The drug Ranitidine was introduced in 1981 under the brand name “Zantac” and soon became the world’s top-selling prescription drug.  The effect of Ranitidine was to decrease stomach acid production and it was commonly prescribed to treat heartburn, GERD, and peptic ulcers.

Unfortunately, some ranitidine medicines contained an impurity that has been classified as a human carcinogen at low levels.  Throughout the end of 2019 and into 2020, several studies have been conducted by public health agencies including the FDA and there have been multiple recalls of medications containing ranitidine and national retailers have pulled the medications from the shelves.

In light of this newly developing information, lawsuits have been filed across America to find out what manufacturers knew about the dangers caused by their products and when they knew it.  Depending on how the investigative and litigation process progresses, ranitidine users who subsequently developed cancer, particularly cancers of the bladder or stomach, may be entitled to compensation for their damages.

At the time of writing this blog (June 24, 2020), there are currently 245 Zantac cases filed in a Multi-District Litigation (MDL), which is somewhat similar to what’s commonly known as a class action lawsuit.

MDLs carry with them a certain level of complexity and organization that can be overwhelming.  If you have any questions about the ranitidine/Zantac MDL or any other multi district litigation, feel free to CONTACT US

Part II – Getting Medical Care:  Being your own Advocate

In our second edition of “The Anatomy of a Case” series, we’re going to talk about the most important thing after an injury……getting better.  And that has nothing to do with your case, you just want to get yourself back to normal, or as close to normal as the doctors can make you.

But getting medical care is also critical to a personal injury claim.  Here’s why:

  1. To fully understand your case value:  Most people have never gone through a personal injury claim before.  And they often ask what we think their case is worth.  The honest answer, particularly early on, is that we often don’t have the first clue.  It’s impossible to evaluate the full value of a claim without knowing the full extent of the injury and the extent to which the client recovers.
  2. To not sell yourself short:  Building off of the last point, as a general rule, we don’t want clients to settle their case until they reach a level maximum medical improvement.  Why?  Let’s say you’ve been in a moderate crash and you’re having neck pain.  You had an ER visit, the doctors prescribed muscle relaxers, and now you’re going through a round of physical therapy.  Then the insurance adjuster called and offered you $15,000.  A lot of people might take that assuming that they’re going to heal up well and everything will be fine soon.  That’s where an attorney will tell you to tap the brakes and wait and see.  We’ve had clients in this exact position who did NOT get better as expected, kept treating with little effect, and ended up with cervical fusion surgery.  That is indicative of a major injury worth way more than the first offer.  Unfortunately, the person who took that original offer assuming they’d get better, is left with next to no compensation compared with what they’ll live with their entire lives.

So how do you go about being your own advocate when it comes to getting medical care for your injuries?

  1. Seek treatment: Insurance companies (and litigation in general) are paper-trail driven businesses.  If you don’t go to the doctor, there is no record of your injuries to rely on.  That is true when you’re asking an adjuster you’ve never met to place a value on your injuries.  It’s also true for a jury.  No attorney would feel comfortable presenting an injury case to a jury without any evidence to support the claim.  Juries are hard enough on plaintiffs as it is.  Put yourself in the defense attorney’s shoes, you’d obviously argue that if the person was really hurt, they’d have gone to the doctor.  That’s a hard argument to counter and your jury award isn’t likely to be very much without documented treatment.
  2. Be a good patient:  Look, most people don’t like to go to the doctor.  Especially after something like a car accident where this is all forced on you.  It’s critical to tell your doctor how you’re feeling in a complete & honest way.  They can’t fix you if they don’t treat you, and they can’t treat you without knowing how you’re feeling, and they can’t know how you’re feeling if you don’t tell them.  So be a good patient.
  3. Don’t be afraid to get a second opinion:  We naturally want to trust our doctors, but there’s no guarantee that an individual doctor’s plan will be effective for you or that you’ll be comfortable with it.  Not comfortable with surgery?  Get a second opinion.  Don’t to go through another round of physical therapy?  Get a second opinion.  Don’t feel like your doctor is giving your injury the proper attention?  Get a second opinion.

