������WLY�̂ LLR��;OPZ�HTV\U[�PZ�KLK\J[LK�MYVT�[OL�����VM�SVZ[�^HNLZ�WHPK�I`�`V\Y�5V�-H\S[�PUZ\YHUJL�JHYYPLY�

PPP� Travel Expenses:�;V� YLJLP]L�WH`TLU[�� `V\�T\Z[� PUKPJH[L� [OL�UHTL�VM� [OL�OLHS[O�JHYL�WYV]PKLY�� [OL�KH[L�VM� [OL�VMÄJL�]PZP[��HUK�[OL�YV\UK�[YPW�TPSLHNL��;OL�5V�MH\S[�PUZ\YHUJL�JVTWHU`�PZ�YLX\PYLK�[V�WH`�����WLY�KH`�[V[HS�MVY�[YH]LS�L_WLUZLZ� HUK� OV\ZLOVSK� OLSW� VUS`� K\YPUN� [OL� ÄYZ[� `LHY� HM[LY� [OL� HJJPKLU[��*SHPTZ�T\Z[� IL� Z\ITP[[LK�^P[OPU� ��� KH`Z� VM� [OL� [YH]LS�� 0M� `V\�^LYL� PU� [OL�JV\YZL�VM�`V\Y�LTWSV`TLU[�H[� [OL� [PTL�VM�JYHZO�� [OL�^VYRLYZ»�JVTWLUZH[PVU�^PSS�WH`�`V\Y�[YH]LS�L_WLUZLZ�HUK�`V\�^PSS�UV[�JVSSLJ[�HU`[OPUN�MYVT�[OL�5V�-H\S[�PUZ\YHUJL�JVTWHU �̀

P]�� Household Care:� ;V� X\HSPM �̀� `V\Y� KVJ[VY� T\Z[� WYV]PKL� H� SL[[LY� Z[H[PUN�OV\ZLOVSK�JHYL�PZ�YLX\PYLK��;OL�KVJ[VY»Z�SL[[LY�ZOV\SK�IL�ZLU[�[V�[OL�5V�-H\S[�PUZ\YHUJL�JVTWHU`�HSVUN�̂ P[O�[OL�MVYT�WYV]PKLK�I`�V\Y�VMÄJL��SPZ[PUN�[OL�KH[LZ�VU�^OPJO�JHYL�^HZ�WYV]PKLK��)V[O�`V\�HUK�[OL�WLYZVU�WYV]PKPUN�[OL�OV\ZLOVSK�JHYL�T\Z[�ZPNU�[OL�MVYT��@V\�^PSS�ULLK�[V�WH`�MVY�OV\ZLOVSK�JHYL�V\[�VM�WVJRL[�HUK� Z\ITP[� YLJLPW[Z�VY� JVWPLZ�VM� JOLJRZ� [V� [OL� PUZ\YHUJL�JVTWHU`� PU�VYKLY�[V� YLJLP]L� YLPTI\YZLTLU[��4VZ[�5V�-H\S[� PUZ\YHUJL�JHYYPLYZ�^PSS� UV[�WH`� MVY�OV\ZLOVSK�JHYL�[OH[�OHZ�ILLU�YLUKLYLK�I`�H�ZWV\ZL��WHYLU[��VY�MHTPS`�TLTILY���0M�`V\�^LYL�PU�[OL�JV\YZL�VM�`V\Y�LTWSV`TLU[�H[�[OL�[PTL�VM�[OL�JYHZO��^VYRLYZ»�JVTWLUZH[PVU�KVLZ�UV[�WYV]PKL�H�OV\ZLOVSK�OLSW�ILULÄ[��*VZ[Z�PUJ\YYLK�MVY�OV\ZLOVSK�OLSW�T\Z[�IL�Z\ITP[[LK�[V�`V\Y�5V�-H\S[� PUZ\YHUJL�JHYYPLY�^P[OPU����KH`Z�VM�ZLY]PJL�

]��Prescriptions:�;V�YLJLP]L�YLPTI\YZLTLU[�MVY�WYLZJYPW[PVU�L_WLUZLZ��YLJLPW[Z�MVY�HSS�WYLZJYPW[PVUZ�T\Z[�IL�Z\ITP[[LK�HSVUN�^P[O�[OL�HWWYVWYPH[L�WYLZJYPW[PVU�MVYT�WYV]PKLK�I`�`V\Y�SLNHS�[LHT��(S^H`Z�^YP[L�[OL�UHTL�VM�[OL�KVJ[VY�^OV�WYLZJYPILK�[OL�TLKPJPUL�HUK�[OL�UHTL�VM�[OL�TLKPJH[PVU�VU�[OL�YLJLPW[��*SHPTZ�T\Z[�IL�Z\ITP[[LK�̂ P[OPU����KH`Z�VM�[OL�WYLZJYPW[PVU�ILPUN�ÄSSLK��0M�̀ V\�̂ LYL�PU�

Page 8: Y`JHZL€¦ · strength in evaluating potential automobile accident claims. A BOU T JACOB Y & M EY ERS, LLP 1HJVI` 4L`LYZPZ(TLYPJH»ZTVZ[MHTPSPHYUHTLPUSLNHSYLWYLZLU[H[PVU WYV]PKPUN

10 11

[OL�JV\YZL�VM�`V\Y�LTWSV`TLU[�H[�[OL�[PTL�VM�[OL�JYHZO��>VYRLYZ»�JVTWLUZH[PVU�^PSS�WH`�MVY�[OL�WYLZJYPW[PVU�L_WLUZLZ�HUK�`V\�^PSS�UV[�JVSSLJ[�HU`[OPUN�MYVT�[OL�5V�-H\S[�PUZ\YHUJL�JVTWHU �̀

]P��Death Benefit:��(�JVW`�VM�[OL�ZPNULK�KLH[O�JLY[PÄJH[L�T\Z[�IL�WYV]PKLK�[V�[OL�5V�-H\S[�PUZ\YHUJL�JVTWHU`�PU�VYKLY�[V�YLJLP]L�[OL�KLH[O�ILULÄ[��:VTL�JHYYPLYZ�^PSS�^HU[�SL[[LYZ�VM�HKTPUPZ[YH[PVU�MYVT�[OL�JV\Y[�

g� Timing and Payment:�;OL�5V�-H\S[�JHYYPLY�OHZ�\W�[V����KH`Z�MYVT�[OL�KH[L�[OL`�YLJLP]L�HSS�Z\ITPZZPVUZ�[V�L]HS\H[L�`V\Y�JSHPT��-VY�L_HTWSL��PM�`V\�THRL�H�JSHPT�MVY�TPSLHNL�K\L�[V�H�KVJ[VY�]PZP[��[OL�5V�-H\S[�PUZ\YHUJL�JHYYPLY�JHU�^HP[�\U[PS�[OL`�YLJLP]L�[OL�JVYYLZWVUKPUN�TLKPJHS�YLJVYK�MVY�[OL�ZHTL�KH[L�[V�JVUÄYT�[OH[��PU�MHJ[��`V\�^LU[�[V�[OL�KVJ[VY�VU�[OL�KH`�JSHPTLK�

O� Common Sense Rules When Submitting Paperwork to the No Fault Carrier or Worker’s Compensation Carrier:

����7OV[VJVW`�L]LY`[OPUN�`V\�ZLUK�[V�LP[OLY�[OL�5V�-H\S[�*HYYPLY�VY�>VYRLY»Z�*VTWLUZH[PVU�*HYYPLY�

����>YP[L�`V\Y�JSHPT�U\TILY��UHTL�HUK�HKKYLZZ�VU�L]LY`�Z\ITPZZPVU�

����)L�Z\YL�[V�ZLUK�JSHPTZ�[V�[OL�JVYYLJ[�HKKYLZZ��

P� The “Independent” Medical Exam and Denial of Benefits:

P��The “IME”:�([�ZVTL�WVPU[��[OL�5V�-H\S[�VY�>VYRLYZ»�*VTWLUZH[PVU�PUZ\YHUJL�JVTWHU`�̂ PSS�ZLUK�̀ V\�[V�H�KVJ[VY�[OL`�OPYL�[V�KL[LYTPUL�PM�̀ V\�YLX\PYL�HKKP[PVUHS�TLKPJHS�[YLH[TLU[��;OPZ�PZ�JHSSLK�HU�0UKLWLUKLU[�4LKPJHS�,_HTPUH[PVU�VY�̧ 04,¹��;OLYL�PZ��OV^L]LY��UV[OPUN�PUKLWLUKLU[�HIV\[�P[��>OLU�`V\�YLJLP]L�H�SL[[LY�MYVT�[OL� 5V�-H\S[� VY�>VYRLYZ»� *VTWLUZH[PVU� PUZ\YHUJL� JVTWHU`� YLX\LZ[PUN� [OL�L_HT��WSLHZL�JVU[HJ[�`V\Y� 1HJVI`� �4L`LYZ�*HZL�4HUHNLY�� 0[� PZ� PTWVY[HU[� [V�H[[LUK�`V\Y�04,�HWWVPU[TLU[�HZ�MHPS\YL�[V�KV�ZV�JV\SK�YLZ\S[�PU�[OL�JHUJLSSH[PVU�HUK�KLUPHS�VM�HU`�M\Y[OLY�5V�-H\S[�VY�>VYRLYZ»�*VTWLUZH[PVU�ILULÄ[Z��

