Governor Haslam Tells Brain Injured Tennesseans, and Parents of Special Needs Children, Their Injuries are not Catastrophic

Governor Haslam has proposed that non-economic damages should be capped in injury (tort) cases. In Tennessee juries are trusted to sentence a man to death, but apparently the Governor does not trust a jury, in injury cases, to determine the proper amount of compensation for victims of someone else’s wrongdoing. Did you get that? Governor Haslam is protecting the wrongdoers at the expense of their victims. This law does not apply to corporations, only to people like you and me. Corporations, who can only be injured economically, get every penny a jury finds owed to them, even if it is a lot.

Whether you agree or disagree with that doesn't really matter, as the Tennessee Legislature is controlled by Governor Haslam's party and they can pass whatever legislation they want. Apparently they want to limit the amount of non-economic damages that can be received from someone injured by a wrongdoer. 

So what does this mean? First, let’s talk about the wrongdoers. 

If you intentionally injure someone in the process of committing a crime (that doesn't constitute a felony) you don't have to pay as much. The Governor is going to protect you from a runaway Tennessee Jury!  The Governor is looking out for the rights of Mr. Wrongdoer and the victims' damages are going to be capped. (Lets be fair, the money coming to you as compensation for your actual damages will be limited or capped, there is still a chance to get punitive damages, but these are rarely awarded and, if they are awarded, are taxable. So the only full damages you get in these case are the ones in which the government gets a part.). A sexual abuse victim has personal problems? "Suck it up" says the Governor. The wrongdoer causes your child or spouse to be brain injured so that they can never interact socially with their class or peers? Move on says the Governor, “I need to protect these wrongdoers.” So that is the first part of the reform Governor Haslam feels compelled to pass on behalf of the wrongdoers in the state of Tennessee.

The second part of this tragedy is that the Governor will allow some catastrophically injured  Tennesseans to receive more than others. According to KnoxNews.com The administration late last week released changes to the bill that would create a special category for "catastrophic loss," which would raise the cap for non-economic damages in cases involving serious spinal cord injuries, severe burns or the death of a parent of minor children. Now these few categories excludes all brain injuries, apparently they are not catastrophic. Having to wear a urine drainage bag or diapers to catch your excrement and fluids as a twenty year old, chronic pain, etc... not catastrophic. Unable to ever have children because of someones wrongdoing? Not catastrophic. Does the Governor really believe he is all seeing and all knowing? Shouldn't we let a jury, on a case by case basis, decide this after hearing all the facts? I guess if you don’t trust the people of the state of Tennessee to do the right thing…

Now I have to admit many of my clients are brain injured, and catastrophically so even if they are able to walk and talk. Their lives, as they knew them prior to the wreck, are over. In many cases their personalities have changed and they are not the same spouse or parent they used to be. They get divorced and estranged from their kids. They have to move in with their children and need to be monitored. They essentially died, but their life goes on. 

This bill will impact many of my clients with brain injuries, and they will get less, and their families will get less. I find it arbitrary, and frankly an abuse of power, that the Governor has decided who can be classed as catastrophically injured in advance of knowing all the facts. I believe he should leave it up to a jury of 12 Tennesseans, hearing the facts of a case, to decide the issue.

Then their are the parents of special needs children. If you die it is not a catastrophic loss according to the Governor. Only if the children are minors can you get more, but still not the full amount of your damages. If you have adult special needs children? So sorry, you are out of luck. That is not catastrophic says the Governor. Take care of a parent that now needs to go into a nursing home? Not catastrophic says the Governor. It seems to me that if the legislature allowed catastrophic damages to any Tennessean that dies with a dependent it would be fairer (still limited in recovery, but at least not pitting one group against another and saying you don't deserve as much as others with dependents.).

Finally, no one, not even the judge, can tell members of the jury this travesty is happening. After the jury renders a fair verdict, the judge is required to cut it down and make it unfair to the victim. Note that if the original verdict was against the evidence, and unfair to the defendant, the law already requires the verdict to be reduced. This new law only impacts victims.