Remember, the number one goal after getting injured is to get better.  At the end of the day, being your own advocate is the best way to make that happen.  It’s good for your health and it makes for a stronger case if you decide to make an injury claim. 

Be safe out there!

This is the first post in a series we’re calling The Anatomy of a Civil Case.  Some of the conventional wisdom about what how a claim and litigation works is correct, lots more is simply wrong.  Every personal injury case is unique to its specific set of facts, but some things are the same no matter the case.  Our first edition is the Three Ways Insurance Companies Will Fight You.

An insurance company is a for-profit business.  Car, homeowners, renters, medical, fire, doesn’t matter.  Their #1 goal, like any for-profit business, is to make money for their owners.  The only way insurance companies make money is bringing in more in premiums than they pay out in claims (and after paying for all those commercials on TV).  Because their incentives are to avoid paying out on claims if they can.

The first way an insurance company can avoid paying is by denying coverage.  Quite simply, if an insurance company doesn’t provide coverage in a specific case, then they don’t pay a dime.  This is one they obviously prefer.  Their dispute is based on the terms of the insurance contract that most of us never read.  This commonly comes up when it comes to lending your vehicle to someone (the policy might exclude coverage, for example, to someone with a suspended license) or when a family member is not listed on the policy but it is their primary vehicle.  If this becomes an issue, you will almost certainly need the help of an attorney to fight about the contract language.

The second way an insurance company can avoid paying is by denying fault.  With the civil court system in Indiana, we use what’s called a “comparative fault” scheme.  When a jury renders its verdict, it determines the plaintiff’s damages, and then allocates fault which determines how much the plaintiff’s award actually is.  If a verdict is for $100,000 and the fault is 100% against the defendant, the plaintiff gets awarded $100,000.  If the allocation is 90-10 in the plaintiff’s favor, the award is $90,000.  It works like this all the way down to 50-50 (or $50,000 in our example).  If the plaintiff is found to be more than 50% at fault, then they get no award.

If an insurance company finds any way to fight liability and lower their risk of paying on a claim they will.  Even if the adjuster tells you they’ve accepted liability in a phone call, if it ends up in litigation and their attorney can find any reason to try and place fault on the plaintiff, they will.  It’s just another way to add risk.  Sometimes, police investigations are not done as thoroughly as we’d like, and the crash report even puts the plaintiff primarily at fault when they know they did nothing to cause the crash.  In cases like that, an attorney has to use all of their investigative tools to “fix” the liability dispute if the insurance company is going to even be willing to make an offer.

The last way an insurance company can avoid paying is to minimize the injury.  In other words, “you’re not hurt as bad as you think you are.”  This is a tough one for people to take.  They’ve been in a crash, been hurt, gone to the doctor and received treatment, missed work, and still struggle day-to-day with their injuries.  But regardless of everything a plaintiff does, the insurance company only has incentive to minimize it.  Did you wait 2 days to see a doctor?  Must not have been hurt that bad.  Miss a physical therapy appointment?  Didn’t care about getting better.  Get a second or third opinion when you weren’t getting better?  You were doctor shopping.  None of these things are even necessarily true, but if an insurance company can get you or a jury to second guess the seriousness of an injury, they can use that as a reason not to pay.

Cases are often very complex where we have to deal with eye-witnesses, doctors, defendants, and expert testimony.  But at the end of the day, the defense will boil down to one of the three broad topics above.  They are the only bullets in the insurance company gun.  It can be overwhelming to be told by someone you’ve never met that a crash was your fault or your injuries aren’t that bad.  If you ever feel like an insurance company is giving you a raw deal, call an Indiana personal injury attorney like Ladendorf Law and see if we can help.

Watch out for next time when we discuss Part II – Getting Medical Care: Being your own Advocate.

 

Be safe out there!

We received a call yesterday from a biker who informed us that Rider Insurance is no more.  So, we had our intrepid law clerk make some calls to get the facts straight so we could share with the biker community.  The person he talked to at Rider Insurance told us that they are now owned by Plymouth Rock Insurance.  Plymouth Rock does not offer insurance to Indiana residents, so if you’re currently with Rider, it looks like your policy will NOT renew when it comes time.

