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Keys-Laying-on-Insurance-Policy-SmallCar insurance is required in all states. The law requires drivers to carry valid liability insurance in case they cause an accident that harms another person or damages their property. Drivers caught operating a vehicle without valid coverage can be subject to fines and citations for financial responsibility. Repeat offenders may be subject to imprisonment. In most states, vehicle owners are only required to purchase liability coverage. Vehicle owners then have the option of purchasing additional coverage to protect them in the event that they are involved in an accident with an uninsured or underinsured driver.

When it comes to purchasing auto insurance, the term “full coverage” is thrown around fairly often. Before making the ultimate decision, people consider the price of additional coverage and the likelihood they feel they may use it. It is common to hear many who have the following types of coverage believe they have full coverage.

  • Liability coverage. This covers bodily injuries and property damage caused by your negligence, or the negligence of an authorized driver. This coverage is required in all states.
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Man-Car-at-Crosswalk-SmallNashville, Tennessee, is one of the fastest-growing cities in the United States. The 13-county Nashville metropolitan area is currently home to nearly 1.8 million people. According to data tracked by the U.S. Census, this area gained close to 31,000 people per year between 2010 and 2015. This annual growth rate of 1.8% is more than double the national growth rate of 0.8%. A surging population has contributed to an economic boom in Nashville and Davidson County, but it has also come at a cost. Pedestrian deaths are on the rise.

As of October 2017, 19 pedestrians have died in Nashville. In the entire year of 2016, just 16 pedestrians were killed. With Nashville roads being crowded, many people walk when possible to avoid such dense traffic. According to safety experts, pedestrians are most at risk during the winter months, in part because it gets dark much earlier. As a result, people are walking home when it has already become dark.

Is there anything that can be done to fix this problem? In Middle Tennessee, two organizations have decided to team up – Walk Bike Nashville and the Tennessee Highway Safety Office. Together, they have created a campaign called “Look For Me,” designed to raise awareness for pedestrians. According to Walk Bike Nashville, pedestrian fatalities are expected to reach 24 this year, nearly double from 2009, which saw 13 fatalities.

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Gavel-wScales-of-Justice-Medium-SmallIn a great victory for people injured in Tennessee, Nahon, Saharovich & Trotz lawyers Glenn Vines, Mark Geller, Kevin Graham, and Jason Yasinsky were able to ensure injured victims have the right to submit the full value of their medical expenses in their personal injury claim. This case, Dedmon v. Steelmon, was argued all the way up to the Tennessee Supreme Court.

Plaintiff Jean Dedmon originally filed suit in the Circuit Court of Crockett County, Tennessee, for injuries sustained in an automobile accident. As part of the lawsuit, Dedmon attached her full medical bills for hospital treatment and doctor visits caused by the accident. While the case was pending, the Supreme Court of Tennessee issued an opinion in another case, West v. Shelby County Healthcare Corporation. That case dealt primarily with hospitals that filed liens (pursuant to Tennessee’s Hospital Lien Act) for the full amount of treatment billed to the patient, regardless of whether they had health insurance. While health insurance companies often pay at discounted rates due to contractual agreements with providers, the Court ultimately decided that based on the language of the hospital lien law, the hospital’s lien is limited to the discounted amount paid by the patient’s health insurance company.

Counsel for Steelman took that holding and sought to apply the principle to all of Dedmon’s medical bills. The trial court agreed and ruled that Dedmon could not submit the full amount of her medical expenses to the jury; instead, she could only submit the amounts of the contractually-agreed payments that the providers accepted from her insurance company. NST Law, on behalf of Dedmon, appealed that decision. After both sides submitted legal briefs and argued their respective positions, the Tennessee Court of Appeals reversed the trial court ruling, stating Dedmon could introduce her full bills but Steelman could introduce proof contradicting the reasonableness of those bills. Steelman moved to appeal this ruling to the Tennessee Supreme Court.

