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


Police Investigate After Pedestrian Struck By Vehicle In Town Of Chemung, Says NY and PA Accident Lawyer

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A pedestrian was struck by a vehicle Tuesday evening in the town of Chemung, and the New York State Police are investigating, according to Twin Tiers news reports.

Emergency responders were called to county Route 60 near Tomasso’s at about 9:30 p.m. Tuesday for reports of an injured pedestrian. Tomasso’s is a restaurant and golf course.

According to one news report, the person struck by the vehicle received CPR on the scene. It was not clear if the pedestrian was transported to a hospital.

State police declined to release any other information at midday Wednesday.

We will update this post as more information becomes available.  Our thoughts are with the pedestrian, and we hope to hear good news concerning his or her condition soon.

UPDATE – local media is now reporting that the collision occurred at approximately 9:15 PM on July 17, 2018.  It is also reported that the pedestrian involved in this collision is a 15 year old girl who was walking home with her father, and that emergency crews were performing CPR on the girl at the scene.  More information is expected to be released later today.

UPDATE #2 – We are very sad to report that pedestrian has died.  15 year old Xanadu Rumsey was pronounced dead at the Robert Packer Hospital after being struck from behind by a vehicle.  It is reported that this was a hit and run collision, and the police continue to investigate and search for the driver involved.  If you have any information concerning this collision, please contact the NY State Police at 607-739-8797.

Thank you for reading,

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

 

 

 


Elmira Seeks Safer Streets With New Transportation Plan

Elmira City Hall.

Elmira City Hall.

Our streets could soon be getting safer in the city of Elmira and Chemung County.

That’s because the city of Elmira and town of Southport are among the communities that have taken positive steps forward recently in adopting Complete Streets policies and designs in hopes of making our streets safer for bicyclists, motorcyclists, and pedestrians as well as improving traffic flow.

Nicolette Wagoner.

Nicolette Wagoner.

Elmira City Council voted unanimously recently to adopt the program, which is in compliance with state law and the state Department of Transportation guidelines. According to a 2011 state law, state, county, and local agencies must consider all users’ convenience and mobility, not just the needs of motorists, when planning transportation projects that receive state and federal money. The Southport Town Board had previously approved it.

Chemung County Planning Commissioner Nicolette Wagoner and county Public Works Commissioner Andy Avery, who wrote the proposal that was approved by Elmira council members, showed real vision for a safer future for all people in drafting and supporting this policy.

Andy Avery.

Andy Avery.

Complete Streets, adopted as law in New York State, targets the improvement of transportation options in all communities for residents of all ages and abilities. That means all street construction and reconstruction projects need to be accessible to people with disabilities and safe for everyone, regardless of the method of transportation.

Complete Streets is the work of Smart Growth America, founded in 2000, to help communities plan smarter and safer development and today is a leading advocate for federal programs that support neighborhood development.

According to Smart Growth America, Complete Streets:

  • Improves safety while incomplete streets put people at risk.
  • Promotes good health while incomplete streets restrict physical activity.
  • Makes for a good ride on mass transit while incomplete streets are a barrier for riders and good service.
  • Improves mobility for older Americans while incomplete streets are a problem for older Americans.
  • Helps people with disabilities while incomplete streets impede livability.
  • Stimulates the local economy by steering people to mass transit, which pays a “green dividend,” allowing residents to spend their money in other ways in the community. This happens in cities of all sizes.
  • Is equitable streets for everyone, regardless of age, ability, ethnicity, income or travel mode, while incomplete streets are dangerous, especially in low-income communities that are disproportionatey affected by unsafe streets. In counties where more than 20 percent of households have incomes below the federal poverty line, the pedestrian fatality rate is 80 percent higher than the national average, the report says.
  • Helps keep kids save while incomplete streets are a barrier for children: fewer children riding bikes to school and increased childhood obesity rates are among the outcomes.
  • Fights climate change instead of incomplete streets hampering climate change strategies. We need more people walking, riding bikes, and taking mass transit to work and fewer motorists driving their own cars as carbon emissions continue to soar.

