With Push From Cuomo, NY Legislature Expected To Finally Pass Child Victims Act In 2019

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The New York State Legislature appears finally ready to give new hope to the victims of child sexual abuse and their families. The Child Victims Act, if approved this year, is expected to extend the statute of limitations for sexual crimes against children, allowing more victims to sue their attackers and the institutions they represented.

In 2019, with the Democrats leading the Senate and Assembly under Democratic Gov. Andrew Cuomo, the long-debated Child Victims Act may finally be approved by state lawmakers. The Republican-controlled Senate in the past had blocked the legislation after the Democrat-controlled Assembly passed it.

The legislation may give past abuse victims a one-year window to file civil claims, regardless of when the abuse happened. The one-time measure has powerful opponents in Albany, including the insurance industry and the Catholic Church.

Cuomo is expected to highlight the legislation in his executive budget proposal, which will be introduced Tuesday, Jan. 15, in Albany.

To summarize, according to recent news reports, the proposed legislation does the following:

  • Extends or eliminates the statute of limitations for future criminal sexual cases involving a child under the age of 18, which would give victims more time to come forward after they become adults.
  • Extends the time limit for victims to sue in civil court to the time they turn 50.
  • Opens a one-year window for all past victims of child sexual abuse to file civil claims, regardless of when it happened.

The most serious felony sexual crimes against children already have no statute of limitations, so prosecutors can’t be restricted from bringing charges because of how much time has passed.

Gov. Andrew Cuomo.

Gov. Andrew Cuomo.

But there is a five year statute of limitations for other lower-level felonies that begin when the victim turns 18. A 2018 bill proposed by Cuomo called for dropping any time limit but the Legislature’s bill would start the five-year statute of limitations when the victim turns 23.

The bill’s sponsors call the so-called “look-back period” the key part of the legislation. If approved, the one-year period would begin six months after the bill is signed. In that next year only, victims would be able to seek civil relief from people or institutions, regardless of the victim’s age or when the abuse occurred.

News reports said insurance groups have strongly lobbied against the look-back period for obvious reasons: They would likely face pressure to pay out damages to victims of institutions the insurers count as clients for claims that had been previously barred by the statute of limitations.

The state Catholic Conference, which represents the state’s Catholic dioceses, has also targeted the look-back period, saying it appears it would only apply to private institutions — like the Catholic Church — and not schools and governments, according to news reports. The bill sponsors said it applies to both.

The dispute is over what’s known as a “notice of claim,” which has to be filed within 90 days of an act and serves as an extra layer of protection that public institutions have against being sued.

But last week, news reports said Cuomo’s office announced the Child Victims Act in his budget would eliminate the need for a notice of claim when a sex crime is committed against a child.

Cuomo also wants judges to attend required training on how to handle cases involving children who are sexually abused. The legislation would also let the state Office of Court Administration establish rules for adjudicating revived claims against abusers in the past.

Thank you for reading,

Adam M. Gee
[email protected]
(607) 733-8866

 

 


New Year, Many New NY and PA Laws For Twin Tiers Residents

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Twin Tiers residents face some new state laws that could impact their lives in 2019.

In New York and Pennsylvania, some of the new laws established in 2017 and 2018 take effect in 2019. In NY, state lawmakers in Albany debated and approved minimum wage increases, more paid family leave, and much more. In PA, state lawmakers in Harrisburg toughened penalties for DUIs and domestic violence and closed a gun show loophole among a group of new laws.

The New York State Legislature begins meeting Jan. 9 and the Democrats have a lot on their plate because they control the state Assembly and Senate, and are led by a Democrat, newly re-elected Gov. Andrew Cuomo. A big topic of debate in 2019 will be the possible legalization of recreational marijuana in the state.

The Pennsylvania Legislature returned Jan. 7 with the Republicans still having the majorities in both chambers. There are a record number of female lawmakers who will join the fight in tackling redistricting, education, and pension reform, among many other issues, and will be expected to better address the opioid crisis.