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Taxi-Service-on-Mobile-SmallThere is no doubt that ridesharing companies such as Uber and Lyft have surged in popularity in recent years. Uber was founded in 2009, while Lyft came along in 2012. These companies serve a useful purpose – affordable transportation at the hands of your fingertips. Across the world, people use ridesharing companies to get from Point A to Point B. Ridesharing can satisfy all of one’s transportation needs – taking people to dinner, sporting events, and even to and from work each day.

When people open the Uber or Lyft app and select a ride, they trust they will be in good hands when they get inside the vehicle. After recent events, getting to a destination without an accident is no longer the top concern. Recent lawsuits have alleged Uber drivers sexually assaulted female passengers. In light of these reports, it is natural to consider whether ridesharing companies do enough to prevent these crimes in the first place, and whether they can face legal liability for their drivers’ actions.

Typically, employers are held responsible for acts of employees committed in the course and scope of employment. For instance, if you were rear-ended by an Uber driver who was transporting a passenger, Uber’s liability policy would likely pay for your losses. This legal principle of respondeat superior may not directly apply in the context of an assault. For starters, sexual assault is an intentional act, in contrast to a negligent act such as running a stop sign. Similarly, abusing a passenger does not fall within the course and scope of employment, which is to transport a passenger to their final destination. Further, Uber is notorious for classifying drivers as independent contractors rather than employees. While the employer’s determination is not determinative, additional factors must be considered.

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Train-Moving-on-Tracks-SmallA recent train crash in the Binghampton area of Memphis serves as a reminder to us all – be extremely careful when approaching train tracks. In the early hours of November 14, 2017, a train collided with a vehicle in Binghampton near Pershing Avenue and Scott Street. According to Memphis Police Department, the law enforcement agency that responded to the scene, the driver got caught between the railroad arms as she was crossing over the tracks. Fortunately, she had enough time to get out of her vehicle and out of harm’s way.

Unique Dangers Involving Trains

It takes much longer for a train to come to a stop than it does for cars and SUVs driven by private citizens. Below are interesting statistics to put all of this in context:

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Texting-and-Driving-SmallTexas is taking a unique approach to combat a systemic issue in America – distracted driving. Those applying for a new driver’s license must now take additional steps than people who have tried to get a license in years past. If you are 18 years old or older, you must now take a driving skills test and one hour course on distracted driving awareness. While 16 and 17-year-old drivers have had to take their own courses for distracted driving, this is a new requirement for adults 18 and older. At this time, the Texas Department of Public Safety is planning on introducing a distracted driving course geared towards adults who are 25 years old and older as well.

Distracted driving has always come with problematic side effects, and these have magnified in recent years. Many people blame progress in technology on the increase in distracted driving accidents across the United States today. According to the Centers for Disease Control and Prevention (CDC), nearly 9 people are killed each day in an accident that involves at least one driver who was distracted at the time of the crash. Just as alarming, over 1,000 people get hurt each day in these types of crashes.

Why does technology lead to more distracted driving related car accidents? For starters, people of all ages have access to a variety of personal devices that can be used at any point in time. Devices like cell phones and tablets are always tempting to use. People think they can look down at their phone to check email, send a text message, or browse social media websites like Facebook, even for a split second, and be fine. However, studies show that taking your eyes off the road to send or read a text message for just five seconds is long enough for your car to drive across an entire football field going 55 mph.

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crash-car-1180834-SmallExercising caution and safety behind the wheel is, and should be, stressed year-round. However, each year, an entire week is dedicated to promoting safety among teen drivers, and it is appropriately called National Teen Driver Safety Week (NTDSW). This year, it was held over the week of October 15-21. While this topic should always be discussed and promoted, safety is particularly stressed during this designated week.