Wagoner, the county planning commissioner, told the Star-Gazette that the program isn’t a mandate but it encourages communities to look at all users when planning street projects.

“This shows Elmira cares about all modes of transportation, making roads safe for vehicles, pedestrians, and bicyclists,” she said. “It’s not a requirement but it’s a nice thing to do, and it helps us when we fill out applications for grant funding. For the federal aid we receive, DOT requires you do Complete Streets.”

In the past, Wagoner said, cities were designed with wider streets to favor automobiles. “We have to fix the mistakes that were made 40 years ago. We’re talking about making crossing distances shorter, talking about where to put crosswalks. I think adding on-street parking will show traffic down.”

She pointed to East Water Street, from Madison Avenue east to the Interstate 86 exit ramp, as an example of a street with little or no on-street parking. Because of the wider street and few if any parked cars, motorists tend to go faster. More parkers will slow drivers.

Many streetscape improvements, including work toward reopening the Lake Street Bridge for pedestrians only, are in the planning stages for 2019 and 2020 in Elmira, she said.

“We want to see pedestrian and bicycle accidents go to zero,” she told the Star-Gazette. “Elmira is flat. It should be very walkable.”

Thanks for reading,

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

 


Legal News You Can Use: Check Out Ziff Law’s New Summer 2018 Newsletter

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Adam Gee, Christina Sonsire, Jim Reed, and Mike Brown.

 

The Ziff Law Firm debuts its new – and redesigned – free newsletter this week as the Summer 2018 issue arrives in mailboxes and inboxes around the Twin Tiers. It is filled with legal news that you can use – and much more.

Our cover story explains how our popular Veteran of the Game program came home to Elmira this summer.

Then we get to the legal news:

Our lawyers write about some of the key issues they encounter in their practices as they tackle these questions:

  • Do bicyclists in New York State have to operate by the same laws as vehicles? Ziff Law managing partner and noted bicycle law expert Jim Reed educates readers.
  • Is motorcycle insurance the same as car insurance? Partner Adam Gee, a longtime motorcyclist and motorcycle law expert, has some surprising answers.
  • Why does Ziff Law partner Christina Sonsire teach for a statewide legal education organization?
  • How does Ziff Law attorney Mike Brown’s family play a role in his legal practice?

And just for fun, we profile a downtown Elmira shop, a hidden gem that is in the “upcycling” business, in our Business Spotlight.

The owner of Nutmeg Upcycling, longtime downtown business owner Rich LaVere, talked to us about his growing business and why he keeps returning downtown.

We published a short interview in the print newsletter and there is a bonus longer interview with Rich here, where he talks about the challenges facing downtown and how the city can start turning things around. He’s an optimist!

At Ziff Law, we are committed to being environmentally responsible, so if you’d like to receive our free newsletter by email, send an email to us today at [email protected] and we will send you a PDF right away – and as a bonus, add your name for an upcoming drawing for a $50 gift card to Lib’s Supper Club in Elmira.

If you’d like to receive the newsletter by mail, call (607-733-8866) or email ([email protected]) us with your name and address and we’ll send it right out.

Happy reading!

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

How To Stay Safe When Boating This Summer, Says NY and PA Personal Injury Lawyer

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As our summer heats up, more people are heading for their nearest river or lake for some water recreation to keep cool and spend time with family and friends. There will be food and drink, including some alcohol … and we hope some life jackets.

From paddleboards to motor boats, getting out on your favorite body of water for some fun is a great way to beat the summer heat, but only if you are prepared and sober and drug-free.