Here is a summary of what you need to know:

New York

■ Good news for many New York homeowners: Property tax rebate checks will increase an average of $530 this year for STAR-eligible homeowners earning $275,000 or less a year in property tax-compliant school districts.

Dollars■ The minimum wage upstate increased to $11.10 an hour, up from $10.40 an hour, on Dec. 31. It was the third straight year that the wage was increased and is part of a phased-in increase that will continue through 2021.

In New York City, small employers with no more than 10 employees will pay $13.50, up from $12. Large employers, with 11 or more employees, saw the increase jump from $13 to $15 an hour. In Long Island and Westchester County, the wage increased from $11 to $12.

As usual when there is a rate hike, some business owners said they will pass the increased labor costs on to their customers, or their business may close. Worker advocates say the increases are good for all minimum-wage employees.

Eligible employees denied the wage increase can call a state hotline to report noncompliant employers: 1-888-4-NYSDOL.

Vounteer-FD■ Volunteer firefighters diagnosed with certain forms of cancer after Jan. 1 will be eligible for state disability coverage. The firefighters must have served at least five years to get access to the tax-free disability and death benefits.

To learn more about which forms of cancer are included, contact your state lawmakers or read the state’s frequently-asked questions document about the New York State Volunteer Firefighter Gap Coverage Cancer Disabilities Benefits Act, which was approved in October 2017.

■ The state has increased paid family leave from eight weeks to 10 weeks. Eligible employees can take that time off for a new child, a sick family member or to help a family member when another member of the family is deployed on active military service. The number of weeks will continue to increase for the next two years, to 12 weeks in 2021. Learn more here.

■ Drugstores and mail-order pharmacies required to give consumers the ability to return unused prescription drugs through free drop boxes, prepaid envelopes or other secure avenues. The Drug Take Back Act is trying to discourage the flushing of unused drugs into sewers.

■ Health insurers are now required to provide prostate cancer screenings to men free of co-pays or deductibles. Health insurers are also required to let consumers know about the feature.

■ A new law that takes effect on Jan. 30 will allow state correction officials to screen inmates for homemade weapons using body scanners. The weapons, often ceramic craft blades found in cutting tools but not detected by metal detectors, have been used to injure correction officers, state officials said.

■ Diaper-changing tables are now required in new or renovated public men’s and women’s restrooms.

Pennsylvania

police-lights■ First felony DUI law: Those convicted of repeatedly driving under the influence face the state’s first felony for DUI, which went into effect on Dec. 23. A driver could face the felony charge when they have been arrested for a third offense in a decade with at least twice the legal limit for alcohol (legal limit is .08 percent), or if they are a fourth-time offender. All previous DUI offenses were misdemeanors.

Longer jail sentences are also likely for those who unintentionally cause someone’s death because of their repeated DUI violations.

■ Domestic violence: Abusers facing final Protection From Abuse orders are required to surrender their firearms to police and not family members or friends.

A new law also lets judges use risk assessment tools to determine if an abuser continues to be a threat to victims, and the same tools can be used to determine bail amounts.

■ Firearms: The law was changed to close the “gun show loophole” that let guns be sold without a state police background check.

■ School bus cameras: A new law helps schools buy external cameras to catch images of anyone driving around a stopped bus.

December 1986 Miami, Florida, USA

■ Saving animals: Law enforcement officers can now remove pets from motor vehicles without being liable for damage. It’s called the Motor Vehicle Extreme Heat Protection Act.

■ Hazing: A new law toughens penalties for hazing and makes sure colleges and universities set up anti-hazing safeguards to protect students.

■ Opioid crisis: With the drug problem in mind, lawmakers grant grandparents guardianship rights for grandchildren for 90 days to one year if parents are unable to care for the children.

■ Sentencing change: Drivers’ licenses can no longer be suspended for non-driving infractions.

