Zantac Lawsuit

What is Zantac?

Zantac Recall

Zantac is a heartburn medication that contains the active ingredient Ranitidine.

Lawsuits allege that Ranitidine can break down to form a carcinogen known as N-Nitrosodimethylamine (NDMA). This may cause cancer of the bladder, kidney, colon, and stomach, among other places.

On April 1, 2020, the U.S. Food and Drug Administration, or FDA, requested that all Zantac products be removed from the market.

Zantac has been sold in the US for over 30 years.

Listen to the Experts

Barbara Capasso and John Ray of Mass Tort Nexus provide us with insights and the science behind the Zantac lawsuit, the drugs possible relation to a cancer diagnosis, and the litigation that is happening now.

Full Episode Transcript

Hi, I’m Dennis VanDerGinst.

Being an attorney, I know that the law can get confusing.

In Legal Squeaks, we provide you with useful and easy to understand

squeaks of information on legal and consumer issues

that you can apply in your daily life.

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Hi everyone. I’m Dennis VanDerGinst,

and welcome to Legal Squeaks.

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Today’s topic is the Zantac litigation which affects

so many Americans who have taken that

popular heartburn medication.

The interview that we will be airing today

was actually previously recorded

With two of our favorite experts on the topic

Barbara Capasso and John Ray of Mass Tort Nexus.

They’re experts on pharmaceutical and medical device litigation.

And the information that they shared within this presentation

was too helpful not to share with you on this podcast.

So without further ado,

let’s get into the interview.

Today, I’m happy and proud to announce

that our guests are
Barbara Capasso and John Ray.

They’re the founders of Mass Tort Nexis,

an incredible educational resource
on the practice of mass torts,

specifically pharmaceutical
and medical device litigation.

Essentially, what they do is teach,
consult, and provide in-depth knowledge

and research to plaintiff law
firms across the country.

And I’m happy to say
that VanDerGinst Law is one of those

those plaintiff law firms.

We consult with them on a weekly basis.

We’re happy to have them here to provide

their expert insights
into the Zantac litigation.

We’re also going to hear
from Kitka Galvin,

who is the lead paralegal and mass
tort coordinator for VanDerGinst Law.

So, John and Barb,
thank you for being here.

I’d like to begin by having you explain

what Zantac and ranitidine are,
and what they’re designed to address.

OK. First I’ll start
with explaining acidity

in general.

Everyone probably realizes
a fruit like a lime is acidic.

If you put it on your skin, i
f you put it on a cut, it’ll burn.

It’s acidic.

And then the battery in your
car is also full of acid.

If you put that same

acid in your battery on your hand,
it’ll eat a hole through it.

So not all acids are created equal.

The battery acid in your car is far
more acidic than the acid in a lime.

Now your stomach is basically
a vat of acid that digests food.

Your body produces this acid.

Drugs like Tums and Alka Seltzer and so
forth are just used to enter that acid

and react to the acid that’s
there and make it less acidic.

Make it closer to lime,
further from battery.

Where drugs like Zantac

operate differently,
they don’t affect the acid that’s already

in your stomach, they affect
the pumps called H2 pumps.

H2 receptors, you don’t need
to understand what that is.

But what makes the acid the part of your

body that makes the acid, they stop it,
interfere with it, making the acid in your

stomach, to reduce
the acid in your stomach.

They’re called acid reducers not
antacids like Tums or Alka Seltzer.

Now, the problem with

Zantac and ranitidine is that they were

already known to be nitrosatable drugs
. And I know that’s a big word.

All that means is it’s a drug,

that because of its chemical structure,
it can convert, in other words break apart

the molecule that the drug is,
can break apart.

And part of it can become something else.

And that something else

that a nitrosatable drug can become
is called a N-Nitros compound.

And I know that, again, I’m using words,
but I’m going to simplify it.

The particular compound
that has been discovered that

Zantac and ranitidine brake
down into Is called NDMA.

NDMA is known to be highly carcinogenic.
It’s mutagenic.

It actually mutates
the cells in your body.

All cancer is, is a mutated cell that then
replicates itself again and again.

Because it’s mutagenic, it mutates cells,
NDMA can also cause birth defects as well

as organ damage, kidney damage,
liver damage and other organ damage.

Now,

as I said, the makers of these drugs have
known for a long time that this was

possible that these drugs would convert
in your stomach acid.

The very first thing that struck me about

this litigation,
what I started looking at the science

behind it was that of the other
nitrosatable drugs,

drugs that could convert to NDMA,
none of them were created specifically

for people who had very acidic,
closer to battery acid, stomach acid.

Well, why is that relevant?

Because acid, the more acidic your stomach

is, the more breakdown of the drug
into the carcinogenic NDMA occurs.

But that’s not what
started this litigation.

Ultimately two outside laboratories
that study drugs,

took samples of
Zantac and ranitidine that had been

in people’s shelves,
have been in different places.

And they tested them
just to see how much…

see if it was converting to NDMA before
you swallowed it and it went into your

stomach, and found massive amounts of NDMA
in many of the products.

The

allowable amount in drinking
water of NDMA is .096 nanograms.

That’s one drop of water in
an Olympic-sized swimming pool.

But what they found in these products was
thousands and thousands of times that.

So essentially, not only was the drug
turning into this carcinogenic mutagenic

substance when you swallowed it,
when it was sitting at room temperature

in your home, on a truck, anywhere else,
it was already beginning to convert.

So the longer it sat,

the more it was no longer what it started
out as, but nothing but a cancer pill.

And and women who took it during
pregnancy, which many women have stomach

problems obviously during pregnancy,
it meant

it could cause birth defects and
stillbirths. The child to be born dead.

So this was a very dangerous drug that’s

been on the market that sold billions
and billions and billions of dollars.

One of the best selling
drugs of all time, and

also sold over the counter.

And

had the makers of these products

cared to do what they obviously needed
to do is far as adequately testing them.

The people who’ve been harmed,

people who have cancer,
children have been born with birth

defects, people who suffered organ damage
in children who apparently have suffered

their child being born dead,
all that could have been avoided.

So that’s what this litigation is about.

OK, and John, you mentioned
ranitidine and that is the generic

version?

And you mentioned NDMA and

the cancer that

it has been alleged to create that Zantac
and ranitidine.

Can we talk a little bit about those
types of cancers and other side effects?

I know you mentioned birth
defects and stillbirths.

I believe there’s also kidney and liver
problems that are allegedly being caused.

Can you talk a bit about those
side effects?

Absolutely.

Well, first of all,
let’s just go back for a minute.

I don’t know if we made this clear,

but Zantac started out as only a
prescription, many, many, many years ago.

Then it went, as many drugs do,
to a generic form.

And from there, it went to many
over-the-counter forms.

In fact, I’m sure some of you out there

just started taking it over
the counter. You may have bought

the Walgreen’s brand of Zantac.

You may have bought the CVS
brand, the Wal-Mart brand.

Almost every major retailer in the country
had an over-the-counter version of Zantac.

It was basically the same product.

Recently, very recently,
the FDA asked the manufacturers of Zantac

to please voluntarily
pull it from the shelves.

Because as of recent, most of the drugs
being sold was over the counter.

In fact, the prescription form

of the drug, as soon as
the generic form was made,

they stopped making the brand.
Well the sales dropped.

Yes.
So please understand that this has been

going on for upward of 25 years or more.
You could have started

on the prescription, moved to the generic
and then move to the over the counter.