Rider is recommending that those in Indiana insure through Dairyland Insurance and Rider is offering a replacement policy through Dairyland. A nonrenewal notice was/will be sent out to those covered by Rider from Dairyland Insurance.  If you have Rider, be on the lookout for mail from Dairyland, Rider, or Plymouth Rock explaining further.

While Rider may be recommending that you insure yourself through Dairyland, remember that you don’t have to.  You have the right to pick the insurance company of your choice.

What’s most important, though, is that no matter who you choose to insure your bike, you be sure to buy sufficient coverage if the worst should happen.  1 out of 7 drivers in Indiana are uninsured.  Many more only have state minimum coverage of $25,000 of liability coverage.  If you’re hurt in an accident, $25,000 can be exhausted before leaving the Emergency Room.  We highly recommend speaking to your insurance agent to get exact information on your coverages, particularly your uninsured and underinsured motorist coverage.  We hope you never need it, but if you ever would, you’re going to be very thankful that you looked into it to protect yourself and your family.

Call us if you have any questions that we can help with and be safe out there!

The coronavirus, or COVID-19, is sweeping the world.  Hundreds of thousands are sick, thousands have died, and governments across the globe are struggling in their response to stem the tide of infection and flatten the curve of transmission.

Besides the sickness itself, people are scrambling to grasp what the wider impact will be on the local, state, national, and global economies.  In the short term, at the very least, there are likely to be massive layoffs as more and more people stay at home.  Economists are estimating that millions of workers could be laid off in the near future.  Which brings us to an important issue that is woefully unaddressed.  Mis-classification of workers.

If you are an employee (meaning you get a W-2 each year at tax time) and you lose your job through no fault of your own, you will be eligible for unemployment benefits.  In Indiana, that means you can receive 47% of your weekly wage up to a maximum of $390 weekly.

But what if you don’t get a W-2?  That means you are classified as an “independent contractor.”  As an independent contractor you are NOT covered by unemployment insurance.  Additionally, you typically don’t get any benefits; you’re not covered by Worker’s Compensation laws and your employer doesn’t contribute a portion of your FICA (a/k/a “payroll”) taxes.  When an independent contractor is laid off, they’re on their own.

How many workers are mis-classified?  In 2011, there were estimates that 3.4 million workers were mis-classified as independent contractors.  With the growth of the American economy since then, that number is almost certainly much higher today.

Why are workers mis-classified?  Frankly….greed.  Employers can save a great deal of money by avoiding payroll taxes, benefits, and insurance premiums.

What does it matter?  From our practice, we see this most often in the context of Work Comp.  The work comp system has been in place for over 100 years and it comes with a very specific trade-off for employees/employers.  For the employees, if they are hurt on the job in the course and scope of their employment, they are entitled to have their medical bills paid as well as wage loss benefits.  Even if the accident is their fault.  For the employers, they have to pay medical bills for an on the job accident, but they are immune from a lawsuit.

See, in the common law, if you get hurt because someone else is negligent, you can file a lawsuit for compensation.  That’s what we do at Ladendorf Law every day.  But this would apply to the negligence of a co-worker or even of an employer.  So the trade-off is basically guaranteed benefits, but generally a lower benefit amount than someone would otherwise be entitled to.

Who mis-classifies?  To be clear, it happens in all sectors of the economy.  Where we tend to see it most often is in the construction and commercial trucking fields.  This is what we typically see in a situation where a worker is injured by the negligence of a co-worker.  We make a claim against the employer (remember, they’re not immune from suit if it’s an independent contractor).  The employer’s insurance company hires an attorney who proceeds to attempt to get the court to rule that the employee was actually an employee the whole time so the case should be dismissed because the employer is immune.  Indiana case law even supports this.  An employer can fail to pay benefits by mis-classifying, and then cut the employee loose with no recourse when it gets bad.  Oh, and I don’t want to forget to mention that just because they argue that they’re an employee in a negligence claim it doesn’t mean they volunteer to start paying work comp benefits for that.  Whether it’s with us prosecuting negligence cases, or with a work comp attorney trying to get benefits, workers are often left holding the bag.

