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Court Radio: What You Need to Know About Bus Accidents and Bus Safety

Bus accidents have been on the rise, from school bus crashes to tour bus disasters to city bus incidents that have left passengers and people in other vehicles badly injured or killed.

On “Court Radio” at 7 a.m. on Sunday, the topic of bus accidents and what you need to know to protect yourself and your loved ones will be featured with our special guest, attorney Mandeep Singh Chhabra. Chhabra will join MyPhillyLawyer managing partner Dean Weitzman and his co-host David Rapoport on Court Radio to explain your rights in such accidents and how you can better protect the interests of your family.

Court Radio is broadcast live at 7 a.m. every Sunday morning on Philadelphia’s WRNB 100.3 FM, with a simulcast on Magic 95.9 FM in Baltimore. You can also listen live on the Internet at WRNB 100.3 or on Magic 95.9 via streaming audio.

A passenger bus sits on a roadside after a severe crash. Image credit: © iStockphoto.com/airportrait

Just this week a spate of bus accidents has been in the headlines across the U.S.

Seventeen people were hurt when a Metrobus collided with a car early this morning in Washington, D.C., according to a report from WTOP FM 103.5 radio.

In another incident, a bicyclist was struck and killed by a school bus in Arlington, Fla., near Jacksonville, according to WOKV.com News.

Even the tour bus for the singer, Bucky Covington, was in a crash with a Goodwill truck in Birmingham, Ala.

In February, an 11-year-old girl was killed and her two sisters were critically injured in a school bus accident in New Jersey when the bus was struck by a dump truck just south of Trenton.

Even more serious tour bus accidents have been in the news often in the last few years.

Last March, two people were killed when a privately owned tour bus crashed into a guardrail and a concrete embankment on the New Jersey Turnpike and veered into a drainage ditch on the side of the highway, according to a story in The Star-Ledger newspaper in Newark, N.J.  Forty other passengers were injured on the bus, which was heading to Philadelphia from Chinatown in New York. MyPhillyLawyer is representing two passengers on this bus.  The tour bus company involved in this crash has one of the worst driver safety records in the bus industry, according to a story in The Star-Ledger.

And last August, another tour bus struck the rear of a tractor-trailer rig that had run into the rear of another truck on a traffic-snarled, southbound section of the New Jersey Turnpike, The  Star-Ledger reported. The driver of the bus died several days after the crash due to critical injuries, while at least 16 other people were injured.

In another incident last June, four bus passengers died in Virginia when the discount tour bus they were traveling on swerved off Interstate 95 about 30 miles north of Richmond and overturned, according to an Associated Press story on NJ.com.  That bus company, Sky Express Inc. of Charlotte, N.C., was shut down indefinitely by the U.S. Department of Transportation in May, according to CBS 3 New York.

The worst tour bus crash last year in the U.S. also occurred last March when 14 passengers were killed and 19 others were injured when a Manhattan-bound bus overturned on a Bronx highway, according to a story in The New York Times. The passengers on the bus were returning to New York’s Chinatown after a night of gambling in a Connecticut casino.

MyPhillyLawyer recently settled a bus accident case for $175,000 for a client who was seriously injured when a school bus driver crashed into her car as the bus made a left turn. Upon investigation by MyPhillyLawyer, the bus driver had failed some of his training by the bus company but was still out on the roads.

In another case involving a SEPTA bus in Philadelphia, an elderly man was killed when he was thrown on his head as he stood riding inside a bus that stopped quickly as it tried to avoid a crash with another vehicle.

So what do you do if you are in an accident as a passenger on a bus or if your vehicle is struck by a bus? How can people protect their rights?

One thing that depends is what the laws are in the state where the accident occurs, said Chhabra, an attorney with the Annapolis, Md., law firm of Cochran, Cochran & Chhabra.  Laws for such cases are different in Pennsylvania and Maryland, he said.