So I just want you…
I want to make a real distinction between

prescription, generic,
and over-the-counter.

But regardless, the FDA recently asked
the manufacturers to pull all the product

off the market, which they did,
which then began our litigation,

because when something that drastic,
the FDA rarely takes an action like that.

So that’s really what
started this litigation.

Just so you understand,

when the FDA “asks” a drug manufacturer
to do something, that’s because

in order to force them to do it,
they have to sue them.

They have to take them to court.
Or they “ask”.

So you hear FDA recall,

surely the FDA first “asks”
because that’s the easier route.

And the manufacturers all complied because
they knew the gig was up.

So it wasn’t really that the FDA
was giving them a choice.

The FDA was giving the

option “we’re asking you to do this.
If you don’t, we’re going to sue you.

We’re going to make you do it.”

And
I appreciate that historical perspective

on what’s occurred and where
we’re at right now.

You started to address the issue
of the other side effects and what it is

that we’re looking at,
what people should be aware of.

You know, if they’re concerned that, “oh,

my gosh, I was taking this for some period
of time and I’ve had certain ailments”.

Well, what are those ailments that they
really could potentially have a claim for?

Well, let me start with the
three broad categories.

And I’m going to let John
fill in the details.

First and foremost, cancer in adults.

Now, obviously, that can mean many,
many different types of cancers.

We are specifically looking…

and it’s not to say from this list

that there may be other
cancers that we will accept.

But most importantly and in the
forefront: esophageal cancer,

bladder cancer, liver cancer,
stomach cancer, and pancreatic cancer.

Now that’s kind of obvious based

on the way it’s ingested,
but we will also at this time accept

prostate cancer, testicular cancer,
colorectal cancer.

And obviously, you can tell by the list
I’ve just recited, it’s the center of your

body and your digestive
system, if you will.

So that’s our first category,
which would be cancer in adults.

We also, sadly, have a category
of cancer in children.

Now, I just want to say with the adults,
you have to have three years of use.

And what do we mean by use?

Well, generally, it’s a minimum of three

hundred milligrams per week. And
for children,

it’s only one year of ingestion and one
hundred and fifty milligrams a week.

So cancer in adults,

cancer in children because there are
pediatric Zantac products, obviously.

And then lastly,
we’re looking at midline birth defects,

sadly enough, and stillbirths and mothers
who take the product while pregnant.

Now, what does that mean by “take
it while they’re pregnant”?

That means that they have to have taken it

for at least six months
during their pregnancy.

And again, the minimum is three hundred
milligrams per week for an adult.

So those are our three baskets of injury.

And I’ll let John fill in.

Yeah, one of the things that makes…

There going to be a lot
of cases filed in this litigation,

and part of the reason is,
is Zantac and other similar drugs are

known to have what’s
called a rebound effect.

In other words, you take them and they

affect the anatomical structure
that produces acid. Well,

it stops doing what it’s supposed
to do and then rebounds.

It produces more than it normally would.

So it’s not addiction, like being a

ddicted to an opioid, it’s physical,
a physical rebound effect.

You need to take it again because it stops

your problem, the pain you were
having from your stomach acid.

But then as soon as the drug was no longer
affecting those receptors,

they tried to make up for lost
time and produced even more.

And so you had to take more.

So most people who took it

eventually became,
I don’t want to use the word addicted, but

they developed an ongoing need for it
and took it over a longer time.

In other words, the same dosage that they
once took was no longer effective.

So they started taking more.

In fact, we have a personal friend

who basically we had to wean
him off of it a bit.

And I don’t suggest you do this,

but it was to the point where he needed so
much of it to get the same effect, h

e was taking it more than prescribed,
which I don’t suggest anybody ever do.

And if you did and you
had the same effects

that we’re talking about here,
we just want you to understand

that unfortunately that was normal for
people who took Zantac or any form of it.

Now, there’s a couple of really important
points I want to make about this.

If you did

have any of the adverse events that we

just described,
be it the cancer or the birth defects,

please understand that your last dose
has to be 10 years less or prior to.

So in other words, you could have stopped

taking it 10 years before your
cancer diagnosis and you’re OK.

But if you took it and it was 11 years,
then you don’t have a claim.

That 10 years is a long time,

but I just want you to understand that
you have to have had your diagnosis

of cancer or any other adverse event
in this litigation after 10 years.

That can be that’s what we
call the latency period.

It can only be 10 years. I don’t
know if I explain it very well.

But most people what we find when people

call law firms, like VanDerGinst Law,
is that people were on this drug a really

long time for some of the reasons
John just described.

They needed more and more
of it to feel better.

So you’ll find many of you out there were

probably on the drug 5 years,
10 years, 15 years and more.

And as we spoke about before,
you may have started

on the on the prescription form
and moved to over the counter.

So let me then move into another important
subject you may be asking yourselves:

“well, my goodness, there’s going
to be so many of these cases”.

Well, please understand that

as a claimant,
we’re suing the manufacturers,

all the pharmaceutical companies,
of which there are many.

We are suing the distributors and we are

suing all of the retail
outlets that sold this drug.

And so we have many, many,
many defendants here.

So…
Who can afford to pay the claim.

I didn’t want to say that.

Yes, there are many defendants.

There will be many claims,
but there are many, many defendants

for whom we will be suing.

And I think that’s a great

point to make, because in a lot of these
types of litigations,

there may be just a couple or
a handful of potential defendants.

And the concern becomes,

if there are a lot of claimants out there,
well, is there enough to adequately

compensated those people
who have been injured?

But as you pointed out here,
there are a lot of potential defendants.

This has been going on for many,

many years, as you’ve also pointed out.
So there should and will be

ample

assets, I guess,
with respect to compensation.

Now, let’s talk a little bit about
where we’re at.

What has occurred as a result

of discovering these side effects,
these potential side effects.

I know in other discussions that we’ve

had, we talk about
distinctions between class actions,

mass tort actions,
multi-district litigation, et cetera.

So could one or both of you speak
to that as far as what we do with these

potential claims once they come
into our office, for instance.

I’m sure Kitka is going to go over this.

But this is what we call an emerging
litigation because the FDA just asked

the manufacturers to stop
selling it a short time ago.

So we call this emerging litigation.

It just began.

So right now is a great time to call
because we will get your claim processed.

We will update you as to what’s
going on in the litigation.

We have yet to have trials,
though will be scheduled shortly.

Still, again, the chances of your claim

being chosen to go
to trial are almost zero.

But that’s a good thing.

I don’t want you to look
at that as negative.

It’s actually a very good thing.

So what happens is most of the claims will

be filed with the court,
which is here in Florida.

That’s where it’s consolidated.

And then VanDerGinst Law will update after

your claim is filed and keep you updated
on what’s going on in the litigation.

Now, please understand,

because it is emerging litigation
and they’re going to be a lot of claims, w

e may not get to the settlement
phase for many years.

But during the processing of your claim,

please, please work with VanDerGinst Law,
answering all of their questions so

that they can file your
claim and you’ll be on file.

So when they do settle the case,
you’ll be all set and ready to go.

And a multi-district
litigation was granted.

So the simpler form of filing does exist.

Simpler for the plaintiff,

not necessarily for the law firm,
but simpler for the plaintiff,

has been granted.

And because there are so many defendants

and every major retailer in the country
decided to make their own version of this

drug, there are a lot of defendants.

From a legal standpoint,
the fact that the FDA

drug asked that the drug be recalled
is very positive for plaintiffs.

There are a very long list of defendants
that have to be dealt with.