A copy of the Governor's shameful bill may be found here. You don’t think this is fair? Call your state representatives now (you can find your representatives here), but don’t expect them to change their minds, because you are just the sort of whacked out Tennessee citizen that might one day be on a jury... and the Governor doesn't trust you.

The Governor's proposed law, relevant sections in bold:

29-39-102.

(a) In any personal injury or wrongful death action, the prevailing

plaintiff may be awarded:

(1) Compensation for economic damages suffered by the

injured plaintiff; and

(2) Compensation for any noneconomic damages suffered

by each injured plaintiff not to exceed seven hundred fifty

thousand dollars ($750,000).

(b) If multiple defendants are found liable under the principle of

comparative fault, the amount of all noneconomic damages, not to

exceed seven hundred fifty thousand dollars ($750,000) for each injured

plaintiff, shall be apportioned among the defendants based upon the

percentage of fault for each defendant, so long as the plaintiff's

comparative fault is not equal to or greater than fifty percent (50%).

(c) All noneconomic damages awarded to each injured plaintiff,

including damages for pain and suffering, as well as any claims of a

spouse or children for loss of consortium or any derivative claim for

noneconomic damages, shall not exceed in the aggregate a total of seven

hundred fifty thousand dollars ($750,000).

(d) If an injury or loss is catastrophic in nature, as defined below,

the seven hundred fifty thousand dollar ($750,000) amount for

noneconomic damages, as set forth in subsections (a)(2) through (c) may

be increased to, but shall not exceed, one million two hundred fifty

thousand dollars ($1,250,000).

(e) "Catastrophic loss or injury" means one or more of the

following:

(1) Spinal cord injury resulting in paraplegia, hemiplegia or

quadriplegia;

(2) Amputation of two hands, two feet or one of each;

(3) Second or third degree burns over forty percent (40%)

or more of the body as a whole or third degree bums up to forty

percent (40%) percent or more of the face; or

(4) Death of a parent who is survived by one or more

minor children.

(f) The limitation on the amount of noneconomic damages

imposed by subsections (a)(2) through (e) shall not apply to actions

brought for damages or an injury resulting from an act or omission by a

defendant:

(1) If the defendant committed an act or omission that

would constitute a felony under the laws of this state or under

federal law and that act or omission caused the damages or

injuries; or

(2) If the defendant was under the influence of alcohol or

under the influence of drugs other than lawfully prescribed drugs

            administered in accordance with a prescription.

Why You Need a Lawyer if Dealing with Allstate: Allstate Agrees To $10 Million Regulatory Settlement for Colossus Use - The Bodily Injury Claims Handling Software Used Against Accident Victims

In my experience lawyers are  needed to handle injury claims for accident victims that involve $5,000 or more in medical bills. Part of the problem is computer systems that use "One Size Fits All" solutions for individual cases. Generally these systems work to lower the recovery paid to the victims of wrecks, which, of course, is why they are used by insurance companies. Allstate uses, and uses improperly in many instances as shown below, such a system called Colossus.

Here is what the news release from the State of New York's Insurance Superintendent said: 

Allstate has agreed to pay New York $1.2 million as part of a $10 million regulatory settlement over Allstate's claim handling software, New York State Insurance Superintendent James J. Wrynn announced today. The agreement follows an 18-month targeted National Association of Insurance Commissioners(NAIC) multi-state market conduct examination of Allstate's claims handling practices.

"Allstate has agreed to implement procedures to ensure transparency and fairness for consumers who have bodily injury claims," Wrynn said. "The new processes ensure that claims will be handled consistently in different regions of the country, and consumers will have the right to get the information they need in order to understand how Allstate evaluates their claims and make sure they are fairly treated."

The NAIC examination, for which New York was one of the lead states, focused primarily on Allstate's use of claims handling software, particularly the software program, Colossus.

Colossus is a software program Allstate used to guide its settlement offers for bodily injury claims after automobile accidents. The examination found inconsistencies in Allstate's management and oversight of the Colossus software program. In particular, the examination found that Allstate had failed to modify or "tune" the software in a uniform and consistent manner across its claims handling regions.