Of all age groups, teens are some of the individuals most-susceptible to getting hurt while driving or riding in a vehicle, according to safety experts. Drivers between 15-20 years old are most vulnerable to passing away in a car accident. Many reasons have been given, including lack of driving experience, immaturity, drug and alcohol abuse, driving while distracted (such as using cell phones and listening to music), and driving while drowsy. To reduce teen driver accidents, the National Highway Traffic Safety Administration is taking action.

NTDSW includes several campaigns, each with its own message.

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IMG_2209-SmallThis November, attorneys and staff members from Nahon, Saharovich & Trotz’s Memphis and Jackson offices had an excellent time participating in the 6th Annual Chili Cook-Off benefiting the Exceptional Foundation of West Tennessee (EFWTN). The EFWTN is a nonprofit organization, and its mission is to “enrich the lives of people with intellectual disabilities by meeting their social, recreational and continued educational needs.”

At this year’s Chili Cook-Off event, our firm prepared Texas Chili to be submitted to the judges. In total, there were more more than 15 teams that participated. In addition to serving chili to attendees, our booth featured arts and crafts and face painting for all of the kids in attendance.

The Chili Cook-Off is a large fundraiser for the EFWTN, and proceeds go towards funding programs for participants throughout the year. As always, we had an excellent time, and it was rewarding to be able to benefit such a great cause. Our team is already looking forward to next year!

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Happy-Halloween-Pumpkins-SmallHalloween appeals to people of all ages, and this time of year always brings fanfare and activities like dressing up in costumes, carving pumpkins, trick or treating, haunted houses, and corn mazes. While having fun is always a goal on Halloween, an equally important goal should be staying safe.

Across the country, millions of children and their parents will be out on the street to trick or treat on Halloween. According to Safe Kids Worldwide, children are more than twice as likely to be struck by a car and killed on Halloween than on any other night during the year. Another issue on Halloween is drunk driving. Halloween is known as a party night, and one study has shown alcohol violations/citations are 4.5 times higher when Halloween falls on a weekend compared to a weekday.

Using due care, being aware of your surroundings, and not taking unnecessary risks are all ways to avoid injuries and get to and from your destination in one piece. Below are specific tips that parents, families, and members of the community can utilize to make Halloween 2017 a safe holiday.

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On October 5, 2017, a federal jury in Chicago, Illinois found large drug manufacturer AbbVie, Inc. liable for injuries caused by AndroGel, a testosterone replacement therapy treatment known to cause serious medical problems, such as heart attacks and strokes. The multi-week trial was held in the United States District Court, Northern District of Illinois. After deliberating for nearly two days, a Tennessee man was awarded over $140 million by the jury who found that AndroGel caused him to suffer a heart attack. The verdict consisted of $140,000.00 in compensatory damages and $140 million in punitive damages, as AbbVie was found responsible for negligence, misrepresentation, and concealment of AndroGel’s risks.

The plaintiff was prescribed AndroGel in 2010 for symptoms his primary care physician attributed to low testosterone levels. Two months later, he suffered a heart attack. At trial, attorneys for the plaintiff argued he suffered the heart attack due to AndroGel, and experts testified about the link between AndroGel and cardiovascular risks. Further, evidence was introduced that AbbVie failed to adequately warn consumers and their healthcare providers of the significant health risks associated with AndroGel despite known medical research. AbbVie disputed liability and minimized AndroGel’s role in the heart attack, instead pointing to pre-existing medical conditions and claiming the company complied with U.S. Food & Drug Administration (FDA) regulations in effect at the time.

Low testosterone treatments were aggressively marketed to millions of middle-aged men for over 15 years without regard for whether they truly had the conditions for which it received FDA approval,” said Parker Trotz of Nahon, Saharovich & Trotz, one of the team attorneys for the plaintiff. “With this verdict, the jury sent a strong message that it is unacceptable for large pharmaceutical companies to prioritize profits over people by failing to conduct sufficient testing and knowingly hiding risks of adverse side effects to innocent consumers.”