PP�� The Denial:� 0M� [OL� PUZ\YHUJL� JVTWHU`� KVJ[VY� ZH`Z� `V\� ^PSS� UV[� ILULÄ[�MYVT�M\Y[OLY�TLKPJHS� [YLH[TLU[��`V\Y�PUZ\YHUJL�JVTWHU`�^PSS�KLU`�HSS� M\Y[OLY�[YLH[TLU[� MYVT� [OH[� [`WL� VM� KVJ[VY�� ;OPZ� PZ� JHSSLK� H� ¸KLUPHS¹��@V\Y� 5V�-H\S[�ILULÄ[Z�̂ PSS�YLTHPU�VWLU�HUK�H]HPSHISL�MVY�[YLH[TLU[�̂ P[O�V[OLY�[`WLZ�VM�KVJ[VYZ��-VY�L_HTWSL��PM�`V\�HYL�[YLH[PUN�^P[O�H�UL\YVSVNPZ[�MVY�ULJR�WHPU�HUK�`V\Y�5V�-H\S[� PUZ\YHUJL�JVTWHU`�KLUPLZ� M\[\YL�UL\YVSVNPJHS�JHYL�HM[LY�H�UL\YVSVNPJHS�04,��`V\�JHU��HUK�ZOV\SK��ZLL�HU�VY[OVWLKPZ[�MVY�[OL�ULJR�WHPU�PM�`V\�MLLS�P[�PZ�TLKPJHSS`�ULJLZZHY`�[V�KV�ZV�

PPP��Medical Care After The Denial:� 0M� `V\�OH]L�WYP]H[L�OLHS[O� PUZ\YHUJL��`V\Y�WYP]H[L�OLHS[O� PUZ\YHUJL�JVTWHU`�TH`�ILNPU�WH`PUN� M\[\YL�TLKPJHS�IPSSZ�HM[LY�H�KLUPHS�� 0M�`V\�KV�UV[�OH]L�WYP]H[L�OLHS[O� PUZ\YHUJL��`V\�HYL�UV[� YLX\PYLK� [V�HJJLW[�[OL�04,�KVJ[VY»Z�VWPUPVU��@V\�TH`�JVU[PU\L�[V�[YLH[�̂ P[O�[OL�[`WL�VM�KVJ[VY�ILULÄ[Z�̂ LYL�KLUPLK�MVY�HUK�[OLU�HYIP[YH[L�[OL�JVZ[�M\[\YL�TLKPJHS�[YLH[TLU[�HM[LY�[OL�SH^Z\P[�PZ�V]LY��(U�PUKLWLUKLU[�HYIP[YH[VY�^PSS�IL�HZRLK�[V�KLJPKL�PM�[OL�5V�-H\S[� PUZ\YHUJL�JVTWHU`�^HZ�JVYYLJ[� PU�KLU`PUN�`V\Y�ILULÄ[Z�� 0M�`V\�^PU� [OL�HYIP[YH[PVU��[OL�5V�-H\S[�JVTWHU`�^PSS�IL�YLX\PYLK�[V�WH`�MVY�TLKPJHS�[YLH[TLU[�HUK�SVZ[�^HNLZ�[OH[�^LYL�WYVWLYS`�Z\ITP[[LK�^P[OPU� ��KH`Z�VM�[YLH[TLU[��0M�`V\�SVZL�[OL�HYIP[YH[PVU��`V\�HYL�YLZWVUZPISL�MVY�WH`TLU[�VM�[OL�TLKPJHS�JHYL�PM�`V\�

OH]L�UV�V[OLY�OLHS[O�PUZ\YHUJL�[OH[�^PSS�WH`�MVY�P[��@V\Y�1HJVI`� �4L`LYZ�*HZL�4HUHNLY�^PSS�L_WSHPU�[OL�HYIP[YH[PVU�WYVJLZZ�[V�`V\�

P]��Important Reminders about Insurance Medical Exams:

���+V�UV[�TPZZ�`V\Y�HWWVPU[TLU[�^P[O�[OL�KVJ[VY�

���;OL�PUZ\YHUJL�JVTWHU`�JHU�OH]L�`V\�H[[LUK�TVYL�[OHU�VUL�04,��@V\�HYL�YLX\PYLK�[V�H[[LUK�HSS�04,»Z�[V�JVU[PU\L�`V\Y�ILULÄ[Z�

���0M�[OLYL�PZ�H�KLUPHS!

H�� ;Y`� [V� NL[� `V\Y� WLYZVUHS� OLHS[O� PUZ\YHUJL� [V� JV]LY� `V\Y� TLKPJHS�WH`TLU[Z�

I�� *VUZPKLY� ZLLPUN� H� KPMMLYLU[� ZWLJPHSPZ[� ^OVZL� ILULÄ[Z� OH]L� UV[� ILLU�KLUPLK�MVY�[OL�ZHTL�Z`TW[VTZ�

J��*VU[PU\L�[V�Z\ITP[�HSS�`V\Y�TLKPJHS�IPSSZ�[V�[OL�5V�-H\S[�HUK�>VYRLYZ»�*VTWLUZH[PVU�JHYYPLY�L]LU�PM�[OL`�OH]L�ILLU�KLUPLK�

���@V\�ZOV\SK�UV[�HYIP[YH[L�H�5V�-H\S[�KLUPHS�\U[PS�`V\Y�SH^Z\P[�PZ�V]LY�

Q� Underinsured, Uninsured and No Insurance: Underinsurance Coverage:� 0M� [OL�]HS\L�VM�`V\Y�OHYTZ�HUK�SVZZLZ�L_JLLKZ� [OL�HTV\U[�VM� PUZ\YHUJL�H]HPSHISL� MYVT�[OL�H[� MH\S[�]LOPJSL��^L�^PSS�KL[LYTPUL� PM�[OLYL� PZ� HKKP[PVUHS� JV]LYHNL�H]HPSHISL��;OLYL�HYL� ZL]LYHS�^H`Z� [OH[� HKKP[PVUHS�JV]LYHNL�TH`�HWWS`!�

���;OYV\NO�[OL�<UKLYPUZ\YHUJL�JV]LYHNL�VM� [OL�]LOPJSL�`V\�^LYL� PU�H[� [OL�[PTL�VM�[OL�HJJPKLU[

���;OYV\NO�[OL�<UKLYPUZ\YHUJL�JV]LYHNL�VM�H�]LOPJSL�`V\�V^U��L]LU�PM�[OH[�]LOPJSL�^HZ�UV[�PU]VS]LK�PU�[OL�HJJPKLU[�

���;OYV\NO�[OL�<UKLYPUZ\YHUJL�JV]LYHNL�VM�H�]LOPJSL�V^ULK�I`�HU`�YLSH[P]L�[OH[�SP]LZ�^P[O�`V\��L]LU�PM�[OH[�]LOPJSL�^HZ�UV[�PU]VS]LK�PU�[OL�HJJPKLU[�

0M� [OLYL� PZ� HKKP[PVUHS� JV]LYHNL� H]HPSHISL�� ^L� ^PSS� W\YZ\L� P[� \W� [V� [OL� ]HS\L�VM� `V\Y� OHYTZ� HUK� SVZZLZ��@V\Y� 1HJVI`� �4L`LYZ� SLNHS� [LHT� �T\Z[� L_HTPUL�[OL� +LJSHYH[PVU� WHNL� VM� LHJO� WVSPJ`� [V� KL[LYTPUL� PM� Z\JO� JV]LYHNL� L_PZ[Z��7SLHZL�WYV]PKL�`V\Y�1HJVI`� �4L`LYZ�*HZL�4HUHNLY�^P[O�H�JVW`�VM�[OL�LU[PYL�H\[VTVIPSL�HUK�HU`�\TIYLSSH�PUZ\YHUJL�WVSPJPLZ�MVY�[OL�]LOPJSL�`V\�^LYL�PU��HZ�well as your own policies and the policies of any relative who lives with you HUK�V^UZ�H�TV[VY�]LOPJSL�

P�� Uninsurance:� <UPUZ\YHUJL� JV]LYHNL� HWWSPLZ� PM� [OL� H[� MH\S[� ]LOPJSL� PZ� UV[�PUZ\YLK�� � 0M� H� ]LOPJSL� `V\� V^U�� VY� [OL� ]LOPJSL� `V\�^LYL� PU�� � PZ� PUZ\YLK�� [OL�\UPUZ\YHUJL�JV]LYHNL�MVY�[OH[�]LOPJSL�TH`�THRL�̀ V\�LSPNPISL�MVY�H�TVUL`�H^HYK�PM�`V\�OH]L�H�X\HSPM`PUN�PUQ\Y`�HZ�V\[SPULK�HIV]L��

PP��No Insurance: 0M�[OL�H[�MH\S[�]LOPJSL�OHZ�UV�PUZ\YHUJL�HUK�`V\�KV�UV[�V^U�H�JHY�VY�SP]L�^P[O�H�YLSH[P]L�[OH[�V^UZ�H�JHY��[OLU�`V\�TH`�IL�LSPNPISL�[V�ÄSL�H�JSHPT�^P[O�[OL�4V[VY�=LOPJSL�(JJPKLU[�0UKLTUPÄJH[PVU�*VYWVYH[PVU��4=(0*����4=(0*�WYV]PKLZ�TPUPT\T�PUZ\YHUJL�JV]LYHNL�[V�WLVWSL�PUQ\YLK�PU�JHY�JYHZOLZ�^OLU�UV�V[OLY�PUZ\YHUJL�L_PZ[Z���4=(0*�YLX\PYLZ�HSS�JSHPTHU[Z�OH]L�H�X\HSPM`PUN�PUQ\Y`�HZ�V\[SPULK�HIV]L�

Page 9: Y`JHZL€¦ · strength in evaluating potential automobile accident claims. A BOU T JACOB Y & M EY ERS, LLP 1HJVI` 4L`LYZPZ(TLYPJH»ZTVZ[MHTPSPHYUHTLPUSLNHSYLWYLZLU[H[PVU WYV]PKPUN