The litigation is going to be complicated

and that may make it take
longer than it otherwise would.

And that’s a very, very good litigation.

I’m sure most of you are
familiar with the term “fraud”.

And in the complaint that we’ve made

to all of these defendants,
there are a lot of fraud charges.

So it’s a very,
very interesting litigation.

And I think it’s important to point out,

Barb mentioned the litigation
being consolidated in Florida.

I want everyone to know, well,

first of all, VanDerGinst Law is
located in Illinois and Iowa.

Unfortunately, we’re not in Florida,

although I wish I were
at this point in time.

But we’re handling cases
from all over the country.

So the fact that it’s consolidated
in Florida is really not important.

And of course, we have
Mass Tort Nexus right there.

But in any event,
it’s also important for everyone

to understand that we do this work
on a contingent fee basis.

So there’s no risk.

If you feel that you might have

a potential claim,
certainly reach out to us.

And I’m going to let Kitka talk
about that a little bit in a moment.

But reach out to us and know that unless

we’re able to get you compensation,
there’s no attorney fee.

You’re certainly not asked for any kind

of retainer for costs or
anything along those lines.

You’re never going to be out of pocket

a dime, unless we get
a recovery on your behalf.

So that’s important.

I know for for anyone listening
in or watching this to know.

So along those lines,
I guess Kitka I’ll have you speak a little

bit about what it is that we are doing
with the inquiries that are coming

in with respect to this Zantac litigation
and how we are vetting those files.

Yeah,

Zantac, it’s kind of been in the news.

So I know a lot of people have questions.

W

hat I want to say is if you took Zantac
and you were diagnosed with cancer,

or your child was, or your child was
born with birth defects, give us a call.

We are going to ask you some questions.

In order for us to build a case to file

your claim with the MDL,
we need some facts.

So we’re going to have to order
medical records.

We’re also going to do some digging to
prove that you actually took the product.

It’s a little bit different than having

a medical device implanted where
I’ve got operative reports.

We’re going to have to
track some things down.

It’s not impossible.

So don’t feel like, “well,
I took the Walgreens brand of Zantac,

but I don’t still have the product or
I don’t have a prescription for it”.

We’ve got some ways to to track
down that proof of use.

So we’ll put all that
information together.

We’ll get your medical records.

We’ll determine that proof of use,
and then we will put that case together.

Build it up and file into the MDL.

As Barb and John and
you guys have all said,

this is a baby tort right now.

It’s brand new.

So we’re going to be working on this
for a few years.

That doesn’t mean that we just leave you

high and dry. We try very hard to keep in
constant contact with all of our clients.

We’ll be in touch about once a month.

Sometimes that’ll be to tell you nothing

happened this month, but we’re still
here and we’re still working on it.

And yes, you do have a case,
and here’s your case number.

And as soon as something happens,
we will let you know.

And I’m glad Kitka has mentioned that.

That we do reach out to everyone
at least once a month,

even if there’s not really anything
to report, because we know how anxious

people can be when involved
in these types of situations.

And it’s good to know
that we’re very communicative.

I think that’s always important whenever
we’re dealing with claims

and or litigations that
are resulting as of, because of,

injury or illness caused by products
and or situations that arise.

So thank you for bringing that up.

As is the case with the other torts

that we’ve had the pleasure
of discussing with Barb and John.

I want to give them
the final say here and talk to anything

about this litigation that they
might like as far as the summary.

The Zantac litigation or…

Yes, please.

The Zantac litigation, I would say,

the statement made by the FDA
on April 20th of 2020 is

conclusive

of ranitidine (Zantac) converting to NDMA
simply by exposure to room temperature (

in other words, the temperature in your
home) is what made it almost impossible

for the defendants to mount a serious
defense in this litigation.

Because the product was not shipped

from overseas, generally,
in refrigerated containers.

Obviously

when you received a prescription or

over the counter, you were not told
keep this drug in the refrigerator.

Some drugs do, you know it says
keep them in refrigerator.

This one was not.

And because
all that needs to occur in order for those

tablets to start converting partially
into this extremely hazardous substance,

that’s an EPA classification,
that’s EPA speak for poison,

is exposure to room temperature.

And it was always exposed to room

temperature from the moment
it was made until

it was completely used or thrown away.

That

is kind of hard for the
defendant to defend.

They can’t say, no, it didn’t.
Not with any honesty.

“No, no.

Our drug doesn’t convert to this
poison, this carcinogen”.

And the FDA

was slow considering
the evidence to take action.

But once they took action,

the statements made by the FDA were
very damning for these defendants.

And I’d just like to say this.

Please understand
that not all lawyers understand how

to file pharmaceutical or
pharmaceutical device claims.

VanDerGinst Law is very well
versed in filing these claims.

It’s very important that you understand.

Don’t just go to some local lawyer who
who really doesn’t handle these cases.

You have to be under the guidance
of someone who understands the ins

and outs of these cases
the way VanDerGinst Law does.

So please, if you believe you have a claim
against Zantac, call VanDerGinst Law,

because they know how to file these claims
and they will stay in communication

with you and help you along
every step of the way.

Well, thank you, Barbara, saying that.

And I want to thank both Barb and John
for joining us, as well as Kitka.

I want to thank you all for joining us.

And again, if you have questions or would

like us to explore a potential claim
on your behalf, please feel free to reach

out to us online at vlaw.com. Or
give us a call at 800-960vlaw(8529).

Thank you again.
And everyone, have a good day.

I’d like to thank John and Barb once again

for providing us with that insightful information on

the Zantac litigation.

And if you feel like you may have a case,

feel free to reach out to VanDerGinst Law for a free consultation.

We’re not here to solicit cases,

but we’re more than happy to help should you need us.

Again, I’d like to remind you all if you haven’t already done so

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Also, if you’d like to watch the video version of this or

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Be sure to join us next week on Legal Squeaks,

and in the meantime have a great day,

stay safe, and I love you all.

What is NDMA?

N-Nitrosodimethylamine, or NDMA, is a probable human carcinogen and known environmental contaminant found in water and foods.

While the levels found in food and water are well below FDA standards, “sustained higher levels of exposure may increase the risk of cancer in humans” (source).

Many drug companies that produce Ranitidine products, which can have a chemical reaction and break down to form NDMA, have recalled these products.

The companies recalling Ranitidine include Glenmark Pharmaceutical Inc., Appco Pharma LLC, Aurobindo Pharma USA, Sanofi, GlaxoSmithKline, Novartis, Dr. Reddy’s Laboratories, Perrigo, Novitium Pharma, and Lannett Company, among others.

NDMA Research

According to Mass Tort Nexus, “Research by supplement company Valisure, titled Valisure Detects NDMA in Ranitidine, “found that NDMA was the result of the; ‘inherent instability’ of the ranitidine molecule.

This means that all manufacturers, brand or generic, and all lots of ranitidine-containing medications are affected and could generate high levels of NDMA in the human body.”

Additionally, a 2016 study on oral intake of Ranitidine suggested that 24 hours after intake of Ranitidine, NDMA in healthy volunteers urine increased 400 times from 110 to 47,600 ng.

After the FDA’s September 2019 statement that Zantac, and other Ranitidine products, may cause cancer, they continued to study Ranitinde.

As of April 1, 2020, the FDA released more data that confirmed that NDMA levels increase in ranitidine even under normal storage conditions.

Additionally, the FDA says, “The testing also showed that the older a ranitidine product is, or the longer the length of time since it was manufactured, the greater the level of NDMA.”

