Articles Posted in Truck Accidents

The Baltimore Sun reports today that Maryland Insurance Commissioner Ralph S. Tyler ordered nine premium finance companies – companies that finance the Maryland Automobile Insurance Fund premiums, which consumers are still required to pay in full – to stop charging ridiculously high finance charges. Two of these finance companies also must refund money to consumers because, incredibly, they charged interest in policies never issued. The Baltimore Sun article suggests this will save MAIF’s customers about $100 a year.

These finance companies exist because of a quirk in the law that requires MAIF to make customers pay in full for their premiums. Since most consumers cannot afford this, these drivers turn to predatory lending companies. Everyone from MAIF itself to Ralph Tyler has argued that MAIF should allow its insured drivers to pay premiums over time, like virtually all the rest of us.

Unfortunately, MAIF drivers, who typically have poor driving records and/or terrible credit histories, have no lobbyists in Annapolis. MAIF’s competitors (particularly, as this blog discusses, State Auto) and these finance companies have lobbyists, which is why this nonsense was allowed to continue. Hopefully, 2009 is the year that the Maryland legislature finally gets its act together and gets rid of this nonsense.

Interesting data from Jury Verdict Research on the median and average values of wrongful death cases where the decedent is female. The overall average compensatory award for wrongful death of an adult female over the last eight years in the United States is $2,990,032 ($1,102,976 is the median).

Age is a big variable when looking at median and average female wrongful death values. The average wrongful death verdict for a female between 18 and 24 is 2,990,032 ($1,102,976 median). For females between 30 and 39, women who are far more likely to have left behind children, the median wrongful death verdict escalates to $5,605,127 ($2,500,000 median). For women over 80, the average wrongful death verdict plummets to $1,314,241 (322,920 median).

I always find it maddening when insurance companies discount the value of human life in wrongful death cases because of the age of the decedent. If you are eighty years old and you are killed, those last 10 years of seeing your kids as adults, your grandchildren coming of age and everything else that comes with it are valuable years. But these numbers, regrettably, show that there is some logic to their thinking for how juries value wrongful death cases.

The Missouri Supreme Court found last week that a truck driver not involved in a truck accident with another driver can sue for the emotional damages suffered when he saw the dead victim in the other car. I’m not sure the decision is legally wrong. But it would not fly in the court of Moral Justice court.

The Plaintiff is seeking $1,623.57 in medical bills, and past and future lost wages exeeding $45,000. This is a bogus claim alert right there. You shouldn’t lose $45,000 in wages and have such small medical bills in 99.999% of the cases. But here is what is worse: the defendant lost his two-year-old daughter because of his own negligence, which has to be the most awful feeling in the world. His emotional distress from the wreck – albeit his fault – is through the roof. Now he sues. There are some things that we can do in this life that we just should not do.

Oh, wait. It gets worse. In the lawsuit, the Defendant sought and received the following admissions:

Last week, I received a call from an insurance company (Progressive) asking how many occupants were in our clients’ vehicle in a car accident case our lawyers are handling. Sadly, it appears someone saw our clients get in what was a serious accident, noted the vehicle information, and then pretended that they were involved in the accident. Progressive called me and asked if I can get an affidavit from my clients stating that this person was not in the vehicle. I appreciated where the adjuster/investigator was coming from because he wanted to close his file, but I did not see how it helped my client to provide an affidavit, and I could conjure up scenarios where it would not be helpful to me to help them.

I felt knocked off balance for a second after denying Progressive’s request, losing my moral high ground. But then I quickly asked the adjuster if Progressive will accept service sometimes as I was getting ready to file or if they would require me to spend needless money and jump through the hoops of hiring a process server to serve the defendants individually. Instantly, the order of the moral universe was restored. Wherever you are at this moment, you probably felt a jolt of unknown origin. The lesson, as always: if your game plan is never getting a quarter, don’t ask for one.

Another needless hoop insurance companies make you jump through in an auto accident case in Maryland is getting accurate identifying information for the defendant driver. Once settlement negotiations have failed, the next step is to file a Complaint. But to effectuate service of process, you need the defendant’s address. It is not uncommon for our only information regarding the defendant driver to be a name and insurance information. If his name is Joe Brown or Steve Smith, it can be difficult in car accidents where there is no filed police report, the defendant has moved since the accident or the defendant gave a false address.

A Washington jury awarded $15.5M last week in a 2004 truck accident case. The injuries, as the verdict suggests, were catastrophic. The auto accident caused the Plaintiff’s blindness. She continues to undergo surgical procedures to reconstruct her facial structure and is still in therapy to aid in her recovery from the brain injuries she suffered.

Given the catastrophic nature of these injuries, the amount of the award is no surprise; however, the party held primarily responsible for her injuries is U-Haul International, Inc. The jurors, apportioning liability as they do in a comparative negligence jurisdiction, found that U-Haul was 67% at-fault for Plaintiff’s injuries while they found the operator of the U-Haul trailer at 33%. The jurors also found U-Haul Company of Washington and the owner of the Texaco station where Mr. Hefley rented the trailer to be negligent.