12 13

PPP��Filing for Underinsurance, Uninsurance, MVAIC: 0U�VYKLY� [V�WYV[LJ[� `V\Y�YPNO[Z��`V\Y�SLNHS�[LHT�T\Z[�ÄSL�[OYLL�MVYTZ�^P[O�`V\Y�V^U�PUZ\YHUJL�JVTWHU �̀�W\[[PUN� [OLT�VU�UV[PJL� VM� H�potential� JSHPT��5V[PJL�T\Z[� IL� ÄSLK�^P[OPU� ��KH`Z�MYVT�[OL�HJJPKLU[��-HPS\YL�[V�KV�ZV�^PSS�WYL]LU[�`V\�MYVT�THRPUN�H�JSHPT�HNHPUZ[�`V\Y�PUZ\YHUJL�JVTWHU`�MVY�ILULÄ[Z��^OPJO�`V\�HSYLHK`�WHPK�MVY�^P[O�`V\Y�WYLTP\TZ���@V\Y�M\[\YL�WYLTP\TZ�HYL�UV[�SPRLS`�[V�IL�HMMLJ[LK�I`�ÄSPUN�H�JSHPT�MVY�\UKLYPUZ\YHUJL�HUK�\UPUZ\YHUJL�ILULÄ[Z��@V\Y�SLNHS�[LHT�^PSS�HSZV�ÄSL�^P[O�4=(0*�Q\Z[�PU�JHZL�P[�[\YUZ�V\[�[OLYL�PZ�UV�H]HPSHISL�PUZ\YHUJL�[OYV\NO�HU`�PUZ\YHUJL�WVSPJ �̀

R� Property Damage to Your Vehicle:

P��If you have collision coverage�0U�WSHJL�MVY�`V\Y�]LOPJSL��[OL�WYVWLY[`�KHTHNL�[V�`V\Y�]LOPJSL�^PSS�IL�YLPTI\YZLK�[V�`V\�MYVT�`V\Y�V^U�PUZ\YHUJL�JVTWHU �̀�@V\Y�PUZ\YHUJL�JHYYPLY�ZOV\SK�WH`�`V\Y�WYVWLY[`�KHTHNL�TPU\Z�`V\Y�KLK\J[PISL��0M�`V\�OH]L�¸H\[VTVIPSL�YLU[HS�JV]LYHNL¹�HZ�WHY[�VM�`V\Y�WVSPJ �̀�`V\Y�PUZ\YHUJL�JVTWHU`�^PSS� WH`� MVY� H� YLU[HS� JHY� ^OPSL� `V\Y� ]LOPJSL� PZ� ILPUN� Ä_LK�� *OLJR�KPYLJ[S`�^P[O�`V\Y�PUZ\YHUJL�JVTWHU`�[V�KL[LYTPUL�^OH[�JV]LYHNL�`V\�OH]L�PU�WSHJL�

PP�� If you do not have collision coverage� PU�WSHJL� MVY� `V\Y�]LOPJSL�� `V\�T\Z[�ZLLR�JVTWLUZH[PVU�MVY�[OL�KHTHNL�[V�`V\Y�]LOPJSL�MYVT�[OL�PUZ\YHUJL�JVTWHU`�MVY�[OL�¸H[�MH\S[¹�]LOPJSL��;OL�PUZ\YHUJL�JVTWHU`�VM�[OL�JHY�YLZWVUZPISL�MVY�[OL�JYHZO�^PSS�NLULYHSS`�PUZWLJ[�`V\Y�]LOPJSL�HUK�VMMLY�HU�HTV\U[�IHZLK�\WVU�[OLPY�L]HS\H[PVU�VM�[OL�KHTHNL��>L�YLJVTTLUK�[OH[�`V\�VI[HPU�`V\Y�V^U�LZ[PTH[L�MYVT�H�YLWHPY�ZOVW�ZV�`V\�JHU�HJJ\YH[LS`�KL[LYTPUL�PM�[OL�PUZ\YHUJL�JVTWHU`»Z�VMMLY�PZ�MHPY��0M�`V\Y�]LOPJSL�PZ�KLLTLK�H�[V[HS�SVZZ��`V\�^PSS�IL�VMMLYLK�[OL�IVVR�]HS\L�VM�`V\Y�]LOPJSL��UV[�YLWSHJLTLU[�]HS\L��0M�`V\�JOVVZL�[V�YLU[�H�]LOPJSL�I\[�KPK�UV[�I\`�¸H\[VTVIPSL�YLU[HS�JV]LYHNL¹��[OL�V[OLY�PUZ\YHUJL�JVTWHU`�PZ�not VISPNH[LK�[V�WH`�MVY�`V\Y�YLU[HS��/V^L]LY��[OL`�VM[LU�^PSS��PM�`V\�WYV]PKL�H�JVW`�VM�`V\Y�YLU[HS�HNYLLTLU[�HUK�WYVVM�VM�WH`TLU[�

PPP��Storage fees:�6UJL� [OL� PUZ\YHUJL� JVTWHU`�THRLZ� HU� VMMLY� YLNHYKPUN� [OL�WYVWLY[`�KHTHNL�[V�`V\Y�]LOPJSL��[OL`�^PSS�Z[VW�WH`PUN�Z[VYHNL�MLLZ�[V�[OL�YLWHPY�NHYHNL� MVY� `V\Y� JHY��;OLYLMVYL�� KV� UV[� SLH]L� `V\Y� JHY� H[� H� YLWHPY� NHYHNL� [OH[�JOHYNLZ�MVY�Z[VYHNL�HM[LY�[OL�PUZ\YHUJL�JVTWHU`�THRL�H�WYVWLY[`�KHTHNL�VMMLY�ILJH\ZL�`V\�^PSS�IL�YLZWVUZPISL�MVY�M\[\YL�Z[VYHNL�MLLZ�

S� Important Reminders About Property Damage:

���(M[LY�[OL�JYHZO��JVU[HJ[�`V\Y�PUZ\YHUJL�JVTWHU`�HUK�THRL�HYYHUNLTLU[Z�MVY�[OLT�[V!

H��;HRL�WOV[VZ�VM�[OL�KHTHNL�[V�`V\Y�JHY�

I��/H]L�HU�PUZ\YHUJL�HKQ\Z[LY�WYLWHYL�HU�P[LTPaLK�LZ[PTH[L�VM�[OL�]LOPJSL»Z�KHTHNL�PM�`V\�OH]L�WHPK�MVY�JVSSPZPVU�JV]LYHNL�VU�`V\Y�WVSPJ �̀

���0M�WVZZPISL��`V\�ZOV\SK�[HRL�WPJ[\YLZ�VM�[OL�HJJPKLU[�ZJLUL�HUK�[OL�KHTHNL�[V�[OL�]LOPJSL�`V\�^LYL�PU�ILMVYL�HU`�YLWHPY�^VYR�PZ�WLYMVYTLK�

���9LTV]L�[OL�]LOPJSL�MYVT�H�Z[VYHNL�NHYHNL�[OH[�JOHYNLZ�H�Z[VYHNL�MLL�HM[LY�H�WYVWLY[`�KHTHNL�VMMLY�PZ�THKL�

IV. CONSTRUCTION ACCIDENTS 0U�5L^�@VYR�:[H[L��JVUZ[Y\J[PVU�HJJPKLU[�SH^�PZ�]LY`�JVTWSL_�HZ�[OLYL�HYL�ZL]LYHS�ZWLJPHS�Z[H[\[LZ�HUK� Y\SLZ�NV]LYUPUN�JVUZ[Y\J[PVU��-VY[\UH[LS �̀� 1HJVI`� �4L`LYZ�OHZ�OHUKSLK�[OV\ZHUKZ�VM�JVUZ[Y\J[PVU�JHZLZ�HUK�OHZ�[OL�L_WLY[PZL�`V\�ULLK�[V�OHUKSL�`V\Y�JHZL��(� [OVYV\NO� PU]LZ[PNH[PVU� PZ�VM[LU�ULJLZZHY`� [V�KL[LYTPUL�^OH[� SH^�HWWSPLZ� HUK�^OV�PZ� YLZWVUZPISL� MVY�HU�HJJPKLU[�� 1HJVI`� �4L`LYZ»� PU]LZ[PNH[PVU�NLULYHSS`� PUJS\KLZ� [OL�UHTLZ�VM�NLULYHS�JVU[YHJ[VYZ�HUK�Z\I�JVU[YHJ[VYZ�H[�[OL�QVI�ZP[L��HZ�^LSS�HZ�NH[OLYPUN�^P[ULZZ�Z[H[LTLU[Z��WOV[VNYHWOZ�VM� [OL�ZJLUL��JVWPLZ�VM�YLSL]HU[�JVU[YHJ[Z�� PUZ\YHUJL�WVSPJPLZ��HUK�QVI�KVJ\TLU[Z��PUJS\KPUN�ZHML[`�TLTVZ��^VYR�WLYTP[Z��HUK�KHPS`�SVNZ��;OL�MVSSV^PUN�PZ�H�IHZPJ�V]LY]PL^�VM�[OL�5L^�@VYR�:[H[L�3HIVY�3H^!�

1. .LULYHSS �̀�^L�T\Z[�WYV]L�[OL�^VYR�ILPUN�WLYMVYTLK�^HZ�HNYLLK�[V�I`�JVU[YHJ[��*VTTVUS �̀�H�JVU[YHJ[�[OH[�KL[HPSZ�[OL�̂ VYR�[V�IL�WLYMVYTLK�L_PZ[Z�IL[^LLU�[OL�V^ULY��NLULYHS�JVU[YHJ[VY��JVUZ[Y\J[PVU�THUHNLY��HUK�Z\I�JVU[YHJ[VY��;OLZL�JVU[YHJ[Z�VM[LU�set forth who is responsible for purchasing insurance for injuries that occur on the QVI�ZP[L�

2. 9LZWVUZPIPSP[`�MVY�[OL�PUJPKLU[�KLWLUKZ�VU�OV^�[OL�HJJPKLU[�VJJ\YYLK�

H� The “Scaffold Law”:� :LJ[PVU�������� VM� [OL�5L^�@VYR� :[H[L� 3HIVY� 3H^�THRLZ�WYVWLY[`�V^ULYZ�HUK�NLULYHS�JVU[YHJ[VYZ�YLZWVUZPISL�MVY�PUQ\YPLZ�PU�JLY[HPU�JHZLZ��:LJ[PVU��������WYV]PKLZ!�

“All contractors and owners and their agents, except owners of one and two-family dwellings, who contract for, but do not direct or control the work, in the erection, demolition, repairing, altering, painting, cleaning, or pointing of a building or structure shall furnish or erect, or cause to be furnished or erected for the performance of such labor, scaffolding, hoists, stays, ladders, slings, hangers, blocks, pulleys, braces, irons, ropes, and other devices which shall be constructed, placed, and operated as to give proper protection to a person so employed.”