The New York State Office of Parks, Recreation and Historic Preservation reports there were 15 fatal boating-related accidents in Upstate New York in 2017. The 15 deaths in 2017 included two in  Twin Tiers lakes, according to news reports:

  • A kayaker was killed April 17 when the kayak he was operating capsized on Almond Lake in Steuben County. He was not wearing a life jacket.
  • A motorboat passenger was killed Aug. 10 when he was ejected from his seat and run over by a boat on Waneta Lake in Schuyler County. He had marijuana in his system and was not wearing a life jacket.

The other deaths involved capsized canoes, a pedal boat accident, a paddleboard fall, swimming off a motor boat, a capsized rowboat, and a cabin swamped by a wave and sunk in rough waters.

In many cases, there were not life jackets or any personal flotation devices. Alcohol and drug use were reported in some cases.

According to national recreational boating statistics from the U.S. Coast Guard, in 2017, there were about 4,291 accidents that involved 658 deaths, 2,629 injuries and about $46 million in property damage as a result of crashes.

The fatality rate of 5.5 deaths per 100,000 registered recreational vessels was a 6.8 percent decrease from the 2016 fatality rate of 5.9 deaths per 100,000.

The number of accidents decreased 3.9 percent from 2016 to 2017. In addition, the number of deaths decreased 6.1 percent and the number of injuries fell 9.4 percent.

Let’s keep decreasing those numbers. Remember your life jackets and don’t use drugs or alcohol before or during boating.

Remember: If you are the operator of a boat you should ensure that your passengers are wearing life jackets (when required or appropriate for the conditions) and are not dangerously intoxicated or impaired.  If you feel that it’s unsafe for your passengers to be out on the water, you should do the right thing and get to shore.  Never forget:  YOU are the captain of the ship.

Here is why: 76 percent of fatal boating accident victims drowned, and of those drowning victims with reported life jacket use, 84.5 percent were not wearing a life jacket.

Finally, alcohol use is the leading known contributing factor in fatal boating accidents, according to the report.

Boating safety courses are not required under state law for anyone born before 1996, but with summer upon us, I would encourage everyone to take boating education seriously and consider taking the course.

Important information from the New York State Boaters Guide:

Motor Boat Education Requirements:

  • Operators born on or after May 1, 1996, must have a boating safety certificate and be at least 10 years of age.
  • Operators who are younger than 18 years of age must be accompanied by a person who is at least 18 years of age or older and is the holder of a boating safety certificate or not required by law to hold a certificate.
  • The operator is the owner of a recently purchased motor boat, if required by law to hold a boating safety certificate may operate the vessel without the required certificate for up to 120 days from date of purchase.
  • Persons 18 years of age or older may rent a motor boat without a boating safety certificate provided that the operator of the livery holds a certificate, demonstrates the use of the vessel and safety equipment, and the person renting demonstrates their understanding of the vessels operation and safety equipment. Those under the age of 18 must have a boating safety certificate in order to rent a vessel.

Motor Boat Operators Exempted From Having To Hold A Boating Safety Certificate:

  • Persons born before May 1, 1996.
  • Certified New York Safe boating instructors.
  • Members of the USCG Auxiliary or US Power Squadron.
  • Persons licensed by NYS Parks, the United States Coast Guard or Canadian Coast Guard to operate commercial vessels.
  • Police officers, peace officers, fire and rescue personnel, and life guards when acting pursuant to assigned duties
  • A resident of another state or country who is the holder of a valid boating safety certificate issued according to the laws of their home state or country

Before you hit the water, remember to keep safety in mind!

Thanks for reading,

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

Guest Blog Post: Preventing Dog Bites by Recognizing Their Warning Signs

Richard Cross is the guest blogger and the founder of TheDogClinic.com.

Richard Cross, the guest blogger, is the founder of TheDogClinic.com.

Richard Cross, our guest blogger, is the founder of TheDogClinic.com, which was founded in 2008 to help dog owners learn more about dog behavior, training, health, and more.

His advice here about recognizing dogs’ body language and their warning signs will help Twin Tiers residents recognize the different signs of behavior so they can remain safe.