Higher than room temperatures significantly increase levels of NDMA, including temperatures the product may be exposed to during distribution and handling by consumers.

This may cause cancer in those who take it.

What side effects could you experience after taking Zantac?

As mentioned above, many people who have taken Zantac have experienced cancer of the bladder, kidney, colon, and stomach/gastric.

You may also have experienced other cancers like cancer of the esophagus, breasts, intestines, liver, lung, pancreas, prostat, among others.

Additionally, people who used Zantac during their pregnancy may have experienced miscarriages, stillbirths, or midline birth defects including cleft palate, gastroschisis, heart murmurs, among others.

Do you qualify for compensation?

There are a few ways that you can qualify for compensation due to injury from the drug Zantac.

For more information on how you can qualify due to a cancer diagnosis, please fill out our pre-qualification form.

Adult Cancer Cases

  • At least 1 year of use prior to cancer diagnosis
  • Minimum of 300 mg/week during 1-year period of use; and
  • No more than 10 years since last use prior to cancer diagnosis

Pediatric Cancer Cases

  • At least 1 year of use prior to cancer diagnosis
  • Minimum of 150 mg/week during 1-year period of use
  • No more than 1 year since last use prior to cancer diagnosis

Prenatal Cancer Cases

  • At least 6 mos. of use during pregnancy
  • Minimum of 300 mg/week during 6 months of pregnancy; and
  • No more than 5 years after birth until diagnosis of cancer

Birth Defect Cases

  • At least 6 mos. of use during pregnancy; and
  • Minimum of 300 mg/week during 6 months of pregnancy

Did you or a loved one take Zantac?

You may be entitled to compensation if you meet the above requirements, and we would highly recommend working with a personal injury lawyer during this complex process.

The experienced and knowledgeable personal injury attorneys at VanDerGinst Law can help you make sense of your case and work with the big insurance companies to get you a fair settlement.

If you believe you have been injured due to Zantac use:


Read More About Zantac and the Lawsuit

The information contained on this website is presented by VanDerGinst Law P.C. It is not intended nor should it be construed as professional legal advice. The information is general in nature about the Firm, the scope of services we offer, and our community outreach, it is not legal advice. Please contact us by phone, email, mail, or via this website for inquiries. Contacting us does not create an attorney-client relationship. Please contact a personal injury attorney for a consultation regarding your situation. This website is not intended to solicit clients outside the State of Iowa and/or the State of Illinois.

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Hi there. Welcome to Legal Squeaks. I’m your host, Dennis VanDerGinst. And before we start discussing today’s topic, I’d like to ask you to please make sure you register or subscribe to Legal Squeaks on your favorite podcast platform.

It’s easy to do and it’s absolutely free. By doing so, you’ll be notified every time a new episode becomes available. And it also helps us track how successful we are with our content. You’ll also be able to view this podcast and all of our episodes at legalsqueaks.com.

So today’s topic is an important one. It’s what to do if you’re involved in a car accident. More than 10 million car and light truck crashes occur in the United States each year.

And even though there are fewer cars on the road since the Covid pandemic, in fact, 16 percent fewer, according to some sources, it’s ironic, but fewer drivers has actually led to more speeding to the tune of 27% increase and also hard braking incidents, up 25% as well as phone usage while driving, which is up 38%.

So the volume of car accidents hasn’t decreased, even though there are fewer cars on the road. The chances are that you or a close friend or family member has either been in a car accident at some point or will be in the future, even if it’s just a fender bender.

And when accidents like that happen, it’s easy to get anxious and stress. Adrenaline can prompt you to do things and say things that you should avoid. So it’s good to know in advance what you should do if you’re ever in that situation. So that’s what we’re going to talk about today.

The first thing is, as I mentioned, the adrenaline can get you pumped up. You want to try to remain calm. You won’t be able to make the important steps necessary in addressing the issues unless you are as calm as possible under the circumstances.

Always be sure to stop, first of all, when you’re in accident, don’t drive away from the scene of an accident, even if it’s a minor accident, because first of all, you may be overlooking opportunities to pursue compensation if you’ve sustained property damage or injury. And secondly, you could be facing criminal penalties, especially if you’re partially to blame in causing the accident. So always make sure you stop.

Once you’re stopped, first thing to do is check for injuries. Check yourself, check any of the passengers in your vehicle to see if there are any visible injuries and then call 911 one or ask someone else to do so if it appears that anyone is hurt, either in your vehicle or another vehicle that’s been involved in the accident. If you’re seriously injured, try not to move until help arrives to attend to your injuries.

Next, you want to determine what to do with your your vehicle. Now, that, of course, presupposes that your injuries allow you to assess that situation. If so, then you can determine whether your vehicle should be moved. Ideally, vehicles should be left safely where they came to rest so that if necessary, they’re in the same position they came to rest for purposes of accident reconstruction in order to determine where liability issues might exist.

So in other words, let the cars remain where they are, if they can be left there safely, so that a determination can be made with respect to who was at fault. But make sure that you’re in a safe location, even if you leave the vehicle where it came to rest. If the vehicles pose a hazard to you or to other people, then of course they should be moved to ensure safety.

In that case, you’ll want to pull them to the shoulder of the road or otherwise out of the way of approaching vehicles. If you can, you’re going to want to also make sure that you turned the hazard lights on. You can prevent further accidents by sending up flares if you have them, especially if it’s dark out. And if your lights aren’t working. You should prepare for things like this by making sure you also have a flashlight in your car at all times so that if you do have to be on the side of the road and it’s dark, you can at least have the light, the flashlight on to make sure oncoming vehicles can see that you’re there so that they can avoid causing further harm.

Next, make sure you keep a cool head, even if you know that the other person is clearly at fault, try not to yell and become angry. If the other person does so, avoid a confrontation or an argument. Don’t assign fault and important, importantly, also, don’t admit guilt to the other persons who are at the scene.

Next, you’re going to want to document the accident. Now, what I mean by that is if your injuries allow you to do so and you have a phone with a camera or video on it or otherwise have a camera or video recorder available, take photos and or videos of the scene.

What you want to depict are the roadway itself and the nearby traffic controls. You want to show the position of the vehicles where they came to rest after the accident. And if they were moved, you want to also show where they were eventually moved. You want to show the damage to the exterior and the interior of the vehicles that were involved. You want to show debris like broken glass. If if there, if there are such, if there is such evidence of debris. You’re also going to want to show skid marks. You want to show the vehicle license plates.

In addition, you want to gather information from witnesses to the accident. The contact information, their names, what they might recall as far as the scene of the accident. Take note of any potential traffic cameras or security cameras in the in the area because they might have actually picked up footage of the accident. One thing you might want to be aware of also is that if there are ATMs, automatic teller machines, nearby don’t rule out the possibility that the cameras in those machines may have actually picked up footage of the accident.

You also want to note the weather and the road conditions. If, if you can’t take pictures, you’ll want to make a diagram while everything is still fresh in your mind or record it on on your your phone with audio, if possible.

Next, call the police. If nobody else has done so, it’s a good idea to call the police, even if it doesn’t appear that there are any serious injuries. You may need to make a police report in order to file a claim with your insurance company, even if it’s just a claim for damage to your vehicle.

The vehicles that are involved in the accident, as I mentioned before, should remain where they are unless they interfere with traffic. That way, when the police arrive, they can make a determination as to how the accident occurred and perhaps assess liability by issuing tickets or traffic citations.

