Articles Posted in Personal Injury

I was injured in a motor vehicle collision that was not my fault. My insurance company paid for my medical bills and now they are telling me that they have a right of subrogation in my claim against the at-fault party. What does that mean?

Subrogation is the substitution of one party for another whose debt the party pays, entitling the paying party to rights, remedies, or securities that would otherwise belong to the debtor. Said otherwise, pursuant to the language which is probably in your insurance policy, when your insurance company paid your medical bills and those bills were incurred due to the negligence of another, your insurance company has the right to be paid back. The insurance company can sue the at-fault party seeking reimbursement or alternatively, they can obtain recovery through you in your claim/lawsuit against the at-fault party. When the at-fault party (or their insurance company) pays you to resolve the claim, a portion of those proceeds will need to go to your insurance company unless your insurance company agrees to waive all or a portion of their subrogation rights.

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By Pat George

As everyone in Idaho knows, a person must wear a seat belt whenever a vehicle is in motion because they will protect you if you are involved in any car accident. However, the Idaho Legislature just made this law even more important. Recently, the Idaho Legislature enacted a statute that could have a large impact on a person who has not used a seat belt and is injured in a car accident. If the failure to wear the seat belt caused the injuries to be more severe than they would have been had the injured person been wearing a seat belt, that evidence can be admitted. This would reduce the injured person’s recovery. The moral of this story is that seat belt is more important than ever.

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By Fred Lewis and George Casper

Picture this. You get into a car accident and the other motorist is found to be negligent. You file a lawsuit in order to have the other motorist’s insurance pay for any vehicle damages, lost wages, medical bills and pain and suffering. You find out that the other motorist has an insurance policy that only covers up to $25,000 (the legal minimum) of damages that result from an accident. Your damages, wage losses, and medical bills amount to over $400,000 dollars. What do you do in order to get the rest of your claim paid for?

Unfortunately, the scenario described above happens all too often. Underinsured motorist’s can leave drivers on the wrong end of a car accident with feelings of anger and frustration. In order to prevent these feelings, make sure that you check your own auto insurance policy and see what the limits are for car accidents with underinsured drivers. Buy as much underinsured coverage as you can reasonably afford. It is one of the best insurance values available.

By Pat George

A recent study shows that 40% of U.S. drivers will doze off while their driving at some point in their lives. This fact is frightening not just for drivers across the country, but right here in Idaho. In fact, in 2009 there were 563 car accidents due to drowsy driving. Driving drowsy is just as dangerous as drunk driving since fatigue slows reaction time and impairs judgment.

Its important to report those drivers that you suspect are impaired while driving whether this is due to alcohol or fatigue. This protects you, your loved ones, and all of us in Idaho.

By: Fred Lewis and George Casper

Driving under the influence of alcohol or other drugs is a serious issue for today’s motorists. It is one of the main causes for car accidents in the United States. In 2013 alone, over 32,000 people were killed in alcohol-related car accidents. Thousands of others have suffered serious personal injury. If you are involved in an automobile accident with somebody who has had one, two, or ten drinks too many, you need to seek legal action against that driver.

If you do decide to bring suit against an impaired driver (you’d be misguided not to), it is important to know where the person was drinking. According to Idaho Code 23-808, the business selling the alcohol to the drunk driver can be indicted as a co-contributor to the car accident under dram shop liability. Dram shop law states that liability can be thrust upon establishments that provide alcoholic beverages if they sell drinks to visibly intoxicated persons or minors who subsequently cause death or injury to third parties not associated with the establishment. Dram shop can be especially useful if the drunk driver who caused the car accident is either underinsured or uninsured.

By: Fred Lewis and George Casper

It is widely said that there are two certainties in life: death and taxes. This statement is incorrect. There are actually three certainties in life: death, taxes, and car accidents. Ever since Henry Ford created an assembly line able mass produce his Model-T at an affordable price for all middle-class Americans, there have been car accidents. There are, on average, about 10 million car accidents a year in the United States. This figure includes every type of car accident from the minor scrape to the colossal, car-totaling catastrophes that generally result in personal injury. It is said that the average person gets into 3 to 4 automobile accidents in their driving lifetime, so why increase the chances by using a cell phone while driving? Most everyone knows that using a cell phone while driving is dangerous, but still do it anyways. This is especially true for the younger population, whom consider their cell phone to be their lifeline to society.

A study conducted in 2006 by David Strayer, Frank Drews, and Dennis Crouch on the effects of operating a cell phone while driving found drivers using cell phones “actually exhibit greater impairments (i.e., more accidents and less responsive driving behavior) than legally intoxicated drivers.” To put this in perspective, the most recent traffic safety data found that 32,719 people died from alcohol-impaired driving crashes in the United States. The phrase “using cell phones” includes taking phone calls, texting, and using hands-free technology. Texting was found to be the most dangerous from of cell phone use for fairly obvious reasons. The Idaho State Legislature enacted Idaho Code 49-1401A in 2012 in order to ban texting while driving.

Racine Olson has been representing everyday Idahoans for more than 75 years. The firm’s founder, Louis F. Racine Jr., understood well the hard work of people like you who raised this community up out of the high desert earth. “Racine” strived to ensure that the negligence and misconduct of others would not jeopardize all that his clients had worked hard to achieve.

Today, the Idaho personal injury attorneys of Racine Olson carry on Racine’s legacy. We have the only physician-attorney practicing in Idaho. In addition, we have a state policeman, now attorney practicing with us. When people retain lawyers at Racine Olson, they don’t get just one attorney, they get the combined experience of all the lawyers in one of the largest and oldest personal injury law firms in Idaho. Like our founder, we understand that success is no coincidence. Through zealous advocacy, hard work and commitment, our personal injury attorneys team up to get Idahoans the recovery they deserve.

But, that’s not all our attorneys accomplish when they represent everyday people. In addition to achieving compensation for these clients, our attorneys make Idaho a safer and better place for us all.

A contingency fee is a fee charged by a lawyer for his/her services that are paid to the lawyer by the client, only if the client’s case is successful or settled favorably out of court. Contingency fees are usually in the range of 25% to 40%, depending upon whether the case is settled without the need of a lawsuit, whether suit is filed, or whether there was an appeal involved in the lawsuit.

Often times there are costs incurred in the lawsuit process such as the costs associated with the filing of suit, serving the Complaint and Summons, deposition costs, expert fees, and medical records retrieval. These costs are separate from the contingency fee and are often times advanced by the lawyer for the client. Upon resolution of the client’s case, the attorney is paid for the costs advanced.

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