I have represented many dog-bite and dog-attack victims and I can tell you that dog attack cases are difficult for everyone involved– the victim of the attack, the family of the victim and the dog owner.  

It is always the dog owner’s responsibility and legal obligation to prevent a dog attack but the advice below is good advice for everyone to keep in mind when in the presence of dogs.

Richard’s blog post:

Dog bites are more common in the United States than many people realize.

A CDC study found that from 2001 to 2003, there were an estimated 4.5 million bite victims each year. While many of these were minor bites, almost 20 percent of the victims required some medical attention.

For this reason, it’s important for both owners and members of the public to understand basic dog body language. This can reduce the chance of bites, which often have tragic consequences for both the animal and victim.

Common Canine Warning Signs

Most people know when a dog is showing signs of aggression. Raised hackles, bared teeth, and growling are easy to recognize as signals a dog doesn’t want to be approached. Common signs of submission, such as rolling over or crawling, are also easy to spot.

These are the most extreme examples of body language, though. Dogs have a variety of other ways to communicate discomfort or anxiety, such as:

  • Giving “Whale Eye” by holding eye contact, turning the face away, and exposing the eye whites.
  • Licking their lips when there is no food around.
  • Turning away from the person or trying to walk away.
  • Yawning while turning away.
  • Shaking off without being wet.

Dogs showing these signals aren’t likely to attack unless provoked, but may bite if they feel trapped. Unfortunately, many people miss the signals and continue to approach.

It’s also vital to understand that a wagging tail doesn’t always mean a happy dog. Dogs can wag their tails when defensive, submissive or aggressive.

How to Approach a Dog

The most important rule is to never approach a strange dog without permission from the owner. Dogs of any size and breed can bite, so you can’t judge temperament based on appearance alone.

The owner will know how their dog usually reacts to strangers and whether it’s safe to interact.

Once given permission, many people get into the dog’s “space” and immediately start stroking the dog on the head. This is the wrong way to greet a dog and a common cause of bites.

When you first approach a dog, hold out your fist and allow the dog to sniff it. This protects the fingers from a bite, while giving the dog a chance to signal whether he’s happy to interact.

A dog that’s happy to be stroked will continue looking at the fist or give it a lick. At this stage, it’s probably safe to stroke the dog on the neck or shoulders, but avoid reaching over the head. If the dog looks away from the fist or tries to walk away, this means he doesn’t want to interact and you should leave the dog alone.

Also: Never try to stroke a dog that’s alone in a public place, such as tied up outside a store or in a park. Just because the owner has left the dog in an accessible place doesn’t mean it is safe to approach.

More information about preventing dog bites is available here.

 

Thanks for reading,

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

 

 


Ziff Law Has Free Tickets For Veterans For Wounded Warrior Amputee Softball Team’s Game In July At Dunn Field

The Wounded Warrior Amputee Softball Team last played at Dunn Field in July 2016.

The Wounded Warrior Amputee Softball Team last played at Dunn Field in July 2016.

Elmira’s Dunn Field will welcome back military heroes on July 20 and 21.

Players on the Wounded Warrior Amputee Softball Team will visit the Twin Tiers to meet with their fellow veterans and attend an Elmira Pioneers game on July 20, and then play a charity softball game against the Pioneers on July 21.

downloadThe Ziff Law Firm, a proud sponsor of the charity game, has free tickets for Twin Tiers veterans, who can stop at the law firm, at 303 William St. in downtown Elmira, from 8 a.m. to 5 p.m. weekdays to pick up tickets and enter a drawing for one of two $50 Visa gift cards.

The drawing for the two $50 Visa gift cards will be at 10 a.m. on July 20 and the winners will be announced on the Ziff Law Facebook page that day.

The Wounded Warrior Amputee Softball Team, comprised of veterans who have had amputations, will arrive in the area on July 20 and meet with veterans at the Bath VA Medical Center before being introduced that evening during the Pioneers’ game against the Geneva Red Wings at 7:05 p.m.