0M�`V\�^LYL� PU]VS]LK� PU�HU`�VM� [OL�HJ[P]P[PLZ�KLZJYPILK�HIV]L�� [OL�V^ULY�VM� [OL�WYVWLY[`�HUK�[OL�JVU[YHJ[VY�TH`�IL�YLZWVUZPISL�MVY�̀ V\Y�PUQ\Y �̀�.LULYHSS �̀�PU�H�3HIVY�3H^��������]PVSH[PVU��[OL�WYVWLY[`�V^ULY�HUK�JVU[YHJ[VY�HYL������YLZWVUZPISL�MVY�`V\Y�PUQ\YPLZ�HUK�`V\Y�HJ[PVUZ�PU�OV^�[OL�HJJPKLU[�OHWWLULK�HYL�UV[�H�MHJ[VY��

I��“Protection from Holes in Flooring”:�:LJ[PVU����������VM� [OL�5L^�@VYR�:[H[L�3HIVY� 3H^�WYV]PKLZ� HIZVS\[L� WYV[LJ[PVU� [V�^VYRLYZ� MYVT� 0UQ\YPLZ� [OH[� VJJ\Y� VU�ÅVVYZ�� Z[HPY^H`Z�� ZOHM[^H`Z�� VY� I`� SPM[PUN� LX\PWTLU[��.LULYHSS �̀� PU� H� 3HIVY� 3H^�����������]PVSH[PVU��[OL�WYVWLY[`�V^ULY�HUK�JVU[YHJ[VY�HYL������YLZWVUZPISL�MVY�`V\Y�PUQ\YPLZ�HUK�`V\Y�HJ[PVUZ�PU�OV^�[OL�HJJPKLU[�OHWWLULK�HYL�UV[�H�MHJ[VY�

J� NYS Industrial Code or OSHA Violations:�:LJ[PVU��������VM�[OL�5L^�@VYR�:[H[L�3HIVY�3H^�WYV[LJ[Z�^VYRLYZ�MYVT�PUQ\YPLZ�[OH[�VJJ\Y�HZ�H�YLZ\S[�VM�H�ZWLJPÄJ�ZHML[`�YLN\SH[PVU�JVU[HPULK�PU�[OL�5@:�0UK\Z[YPHS�*VKL�VY�6:/(��<USPRL�:LJ[PVU�����VY�����������`V\Y�HJ[PVUZ�HYL�JVUZPKLYLK�PU�KL[LYTPUPUN�MH\S[�MVY�[OL�HJJPKLU[�

K� “Safe Place to Work” Statute:�:LJ[PVU�����VM�[OL�5L^�@VYR�:[H[L�3HIVY�3H^�PZ�[OL�¸ZHML�WSHJL�[V�^VYR¹�Z[H[\[L�[OH[�YLX\PYLZ�V^ULYZ�VY�NLULYHS�JVU[YHJ[VYZ�^OV�Z\WLY]PZL� [OL�^VYR� [V� WYV]PKL� H� NLULYHSS`� ZHML� WSHJL� [V�^VYR��@V\Y� HJ[PVUZ� HYL�JVUZPKLYLK�PU�KL[LYTPUPUN�MH\S[�

Page 10: Y`JHZL€¦ · strength in evaluating potential automobile accident claims. A BOU T JACOB Y & M EY ERS, LLP 1HJVI` 4L`LYZPZ(TLYPJH»ZTVZ[MHTPSPHYUHTLPUSLNHSYLWYLZLU[H[PVU WYV]PKPUN

14 15

3. Interplay of Workers’ Compensation and Your Case

H� Workers’ Compensation Benefits:�0M�`V\�^LYL�PU�[OL�JV\YZL�VM�`V\Y�LTWSV`TLU[�H[�[OL�[PTL�VM�`V\Y�HJJPKLU[��`V\�T\Z[�HWWS`�MVY�^VYRLYZ»�JVTWLUZH[PVU�ILULÄ[Z�[OYV\NO� `V\Y� LTWSV`LY�� ;OLZL� ILULÄ[Z� PUJS\KL� WH`TLU[Z� MVY� SVZ[� ^HNLZ�� SPML�[PTL� TLKPJHS� L_WLUZLZ� MVY� [YLH[TLU[� VM� PUQ\YPLZ� YLSH[LK� [V� `V\Y� HJJPKLU[�� HUK�WYLZJYPW[PVUZ��>VYRLYZ»�JVTWLUZH[PVU�SH^�PZ�JVTWSL_�HUK�̂ L�Z[YVUNS`�YLJVTTLUK�[OH[� `V\� HZR� `V\Y� JHZL� THUHNLY� [V� OH]L� H� YLWYLZLU[H[P]L� MYVT� V\Y� ZPZ[LY� ÄYT�� Fine, Olin & Anderman, LLP, to contact you so they can assist you in obtaining all `V\Y�^VYRLYZ»�JVTWLUZH[PVU�ILULÄ[Z��

I��Workers’ Compensation Lien:�0M�`V\�OH]L�YLJLP]LK�HU`�^VYRLYZ»�JVTWLUZH[PVU�ILULÄ[Z�HUK�^L�HYL�Z\JJLZZM\S�PU�YLJLP]PUN�H�TVUL[HY`�H^HYK��`V\�^PSS�IL�YLX\PYLK�[V�YLPTI\YZL�[OL�^VYRLYZ»�JVTWLUZH[PVU�PUZ\YHUJL�JHYYPLY�MYVT�[OL�WYVJLLKZ�MYVT�`V\Y�ZL[[SLTLU[��@V\Y�1HJVI`� �4L`LYZ�SLNHS�[LHT�̂ PSS�ULNV[PH[L�[OL�YLPTI\YZLTLU[�MVY�`V\�

V. DOG BITE CASES 0U�VYKLY�[V�OVSK�[OL�V^ULY�VM�H�KVN�YLZWVUZPISL�MVY�[OL�HJ[PVUZ�VM�[OLPY�KVN��^L�T\Z[�WYV]L�[^V�MHJ[Z!�

1. ;OL�HUPTHS�OHK�]PJPV\Z�WYVWLUZP[PLZ��HUK

2. ;OL�KVN�V^ULY�RUL �̂�VY�ZOV\SK�OH]L�RUV^U��[OL�KVN�^HZ�]PJPV\Z�ILMVYL�[OL�IP[L�

0M�[OL�KVN�OHZ�WYL]PV\ZS`�IP[[LU�ZVTLVUL��[OL�KVN�^PSS�SPRLS`�IL�JVUZPKLYLK�]PJPV\Z�HUK�[OL�SH^�WYLZ\TLZ�[OL�V^ULY�^HZ�H^HYL�VM�[OL�KVN»Z�vicious propensities��,]LU�PM�H�KVN�OHZ�UL]LY�IP[[LU� ZVTLVUL�ILMVYL�� [OL�V^ULY�TH`� Z[PSS� IL� MV\UK� YLZWVUZPISL� MVY� `V\Y�PUQ\Y`�PM�[OL�V^ULY�RUL^�[OL�KVN�OHK�]PJPV\Z�VY�TPZJOPL]V\Z�WYVWLUZP[PLZ��-VY�L_HTWSL��if the dog is kept as a watch-dog for protection, the owner should know the dog has H�WYVWLUZP[`� [V�IP[L��(KKP[PVUHSS �̀� PM� [OL�KVN�[OH[�IP[�`V\�WYL]PV\ZS`�ZOV^LK�P[Z� [LL[O��NYV^SLK��VY�JOHYNLK��[OL�KVN�TH`�IL�MV\UK�[V�IL�]PJPV\Z�HUK�[OL�V^ULY�YLZWVUZPISL�MVY�`V\Y�PUQ\YPLZ��

:WLHR� [V� `V\Y� ULPNOIVYZ�� WVZ[THU�� VY� MYPLUKZ� VM� [OL� V^ULY� VM� [OL� KVN� [V� ÄUK�V\[� PM�[OL`»]L�VIZLY]LK�]PJPV\Z�WYVWLUZP[PLZ�VU�[OL�KVN»Z�WHY[��0M�[OL`�OH]L��WSLHZL�HK]PZL�`V\Y�1HJVI`� �4L`LYZ�*HZL�4HUHNLY�PTTLKPH[LS �̀

VI. SLIP (OR TRIP) AND FALL CASES

;OLYL�HYL�THU`�SH^Z�NV]LYUPUN�ZSPW��VY�[YPW��HUK�MHSS�JHZLZ��.LULYHSS �̀�WYVWLY[`�T\Z[�IL�THPU[HPULK�PU�H�YLHZVUHIS`�ZHML�JVUKP[PVU��0M�H�KLMLJ[P]L�JVUKP[PVU�L_PZ[LK�[OH[�JH\ZLK�`V\Y�PUQ\Y`�WYVK\JPUN�L]LU[��HUK�[OL�WLYZVU�YLZWVUZPISL�[V�THPU[HPU�[OL�WYVWLY[`�RUL^�or should have known about the defective condition and failed to cure the condition, ^L�TH`�IL�HISL�[V�YLJV]LY�MVY�`V\Y�YLSH[LK�PUQ\YPLZ��

7YVWLY[`� V^ULYZ� HYL� NLULYHSS`� YLZWVUZPISL� MVY� WYVWLY[`� THPU[LUHUJL�� /V^L]LY��YLZWVUZPIPSP[`�MVY�THPU[HPUPUN�[OL�WYVWLY[`�JHU�IL�ZOPM[LK�[V�ZVTLVUL�LSZL�I`�JVU[YHJ[��-VY�L_HTWSL��H�[LUHU[�TH`�IL�YLZWVUZPISL�[V�THPU[HPU�[OL�WYVWLY[`�PM�[OL�[LUHU[»Z�YLU[HS�JVU[YHJ[�WYV]PKLZ�[OH[�[OL�[LUHU[�PZ�YLZWVUZPISL�

1. Notice is Required: Successful resolution of your case will require that your Jacoby �4L`LYZ� SLNHS� [LHT�WYV]L� [OH[� [OL�WLYZVU� YLZWVUZPISL� MVY� [OL�WYVWLY[`� RUL �̂� VY�

ZOV\SK�OH]L�RUV^U��VM� [OL�KLMLJ[P]L� JVUKP[PVU��;OLYL� HYL� [^V�^H`Z� [V�KL[LYTPUL�^OL[OLY�[OL�WHY[`�YLZWVUZPISL�MVY�THPU[HPUPUN�[OL�WYVWLY[`�OHK�UV[PJL�VM�[OL�KLMLJ[P]L�JVUKP[PVU�

H� Actual Notice:� 0M� [OL� WHY[`� YLZWVUZPISL� MVY�THPU[HPUPUN� [OL� WYVWLY[`� YLJLP]LK�proper written notice, or was told about the defect, or created the condition and MHPSLK�[V�Ä_�P[�PU�H�YLHZVUHISL�[PTL��[OH[�WLYZVU�TH`�IL�MV\UK�SPHISL�

I� Constructive Notice:�0M�[OL�KLMLJ[P]L�JVUKP[PVU�[OH[�JH\ZLK�`V\Y�MHSS�L_PZ[LK�MVY�Z\JO�H�SVUN�WLYPVK�VM�[PTL�[OH[�[OL�WHY[`�YLZWVUZPISL�MVY�THPU[HPUPUN�[OL�WYVWLY[`��ZOV\SK�OH]L�RUV^U�HIV\[� P[�� [OL�WHY[`� YLZWVUZPISL� MVY�THPU[HPUPUN� [OL�WYVWLY[`�TH`�IL�MV\UK�YLZWVUZPISL�MVY�`V\Y�PUQ\Y �̀

2. Snow and Ice Fall Down Injuries: Snow and ice cases are subject to special laws [OH[� SPTP[� SPHIPSP[`� MVY� [OL� WHY[`� YLZWVUZPISL� MVY� JSLHYPUN� HUK� ZHUKPUN� HYLHZ�^OLYL�ZUV^�HUK� PJL�HJJ\T\SH[L�� 0U�TVZ[� PUZ[HUJLZ�� [OL�VISPNH[PVU� [V�WSV �̂� ZHS[��VY�ZHUK�KVLZ�UV[�Z[HY[�\U[PS�HM[LY�[OL�Z[VYT�OHZ�LUKLK��6UJL�[OL�Z[VYT�OHZ�LUKLK��[OL�WHY[`�YLZWVUZPISL�MVY�WYVWLY[`�THPU[LUHUJL�OHZ�H�YLHZVUHISL�HTV\U[�VM�[PTL�[V�WSV �̂�ZHS[��VY�ZHUK��6UJL�H�WHY[`�\UKLY[HRLZ�[V�WSV �̂�ZHS[��VY�ZHUK��P[�T\Z[�IL�KVUL�ZV�YLHZVUHIS �̀�HS[OV\NO�[OLYL�PZ�UV�VISPNH[PVU�[V�JSLHY�[OL�ZUV^�HUK�PJL�WLYMLJ[S �̀

3. City, Town, State, and Other Municipality Responsibility:�>OLU� ZVTLVUL� MHSSZ� VU� WYVWLY[`� V^ULK� I`� H� T\UPJPWHSP[ �̀� [OLYL� HYL� ZL]LYHS� ZWLJPHS� Y\SLZ� [OH[� HWWS �̀� >OPSL�[OL�Y\SLZ�TH`�]HY`�IL[^LLU�T\UPJPWHSP[PLZ��UV[PJL�^PSS�HS^H`Z�IL�YLX\PYLK��0M�[OL�T\UPJPWHSP[`�KPK�UV[�YLJLP]L�UV[PJL�VM�[OL�KLMLJ[P]L�JVUKP[PVU�[OH[�JH\ZLK�`V\Y�MHSS��P[�PZ�UV[�YLZWVUZPISL�MVY�`V\Y�PUQ\YPLZ��4HU`�T\UPJPWHSP[PLZ�YLX\PYL�WYPVY�^YP[[LU�UV[PJL�VM�[OL�KLMLJ[P]L�JVUKP[PVU�PU�VYKLY�MVY�[OLT�[V�IL�YLZWVUZPISL�MVY�`V\Y�PUQ\Y �̀�1HJVI`� �4L`LYZ»�PU]LZ[PNH[PVU�^PSS�KL[LYTPUL�^OH[�UV[PJL�YLX\PYLTLU[Z�L_PZ[�PM�`V\�MLSS�VU�WYVWLY[`�V^ULK�I`�H�T\UPJPWHSP[ �̀�>L�^PSS�HSZV�KL[LYTPUL�PM�[OL�T\UPJPWHSP[`�OHK�[OL�ULJLZZHY`�WYPVY�UV[PJL�VM�[OL�JVUKP[PVU�

4. “Pictures are Worth 1,000 Words” Pictures that show the existence of the defect at [OL�[PTL�VM�`V\Y�PUJPKLU[�HYL�JYP[PJHS��0M�`V\�OH]L�WOV[VZ��WSLHZL�WYV]PKL�[OLT�[V�`V\Y�*HZL�4HUHNLY��0M�`V\�JHU�[HRL�WOV[VZ��WSLHZL�KV�ZV�HZ�ZVVU�HZ�WVZZPISL��;OL�WPJ[\YLZ�ZOV\SK�ZOV^�[OL�KLMLJ[�HUK�P[Z�YLSH[PVUZOPW�[V�SHYNL��Ä_LK�VIQLJ[Z�Z\JO�HZ�OV\ZLZ��Z[VYLZ��VY�PU[LYZLJ[PVUZ�

VII. PRODUCTS LIABILITY CASES

7YVK\J[Z� SPHIPSP[`� SH^� PZ�H�JOHSSLUNPUN�HYLH�VM� SH �̂�VM[LU� PU]VS]PUN�JVTWSL_� SP[PNH[PVU�HUK�ZPNUPÄJHU[�L_WLUZL��>OLU�H�THU\MHJ[\YLY�VY�KPZ[YPI\[VY�ZLSSZ�H�KLMLJ[P]L�WYVK\J[��[OL�KLMLJ[�VM[LU�JH\ZLZ� ZLYPV\Z� PUQ\YPLZ� [V� HU�\UZ\ZWLJ[PUN�\ZLY�VM� [OL�WYVK\J[��@V\Y�1HJVI`� �4L`LYZ�SLNHS�[LHT�^PSS�^VYR�[V�KLTVUZ[YH[L�[OH[�[OL�KLMLJ[P]L�WYVK\J[�WSH`LK�H�ZPNUPÄJHU[�YVSL�PU�JH\ZPUN�`V\Y�PUQ\YPLZ���

Manufacturers and distributors are generally responsible for three types of product KLMLJ[Z!�

1. Manufacturing Defects: (�THU\MHJ[\YPUN� KLMLJ[� PZ� HU� PTWLYMLJ[PVU� K\YPUN� [OL�THU\MHJ[\YPUN�WYVJLZZ�[OH[�JH\ZLZ�[OL�WYVK\J[�[V�MHPS�K\YPUN�P[Z�\ZL��-VY�L_HTWSL��H�JHY�THU\MHJ[\YLY�̂ OV�PUZ[HSSZ�MH\S[`�IYHRLZ�PU�VUL�JHY�P[�I\PSKZ�̂ PSS�IL�YLZWVUZPISL�MVY�[OL�PUQ\YPLZ�JH\ZLK�I`�[OH[�JHY»Z�IYHRL�MHPS\YL��L]LU�PM�HSS�V[OLY�ZPTPSHY�JHYZ�THU\MHJ[\YLK�IYHRLZ�^LYL�UV[�KLMLJ[P]L�

Page 11: Y`JHZL€¦ · strength in evaluating potential automobile accident claims. A BOU T JACOB Y & M EY ERS, LLP 1HJVI` 4L`LYZPZ(TLYPJH»ZTVZ[MHTPSPHYUHTLPUSLNHSYLWYLZLU[H[PVU WYV]PKPUN

16 17

2. Design Defects: (� KLZPNU� KLMLJ[� TH`� L_PZ[� ^OLU� H� WYVK\J[� PZ� THU\MHJ[\YLK�L_HJ[S`�HZ�PU[LUKLK��I\[�Z[PSS�WVZLZ�HU�PUOLYLU[�KHUNLY�[V�[OL�\ZLY��0U�[OPZ�JHZL��[OL�THU\MHJ[\YLY�TH`�IL�YLZWVUZPISL�MVY�MHPSPUN�[V�HKVW[�H�ZHMLY��HS[LYUH[P]L�KLZPNU��-VY�L_HTWSL��H�JHY�THU\MHJ[\YLK�HZ�PU[LUKLK�TH`�IL�KLMLJ[P]L�ILJH\ZL�VM�WVVY�KLZPNU�PU� [OL�WSHJLTLU[�VM� [OL�NHZ� [HUR� YLZ\S[PUN� PU�L_JLZZP]L�L_WSVZPVUZ�HUK�ÄYL�K\YPUN�HJJPKLU[Z�

3. Inadequate Warnings:� +HUNLYV\Z� WYVK\J[Z� ZOV\SK� PUJS\KL� \ZLY� ^HYUPUNZ�� 0M�H� THU\MHJ[\YLY� VY� KPZ[YPI\[VY� VM� H� WYVK\J[� MHPSZ� [V� WYV]PKL� HKLX\H[L� ^HYUPUN� VM�WHY[PJ\SHY�KHUNLYZ�[OH[�̂ LYL�RUV^U�VY�RUV^HISL��[OL`�TH`�IL�YLZWVUZPISL�MVY�PUQ\YPLZ�`V\�PUJ\YYLK�PU�[OL�\ZL�VM�[OH[�WYVK\J[�

VIII. STEPS AND TERMS OF A LAWSUIT

1. Summons:�;OL�Z\TTVUZ�NP]LZ�UV[PJL�[V�[OL�YLZWVUZPISL�WHY[PLZ��[OL�KLMLUKHU[Z��[OH[�1HJVI`� �4L`LYZ�PZ�Z\PUN�VU�̀ V\Y�ILOHSM�[OH[�̀ V\��[OL�WSHPU[PMM��HYL�THRPUN�H�SLNHS�JSHPT�HNHPUZ[�[OLT�

2. Complaint:�;OL�JVTWSHPU[�WYV]PKLZ�H�JVUJPZL�L_WSHUH[PVU�VM�OV^� [OL�HJJPKLU[�OHWWLULK��̂ OV�̂ HZ�PU]VS]LK��HZ�̂ LSS�HZ�̂ OLYL�HUK�̂ OLU�P[�OHWWLULK��;OL�JVTWSHPU[�^PSS�PUJS\KL�H�JSHPT�MVY�TVUL`�KHTHNLZ��;OPZ�HTV\U[�KVLZ�UV[�PUKPJH[L�OV^�T\JO�TVUL`�`V\�NL[�VY�OV^�T\JO�`V\Y�PUQ\YPLZ�HYL�^VY[O��>L�TH`�JSHPT������������[V�������������I\[�[OPZ�HTV\U[�VUS`�W\[Z�[OL�KLMLUKHU[�VU�UV[PJL�[OH[�^L�HYL�ZLLRPUN�TVUL`�KHTHNLZ��It does not relate to how much money your case is worth.�@V\�VY�`V\Y�ZWV\ZL�^PSS�ZPNU�[OL�JVTWSHPU[�[V�]LYPM`�P[Z�HJJ\YHJ �̀�

3. Suing on Behalf of Your Spouse:�0M�`V\�HYL�THYYPLK�HUK�SP]PUN�^P[O�`V\Y�ZWV\ZL�IV[O�H[� [OL� [PTL�VM� [OL�HJJPKLU[�HUK� [OL� [PTL�`V\Y�JVTWSHPU[� PZ� ZLY]LK�� 1HJVI`� �4L`LYZ�^PSS�PUJS\KL�H�JSHPT�MVY�`V\Y�ZWV\ZL��^P[O�`V\Y�JVUZLU[��;OPZ�JSHPT�HZRZ�MVY�KHTHNLZ� [OH[�`V\Y� ZWV\ZL� Z\MMLYLK�HZ�H� YLZ\S[�VM�`V\Y� PUQ\Y �̀�@V\Y� ZWV\ZL�TH`�IL�LU[P[SLK� [V�TVUL`�KHTHNLZ� MVY� [OL� SVZZ�VM� SV]L��JVTWHUPVUZOPW��HMMLJ[PVU��ZVJPL[`�HUK� ZL_\HS� YLSH[PVUZ�HZ� H� YLZ\S[�VM� `V\Y� PUQ\Y �̀� 0M� [OL�JHZL� PZ� ZL[[SLK��OV^L]LY�� [OL�ZL[[SLTLU[�PZ�NLULYHSS`�MVY�[OL�PUQ\YLK�WLYZVU��UV[�MVY�[OL�ZWV\ZL�

4. Answer:�;OL�KLMLUKHU[»Z�PUZ\YHUJL�JVTWHU`�^PSS�OPYL�H�SH^`LY�MVY�[OL�KLMLUKHU[�HUK�^PSS�YLZWVUK�[V�[OL�JVTWSHPU[�^P[O�HU�HUZ^LY��0U�YLZWVUZL�[V�[OL�JSHPTZ�THKL�PU�[OL�JVTWSHPU[��[OL�KLMLUKHU[»Z�HUZ^LY�TH`�HKTP[�ZVTL�MHJ[Z�HUK�KLU`�ZVTL�MHJ[Z�

5. Medical Authorizations:� +L[LYTPUPUN� `V\Y� WO`ZPJHS� JVUKP[PVU� PZ� JYP[PJHS� [V�^PUUPUN�`V\Y�JHZL��@V\Y�1HJVI`� �4L`LYZ�SLNHS� [LHT�^PSS�YLX\PYL�TLKPJHS�YLJVYKZ�MVY�HSS�[YLH[TLU[�`V\�YLJLP]LK�YLSH[LK�[V�[OPZ�HJJPKLU[��HZ�^LSS�HZ�MVY�[YLH[TLU[�YLSH[LK�[V� WYPVY� VY� Z\IZLX\LU[� ZPTPSHY� JVUKP[PVUZ�� 0U� HKKP[PVU�� [OL� KLMLUKHU[»Z� PUZ\YHUJL�JVTWHU`�PZ�LU[P[SLK�[V�NL[�HSS�YLSH[LK�TLKPJHS�YLJVYKZ�ZV�[OL`�JHU�MHPYS`�L]HS\H[L�`V\Y�JSHPTZ��;V�HSSV^�1HJVI`� �4L`LYZ�HUK�[OL�ULNSPNLU[�WHY[`»Z�PUZ\YHUJL�JVTWHU`�[V�NL[�[OL�ULJLZZHY`�YLJVYKZ��`V\�^PSS�ULLK�[V�ZPNU�WHWLYZ�H\[OVYPaPUN�[OL�TLKPJHS�JHYL�WYV]PKLYZ�[V�YLSLHZL�[OL�YLJVYKZ�

H� 4HU`�TLKPJHS�WYV]PKLYZ�HUK�LTWSV`LYZ�̂ PSS�YLX\PYL�VYPNPUHS��ZPNULK��HUK�UV[HYPaLK�H\[OVYPaH[PVUZ��(Z�H�YLZ\S[��`V\�^PSS�ZPNU�THU`�H\[OVYPaH[PVUZ��(\[OVYPaH[PVUZ�HYL�]HSPK�MVY�VUS`� ��KH`Z��;OLYLMVYL��PM�^L�OH]L�H\[OVYPaH[PVUZ�[OH[�HYL�V\[KH[LK�`V\�^PSS�IL�HZRLK�[V�ZPNU�HKKP[PVUHS�H\[OVYPaH[PVUZ�

I� ;OL�MVSSV^PUN�VYNHUPaH[PVUZ�HUK�PUKP]PK\HSZ�TH`�YLX\PYL�ZPNULK�H\[OVYPaH[PVUZ�MVY�YLJVYKZ�T\S[PWSL�[PTLZ�[OYV\NOV\[�`V\Y�JHZL!

P��/VZWP[HS�Z�

PP��0U[LYUHS�9L]LU\L�:LY]PJL

PPP��;YLH[PUN�KVJ[VYZ�HUK�OLHS[O�JHYL�WYV]PKLYZ��J\YYLU[�HUK�WYPVY�

P]��,TWSV`LY�Z�

]��5V�-H\S[�VY�>VYRLYZ»�*VTWLUZH[PVU�PUZ\YHUJL�JHYYPLY

]P��:JOVVS�Z�

6. Bill of Particulars or Interrogatories:�(M[LY�^L� YLJLP]L� [OL� KLMLUKHU[»Z� HUZ^LY��^L�WYV]PKL�[V�[OL�KLMLUKHU[»Z�SH^`LY�H�KVJ\TLU[�JHSSLK�[OL�IPSS�VM�WHY[PJ\SHYZ��;OPZ�describes in detail how the accident happened; the injuries you sustained in the HJJPKLU["�^OPJO�KVJ[VYZ�OH]L�ILLU�[YLH[PUN�`V\�HUK�^OH[�[OLPY�ÄUKPUNZ�HYL"�^OH[�`V\Y�VJJ\WH[PVU�^HZ"�OV^�THU`�KH`Z�`V\�TPZZLK�MYVT�^VYR"�WHZ[�HUK�M\[\YL�SVZ[�^HNLZ"�WHZ[�HUK�M\[\YL�TLKPJHS�L_WLUZLZ"�HUK�HU`�V[OLY�JYP[PJHS�PUMVYTH[PVU�YLSH[LK�[V�`V\Y�JSHPT�

7. Examination Before Trial:� ([� HU� L_HTPUH[PVU� ILMVYL� [YPHS� �,);��� HSZV� JHSSLK� H�KLWVZP[PVU��̀ V\�̂ PSS�IL�HZRLK�X\LZ[PVUZ��\UKLY�VH[O��I`�[OL�SH^`LY�MVY�[OL�KLMLUKHU[»Z�PUZ\YHUJL�JVTWHU �̀�(�SH^`LY�MYVT�`V\Y�1HJVI`� �4L`LYZ�SLNHS�[LHT�^PSS�H[[LUK�[OL�,);�^P[O�`V\��HUK�WYLWHYL�`V\�ILMVYLOHUK�MVY�HSS�YLSL]HU[�X\LZ[PVUZ�[V�IL�L_WLJ[LK�H[�[OL�,);��;OL�KLMLUKHU[»Z�SH^`LY�JHU�HZR�VUS`�YLSL]HU[�X\LZ[PVUZ�HIV\[�[OL�HJJPKLU[�HUK�`V\Y� PUQ\YPLZ��@V\Y� 1HJVI`� �4L`LYZ� SH^`LY�^PSS�HZR� [OL�KLMLUKHU[�X\LZ[PVUZ��\UKLY�VH[O��HIV\[�OV^�[OL�HJJPKLU[�VJJ\YYLK��;OL�,);�PZ�\Z\HSS`�OLSK�H[�[OL�KLMLUZL�H[[VYUL`»Z�VMÄJL�VY�H[�[OL�1HJVI`� �4L`LYZ»�VMÄJL�

H� Adjournments of EBTs:�0[�PZ�UV[�\U\Z\HS�MVY�[OL�KLMLUKHU[»Z�H[[VYUL`�[V�JHUJLS�[OL� ,);� ^P[O� ZOVY[� UV[PJL� H[� SLHZ[� [^PJL� K\YPUN� [OL� WYVJLZZ�� (M[LY� [OL� ZLJVUK�JHUJLSSH[PVU�� `V\Y� 1HJVI`� �4L`LYZ� SLNHS� [LHT�^PSS� HZR� [OL� Q\KNL� [V� VYKLY� [OL�KLMLUKHU[�[V�JVTWSL[L�[OL�,);��<UMVY[\UH[LS �̀�[OLZL�KLSH`Z�HYL�V\[�VM�V\Y�JVU[YVS�

8. Medical Exam:�;OL�KLMLUKHU[�PUZ\YHUJL�JVTWHU`�PZ�WLYTP[[LK�[V�OPYL�H�KVJ[VY��MVY�W\YWVZLZ�VM�[YPHS��[V�L_HTPUL�`V\��;OPZ�PZ�HSZV�JHSSLK�H�KLMLUZL�TLKPJHS�L_HTPUH[PVU�VY�+4,��0[�PZ�ZLWHYH[L�MYVT�[OL�5V�-H\S[�VY�^VYRLYZ»�JVTWLUZH[PVU�+4,�KLZJYPILK�HIV]L��;OL�PUZ\YHUJL�JVTWHU`»Z�KVJ[VY�^PSS�L_HTPUL�`V\�[V�KL[LYTPUL�^OH[�PUQ\YPLZ�`V\�Z\Z[HPULK��-YLX\LU[S �̀�[OL�PUZ\YHUJL�JVTWHU`�KVJ[VY�^PSS�TPUPTPaL�[OL�L_[LU[�VM�`V\Y�PUQ\YPLZ��@V\�HYL�YLX\PYLK�[V�H[[LUK�[OLZL�L_HTZ"�MHPS\YL�[V�KV�ZV�JHU�YLZ\S[�PU�KPZTPZZHS�VM�`V\Y�JHZL��@V\Y�1HJVI`� �4L`LYZ�SLNHS�[LHT�^PSS�YLS`�\WVU�`V\Y�[YLH[PUN�KVJ[VY�[V�Z[H[L�[OL�[Y\L�ZL]LYP[`�VM�`V\Y�PUQ\YPLZ�

9. Trial:�>L�KV�UV[�RUV^�^OPJO�JHZLZ�^PSS�ZL[[SL�ILMVYL�[YPHS��[OH[»Z�^O`�^L�OHUKSL�L]LY`�JHZL�HZ�PM�P[�^PSS�IL�KLJPKLK�I`�H�Q\Y �̀�0M�`V\Y�[YPHS�PZ�SVZ[��1HJVI`� �4L`LYZ�^PSS�UV[�JOHYNL�̀ V\�MVY�V\Y�SLNHS�ZLY]PJLZ��;OL�KLMLUKHU[��OV^L]LY��JHU�YLX\PYL�̀ V\�[V�WH`�JLY[HPU�L_WLUZLZ�I`�LU[LYPUN�H�Q\KNTLU[�HNHPUZ[�`V\�

Page 12: Y`JHZL€¦ · strength in evaluating potential automobile accident claims. A BOU T JACOB Y & M EY ERS, LLP 1HJVI` 4L`LYZPZ(TLYPJH»ZTVZ[MHTPSPHYUHTLPUSLNHSYLWYLZLU[H[PVU WYV]PKPUN

18 19

XII. MEDICARE, MEDICAID AND MEDICAL LIENS

4LKPJHYL��4LKPJHPK�HUK�TLKPJHS�WYV]PKLYZ�TH`�JSHPT�H�SPLU�VU�`V\Y�TVUPLZ��4LKPJHYL�HUK�4LKPJHPK�TH`�OH]L�H� Z[H[\[VY`� YPNO[� [V� YLJV]LY�TVUPLZ� `V\�HYL�H^HYKLK� PU� [OL�SH^Z\P[��(�TLKPJHS�SPLU�PZ�HU�HNYLLTLU[�I`�`V\�[V�WH`�[OL�TLKPJHS�WYV]PKLY»Z�IPSS�V\[�VM�`V\Y�ZOHYL�VM�[OL�SH^Z\P[�WYVJLLKZ��0M�`V\Y�SH^Z\P[�PZ�UV[�Z\JJLZZM\S��VY�`V\�KV�UV[�YLJV]LY�LUV\NO�TVUL`�[V�ZH[PZM`�[OL�SPLU�Z���`V\�YLTHPU�YLZWVUZPISL�[V�WH`�[OL�TLKPJHS�WYV]PKLY� KPYLJ[S �̀� 7YP]H[L� OLHS[O� PUZ\YHUJL� JVTWHUPLZ� KV� UV[� HS^H`Z� OH]L� H� SPLU� VU�`V\Y� ZOHYL� Q\Z[�ILJH\ZL� [OL`�WHPK�TLKPJHS�ILULÄ[Z��;OL�HNYLLTLU[�^P[O�`V\Y�OLHS[O�PUZ\YHUJL�WYV]PKLY�T\Z[�IL�YL]PL^LK�[V�KL[LYTPUL�PM�[OLYL�PZ�H�SPLU��4LKPJHYL��4LKPJHPK�HUK�TLKPJHS� SPLUZ�OH]L�JVTWSL_� SLNHS� PZZ\LZ� [OH[� HYL�JVU[PU\V\ZS`�JOHUNPUN��7SLHZL�YLMLY�[V�[OL�YL[HPULY�HNYLLTLU[�YLNHYKPUN�[OL�L]HS\H[PVU�VM�TLKPJHS�SPLUZ��

0M�`V\�LZ[HISPZO�H�SPLU�VU�`V\Y�JHZL�^P[O�H�[YLH[PUN�KVJ[VY�VY�TLKPJHS�MHJPSP[ �̀�`V\�HYL�YLZWVUZPISL� MVY� [OL�LU[PYL�HTV\U[�K\L��-VY�`V\Y�JVU]LUPLUJL��`V\Y� 1HJVI`� �4L`LYZ�SLNHS�[LHT�^PSS�JVU[HJ[�HSS�TLKPJHS�WYV]PKLYZ�^OV�OH]L�HU�LZ[HISPZOLK�SPLU�VU�`V\Y�JHZL�HUK�WH`�[OLT��V\[�VM�`V\Y�ZOHYL��[OL�TVUPLZ�V^LK�

XIII. DISBURSEMENTS AND EXPENSES

+PZI\YZLTLU[Z�HUK�L_WLUZLZ�HYL�TVUPLZ�1HJVI`� �4L`LYZ�^PSS�WH`�V\[�VU�`V\Y�ILOHSM�K\YPUN� `V\Y� JHZL� PU� VYKLY� [V� HK]HUJL� `V\Y� JSHPT�� ([� [OL� LUK� VM� [OL� JHZL�� ^L� HYL�YLPTI\YZLK�I`�KLK\J[PUN�[OLZL�JVZ[Z�MYVT�[OL�NYVZZ�ZL[[SLTLU[��)`�KVPUN�ZV��`V\�KV�UV[�OH]L�[V�WH`�`V\Y�KPZI\YZLTLU[Z�V\[�VM�`V\Y�V^U�WVJRL[�HOLHK�VM�[PTL��

:OV^U�ILSV^�HYL�KPMMLYLU[�^H`Z�VM�JHSJ\SH[PUN�MLLZ�

(Z�PSS\Z[YH[LK��1HJVI`� �4L`LYZ»�TL[OVK�VM�JHSJ\SH[PUN�MLLZ�HUK�KPZI\YZLTLU[Z�PZ�TVYL�ILULÄJPHS�[V�`V\��

IX. HOW LONG WILL YOUR CASE TAKE?

1HJVI`� �4L`LYZ�KVLZ�UV[�JVU[YVS�[OL�SLUN[O�VM�[OPZ�WYVJLZZ��HUK�^L�^PSS�UV[�H[[LTW[�[V�ZL[[SL�`V\Y�JHZL�\U[PS�^L�RUV^�[OL� M\SS�L_[LU[�VM�`V\Y� PUQ\YPLZ��6UJL�`V\Y�KVJ[VYZ�OH]L�[OL�YLZ\S[Z�MYVT�[OL�ULJLZZHY`�[LZ[Z�HUK�OH]L�HK]PZLK�`V\�VM�[OL�M\SS�L_[LU[�VM�`V\Y�PUQ\YPLZ�MYVT�[OL�HJJPKLU[��`V\Y�1HJVI`� �4L`LYZ�SLNHS�[LHT�^PSS�[Y`�[V�ZL[[SL�`V\Y�JHZL��

<UMVY[\UH[LS �̀� PUZ\YHUJL�JVTWHUPLZ�KVU»[�HS^H`Z�VMMLY�H�MHPY�ZL[[SLTLU[�� 0M� [OL`�KV�UV[��^L�^PSS�PUP[PH[L�H�SH^Z\P[�VU�`V\Y�ILOHSM��6UJL�Z[HY[LK��[OL�[PTL�P[�[HRLZ�[V�JVUJS\KL�`V\Y�SH^Z\P[�^PSS�KLWLUK�NYLH[S`�\WVU�^OPJO�Q\KNL�PZ�HZZPNULK�[V�`V\Y�JHZL��>L�^PSS��OV^L]LY��ZLLR�V\[�L]LY`�VWWVY[\UP[`�[V�ZL[[SL�`V\Y�JHZL�MHPYS �̀�X\PJRS �̀�HUK�^P[OV\[�H�[YPHS��

X. ACCESS TO YOUR CASE

1HJVI`� �4L`LYZ�� 337� PZ� VUL�VM� H� ML^�ÄYTZ� PU� [OL�UH[PVU� [V� VMMLY� JSPLU[Z� [OL� HIPSP[`�[V�]PL^�[OLPY�7LYZVUHS�0UQ\Y`�JHZL�ÄSL�VUSPUL��)LJH\ZL�^L�HYL�H�¸WHWLYSLZZ�SH^�ÄYT¹��V\Y� PUUV]H[P]L� ¸(JJLZZ�@V\Y� -PSL� 6USPUL¹� MLH[\YL� HSSV^Z� `V\� [V� TVUP[VY� `V\Y� JHZL�HUK� P[Z� WYVNYLZZ�� ]PL^� `V\Y� TLKPJHS� KVJ\TLU[Z�� `V\Y� JHZL� [PTLSPUL�� HUK� THPU[HPU�JVTT\UPJH[PVUZ� ^P[O� `V\Y� SLNHS� [LHT�� 6\Y� ^LSS�[LZ[LK� ÄYL^HSS� HUK� ZLJ\YP[`� JVKLZ�LUZ\YL�[OH[�`V\�HUK�`V\Y�1HJVI`� �4L`LYZ�SLNHS�[LHT�HYL�[OL�VUS`�WLVWSL�^OV�JHU�]PL^�`V\Y�WLYZVUHS�ÄSL�� 0U� [OL�ZLJ\YL�WHY[�VM�V\Y�^LIZP[L��`V\�JHU�HSZV�]PL^� PUZ[Y\J[PVUHS�]PKLVZ�[V�HPK�PU�WYLWHYPUN�MVY�KPMMLYLU[�WOHZLZ�VM�`V\Y�JHZL��

6UJL�`V\�YL[HPU�V\Y�ÄYT�HUK�HYL�HZZPNULK�H�JHZL�U\TILY��HU�0U[LYUL[�(JJLZZ�9LX\LZ[�MVYT�^PSS�IL�THPSLK�[V�`V\��@V\�T\Z[�ZPNU�HUK�YL[\YU�[OPZ�MVYT�[V�`V\Y�*HZL�4HUHNLY��6UJL�`V\Y�*HZL�4HUHNLY�YLJLP]LZ�[OL�0U[LYUL[�(JJLZZ�9LX\LZ[�MVYT�Z�OL�^PSS�JVU[HJ[�`V\�I`�[LSLWOVUL�[V�]LYPM`�[OL�PUMVYTH[PVU��@V\Y�<ZLY�0+�HUK�7HZZ^VYK�^PSS�[OLU�IL�ZLU[�[V�`V\�]PH�L�THPS��

XI. RETAINER AGREEMENT

1HJVI`� �4L`LYZ�^PSS�VUS`�JOHYNL�MVY�SLNHS�MLLZ�PM�^L�HYL�Z\JJLZZM\S�PU�YLJV]LYPUN�TVUL`�MVY�`V\Y�JSHPTZ��

7SLHZL�YLHK�[OL�YL[HPULY�HNYLLTLU[�JHYLM\SS �̀�1HJVI`� �4L`LYZ�PZ�YLX\PYLK�[V�ÄSL�H�YL[HPULY�Z[H[LTLU[�^P[O�[OL�JV\Y[�PUKPJH[PUN�[OH[�V\Y�ÄYT�PZ�YLWYLZLU[PUN�`V\�

48%SETTLE

PRE- LAWSUIT

LAWSUIT NO JUDGE

FIRST CONFERENCE

SECOND CONFERENCE TRIAL DATE

60%SETTLE

75%SETTLE

87%SETTLE

94%SETTLE

GENERALLY UP TO 3 YEARS TO START SUIT

EBT ADJOURNEDTWICE BY

DEFENDANT

JUDGE ORDERED EBT AND PHYSICAL

IS EVERYTHING DONE?

3 MONTHS TO

16 MONTHS

HOW J&M CALCULATES FEES

HOW MANY OTHER FIRMS CALCULATE FEES

.96::�:,;;3,4,5;� �������

� +0:)<9:,4,5;� ��������

� 5,;�:,;;3,4,5;� � ����

� 6<9�-,,� �����������������������

YOUR SHARE $6,000

.96::�:,;;3,4,5;� �������

� (;;695,@�-,,� ��������

� 5,;�:,;;3,4,5;� ������

� +0:)<9:,4,5;� �����������������������

YOUR SHARE $5,667

Page 13: Y`JHZL€¦ · strength in evaluating potential automobile accident claims. A BOU T JACOB Y & M EY ERS, LLP 1HJVI` 4L`LYZPZ(TLYPJH»ZTVZ[MHTPSPHYUHTLPUSLNHSYLWYLZLU[H[PVU WYV]PKPUN

20

?0=��YOUR RIGHTS AS A CLIENT

@V\�HYL�LU[P[SLK�[V�IL�[YLH[LK�̂ P[O�JV\Y[LZ`�HUK�JVUZPKLYH[PVU�H[�HSS�[PTLZ�I`�̀ V\Y�SH^`LY�HUK�HSS�V[OLY�SH^`LYZ�HUK�WLYZVUULS�PU�`V\Y�SH^`LY»Z�VMÄJL��

@V\�HYL�LU[P[SLK�[V�HU�H[[VYUL`�JHWHISL�VM�OHUKSPUN�`V\Y�SLNHS�TH[[LY�JVTWL[LU[S`�HUK�KPSPNLU[S`� PU� HJJVYKHUJL�^P[O� [OL� OPNOLZ[� Z[HUKHYKZ� VM� [OL� WYVMLZZPVU�� 0M� `V\� HYL� UV[�ZH[PZÄLK�^P[O�OV^�`V\Y�TH[[LY�PZ�ILPUN�OHUKSLK��`V\�OH]L�[OL�YPNO[�[V�^P[OKYH^�MYVT�[OL�H[[VYUL`�JSPLU[�YLSH[PVUZOPW�H[�HU`�[PTL��JV\Y[�HWWYV]HS�TH`�IL�YLX\PYLK�PU�ZVTL�TH[[LYZ�HUK�̀ V\Y�H[[VYUL`�TH`�OH]L�H�JSHPT�HNHPUZ[�̀ V\�MVY�[OL�]HS\L�VM�ZLY]PJLZ�YLUKLYLK�[V�̀ V\�\W�[V�[OL�WVPU[�VM�KPZJOHYNL���

@V\� HYL� LU[P[SLK� [V� `V\Y� SH^`LY»Z� PUKLWLUKLU[� WYVMLZZPVUHS� Q\KNTLU[� HUK� \UKP]PKLK�SV`HS[`�\UJVTWYVTPZLK�I`�JVUÅPJ[Z�VM�PU[LYLZ[�

@V\�HYL�LU[P[SLK�[V�IL�JOHYNLK�H�YLHZVUHISL�MLL�HUK�[V�OH]L�`V\Y�SH^`LY�L_WSHPU�H[�[OL�V\[ZL[�OV^�[OL�MLL�^PSS�IL�JVTW\[LK�HUK�[OL�THUULY�HUK�MYLX\LUJ`�VM�IPSSPUN��

@V\�HYL� LU[P[SLK� [V� YLX\LZ[� HUK� YLJLP]L�H�^YP[[LU� P[LTPaLK�IPSS� MYVT�`V\Y� H[[VYUL`�H[�YLHZVUHISL� PU[LY]HSZ��@V\�TH`� YLM\ZL� [V�LU[LY� PU[V�HU`� MLL�HYYHUNLTLU[� [OH[�`V\�ÄUK�\UZH[PZMHJ[VY �̀�

@V\�HYL�LU[P[SLK�[V�OH]L�̀ V\Y�X\LZ[PVUZ�HUK�JVUJLYUZ�HKKYLZZLK�PU�H�WYVTW[�THUULY�HUK�[V�OH]L�`V\Y�[LSLWOVUL�JHSSZ�YL[\YULK�WYVTW[S �̀�

@V\�HYL�LU[P[SLK�[V�IL�RLW[�PUMVYTLK�HZ�[V�[OL�Z[H[\Z�VM�`V\Y�TH[[LY�HUK�[V�YLX\LZ[�HUK�YLJLP]L�JVWPLZ�VM�WHWLY^VYR��

@V\�HYL�LU[P[SLK�[V�Z\MÄJPLU[�PUMVYTH[PVU�[V�HSSV^�`V\�[V�WHY[PJPWH[L�TLHUPUNM\SS`�PU�[OL�KL]LSVWTLU[�VM�`V\Y�TH[[LY��

@V\�HYL�LU[P[SLK�[V�OH]L�`V\Y�SLNP[PTH[L�VIQLJ[P]LZ�YLZWLJ[LK�I`�`V\Y�H[[VYUL �̀�PUJS\KPUN�^OL[OLY�VY�UV[�[V�ZL[[SL�`V\Y�TH[[LY��JV\Y[�HWWYV]HS�VM�H�ZL[[SLTLU[�PZ�YLX\PYLK�PU�ZVTL�TH[[LYZ���

@V\�OH]L�[OL�YPNO[�[V�WYP]HJ`�PU�`V\Y�KLHSPUNZ�^P[O�`V\Y�SH^`LY�HUK�[V�OH]L�`V\Y�ZLJYL[Z�HUK�JVUÄKLUJLZ�WYLZLY]LK�[V�[OL�L_[LU[�WLYTP[[LK�I`�SH �̂�

@V\�HYL�LU[P[SLK�[V�OH]L�̀ V\Y�H[[VYUL`�JVUK\J[�OPTZLSM�VY�OLYZLSM�L[OPJHSS`�PU�HJJVYKHUJL�^P[O�[OL�*VKL�VM�7YVMLZZPVUHS�9LZWVUZPIPSP[ �̀�

@V\�TH`�UV[�IL�YLM\ZLK�YLWYLZLU[H[PVU�VU�[OL�IHZPZ�VM�YHJL��JYLLK��JVSVY��YLSPNPVU��ZL_��ZL_\HS�VYPLU[H[PVU��HNL��UH[PVUHS�VYPNPU��VY�KPZHIPSP[ �̀�

This Guide is not intended as an all inclusive legal document. It is not a substitute for professional legal counsel. It is intended to be used in conjunction with the appropriate legal representation.