The jury found that the operator had failed to secure materials in the U-Haul trailer he rented and as a result, an enormous piece of wooden furniture flew out of the trailer and smashed through the plaintiff’s windshield on the driver’s side. The jury found that the lack of instruction and clear warning to customers on how to properly secure materials they were transporting made U-Haul more at fault for the accident then Mr. Hefley’s failure to ensure the stability of the furniture he was transporting.

I read a study this weekend (my wife was at a jewelry party and my kids were asleep on Friday night) published last year by the Cornell University Industrial & Labor Relations Review, that looked at the correlation between truck driver compensation and safety outcomes.

I am sure the Teamsters embraced the results of the study: increases in truck driver compensation led to fewer crashes. It is unclear whether the improvement in the drivers’ safety records resulted from more careful driving or other related behavioral adjustments, but the strength of the data was remarkable.

Why is there a correlation between compensation and a decrease in these dangerous wrecks? I’m not sure that we can devise a study to prove driver motivations, but it makes sense that the more you are paid, the more likely you are to want to do the things you have to do to keep your job. It seems logical that paying truck drivers well serves as a counterbalance to the lure of engaging in risky behaviors – such as speeding and driving without proper rest – to drive further to make a decent wage. Better paid drivers may cause fewer truck accidents because more pay means better retention, which leads to more experienced operators on our nation’s highways.

The New York Times reports on recent rules set up by chief administrator Nicole R. Nason at National Highway Traffic Safety Administration, prohibiting officials at the agency from going on the record with reporters. Without special permission, the NHTSA only allows agency officials to only speak with reporters to provide background information.

I am sure keeping everyone on the same page is the politically astute play. But is that Ms. Nason’s purpose? Or is it to protect the safety of our citizens on public highways? Obviously, the free flow of safety information will keep reporters investigating whether manufacturers are making safe vehicles.

The Times notes that this is a 35-year-old lawyer in charge of keeping our nation’s highways safe. While I am all for lawyers being qualified to do anything and everything, I have to question whether she was the best candidate for this job. Ms. Nason served a few years as the Assistant Secretary of Transportation for governmental affairs. Why the leap to this position so quickly with such a minimal transportation background? I assume her quick rise was in part because of her connection to former CIA Director Porter J. Goss, for whom she worked as communications director when he was a congressman.  (Looking back over this post in 2019, I have to say we did not have it so bad compared to now.)

A recent Jury Verdict Research study revealed some interesting settlement and verdict data regarding truck accident cases. The most frequently cited injury in truck accident cases, which is probably true for auto accident cases, is the back strain. Back strains, according to the study, drew a median verdict of $15,000.00.

Brain injury cases, which accounted for only six percent of truck accident verdicts, had a median verdict of $1.3 million. Knee injuries accounted for four percent of the cases and had a median verdict of approximately $85,000.00.

The study also broke the verdict down into the truck accident collision which occurred and the median verdicts by type. The head-on collision had the highest median verdict of $275,000 and the “backing” collision (where a truck backs up into another vehicle) had the lowest of $33,000. The overall verdicts studied had a median verdict of $100,000.

According to The Federal Motor Carry Safety Administration’s 2006 report, there are approximately 141,000 truck crashes every year. In 77,000 of these truck accidents – more than half – the fault was attributed to the truck driver. This is interesting because we have been getting data from the American Trucking Associations. and the Truckload Carriers Association for years telling us that the truck drivers are rarely at fault in truck accidents. Yet this ostensibly objective study says just the opposite.

According to the FMCA 2006 report, the top 10 causes of truck accidents where the truck driver is a fault:

1. Prescription drug use (26%)

truck accident caseI have encountered yet another spoliation issue in a truck accident case where the defendant cannot produce their trucking log that was requested within six months of the incident. Federal regulations require commercial truck drivers to maintain their log for at least six months.

Unlike New Jersey and California, Maryland has no independent tort for negligent or intentional spoliation of evidence. But you can get in Maryland a spoliation instruction stating that the destruction of evidence creates a presumption unfavorable to the spoliator.

Obviously, in fairness to everyone, the best practice regarding evidence in a case is to preserve all potential evidence until they have concluded all legal proceedings. The intentional or negligent destruction or spoliation of evidence threatens the integrity of our judicial system. As I have discussed previously on this blog, many truck drivers do not take these logs seriously. The practice of falsifying truck driver hours is an open secret in the trucking industry; truckers routinely refer to their driving logs as “comic books.” Fines are small and infrequent. The oversight from the Federal Motor Carrier Safety Administration is virtually nonexistent. The FMCSA does not have the staff to closely monitor 700,000 businesses and almost eight million trucks.

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