When the police arrive, make sure you tell the officer or the officers exactly what happened. If you don’t know certain facts, tell that to the officer. Don’t speculate, don’t guess. Don’t misstate any of the facts.

If you’re asked if you are injured and you’re not sure, tell them that you’re not sure rather than saying, no, you’re not, not injured. Because often the pain and injuries from the accident don’t become apparent for hours, sometimes even days. So don’t say no or that might be held against you later on when you find out that you’re actually hurting from the accident. You should also make sure that the statements that are made by other persons who were either involved or witnessed the accident are accurate as well.

Be sure to write down the name, the badge number and the agency of the law enforcement officer who responds to your crash and prepares the traffic crash report. Also, make sure you get the report number. You should be able to contact that law enforcement agency within a day or two after the crash and request a copy of the report. In many instances, you’re just going to leave that up to an attorney, assuming that you do hire an attorney to help you, and I’m going to tell you why you should do that in just a moment.

In some states such as Illinois, you also have a legal duty to file a written report with the state’s Department of Transportation. Now, if you’re in a car wreck, when you’re in a different state, it’s best to always call 911 one to make sure that you are compliant with the state laws and to properly document what happened. If the police can’t come to the scene of your accident or if they have to leave before they take a report or they don’t show up because nobody seems to be hurt or the involved vehicles are not blocking traffic, et cetera, don’t panic.

Just make sure you go to the nearest police station and file a report as soon as possible after the accident. Most states allow up to seventy two hours to make a police report, but the laws vary by state. So get there as soon as possible if the police cannot arrive at the scene.

Next, exchange information with the other driver. Now, typically, an investigating officer will obtain that information for you or your insurance company may also do that.

But regardless of whether injuries are seemingly involved or if the police is called, you need to exchange certain relevant information with the other driver. State laws differ on what information you’re expected to exchange, but at very minimum, you’re going to want to get the other driver’s name and insurance information. You should ask to see the other drivers insurance card and if possible, look at that person’s license to confirm that the name and address that they give you are accurate. I’m not suggesting that people don’t give that information accurately, but you can assume that it does occur on occasion.

Also, don’t make any side deals with the other drivers to accept or pay cash for the accident instead of filing an insurance claim. Even if the other driver offers a significant amount of money or claims that they have no auto insurance, it generally creates more problems than it solves. So don’t cut those deals. If they tell you they don’t have insurance coverage again, let an attorney address that issue for you later on.

Important: get emergency medical attention if it’s necessary. All of the other things that I’ve mentioned here may not be addressed immediately if you have acute injuries that require immediate medical attention. Your health and well-being comes first.

Along those lines, don’t reject the emergency care at the scene, nor an ambulance ride to an emergency department if it’s offered or suggested by the emergency personnel who arrive there at the scene.

Even if you think you can tough it out or you can drive yourself to the emergency room, you may find that your injuries are more serious than you thought. And your rejection of care at the scene could later be viewed by an insurance company or even a jury, if it goes that far, as one: an indication that you must not have been injured if you didn’t accept that kind of care or two: you failed to mitigate your damages.

And by that, what I mean is everyone is obligated to do what they can to minimize the impact of damages that they sustain as a result of an accident. So if you don’t get the medical attention that a prudent person would ordinarily allow, that could be held against you. So don’t let that happen.

Next, make sure you report the accident to your own insurance carrier. Even if you weren’t at fault, you’re going to want to alert your insurance carrier to the accident. Many policies require that you report as soon as possible and you cooperate with with them. Otherwise they can deny benefits to which you might be entitled.

Now, why would you care if that’s the case if the other party is at fault? Well, I’ll tell you, because often the other parties insurance is going to delay in paying anything. Even if the other party is at fault, a lot of times their insurance is going to drag their feet. Sometimes there are legitimate reasons for their delay. For instance, they need to conduct their own investigation and speak to their own insured. Other times they’re simply being obstructionist in order to force you to accept a nominal settlement. So you can turn in those instances, you can turn to your own insurance to repair or replace your vehicle and get your rental vehicle if it’s necessary.

And if you have MedPay, medical payments coverage, or PIP, personal injury protection, you may rely on that coverage to pay some of your initial medical bills or at least cover any deductible or copay you may have with, if you have other health insurance options. And don’t feel bad for your own insurance company, that’s what you pay for. And they’re going to be reimbursed in most instances when a recovery is made against the other person’s insurance. So be sure you get in touch with your own insurance carrier so that you can take advantage of any coverage that you have.

Also, make sure you follow up and we talked about the emergency attention, but follow up with medical care and treatment. Whether you seek emergency care or not, after the accident, the chances are you’re going to feel the effects of an accident in the hours or days that follow. Don’t delay, seek the appropriate care and treatment. Sometimes that will be emergency care. Sometimes that may require a visit with a family doctor or a chiropractor. And then once you’re seen by an initial treatment provider, there might be a determination made that you need further follow up with other treaters like physical therapists, orthopedist, neurologists, et cetera.

Also, keep in mind that if you lost consciousness or were dazed for even a short period of time following a collision that you may have suffered a concussion or a closed head injury. This can cause cognitive and behavioral changes if it’s not treated properly. So be sure to get that proper follow up.

Next issue to discuss, do not help the other person’s insurance company. You have an obligation to cooperate with your own insurance company, but there’s no such obligation with respect to the other driver’s insurance company.

That company representative may certainly reach out to you and attempt to get a recorded statement. Don’t do that. It may appear to be innocuous. It may appear to be innocent. But even though it may not lead to problems, it certainly can. Their job, bear this in mind, their job is always to minimize that insurance companies obligation to pay compensation to you. And they’re going to frame questions and information in the way best suited to do that.

So similarly, don’t sign anything that they ask you to sign. Don’t sign medical authorizations, don’t sign release forms. They may tell you that they need an authorization in order to review and pay your medical bills. However, they’re often going to use those authorizations to dig into your past medical history in order to argue that your injuries are related to something other than the accident. All information should be provided to that insurance company, via an experienced attorney who is representing you. And we’re going to talk about that again in a moment.

I do want to point out, however, that sometimes the insurance company that represents you is also the insurance company that represents the other party. So in those instances, you do, it’s kind of odd, because you do have an obligation to speak to the adjuster who is assigned on your policy, but you don’t have any obligation, and again, what I just outlined applies when it is the adjuster who is assigned for the other party’s policy, even though there is, it’s the same company, they’re supposed to keep those claims issues separate and apart.

That, again, is why it is important to speak to an attorney and make sure that you are compliant with your obligations under your own coverage, but you are not giving up opportunities to make arguments for compensation under the other person’s coverage.

So, as I mentioned, speak to an attorney. If your injuries warrant the attention of a treatment provider, they likely also warrant the attention of an attorney.

There are so many things that can go wrong when an accident victim tries to go it alone. As an accident victim, you’re not going to know what you’re obligated to provide to insurance carriers, nor are you going to know what you’re entitled to receive in the way of compensation. That creates an environment that allows accident victims to be exploited by greedy and unscrupulous insurance companies. And I’m not saying that all companies are that way, nor am I saying all adjusters are that way.

But the insurance industry hasn’t become a trillion dollar industry by willingly giving everyone the compensation to which they’re entitled. Their job is to try to resolve claims for as little as possible while they accept the premiums from their insureds. So an experienced injury attorney will know how to gather the necessary information, ensure that you get reasonable and necessary medical care or other care and treatment, and make sure that you’re properly compensated for your medical bills, your lost wages, your out of pocket expenses, property damage, pain and suffering and other damages.