How do I determine how I should be classified?  The IRS uses a 20-factor test in deciding whether an individual is an employee or an independent contractor for the purposes of employment or workers compensation law. Click HERE to learn more about the IRS test.  In summary, it really seems to come down to “control.”  Is the employer driving a company truck, wear a company uniform, only work for the company, the company sets the hours, and the company provide the tools?  Yeah, probably an employee.  There’s lots of legal gray area depending on the factors, but I hope you get the gist.

The problem of mis-classification of workers can lead to horrible outcomes for workers.  They pass every test for employment and are clearly “employees” under the legal definition, but their employers try to save money on unemployment insurance, Work Comp insurance, and benefits paid.  And, sadly, when something goes wrong, whether it’s a layoff or a workplace injury, the worker is on their own in what can be very desperate times.

The coronavirus is and will continue to be a major disruption on our way of life for the foreseeable future.  We sincerely hope, though, that certain failures of the system that negatively impact workers when times are the worst are not forgotten when the times are good.

Be safe out there.

It recently made the news that Vanessa Bryant, the widow of Kobe Bryant, has filed a lawsuit against the company that operated the helicopter that Kobe Bryant, his daughter, and seven others were killed in on January 26, 2020.

The Crash

Kobe Bryant had been known to take helicopters as opposed to driving due to Los Angeles traffic. On this particular day, Kobe was taking the helicopter to his daughter’s game with a few of her teammates, their parents, and coaches. The crash is still under investigation but reports suggest it happened as a result of pilot error while flying in heavy fog. In the midst of it all, most were wondering why the pilot, Ara Zobayan, chose to fly in those conditions.

According to CNN the fog was so dense that the LAPD had decided to ground its helicopters. So, why was Ara Zobayan flying? According to reports, the pilot received Special Visual Flight Rules (SVFR) clearance. SVFR clearance allows a pilot to fly in weather conditions worse than those allowed for regular visual flight rules. The investigation is continuing in efforts to find what mistakes were made that led to nine people losing their lives.

Why Bring a Lawsuit?

There is a conventional wisdom that people make claims or file lawsuits because they’re greedy for money. In our experience, nothing could be further from the truth. Aside from medical bills & lost time at work, people with serious injuries often face a lifetime’s worth of medical challenges. A settlement compensating someone for injuries caused by another’s negligence is their one opportunity to try and help them work through the physical and financial challenges that come with being seriously hurt.

But then you have people like the Bryants. Considering Kobe’s career in the NBA, his family is almost certainly not in need of money in the way that others who have not been so successful are. It’s hard to fathom that she sees this case as a get-rich-quick scheme because, frankly, she’s already there. If I had to guess, she is most likely making this claim to make a difference.

Unsafe Toys

There is a long history of tort cases causing individual businesses, and even whole industries, to make changes to promote consumer safety. For example, in 2005 a 2-year-old boy in Virginia died after eating small magnets that had fallen out of a broken Magnetix toy. His parents thought he had a stomach bug, when he actually had a string of magnets and blocking his intestine, leading to his death. They resorted to the civil justice system after nothing was being done by the manufacturer and after more kids got hurt in similar incidents. The result? Changes being made by the manufacturer and the Consumer Product Safety Commission to implement new safety standard tests before toys with magnets can be put on the shelves.

Defective Tires

Similarly, in the late 90s and early 00s, there was a rash of defective Firestone tires on Ford Explorers that failed while driving, killing hundreds and seriously injuring who knows how many more. There was a recall, but it was civil litigation that revealed that Ford knew about the tire issue that could lead to rollover accidents but that Ford tried to hide that evidence. If not for the civil action, it’s possible that nothing would ever have been done to hold Ford to its responsibility for selling a safe product and, importantly, to get an unsafe product off of shelves when it found out about a major safety issue.

The history of tort law is full of examples like these where individuals made a claim or filed a lawsuit and fought against giant corporations to make changes to safety. There is a chance that Mrs. Bryant may not win this case, but even with a loss it could inspire a change in policy. Helicopter pilots may think twice before asking to fly in dangerous weather conditions and SVFR clearance may tend to err on the side of caution as opposed to letting experienced pilots test their limits.