■ Criminal appeals: The state extended the filing period for post-conviction relief appeals – when people argue their defense lawyer was ineffective in cases that ended in criminal convictions – from 60 days to one year.

■ Clean Slate Law: The new law lets people with 10-year-old criminal records ask to get those records sealed if their crime was a nonviolent misdemeanor and included a sentence of one or more years in prison. The person must also not have any new convictions in the 10-year period.

The law also authorizes the automatic sealing of second- and third-degree misdemeanor convictions that ended in sentences of less than two years – also if there are no new convictions in the last 10 years.

■ Skimmers: A new law criminalizes the card readers that illegally gather data from credit and debit cards.

■ Drones:  The penalties have become tougher for those who use a drone to stalk or monitor another person outside of the scope of law enforcement.

Thanks for reading,

Jim

Jim Reed
Managing Partner
Best Lawyers’ “2015 & 2017 & 2019 Lawyer of the Year”
NY & PA Injury & Malpractice Lawyer
Ziff Law Firm, LLP
Office: (607)733-8866
Toll-Free: 800-ZIFFLAW (943-3529)
Blogs: NYInjuryLawBlog.com and
            NYBikeAccidentBlog.com

 

 


Ziff Law’s Jim Reed Named Lawyer Of The Year For Southern Tier Region In 2019

Jim Reed, Ziff Law Firm

Jim Reed of the Ziff Law Firm has been named the 2019 Plaintiffs’ Lawyer of the Year among personal injury lawyers in the Southern New York Region, which encompasses a region from Binghamton to Corning and Elmira to Ithaca.

Jim, the managing partner of the Ziff Law Firm, will again be included in the Best Lawyers directory, a nationally recognized resource used to locate the best-qualified attorneys by region. Jim was also named Lawyer of the Year in 2015 and 2017.

According to the Best Lawyers directory, one lawyer in each practice area and designated metropolitan area is honored as a Lawyer of the Year, making it a significant achievement for Jim.

Attorneys are selected based on peer reviews and the recognition reflects the high level of respect a lawyer has earned among other leading lawyers in the same communities and the same practice areas for their abilities, their professionalism, and their integrity.

Jim’s clients weren’t consulted, but many agree with Best Lawyers’ designation.

  • Thomas of Amherst, NY: “After a traumatic bike crash, I was thankful I was able to lean on Jim’s experience and expertise. He was upfront with me from the beginning and went the extra mile at the end and was able to get a higher settlement than what was originally expected from the insurance company. I am very appreciative.”
  • John and Sylvia of Horseheads: “John was in a severe rear-ending collision and Jim was always there to help no matter when we needed him. Jim and the Ziff Law Firm handled everything. After Jim acquired a sizable settlement, Ziff Law took care of paying our debtors and made sure we had a good investment for our future. Jim is a hard-working, concerned, passionate, and dedicated attorney.”
  • Terri of Big Flats: “After being involved in a motor vehicle crash, we hired Jim and his team and it was the best decision we could have made. Jim is a fantastic attorney. Just as important, he is a fantastic person. Jim never promised us the moon. He was careful to advise us of the good and the bad that could happen. Many places will tell you anything to get you as a client; this was not the case with Jim. His approach was full of professionalism, kindness and compassion, integrity, and patience.”

Congratulations, Jim!

 


Winter Strikes Early … Are You Really Ready? Legal Tips for Winter Safety

Capture1Winter arrived way too early in the Twin Tiers.

Our mid-November snowstorm has mostly melted, but it’s not something most of us will forget any time soon. We jumped from raking leaves to shoveling and blowing wet, heavy snow (full of leaves) in 24 hours.

So before the next storm strikes, here are some things Twin Tiers motorists and property owners need to remember as we head into another unpredictable Northeast winter.

Cleaning up the snow: I recently appeared on WENY-TV’s special report, “Winter Ready 2018,” with the Horseheads TV station’s meteorologists to talk about snow removal. I am always amazed at the number of property owners who don’t clean their sidewalks, driveways, and porches within 12 to 24 hours after a snowfall.