Under the settlement agreement, Allstate agreed to make a number of changes to its claims handling process, including:

Providing notice to claimants that the Colossus software program may be used in the adjustment of their bodily injury claims; Enhancing its management oversight of Colossus to ensure that it adheres to established criteria and a uniform methodology in selecting claims to be used to "tune" or modify the software to reflect recently settled claims; Strengthening its internal auditing of Colossus and bodily injury claims handling to ensure adherence to written guidelines and procedures; Consolidating its bodily injury claims handling practices into a single claims handling manual; and Not establishing a policy or rule requiring claims adjusters to settle bodily injury claims solely on the value recommended by Colossus and not providing incentives for claims adjusters to settle claims at or near the value recommended by Colossus.

"It is important to note that we found no systemic underpayment of bodily injury claims,"

Wrynn said. "While the issues addressed were serious, Allstate cooperated fully with our examination and is working to correct these deficiencies. Here in New York, we will continue to review the use of claims handling software by property/casualty companies.

"This settlement shows how state insurance regulators work together to protect consumers,"Wrynn said. "The four lead states - Florida, Illinois, Iowa and New York - worked

cooperatively to conduct this examination and will keep working with the other 41 states that have signed on to this agreement to ensure it is fully implemented and consumers are properly protected."

Allstate's payment will be used to establish a regulatory fund. The fund will be used by the 45 signatory states, to the extent consistent with applicable state laws, to develop and train examiners to review and monitor the property/casualty industry's use of software technology in adjusting claims.

New York State Insurance Department

NEWS RELEASE

Contact:

Public Affairs

(212) 480-5262

www.ins.state.ny.us

James J. Wrynn Superintendent of Insurance 25 Beaver Street New York, N.Y. 10004

ISSUED 10/18/2010 FOR IMMEDIATE RELEASE

Advanced Trucking Litigation College - October 2009 - American Association for Justice

Some of the best trucking lawyers in the country recently got together in Atlanta and spent a week teaching other lawyers the tricks and traps of handling a truck, bus or other commercial motor vehicle case. I have not been posting for the last month as my time has been consumed by getting this program together. Robert Collins, from Texas, was the co-moderator and as much time as I put into this program, he put in more. All the TEACHERS were pleased with how much they learned, the students were ecstatic!

The AAJ Advanced Trucking Litigation College is exactly the type of program you want a lawyer handling your trucking case to attend. Hiring a competent lawyer to handle your case is the most critical thing you can do to get a good result in your case. The facts won't change, but gathering those facts, and making sure they are presented to a judge or jury, is critical. Not everyone knows which rocks to look under at a trucking company headquarters.

Before you hire a lawyer for any type of case make sure they are educated on the subject and not a "one size fits all" lawyer. If you have a good case you can hire the best lawyer, from in state or out of state, to handle it and it won't cost you any more money. If the lawyer you want to hire can't take your case he or she can frequently get you to someone in your area that focus' on the specific area involved in your case.

My firm has referral lawyers for trucking cases in every state. In addition to the cases I have handled in Tennessee and Georgia, I recently resolved a case in Nebraska and just finished consulting in trucking cases in California and New York city. If my firm can't get involved in a case (we don't take every case), we always try to get the case to a lawyer with trucking experience in the appropriate state.

The Truck Accident Lawyers at the Law Offices of Morgan Adams concentrate in protecting the rights of those who were seriously injured or lost a loved one in an accident with a commercial truck or bus. Our lawyers are based in Tennessee, but serve clients throughout the nation. If you or someone you love has been seriously hurt by a careless driver, don’t sign anything the trucking company gives you -- contact us as soon as possible at 800-580-4878 or by email to learn more at a free, confidential consultation.

 Morgan Adams is a trial attorney licensed in Tennessee and Georgia. He is listed as a "Mid-South SuperLawyer" (Limited to the top 5% of the lawyers in Tennessee, Mississippi, and Arkansas), is a member of the Million Dollar Advocates Forum (limited to lawyers who have recovered 1 million dollars or more for their clients), and is the Chair of the American Association of Justice's Interstate Trucking Litigation Group. He has served as chair of the Tennessee Association of Justice's Trucking Litigation seminars since 2004, and is a frequent speaker at national legal education programs, training lawyers to properly handle injury cases involving commercial vehicles.