Pioneers logoThe Wounded Warrior Amputee Softball Team will be our Ziff Law Firm Veterans of the Game that night. The team last visited Dunn Field in 2016.

The Ziff Law Firm has a long history of putting our veterans and active-duty military personnel in the spotlight in our community as sponsors of the Veteran of the Game program, and we hope our veterans and their families take this opportunity to show their support for the Wounded Warrior Amputee Softball Team.

“I attended the team’s game at Dunn Field and it was deeply moving,” said Veteran of the Game program coordinator Annette Viselli Thorne of the Ziff Law Firm. “The players are courageous and great ambassadors for the strength and grace of American veterans. It was an honor to meet many of them.”

The mission of the Wounded Warrior Amputee Softball Team is to inspire and educate people while enhancing the health of the players. To learn more about the team, and how to donate to its mission, go to http://woundedwarrioramputeesoftballteam.org.

The Ziff Law Firm is also honoring veterans and active-duty military personnel home on leave this summer during all of the Elmira Pioneers home games as part of the law firm’s popular Veteran of the Game program. The honored veterans and their families and friends are seated in a box seat along the first baseline, courtesy of eight free tickets from the Ziff Law Firm. At some point during the game, the public-address announcer introduces the honored veteran and reads a short biography of their military service, then fans cheer for the veteran, who waves to the crowd from the box seats.

The program also salutes veterans in the fall and winter months at Binghamton Devils hockey games at the Broome County Arena. The program started with the Elmira Jackals at First Arena and continued for eight seasons before the team was disbanded at the end of the 2016-2017 season.

If you have any questions about the charity game or the tickets, or wish to nominate a veteran or active-duty service member for the Veteran of the Game program, email Annette Viselli Thorne at [email protected] or call her at 607-733-8866.

Thanks for reading,

Jim Reed

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

 


How To Avoid No-Fault Nightmares: Review Your Car Insurance Today

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Karen Wheadon, a paralegal who works with Ziff Law Managing Partner Jim Reed, has written the following blog post about no-fault insurance coverage.

Many of our clients are victims of car crashes, and therefore, subject to the rules and regulations of no-fault insurance. Unfortunately, many of our clients struggle financially because they have inadequate no-fault coverage.

Karen Wheadon.

Karen Wheadon.

Briefly, state-required minimum no-fault insurance consists of $50,000 in coverage for the following:

  1. All necessary doctor and hospital bills and other health service expenses, payable in accordance with fee schedules established or adopted by the New York State Insurance Department.
  2. Eighty percent of lost earnings up to a maximum monthly payment of $2,000 for up to three years following the date of the crash.
  3. Up to $25 a day for a period of one year from the date of the accident for other reasonable and necessary expenses the injured person may have incurred because of an injury resulting from the accident, such as the cost of hiring a housekeeper or necessary transportation expenses to and from a health-service provider.
  4. A$2,000 death benefit, payable to the estate of a covered person, in addition to the $50,000 coverage for economic loss described above.

When shopping for car insurance, many people don’t think to invest in anything other than that basic coverage. However, additional coverage can be purchased … and can make a huge difference to someone’s life and financial stability. When we consider the growing costs of health care, $50,000 does not last long.

Here are some examples of crash victims and their no-fault insurance coverage,

Mike

Mike, like many of our clients, receives Medicare benefits. He had a serious car crash and exhausted his basic no-fault coverage. His medical bills were then submitted to Medicare for coverage and he was personally responsible for co-pays. On top of that, under federal law, Medicare (and Medicaid) are allowed to assert a lien against any third-party recovery.

What that means for Mike is that the personal injury claim/lawsuit we filed against the person responsible for causing the crash and Mike’s injuries now has a lien against it. At the time of the settlement, Mike has to pay Medicare back from his settlement. Had Mike had additional no-fault coverage, he could have avoided his bills going to Medicare and kept more of his settlement for himself.