In many cases, if someone falls on their property because the sidewalk or driveway is not cleaned sufficiently in a timely fashion, the property owner could be held liable. Most communities have laws that require property owners to keep their sidewalks clear of snow and ice within a reasonable amount of time after a snowfall or ice storm.

So keep your shovel and salt handy, and if possible, keep your snow blower full of gas and ready to go. If you are a renter, does your landlord handle snow removal or have they delegated that responsibility to you? Be sure to review your lease closely about sidewalk and driveway responsibility.

You can watch my WENY segment here.

 

 

About that “move over law” in New York State: Many of us have learned to slow down and move over to another lane when we encounter emergency responders on our four-lane highways, but did you know it’s also the law to do it when you are driving 30 mph or so in a city, town or village? I see people ignoring emergency lights all the time when they’re going slower speeds.

If you did not watch the video above of the officer talking about the importance of the move over law — he survived being struck by a vehicle during a traffic stop — then you should watch it now before reading any more.

move-overHere is another overlooked fact about the law: We all know we are supposed to slow down and pull over safely or stop for emergency vehicles such as police cars, firetrucks, and ambulances, but we are also supposed to provide a slow and safe buffer zone around other non-emergency vehicles such as snow plows, tow trucks, sanitation trucks, and road construction crews.

I strongly recommend you read the New York State Vehicle and Traffic Law 1144-a.

If an officer or trooper pulls you over for violating this law, it’s a moving violation that is punishable by two points on your license and a fine of $275. If you’re pulled over for that violation, you might also see some additional charges: Failure to Yield the Right of Way (three points), Improper Passing (three points), Unsafe Lane Change (three points), Reckless Driving (five points), and Speeding (three to 11 points depending on the speed).

So if you see a vehicle with flashing amber, red or blue lights, slow down and decide carefully how you can get around them for your safety, theirs, and everyone else. On a two-lane road, moving over to the other lane may not be a safe move. You may have to stop and move over slowly, so be prepared to slow down and stop.

Also, about that snow on your car: If you have a buildup of snow and ice on your vehicle, it could pose a clear and present danger to vehicles behind you and can illegally obstruct your visibility out of your vehicle. You could be ticketed and face a civil lawsuit because you failed to take reasonable steps to make sure you could see safely.

Bottom line: Our Twin Tiers winters are unpredictable, so my best advice is always to slow down and avoid distractions (your phone!) when driving, keep your sidewalk and driveway clear, clean that snow off your vehicle, and move over for all emergency vehicles.

 

Thanks for reading,

Jim

Jim Reed
Managing Partner
Best Lawyers’ “2015 & 2017 Lawyer of the Year”
NY & PA Injury & Malpractice Lawyer
Ziff Law Firm, LLP
Office: (607)733-8866
Toll-Free: 800-ZIFFLAW (943-3529)
Blogs: NYInjuryLawBlog.com and
            NYBikeAccidentBlog.com

 


Be Prepared For Crashes With The New Ziff Law Crash Help App

The Ziff Law Firm wants to help drivers in their most stressful moments – in the minutes after a vehicle crash. Be prepared and protect yourself and your loved ones with the free Ziff Law Crash Help App for iPhones and Androids.

Crash Help picThe Ziff Law Crash Help App’s automatic car crash detection system uses internal sensors in your smartphone to detect a crash and automatically sends a help message with your location to the emergency contacts you selected, if it is enabled.

Crash Help also features:

  • Camera, video recorder, and a text notepad to record all pertinent crash information.
  • Time-saving forms to help you collect information from other drivers, passengers, and other witnesses.
  • An automatic GPS locator that captures critical crash information like traffic patterns and road conditions.
  • A frequently-asked-questions section that educates users about the best ways to prepare for and handle any motor vehicle crash.
  • A locator of emergency services based on your location.

Download the iPhone App here.

Download the Android App here.