To help your attorney get you that proper compensation, be sure that you’re also keeping a journal and or a file of your accident and treatment. Write down your memories of what happened in the accident, while those details are still fresh in your mind. Keep a journal that records your injuries and the way they’ve impacted your normal life activities. It’s also a good idea to keep a file in which you can store copies of medical bills and other receipts, accident reports, work records and correspondence between you and the insurance company representatives. Now, good attorney is also going to gather that from the sources, but it doesn’t hurt for you to start gathering that right away.

Also, make sure that you keep all of your treatment appointments and don’t do anything inconsistent with your care. Insurance companies will be watching. As I mentioned before, you have a duty to mitigate your damages. If you fail to keep your treatment appointments, there’s an argument that can be made that if you had done so, if you had properly treated, your injuries would not have been as, as difficult to deal with, they would have resolved quicker, et cetera. So you need to mitigate those damages by making sure that you are keeping those appointments.

You also don’t want to do anything inconsistent with your care, as I mentioned. So if you have a neck injury, it doesn’t make sense for you to try to go out bowling. And then, of course, somebody may post a photo of you enjoying yourself bowling. That’s obviously very inconsistent with your injuries and the care that your treatment provider may be attempting to provide.

Along those similar lines, do not share your case with other people. While you might be able to discuss what happened with your family, you should be cautious about talking to others about your accident, because conversations with friends or with the general public are not protected by confidentiality privileges. So specifically, never discuss your cra, crash or your injuries or your treatment or your dealings with the insurance company on social media.

So don’t post on Facebook, don’t post on Twister, Twitter or any other social media, because those posts and those comments can be used by the other side, if the case goes to trial, they can be admissible and they can be used against you. So be sure to avoid that.

I hope this information was useful. If you’ve been injured in a car accident, again, it’s extremely important that you get a personal injury attorney on board as soon as possible. I’m not here to solicit cases, but if you have any questions or need help with the car accident, feel free to contact me directly or contact VanDerGinst Law at 800-960-8529 or info@vlaw.com.

As with most, as with most personal injury attorneys, consultations are free and there’s never an attorney fee unless we get you compensation.

Thank you for listening to Legal Squeaks. Again, if you haven’t already done so, please register, subscribe, review and or like Legal Squeaks on your favorite podcast platform. You can check out the video recording of this podcast and other episodes at legalsqueaks.com. Also, please be sure to check out our other podcast, Uncommon Convos.

Look for us next week when we will have some more important legal and consumer information on Legal Squeaks. In the meantime, have a great day. Stay safe. And I love you all.

Hi there. Welcome to Legal Squeaks. I’m your host, Dennis VanDerGinst. And before we start discussing today’s topic, I’d like to ask you to please make sure you register or subscribe to Legal Squeaks on your favorite podcast platform.

It’s easy to do and it’s absolutely free. By doing so, you’ll be notified every time a new episode becomes available. And it also helps us track how successful we are with our content. You’ll also be able to view this podcast and all of our episodes at legalsqueaks.com.

So today’s topic is an important one. It’s what to do if you’re involved in a car accident. More than 10 million car and light truck crashes occur in the United States each year.

And even though there are fewer cars on the road since the Covid pandemic, in fact, 16 percent fewer, according to some sources, it’s ironic, but fewer drivers has actually led to more speeding to the tune of 27% increase and also hard braking incidents, up 25% as well as phone usage while driving, which is up 38%.

So the volume of car accidents hasn’t decreased, even though there are fewer cars on the road. The chances are that you or a close friend or family member has either been in a car accident at some point or will be in the future, even if it’s just a fender bender.

And when accidents like that happen, it’s easy to get anxious and stress. Adrenaline can prompt you to do things and say things that you should avoid. So it’s good to know in advance what you should do if you’re ever in that situation. So that’s what we’re going to talk about today.

The first thing is, as I mentioned, the adrenaline can get you pumped up. You want to try to remain calm. You won’t be able to make the important steps necessary in addressing the issues unless you are as calm as possible under the circumstances.

Always be sure to stop, first of all, when you’re in accident, don’t drive away from the scene of an accident, even if it’s a minor accident, because first of all, you may be overlooking opportunities to pursue compensation if you’ve sustained property damage or injury. And secondly, you could be facing criminal penalties, especially if you’re partially to blame in causing the accident. So always make sure you stop.

Once you’re stopped, first thing to do is check for injuries. Check yourself, check any of the passengers in your vehicle to see if there are any visible injuries and then call 911 one or ask someone else to do so if it appears that anyone is hurt, either in your vehicle or another vehicle that’s been involved in the accident. If you’re seriously injured, try not to move until help arrives to attend to your injuries.

Next, you want to determine what to do with your your vehicle. Now, that, of course, presupposes that your injuries allow you to assess that situation. If so, then you can determine whether your vehicle should be moved. Ideally, vehicles should be left safely where they came to rest so that if necessary, they’re in the same position they came to rest for purposes of accident reconstruction in order to determine where liability issues might exist.

So in other words, let the cars remain where they are, if they can be left there safely, so that a determination can be made with respect to who was at fault. But make sure that you’re in a safe location, even if you leave the vehicle where it came to rest. If the vehicles pose a hazard to you or to other people, then of course they should be moved to ensure safety.

In that case, you’ll want to pull them to the shoulder of the road or otherwise out of the way of approaching vehicles. If you can, you’re going to want to also make sure that you turned the hazard lights on. You can prevent further accidents by sending up flares if you have them, especially if it’s dark out. And if your lights aren’t working. You should prepare for things like this by making sure you also have a flashlight in your car at all times so that if you do have to be on the side of the road and it’s dark, you can at least have the light, the flashlight on to make sure oncoming vehicles can see that you’re there so that they can avoid causing further harm.

Next, make sure you keep a cool head, even if you know that the other person is clearly at fault, try not to yell and become angry. If the other person does so, avoid a confrontation or an argument. Don’t assign fault and important, importantly, also, don’t admit guilt to the other persons who are at the scene.

Next, you’re going to want to document the accident. Now, what I mean by that is if your injuries allow you to do so and you have a phone with a camera or video on it or otherwise have a camera or video recorder available, take photos and or videos of the scene.

What you want to depict are the roadway itself and the nearby traffic controls. You want to show the position of the vehicles where they came to rest after the accident. And if they were moved, you want to also show where they were eventually moved. You want to show the damage to the exterior and the interior of the vehicles that were involved. You want to show debris like broken glass. If if there, if there are such, if there is such evidence of debris. You’re also going to want to show skid marks. You want to show the vehicle license plates.

In addition, you want to gather information from witnesses to the accident. The contact information, their names, what they might recall as far as the scene of the accident. Take note of any potential traffic cameras or security cameras in the in the area because they might have actually picked up footage of the accident. One thing you might want to be aware of also is that if there are ATMs, automatic teller machines, nearby don’t rule out the possibility that the cameras in those machines may have actually picked up footage of the accident.

You also want to note the weather and the road conditions. If, if you can’t take pictures, you’ll want to make a diagram while everything is still fresh in your mind or record it on on your your phone with audio, if possible.

Next, call the police. If nobody else has done so, it’s a good idea to call the police, even if it doesn’t appear that there are any serious injuries. You may need to make a police report in order to file a claim with your insurance company, even if it’s just a claim for damage to your vehicle.