“A lot of buses in Maryland are state-owned or owned by local governments,” which subjects such cases to special rules regarding lawsuits, he said. “There’s a notice requirement that has to be given to the state” to notify the government if you are intending to sue after an incident involving a vehicle operated by the state. “The regular statute of limitations [of three years] doesn’t apply.”

The notice requirements are very stringent, he said, and can be as short as six months. A plaintiff injured in a crash with a state-operated vehicle still has a three year statute of limitations in which to file a lawsuit, but the notice requirement means you also have to inform the state that a lawsuit will be filed or you lose your ability to sue, Chhabra explained.

Chhabra earned his law degree from the University of Maryland School of Law in Baltimore and earned his bachelor’s degree in psychology from Boston University.

Be sure to tune in for Court Radio at 7 a.m. Sunday to hear more about bus accidents and your rights with co-hosts Dean Weitzman and David Rapoport and their guest, Mandeep Singh Chhabra. And remember to call in with your own questions and comments.

About Court Radio

Listeners can call in with their legal questions to 800-539-1479 or they can email their questions to AskDean@CourtRadio.com. Participants are asked to only ask or submit ONE question each time so that all callers have a chance to discuss the legal topics that are on their minds.

Court Radio is the place to ask your legal questions and get real answers from lawyers with a deep background in the law, from personal injury to contracts and estates, insurance and much more.

Most weeks, Dean brings in a special guest to answer your legal questions and provide information on a dizzying array of legal topics, all with humor, good advice and at no charge to callers. You can even listen to past shows and their featured guests by downloading or listening to stored podcasts.

A production of WRNB-FM radio in Philadelphia, Court Radio is brought to you each week by the law offices of Silvers, Langsam & Weitzman, P.C., which is known throughout the Philadelphia area as MyPhillyLawyer.

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Home Horrors: Child Loses Feet in Lawn Mower Accident in Her Yard

In just an instant, a five-year-old Maryland girl lost both of her feet when she walked up behind her father as he mowed the grass with his ride-on lawn tractor in their yard.

The horrific accident is a stark reminder of the need for safety around lawn maintenance equipment, especially with spring yard work firmly underway in communities across our nation.

The accident occurred in Forest Hill, Maryland, when the girl’s father didn’t see her behind him as he placed the lawn tractor into reverse, according to a story in The Baltimore Sun. Both of her feet were severed by the blades of the tractor, according to emergency officials. “The girl was flown to Johns Hopkins Children’s Center where her feet could not be saved,” the story reported.

According to Baltimore’s Johns Hopkins Children’s Center, “lawn mower injuries are the leading cause of amputations in adolescents,” the story reported. “Such accidents send 9,400 U.S. children to the hospital each year. Most commonly they have cuts, fractures and amputations to the hands, feet and legs. About 95 percent of those treated at Hopkins between 2000 and 2005 were amputations that required reattachment or reconstructive surgery.”

Such accidents take an emotional toll on families as well when children are accidentally injured while performing such mundane chores.

Safety experts recommend that you never operate a lawn mower when children are nearby to avoid causing serious injuries. Image credit: © iStockphoto.com/Pgiam

According to the Web site HealthyChildren.org, power lawn mowers are one of the most dangerous tools around the home. They injure about 68,000 persons annually, including 9,000 children under 18. “Older children and adolescents were most often hurt while cutting lawns as chores or as a way to earn money,” the group stated. “Lawn mower injuries include deep cuts, loss of fingers and toes, broken and dislocated bones, burns, and eye and other injuries. Some injuries are very serious. Both users of mowers and those who are nearby can be hurt.”