Michelle

Michelle, injured in a car crash in 2016, had basic no-fault coverage that was paying her medical bills and was also reimbursing her for lost wages because she is unable to work. Like so many of our clients, Michelle relied on her monthly wage loss checks to pay for her basic necessities (mortgage, groceries, etc.).

Michele’s no-fault benefits were exhausted in May, leaving her with NO income at all. She has an application pending with Social Security Disability, but applicants often wait a year to hear if they are accepted or denied. If denied, the appeal process is even longer.

On top of that, Michelle’s private health insurance is through the Affordable Care Act. She has catastrophic coverage only with a $6,000 deductible. The neck surgery that was being scheduled is now on hold because she cannot afford to pay a $6,000 deductible without any income.

Obviously, Michelle would have benefited greatly from additional no-fault coverage. Her story is a great argument for universal health care because her health insurance plan is abysmal. She is a hard-working, taxpaying citizen who found herself with a disability and unable to work after a car crash. She should not have to put off medical treatment because she can’t afford her co-pay.

Opponents of universal health care argue that they don’t want the government making their medical decisions, but insurance companies already do that all the time. They arbitrarily decide a patient only needs 10 physical therapy sessions, or that they can’t have a drug prescribed by their doctor because it is too costly, or that surgery is not necessary because they have not exhausted conservative treatment options. Insurance companies base these decisions on money – their money that they would rather not pay out!

Justin

My stepson, Justin, was involved in a near-fatal car crash in 2015. He was taken from the scene of the crash by ambulance to Arnot Ogden Medical Center in Elmira, and then quickly transferred to Robert Packer Hospital in Sayre, Pa. From there, he was life-flighted to Geisinger Medical Center in Danville, Pa., where he was admitted for more than a month and underwent numerous surgeries to repair his fractured neck and re-attach a shoulder and arm.

There are a lot of miracles associated with Justin’s crash – too many to recount here. The fact that he is alive and well and now a father of two beautiful little children is sometimes more than I can believe. We are very, very blessed. But as you can imagine, the medical bills were astounding. The life-flight bill alone was $54,999, which was paid in full by his primary no-fault coverage.

Luckily, in addition to the basic no-fault coverage of $50,000, Justin had $10,000 of med-pay, $25,000 of OBEL (Optional Basic Economic Loss), and $150,000 of APIP (Additional Personal Injury Protection). He had such incredible coverage because he was the passenger of a vehicle that had more than basic coverage and he was also covered under his own policy which had even better coverage. This is far from the norm.

But even all of that coverage was very quickly exhausted, leaving a balance due to Geisinger Medical Center in excess of $1 million. This was turned over to his health insurance.

Justin was 23 years old at the time of his crash, but thankfully he was still covered by his father’s health insurance plan as a result of the Affordable Care Act, which extended medical coverage for children up to age 26. Donations from friends and family through a gofundme campaign covered the deductible, so Justin did not have to file bankruptcy because of insurmountable medical debt, as so many Americans do.

Justin’s example shows that even incredible no-fault coverage cannot adequately cover you from a catastrophic injury. But catastrophic injuries are, thankfully, rare.

The vast majority of our clients are like Michelle and Mike. They have broken bones that may or may not need surgery. Most of our clients seek medical treatment locally and don’t have multiple ambulance and life-flight bills. However, even routine injuries that require fairly routine medical treatment will quickly exhaust a basic no-fault policy.

So make the wise choice and protect yourself by asking your insurance agent about increasing your no-fault coverage. Had Michele or Mike had Justin’s maximum no-fault coverage, they would not be facing hard financial and medical decisions. We hope you won’t have to, either.

Therefore, we recommend adding Additional Personal Injury Protection (APIP) of at least $75,000 and Supplementary Underinsured (SUM) Coverage of at least $250,000. The good news is that adding this additional protection does not cost much more but will give you much better protection.