Thanks for reading,

Jim

Jim Reed
Managing Partner
Best Lawyers’ “2015 & 2017 Lawyer of the Year”
NY & PA Injury & Malpractice Lawyer
Ziff Law Firm, LLP
Office: (607)733-8866
Toll-Free: 800-ZIFFLAW (943-3529)
Blogs: NYInjuryLawBlog.com and
            NYBikeAccidentBlog.com

 

 


Deer Season Makes Twin Tiers Roads More Dangerous This Fall, Says NY and PA Personal Injury Lawyer

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It’s deer season for hunters – and drivers – this fall.

Hunting seasons are underway in New York and Pennsylvania, so that means deer collisions on Twin Tiers roads are going to skyrocket. It’s also mating season for deer, so they are more restless and your chances of hitting a deer are much higher this time of year. Remember that dusk and dawn are the most dangerous deer-related collision times for motorists.

So be prepared.

Traffic-Signs-RM213-lgYour first step, in addition to being more watchful on area roads, is checking your car insurance policy to make sure you are covered sufficiently in case of an accident. Deer collisions are covered under the comprehensive section of your policy, which protects you against acts of God or nature.

Although we call it a deer collision – it is not covered under your insurance policy’s collision coverage, which protects you if you strike a fixed object or another vehicle. For example, your collision coverage would likely cover you if you swerve to miss a deer and strike a guardrail or a tree.

Keep in mind that you will have to pay a deductible on your comprehensive and collision coverage. You may also want to consider rental coverage so you do not have to pay out pocket for a rental car or be left without a vehicle in the event yours is inoperable after a deer collision.

If you are injured in the collision, your medical bills and lost wages will be covered under no-fault insurance.

It’s also important to check your liability coverage. Many drivers and passengers are injured in deer-related crashes because drivers swerve to miss the deer and strike other vehicles or fixed objects, such as a tree or guardrail. In these instances, an injured passenger or other motorist may bring a claim against you for their pain and suffering.

Therefore, it is very important to heed the advice below to keep you and your loved ones safe and free from liability.

If you strike a deer …

Mike Brown.

Michael Brown.

Move your vehicle to a safe place. If possible, pull over to the side of the road, and turn on your hazard lights. If you must leave your vehicle, stay off the road and out of the way of any oncoming vehicles.

Call the police if there are injuries to you or passengers, or the deer is blocking traffic and creating a threat for other drivers. If the collision results in injury or property damage, you may need to fill out an official report. This report also can prove useful when filing your insurance claim.

Document, document, document. Write detailed notes about what happened and be as specific as possible. Shoot photographs of the roadway, your surroundings, damage to your vehicle, and any injuries you or your passengers sustained if it is safe. If witnesses stop, take down their account of what occurred and get their contact information.

Stay away from the animal. A frightened, wounded deer could use its powerful legs and sharp hooves to harm you.

Contact your insurance agent. The sooner you report damage or injuries, the sooner your agent can file and process your claim.

Don’t assume your vehicle is safe to drive. Double-check that your car can be driven after colliding with a deer. Look for leaking fluid, loose parts, tire damage, broken lights, a hood that won’t latch and other safety hazards. If your vehicle seems unsafe in any way, call for a tow truck.

Consumer Reports offers the following tips to help you avoid striking deer this fall:

Slow down. Watch for deer especially around dawn and between the hours of 6 and 9 p.m., when they’re most active.

Be aware. Look out for deer-crossing signs and wooded areas where animals are likely to travel. If you travel the same route to and from work every day, you may find deer consistently grazing in the same fields. Make a mental note of when and where you regularly see the animals.

Be alert. If you see an animal on the side of the road, slow down. At night when traffic permits, put on your high beams for improved visibility.

Brake, don’t swerve. Swerving to avoid an animal can put you at risk for hitting another vehicle or losing control of your car. It can also confuse the animal as to which way to go. Instead, just slow down as quickly and safely as you can. Your odds for surviving an accident are better when hitting an animal than hitting another car.