To prevent such injuries and keep our children out of harm’s way, there are some important safety tips to follow when using power equipment for yard work and lawn maintenance, according to the American Academy of Pediatrics:

  • Make sure that children are indoors or at a safe distance well away from the area that you plan to mow.
  • Do not pull the mower backward or mow in reverse unless absolutely necessary, and carefully look for children behind you when you mow in reverse.
  • Do not allow children to ride as passengers on ride-on mowers.
  • Use a mower with a control that stops the mower from moving forward if the handle is let go.
  • Children younger than 16 years should not be allowed to use ride-on mowers. Children younger than 12 years should not use walk-behind mowers.
  • Make sure that sturdy shoes (not sandals or sneakers) are worn while mowing.
  • Prevent injuries from flying objects, such as stones or toys, by picking up objects from the lawn before mowing begins. Use a collection bag for grass clippings or a plate that covers the opening where cut grass is released. Have anyone who uses a mower wear hearing and eye protection.

Lawn mowers are very powerful tools which account for a large percentage of accidental partial or complete amputations just by their nature, according to the American Academy of Orthopaedic Surgeons. “The energy transferred by a typical lawn mower blade is equivalent to being shot in the hand with a .357 Magnum pistol,” states an article on the group’s Web site. “The speed of the blade can send dirt and bacteria deep into a wound, creating a high risk for severe infection. In addition, a lawn mower can eject a piece of metal or wood up to 100 miles per hour.”

To keep children safe around such machines, the group recommends:

  • Teaching children to stay away from all running lawn mowers.
  • Children should not be allowed to play in or near where a lawn mower is being used.
  • Never allow a child or another passenger to ride on a mower, even with parents. Doctors commonly see children with severe injuries to their feet caused by riding on the back of a rider mower with a parent or grandparent.

Keeping our children safe is critical to all of us. Accidents do happen but it is up to us all to always keep in mind that dangers can always lurk when we are using dangerous and powerful equipment such as lawn mowers and other power equipment around the house and yard.

Remember to follow all safety rules and recommendations as you operate such equipment and always remember to be sure that small children are not nearby when you are mowing or operating other machinery.

Let’s keep this spring, summer and fall safe for us all when we are working in the yard.

Our sympathies go out to the young Maryland youngster who was severely injured by a lawn mower and we send our thoughts and prayers to her and her family as she recovers from her injuries.

We hope that we all learn from her experience and help prevent similar tragedies elsewhere.

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Springtime Driving Safety: Be Extra Cautious for Pedestrians, Bicyclists and Motorcyclists

Children darting in front of moving cars, runners out getting a good workout, bicyclists migrating onto the roads after a winter layover and motorcyclists back out on their machines, enjoying the warmer weather as it arrives again – these are sure signs that spring is truly upon us.

With that, it’s also a great time as drivers to remember that we share the road with pedestrians and smaller two-wheeled vehicles that are no match for the weight, mass and power of our cars, SUVs and trucks when accidents occur.

As motorists, we all need to be careful and more aware to protect ourselves from legal liability in the event of an accident involving a pedestrian or a two-wheeled vehicle. And if it’s one of us walking, running or riding a bicycle or motorcycle, then we also need to understand our rights and protections as well when we are on the roadways.

Bicyclists and cars share the road in this photo taken in New York's Greenwich Village, where cars, pedestrians and bicycles operate in close quarters every day. Image credit: © iStockphoto.com/JayLazarin

A good way to accomplish this is to make adjustments for the extra activity as we drive on seemingly quiet streets in our neighborhoods or along busier roads where hazards may be less obvious.

Thousands of people are injured or killed in traffic accidents involving pedestrians, motorcycles and bicycles each year in the U.S.

In the U.S., 630 bicyclists were killed and another 51,000 were injured in accidents involving motor vehicles, according to NHTSA statistics.  The number of fatalities was down 12% from the 718 deaths reported in 2008, according to the agency.

The number of pedestrians, including walkers and runners, who died across the U.S. in 2009 in accidents with motor vehicles stands at 4,092, according to NHTSA statistics.

Across the U.S., 4,462 motorcyclists died in 2009 in traffic accidents, according to the latest complete statistics available from the National Highway Traffic Safety Administration (NHTSA), compared with 2,483 deaths a decade earlier in 1999.