A major principle of tort law is to try and put people back in the position they were before their injury. This is generally a fiction though. There’s no time machine available to go back and tell a pilot not to fly in conditions or to take a drunk driver’s keys. Sometimes, the best Plaintiff’s can hope for is that a claim or a lawsuit causes enough financial trouble for a defendant (or raises the possibility of financial trouble for an industry) that better safety practices are put into place to protect others from suffering the same kinds of harm that the plaintiff has.

Be safe out there.

Of all the personal injury clients we represent in Indiana, car and motorcycle accidents are the most common.  But this is Indiana after all, so winter time slips and falls due to snow and ice also happen all the time.  It’s been a mild winter in the Indianapolis area so far, but what happens if someone slips on your icy front sidewalk?  What if you slip on ice at the entrance to your local big box retailer?

Falls at homes

In Indiana there is no state law requiring you to shovel your sidewalks, however many counties and cities have implemented ordinances that require occupants of a home or business clear their sidewalks. Marion County, for example, has this kind of ordinance. It requires that snow be cleared off by 7 p.m. if the snow has stopped falling, or 9 a.m. the following day if the snow stops after 7 p.m. The penalty for failing to shovel the sidewalk is a $50 ticket.

Beyond a duty created by a law, homeowners still have some duty to keep their sidewalks in a generally safe condition.  Whether or not an occupant of a home shovels their sidewalk, if someone slips and falls there could be a case against that occupant, but it’s not as easy to prove liability as one might think. One issue that plaintiffs run into if they slip is that a landowner is not expected to remedy an unknown hazard.  Think of the example of when you shovel your sidewalk but then ice develops after you’ve done it.  A classic case of plausible deniability. It would be very difficult for a person who slipped and fell on black ice to prove that the landowner who shoveled the side walk knew the black ice was there.  The other issue comes down to whether the homeowner acted reasonably for the conditions.  If they run the snow blower & spread salt, they could have a good defense even if ice still developed because they could argue that they acted reasonably.

Falls at businesses

A business is more likely to be held liable for slip and falls on snow and ice.  Businesses have the highest standard of care they are supposed to provide to their customers and they generally have policies in place to address property hazards like snow & ice. There are, however, a couple of ways a business could escape liability. First, they could claim that they didn’t know about the icy/snowy conditions. Indiana courts have held that a landowner must have actual or constructive notice of the presence of snow or ice and a reasonable opportunity to clean it up. If a business is notified of snow and ice accumulating at the entrance of their store, that would be actual notice. If an employee looks outside and sees snow and ice falling from the sky that could constitute constructive notice that there will be slippery conditions at the entrance.

Once there is notice, a business has a reasonable amount of time to clean it. What is a reasonable amount of time? It depends on the circumstances. If it is really coming down should they wait until the snow ceases? One Indiana Appellate Court said no. A reasonable amount of time would likely be promptly cleaning up the snow and ice. On the other hand, it would be unreasonable in most circumstances to wait two or three days to clean it up. The business owner should also provide sufficient warning to visitors about the icy conditions.

The last hurdle that Plaintiff’s face is their own knowledge of the conditions.  Could you recover for seeing ice and getting hurt while intentionally running and sliding across it? Probably not. In that instance you should have a reasonable awareness for what conditions you may encounter.  What makes it difficult in places with a climate like Indiana’s, is that there is a general awareness that snow & ice happen in the winter.  That’s why it is important to contact an attorney to assess your premises liability case to give you an unbiased opinion about whether the available facts would support a claim.

In conclusion, if you are an occupant of a home, you have no statutory duty under Indiana law to shovel the snow, but your county may have ordinances requiring you to do so. If you are a victim of an unshoveled sidewalk, you could have a good case against the occupant of the property depending on the circumstances. Your chances may increase if the unshoveled property is a business, but you still have to have evidence that the business knew or should have known of the slick area. Regardless, if you do slip and fall this winter you need to consult an attorney to learn your rights because you should not be responsible for paying for someone else’s negligence.

Be safe out there.