The vehicles that are involved in the accident, as I mentioned before, should remain where they are unless they interfere with traffic. That way, when the police arrive, they can make a determination as to how the accident occurred and perhaps assess liability by issuing tickets or traffic citations.

When the police arrive, make sure you tell the officer or the officers exactly what happened. If you don’t know certain facts, tell that to the officer. Don’t speculate, don’t guess. Don’t misstate any of the facts.

If you’re asked if you are injured and you’re not sure, tell them that you’re not sure rather than saying, no, you’re not, not injured. Because often the pain and injuries from the accident don’t become apparent for hours, sometimes even days. So don’t say no or that might be held against you later on when you find out that you’re actually hurting from the accident. You should also make sure that the statements that are made by other persons who were either involved or witnessed the accident are accurate as well.

Be sure to write down the name, the badge number and the agency of the law enforcement officer who responds to your crash and prepares the traffic crash report. Also, make sure you get the report number. You should be able to contact that law enforcement agency within a day or two after the crash and request a copy of the report. In many instances, you’re just going to leave that up to an attorney, assuming that you do hire an attorney to help you, and I’m going to tell you why you should do that in just a moment.

In some states such as Illinois, you also have a legal duty to file a written report with the state’s Department of Transportation. Now, if you’re in a car wreck, when you’re in a different state, it’s best to always call 911 one to make sure that you are compliant with the state laws and to properly document what happened. If the police can’t come to the scene of your accident or if they have to leave before they take a report or they don’t show up because nobody seems to be hurt or the involved vehicles are not blocking traffic, et cetera, don’t panic.

Just make sure you go to the nearest police station and file a report as soon as possible after the accident. Most states allow up to seventy two hours to make a police report, but the laws vary by state. So get there as soon as possible if the police cannot arrive at the scene.

Next, exchange information with the other driver. Now, typically, an investigating officer will obtain that information for you or your insurance company may also do that.

But regardless of whether injuries are seemingly involved or if the police is called, you need to exchange certain relevant information with the other driver. State laws differ on what information you’re expected to exchange, but at very minimum, you’re going to want to get the other driver’s name and insurance information. You should ask to see the other drivers insurance card and if possible, look at that person’s license to confirm that the name and address that they give you are accurate. I’m not suggesting that people don’t give that information accurately, but you can assume that it does occur on occasion.

Also, don’t make any side deals with the other drivers to accept or pay cash for the accident instead of filing an insurance claim. Even if the other driver offers a significant amount of money or claims that they have no auto insurance, it generally creates more problems than it solves. So don’t cut those deals. If they tell you they don’t have insurance coverage again, let an attorney address that issue for you later on.

Important: get emergency medical attention if it’s necessary. All of the other things that I’ve mentioned here may not be addressed immediately if you have acute injuries that require immediate medical attention. Your health and well-being comes first.

Along those lines, don’t reject the emergency care at the scene, nor an ambulance ride to an emergency department if it’s offered or suggested by the emergency personnel who arrive there at the scene.

Even if you think you can tough it out or you can drive yourself to the emergency room, you may find that your injuries are more serious than you thought. And your rejection of care at the scene could later be viewed by an insurance company or even a jury, if it goes that far, as one: an indication that you must not have been injured if you didn’t accept that kind of care or two: you failed to mitigate your damages.

And by that, what I mean is everyone is obligated to do what they can to minimize the impact of damages that they sustain as a result of an accident. So if you don’t get the medical attention that a prudent person would ordinarily allow, that could be held against you. So don’t let that happen.

Next, make sure you report the accident to your own insurance carrier. Even if you weren’t at fault, you’re going to want to alert your insurance carrier to the accident. Many policies require that you report as soon as possible and you cooperate with with them. Otherwise they can deny benefits to which you might be entitled.

Now, why would you care if that’s the case if the other party is at fault? Well, I’ll tell you, because often the other parties insurance is going to delay in paying anything. Even if the other party is at fault, a lot of times their insurance is going to drag their feet. Sometimes there are legitimate reasons for their delay. For instance, they need to conduct their own investigation and speak to their own insured. Other times they’re simply being obstructionist in order to force you to accept a nominal settlement. So you can turn in those instances, you can turn to your own insurance to repair or replace your vehicle and get your rental vehicle if it’s necessary.

And if you have MedPay, medical payments coverage, or PIP, personal injury protection, you may rely on that coverage to pay some of your initial medical bills or at least cover any deductible or copay you may have with, if you have other health insurance options. And don’t feel bad for your own insurance company, that’s what you pay for. And they’re going to be reimbursed in most instances when a recovery is made against the other person’s insurance. So be sure you get in touch with your own insurance carrier so that you can take advantage of any coverage that you have.

Also, make sure you follow up and we talked about the emergency attention, but follow up with medical care and treatment. Whether you seek emergency care or not, after the accident, the chances are you’re going to feel the effects of an accident in the hours or days that follow. Don’t delay, seek the appropriate care and treatment. Sometimes that will be emergency care. Sometimes that may require a visit with a family doctor or a chiropractor. And then once you’re seen by an initial treatment provider, there might be a determination made that you need further follow up with other treaters like physical therapists, orthopedist, neurologists, et cetera.

Also, keep in mind that if you lost consciousness or were dazed for even a short period of time following a collision that you may have suffered a concussion or a closed head injury. This can cause cognitive and behavioral changes if it’s not treated properly. So be sure to get that proper follow up.

Next issue to discuss, do not help the other person’s insurance company. You have an obligation to cooperate with your own insurance company, but there’s no such obligation with respect to the other driver’s insurance company.

That company representative may certainly reach out to you and attempt to get a recorded statement. Don’t do that. It may appear to be innocuous. It may appear to be innocent. But even though it may not lead to problems, it certainly can. Their job, bear this in mind, their job is always to minimize that insurance companies obligation to pay compensation to you. And they’re going to frame questions and information in the way best suited to do that.

So similarly, don’t sign anything that they ask you to sign. Don’t sign medical authorizations, don’t sign release forms. They may tell you that they need an authorization in order to review and pay your medical bills. However, they’re often going to use those authorizations to dig into your past medical history in order to argue that your injuries are related to something other than the accident. All information should be provided to that insurance company, via an experienced attorney who is representing you. And we’re going to talk about that again in a moment.

I do want to point out, however, that sometimes the insurance company that represents you is also the insurance company that represents the other party. So in those instances, you do, it’s kind of odd, because you do have an obligation to speak to the adjuster who is assigned on your policy, but you don’t have any obligation, and again, what I just outlined applies when it is the adjuster who is assigned for the other party’s policy, even though there is, it’s the same company, they’re supposed to keep those claims issues separate and apart.

That, again, is why it is important to speak to an attorney and make sure that you are compliant with your obligations under your own coverage, but you are not giving up opportunities to make arguments for compensation under the other person’s coverage.

So, as I mentioned, speak to an attorney. If your injuries warrant the attention of a treatment provider, they likely also warrant the attention of an attorney.

There are so many things that can go wrong when an accident victim tries to go it alone. As an accident victim, you’re not going to know what you’re obligated to provide to insurance carriers, nor are you going to know what you’re entitled to receive in the way of compensation. That creates an environment that allows accident victims to be exploited by greedy and unscrupulous insurance companies. And I’m not saying that all companies are that way, nor am I saying all adjusters are that way.