Assume they have friends. The “where there’s one, there’s usually more” often holds true. Deer travel in groups, so if you see one run across the road, expect others to follow.

Don’t rely on deer whistles. Some drivers put these devices on their front bumpers to scare off animals, but animal behavior is unpredictable, even if you use one of these.

Buckle up. A seat belt is your best defense for minimizing your risk in a crash. An Insurance Institute for Highway Safety study found that 60 percent of the people killed in animal-vehicle collisions weren’t wearing their seat belts.

Thanks for reading,

Michael Brown, Esq.
NY Injury & Malpractice Lawyer
Ziff Law Firm, LLP
303 William Street
Elmira, New York 14902-1338
[email protected]
Office: (607) 733-8866
Web: www.zifflaw.com


After Deadly Limo Crash, It’s Time To Review YOUR Vehicle Insurance, Says NY and PA Personal Injury Lawyer

Capture2The crash of the stretch limousine last weekend in Schoharie, N.Y., that killed 20 people has left a lot of people in the Twin Tiers shaken. At some point in our lives, many of us have hopped aboard a limo for happy events like a wine tour or a wedding or a birthday party. Most of us were having so much fun with family and friends and co-workers that the thought of a crash never occurred to us. Or we have been passengers with another driver with insufficient insurance to protect their passengers in case of a crash.

But during this week of grim news, as the operator of the Schoharie limo company was charged with criminally negligent homicide, I want to provide something positive that Twin Tiers motorists can do to protect themselves. You’ll need your current car insurance policy.

Here’s why: Some people probably think that getting in a limo, there must be at least $1 million in coverage.  Unfortunately, that simply is not true in most cases.  In New York State, owners of stretch limos are not required to have much insurance. A limo that can hold up to 20 people is only required to have a total of $150,000 of coverage to cover everyone in that limo in the event of a fatal crash.

So in the Schoharie crash, the families of the 20 people killed the crash, in some cases with small children, may only be able to recover $7,500 per person from the insurance company assuming the limo company had the state-required minimum coverage.

What the state requires is ridiculously low but the one thing Twin Tiers residents can do to protect themselves and their families is make sure they are protected on THEIR car insurance.

On your insurance policy, there is a section called Supplemental Uninsured and Underinsured Motorist (SUM) coverage.

You should make sure you have at least $250,000 of SUM coverage in your vehicle insurance policy that would come from your own insurance company to protect your family in the event of your injury or death in your vehicle or someone else’s vehicle (for instance, if you were in a limo).

So please check your policy and make sure you have $250,000 in SUM coverage. In the Schoharie crash, SUM coverage would at least offer some additional money to compensate the grieving families and help provide for the children who lost a parent or parents.

Be sure to watch this week’s Law Talk, where I urged WETM viewers to check their insurance policies.

Here is the state law on insurance and more information I have written on SUM coverage here and here.

Thanks for reading,

Jim

Jim Reed
Managing Partner
Best Lawyers’ “2015 & 2017 Lawyer of the Year”
NY & PA Injury & Malpractice Lawyer
Ziff Law Firm, LLP
Office: (607)733-8866
Toll-Free: 800-ZIFFLAW (943-3529)
Blogs: NYInjuryLawBlog.com and
            NYBikeAccidentBlog.com

Warning to Homeowners: Protect Bikers and Obey the Law By Keeping Grass Clippings and Leaves out of the Road

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Most people think distracted drivers and bad roads are the biggest dangers facing motorcyclists and bicyclists.

Those are the most obvious dangers.

What many homeowners don’t realize is that they could be responsible for one of the most overlooked types of dangers to motorcyclists: blowing yard waste like grass clippings and leaves into city streets and rural roads.

Grass clippings are slippery when dry and feel like you’re riding on ice or grease when they get wet.

Leaves are slippery, wet or dry, but they hide other dangers, too, by disguising potholes and other hazards in the road that can shred tires and worse. Large leaf piles raked into streets and roads send bicyclists into the path of cars. The leaf piles also clog the storm drains, leaving more water on streets and roads – another danger.