If you have questions, or would like us to review your insurance policy for free, please email me at [email protected] or Jim Reed at [email protected].

Thank you for reading,

Karen Wheadon
Paralegal
Ziff Law Firm
[email protected]


Remembering Ned Marrow: Ziff Law Paralegal Salutes An Unforgettable Veteran

Ned Marrow photo

Annette Viselli Thorne, a paralegal who works with Ziff Law Partner Adam Gee, has written the following blog post. She also coordinates the law firm’s Veteran of the Game program.

The Ziff Law Firm is mourning the passing of 95-year-old Ned Marrow of Big Flats, a decorated World War II veteran who died recently. Ned was a friend of the law firm who was honored many times by our Veteran of the Game program in the years it was held during Elmira Jackals hockey games at First Arena.

Annette Viselli Thorne.

Annette Viselli Thorne.

Ned, a Navy veteran, survived a torpedo attack aboard the USS Barr in 1944 in the North Atlantic that killed almost 20 of his brave shipmates. He was very proud to have served his country and brought a photo of the USS Barr to Jackals games and could tell, in perfect detail, what happened on that terrible day in 1944.

At one of the games in which he was honored, people lined up to meet him, shake his hand, and thank him for his service. He loved meeting new people, so he cherished that day.

Ned was one of the sweetest, kindest people I have ever met. I met him as a Veteran of the Game, but we became friends and I made a point to visit with him several times a year.

Born in 1923 in Galeton, Pa, Ned worked in railroads for 40 years, including time with New York Central, Penn Central, and finally retired as an engineer with Conrail. He was also a volunteer conductor aboard the Tioga Central Railroad, which named a passenger car for him in 2008 to honor his dedication as a volunteer.

On Veterans Day in 2015, Ned and his son-in-law enjoyed an Honor Flight to Washington, D.C., to see the World War II Memorial. He was active in Navy reunions and stayed in contact with his USS Barr shipmates.

I want to thank Christine and Myron Frost, also of Big Flats, Ned’s daughter and son-in-law, who brought Ned to First Arena. Thank you, Christine, for sharing your father with me.

I will miss the sparkle in Ned’s eyes that I saw every time we were together. He touched my heart deeply. May he rest in peace, reunited with his beloved wife, Evelyn, who died in 2006.

Annette Viselli Thorne
ZiffLaw Paralegal
[email protected]


Steuben County Magistrates’ Association Honors Retired Special Counsel

annette pic

From left, Hon. Betsey Farley, Steuben County Magistrates’ Association secretary; Hon. Annette Viselli Thorne, Steuben County Magistrates’ Association vice-president; Hon. Christie Brothers, Steuben County Magistrates’ Association treasurer; Maryclaire Donovan Frank; Hon. David Domm, Steuben County Magistrates’ Association president; Hon. David Gideon, New York State Magistrates’ Association president.

The Steuben County Magistrates’ Association honored recently retired 7th Judicial District Special Counsel Maryclaire Donovan Frank during its monthly meeting on May 11 at the Bath American Legion.

Maryclaire was instrumental in molding many judges throughout Steuben County, providing town and village justices with personal care, support, education, and instruction that went above and beyond the call of duty.

Maryclaire was town justice in the Town of Erwin for 17 years and was in private practice until 11 years ago, when she retired and was appointed by the New York State Office of Court Administration to the position of special counsel.

Maryclaire supervised town and village justices in the following counties in the 7th Judicial District: Steuben, Yates, Wayne, Cayuga, Livingston, Monroe, Ontario, and Seneca.

Maryclaire is the daughter of retired State Supreme Court justice W. Denis Donovan.

The Ziff Law Firm salutes Maryclaire and wishes her well in her retirement!

Thanks for reading,

Jim Reed

Best Lawyers’ “2015 & 2017 Lawyer of the Year”
NY & PA Injury & Malpractice Lawyer
Ziff Law Firm, LLP
Email: [email protected]
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