But the insurance industry hasn’t become a trillion dollar industry by willingly giving everyone the compensation to which they’re entitled. Their job is to try to resolve claims for as little as possible while they accept the premiums from their insureds. So an experienced injury attorney will know how to gather the necessary information, ensure that you get reasonable and necessary medical care or other care and treatment, and make sure that you’re properly compensated for your medical bills, your lost wages, your out of pocket expenses, property damage, pain and suffering and other damages.

To help your attorney get you that proper compensation, be sure that you’re also keeping a journal and or a file of your accident and treatment. Write down your memories of what happened in the accident, while those details are still fresh in your mind. Keep a journal that records your injuries and the way they’ve impacted your normal life activities. It’s also a good idea to keep a file in which you can store copies of medical bills and other receipts, accident reports, work records and correspondence between you and the insurance company representatives. Now, good attorney is also going to gather that from the sources, but it doesn’t hurt for you to start gathering that right away.

Also, make sure that you keep all of your treatment appointments and don’t do anything inconsistent with your care. Insurance companies will be watching. As I mentioned before, you have a duty to mitigate your damages. If you fail to keep your treatment appointments, there’s an argument that can be made that if you had done so, if you had properly treated, your injuries would not have been as, as difficult to deal with, they would have resolved quicker, et cetera. So you need to mitigate those damages by making sure that you are keeping those appointments.

You also don’t want to do anything inconsistent with your care, as I mentioned. So if you have a neck injury, it doesn’t make sense for you to try to go out bowling. And then, of course, somebody may post a photo of you enjoying yourself bowling. That’s obviously very inconsistent with your injuries and the care that your treatment provider may be attempting to provide.

Along those similar lines, do not share your case with other people. While you might be able to discuss what happened with your family, you should be cautious about talking to others about your accident, because conversations with friends or with the general public are not protected by confidentiality privileges. So specifically, never discuss your cra, crash or your injuries or your treatment or your dealings with the insurance company on social media.

So don’t post on Facebook, don’t post on Twister, Twitter or any other social media, because those posts and those comments can be used by the other side, if the case goes to trial, they can be admissible and they can be used against you. So be sure to avoid that.

I hope this information was useful. If you’ve been injured in a car accident, again, it’s extremely important that you get a personal injury attorney on board as soon as possible. I’m not here to solicit cases, but if you have any questions or need help with the car accident, feel free to contact me directly or contact VanDerGinst Law at 800-960-8529 or info@vlaw.com.

As with most, as with most personal injury attorneys, consultations are free and there’s never an attorney fee unless we get you compensation.

Thank you for listening to Legal Squeaks. Again, if you haven’t already done so, please register, subscribe, review and or like Legal Squeaks on your favorite podcast platform. You can check out the video recording of this podcast and other episodes at legalsqueaks.com. Also, please be sure to check out our other podcast, Uncommon Convos.

Look for us next week when we will have some more important legal and consumer information on Legal Squeaks. In the meantime, have a great day. Stay safe. And I love you all.

Anyone can make that kind of statement.  But can they prove it?  We can.  VanDerGinst Law is one of the only law firms in the country to have been awarded the Better Business Bureau’s Torch Award for Ethics.

We have also been awarded the Client’s Choice Award from Avvo Lawyer Rating Service and the Client Champion Award from Martindale-Hubbell Attorney Rating Service.

(Click here to see testimonials from some of our clients)

Our personal injury attorneys can assist you with just about every type of injury related claim, including but not limited to car accidents truck accidentsmotorcycle accidentsworker’s compensation, slip and fall accidentsdog attacksinjuries caused by dangerous or faulty productsmedical negligenceboating accidentsplane accidentsrailway accidentsconstruction accidentswrongful death,  and just about any other accident caused by negligence or the wrongdoing of another.

With over thirty years of experience and having represented over 50,000 injured clients, VanDerGinst Law understands what you are going through. We can relieve your worries and stress and get you the compensation you deserve.

Don’t delay, contact us today. Click here or call 800-797-5391 for a FREE, no obligation consultation.

They say a good lawyer knows the law, but a great lawyer knows the judge! At VanDerGinst Law we know injury law.  We have represented over 50,000 injury victims over the years. But we also know the judges, lawyers, medical providers, and insurance adjusters who are involved in injury claims and lawsuits!

We have made record recoveries for a variety of different types of injury cases.  We have been recognized by peers, clients, and other professionals as among the best in the country in personal injury law.

We recover millions of dollars for injury victims each year.  We will fight hard to get you the money you deserve!

(CLICK HERE TO SEE SOME OF OUR AWARDS AND ACCOLADES)

With national resources and local connections, our personal injury attorneys can get you the maximum compensation for your personal injury claim.

Our Personal Injury Lawyers Also Have the Inside Track into The Insurance Industry.  We do not, and never will, represent insurance companies, thus always ensuring that we never have a conflict of interest in representing our injury clients.  But we employ former insurance adjusters and insurance defense lawyers who know the tricks of the trade.  We put that knowledge to work for you!

If you have suffered serious injuries, you need a personal injury law firm that focuses on injury law, rather than a lawyer who occasionally “dabbles”.  The practice of law is a lot like the practice of medicine. There are practitioners who have “general” practices and others who specialize.

At VanDerGinst Law we focus on injury law.

We are not saying that general practice lawyers cannot handle an occasional injury claim. But, if you needed brain surgery you would see a brain surgeon, not the family doctor, nor a gynecologist. By the same token, you can feel completely confident that you will be in good hands with the personal injury lawyers of VanDerGinst Law.

We can expertly handle ANY injury case that comes our way.

At VanDerGinst Law we handle personal injury cases on a contingent fee basis.  That means that if we fail in getting you money for your injuries, there is NO ATTORNEY FEE.  You will NEVER be out of pocket a penny.  We do not get paid unless and until you do.  Our fee is a percentage of the amount recovered. The percentage depends on the type of case we handle and whether the case must be litigated.  But it is never more than 40% of the recovery and is usually between 20% and one third.

Additionally, even though other personal injury lawyers say they charge a contingent fee, they may also require a retainer fee for costs (for filing fees, expert fees, court reporter fees, postage, records, etc.)  That can often be hundreds, even thousands of dollars.  At VanDerGinst Law we charge NO RETAINER FEE on injury cases.  We forward all costs necessary to pursue your claim.

We know how devastating serious injuries can be.  You may be suffering pain and incurring medical bills.  You may not be able to work due to your injuries.  The personal injury claims process can be agonizing, confusing and frustrating. The last thing you need is to hassle with medical providers, insurance carriers and adjusters.

Let VanDerGinst Law handle the stress and mess so you can concentrate on getting better!

We make opening a personal injury case as quick and convenient as possible.  You can visit one of our convenient office locations, or if you prefer, we can come to you.

We can also open most files right on the phone or online! Video conferencing is also available!

We are available 24/7 every day of the year! Simply click here or call 800-797-5391

We do whatever is reasonably necessary to open your file as quickly and easily as possible.  Once we open your file, we take immediate action to investigate and position your case to get the maximum compensation you deserve.

Many law firms require injury clients to track down medical and other documents.  At VanDerGinst Law our Personal Injury Lawyers and professional staff do all the work necessary to document your injuries.  We obtain all the records from medical providers.  We coordinate health insurance, Medicare, Medicaid, medical payment insurance, and any other benefits which may apply to your case.  We negotiate with the insurance adjuster and other representatives of the opposing party.  We do our best to position your case for the best settlement possible.  If the opponent doesn’t offer a reasonable settlement, our highly experienced personal injury attorneys are prepared to do battle in court, where we will fight hard to get you the best result.