OLYMPUS DIGITAL CAMERANew York has two different statutes that prohibit the blowing or placing of grass clippings and leaves on roads.  Vehicle and Traffic Law Sec. 1219(b) requires that any person who drops, or permits to be dropped or thrown, upon any highway any material which interferes with the safe use of the highway shall immediately remove the same or cause it to be removed.  Vehicle and Traffic Law Sec. 1220(a) provides that “no person shall throw, dump, deposit or place, or cause to be thrown, dumped, deposited or placed upon any highway, or within the limits of the right of way of such highway, or upon private lands adjacent thereto, any refuse, trash, garbage, rubbish, litter or any nauseous or offensive matter.”

Homeowners, if you blow your grass into the street or road, blow it back onto the curbing or into your yard. It won’t hurt your grass – its actually good for it. If you fail to do so, you are in violation of the statutes listed above and could be sentenced to a fine, community service of both.

Slippery-When-Wet-Sign-X-W8-10aMore importantly, if your yard waste is responsible for a biker losing control and crashing, you will be personally responsible for the biker’s medical expenses, lost wages, and pain and suffering associated with his injuries. These damages could easily reach into the hundreds of thousands of dollars for a serious injury.

No responsible homeowner would ever intentionally place bikers at risk of harm. By following the laws requiring you to keep yard waste out of the street, you’re doing your part to ensure motorcyclists and bicyclists can safely pass your property.

Many landfill operators no longer accept bagged leaves or grass, so mulch or compost your grass and keep your leaf piles out of the street or road for easy pickup by your municipality.

Those are great ways to share the road with motorcyclists and bicyclists.

Thank you for reading,

Adam Gee
[email protected]
(607) 733-8866


When It Comes To Buying Car Insurance, Shop Local, Says NY and PA Personal Injury Lawyer

Police Captain Speaks on Elmira Shooting- Neighbor Reaction_14723095_ver1.0_640_360

This column was originally published in The Odessa File.

It’s not easy to convince people to invest more money in their car insurance.

I often meet people, and represent clients, who are underinsured, and when I advise them to budget more money for car insurance, I am sure that some wonder, “Why does he want the insurance companies to make more money?”

I represent injured people; I’m not a salesman for insurance companies. I don’t want you to give an extra penny to the insurance companies that you don’t have to, but the reality is, most people are underinsured — and being underinsured can be financially devastating. You need to have enough insurance to adequately protect yourself and your family.

But how do you decide what is enough insurance coverage? That’s the tough question, and the answer depends upon your unique circumstances: your income, your assets, the number of dependents, your health insurance coverage, and so on.

R1-1_MOD__34542.1522940971Because there are so many factors at play, my best advice is to consult an experienced, LOCAL insurance agent. Do NOT buy your insurance online or on the phone. Take the time to sit down face-to-face with an agent who can ask you the relevant questions and who can answer your questions. There are many excellent insurance agents in our area, so ask around and see who your friends and neighbors recommend. You are looking for an agent who will take the time to get to know you and your needs.

I know that the last thing anyone wants to do is spend a lot of time shopping for insurance, and it’s very tempting to just buy the cheapest insurance you can find online but the reality is that, no matter what, you are going to be spending a lot of money insuring your vehicle and home, so it’s important that you spend your money wisely to make sure you get the coverage you need. Take the time to do this important job of buying insurance correctly.

And as an absolute baseline for all New Yorkers, I recommend that you have at least $250,000 in Liability and Supplemental Underinsured Motorist (SUM) coverage. When a single helicopter flight to the hospital can cost $38,000 (I kid you not!) and a single day in the ICU more than $20,000, anything less in coverage is simply not enough.

Although I appreciate that my $250,000 recommendation is more than the $25,000 New York minimum, I would point out that this minimum coverage has not been increased in over 30 years while medical costs have skyrocketed. I think it’s ridiculous and financially foolhardy that state legislators in Albany have not increased the minimum limits, but regardless, you have the power to do the smart thing by buying enough coverage to protect you and your family. Better safe than sorry.

So get out your current policy and review your SUM and Liability limits. If you have a question about your car insurance policy, email me at [email protected] I will provide a free evaluation.

Be well and drive safely,

Jim

James Reed
Managing Partner
Best Lawyers’ “2015 & 2017 Lawyer of the Year”
NY & PA Injury & Malpractice Lawyer
Ziff Law Firm, LLP
Office: (607)733-8866
Toll-Free: 800-ZIFFLAW (943-3529)
Blogs: NYInjuryLawBlog.com and
            NYBikeAccidentBlog.com

Pedestrian Collisions In Chemung, Ithaca A Reminder About Walking Safely At Night, Says NY and PA Accident Lawyer

Police Captain Speaks on Elmira Shooting- Neighbor Reaction_14723095_ver1.0_640_360

WETM-TV.

Two Twin Tiers pedestrians were struck by vehicles at night this week, leaving a 15-year-old girl dead in the town of Chemung and seriously injuring a second person in Ithaca.

New York State Police said 15-year-old Xanadu Rumsey was walking along County Route 60 near Tomasso’s golf course and restaurant in the Town of Chemung at about 9:30 Tuesday night when she was struck from behind by a vehicle. She was transported to Robert Packer Hospital in Sayre, where she was pronounced dead.

State Police in Horseheads said the girl was walking in the same direction as traffic when she was struck. The investigation continues and troopers have not released any information about the driver of the vehicle.

reflective-pedestrian-crossing-signs-watch-for-pedestrians-l7534-lgState Police are asking anyone who saw two people walking along County Route 60 at about 9:30 Tuesday night to call State Police at 607-739-8797. They did not say who the second person was with Xanadu.

At 11:30 p.m. Wednesday, a tractor-trailer hit a pedestrian at the intersection of State Route 13 and Willow Avenue in Ithaca.

The pedestrian, who has not been identified, is in stable condition Thursday at an unidentified regional trauma center with serious injuries that are not considered life-threatening, according to the Ithaca Police Department.

Police said the injured pedestrian suffered a severe head injury. The driver of the tractor-trailer was not injured.

Anyone who witnessed the crash is asked to call the Ithaca Police Department at 607-272-9973 or its tip line at 607-330-0000. Email tips can be sent by going here: www.cityofithaca.org/ipdtips.

If you are going to walk at night along a street, road or highway, here are some safety tips to remember:

  1. Always walk facing traffic. Do it because it’s the law, but also so you can see what is approaching and maximize your time to avoid the car if it is potentially endangering you.
  1. Get as far to the right as you can – don’t walk on the fog line. Give cars as much room as possible, not because they don’t have to go around you, but because you want to do everything in your power to avoid a collision.
  1. Wear light-colored clothes and consider wearing something reflective to maximize your chances of being seen. Also consider carrying at flashlight that you can shine so an oncoming driver has a better chance of seeing you.
  1. Recognize that perhaps the most dangerous time for a pedestrian is when two oncoming cars are meeting near your location. The operators of the cars will be focused on each other, and the oncoming headlights will impede the vision of both drivers, making it harder for them to see you. They are likely to move toward, or even onto, their shoulders to give each other as much room as possible.
  1. Walk in well-lit areas. Avoid poorly-lit areas if at all possible.
  1. Obey traffic signals and devices unless a police officer directs otherwise, including pedestrian signals.
  1. Assume drivers do not see you. While you should do whatever you can to increase your visibility, do not walk into a crosswalk assuming that the oncoming vehicle can see you. It’s better to wait to be sure the vehicle stops than to make a wrong assumption.
  1. Do not wear headphones and turn off your phone. Be alert at all times while walking.

Thank you for reading,

Adam Gee
[email protected]
(607) 733-8866