You and your loved ones certainly don’t want to become one of those tragic statistics. The monetary losses from those injuries and deaths are also significant and you certainly don’t want to be on the wrong end of any legal judgments in such cases.

As drivers of cars, trucks and SUVs, we always need to remember to watch carefully for smaller, less visible vehicles like bicycles and motorcycles as we drive. Remember to double-check your blind spots surrounding your vehicle and try to anticipate what bicyclists and motorcyclists are going to do as they cross your path.

Drivers in Pennsylvania also need to keep in mind that new laws went into effect recently that require drivers to give bicyclists a much wider berth on roadsat least four feet of room when passing bicycle riders on public streets. The new law makes it legal for drivers to cross the painted yellow lines on streets as they negotiate to give bicyclist safe room for passing. Now you don’t have to worry about being ticketed by a police officer for crossing the yellow lines as you pass a bicyclist.

Bicyclists can obtain some great advice on riding safely on public roadways and how to avoid the most common types of bicycle/vehicle crashes at the “How Not To Get Hit By Cars” Web site, which includes helpful and easy-to-understand tips and illustrations on avoiding the top 10 types of bicycle/motor vehicle crashes, such as when a driver opens a door in front of a cyclist to a vehicle that pulls out in front of a bicyclist without seeing it.

Parents of younger cyclists can also help their children learn about safer riding styles by sharing The National Highway Traffic Safety Administration’s (NHTSA) “Kids and Bicycle Safety” Tip Sheet to give good advice about bike safety.

Among the key rules of the road for children, from the NHTSA:

  • Go With the Traffic Flow. Ride on the right in the same direction as other vehicles. Go with the flow – not against it.
  • Obey All Traffic Laws. A bicycle is a vehicle and you’re a driver. When you ride in the street, obey all traffic signs, signals, and lane markings.
  • Yield to Traffic When Appropriate. Almost always, drivers on a smaller road must yield (wait) for traffic on a major or larger road. If there is no stop sign or traffic signal and you are coming from a smaller roadway (out of a driveway, from a sidewalk, a bike path, etc.), you must slow down and look to see if the way is clear before proceeding. This also means yielding to pedestrians who have already entered a crosswalk.
  • Be Predictable. Ride in a straight line, not in and out of cars. Signal your moves to others.
  • Stay Alert at All Times. Use your eyes AND ears. Watch out for potholes, cracks, wet leaves, storm grates, railroad tracks, or anything that could make you lose control of your bike. You need your ears to hear traffic and avoid dangerous situations; don’t wear a headset when you ride.
  • Look Before Turning. When turning left or right, always look behind you for a break in traffic, then signal before making the turn. Watch for left- or right-turning traffic.
  • Watch for Parked Cars. Ride far enough out from the curb to avoid the unexpected from parked cars (like doors opening, or cars pulling out).

And for bicycle riders under 10 years of age, the NHTSA suggests riding on sidewalks rather than on streets. If you do ride on a sidewalk:

    • Check the law in your State or jurisdiction to make sure sidewalk riding is allowed.
    • Watch for vehicles coming out of or turning into driveways.
    • Stop at corners of sidewalks and streets to look for cars and to make sure the drivers see you before crossing.
    • Enter a street at a corner and not between parked cars. Alert pedestrians that you are near by saying, “Excuse me,” or, “Passing on your left,” or use a bell or horn.

When driving near pedestrians, it’s always wise to use extra caution, according to PennDOT’s DriveSafe.org Web site.

Drivers should be especially attentive around special pedestrian safety areas which use traffic-slowing devices in intersections or along busy roadways. The safety areas use clear signs to remind motorists to yield to pedestrians and to stop when people are in the special crossings, according to PennDOT.

“The signs are designed to remind motorists of Pennsylvania law requiring the operator of a vehicle to yield the right of way to a pedestrian crossing a roadway within any marked crosswalk or within any unmarked crosswalk at an intersection where there are no traffic controls or traffic controls are not in operation,” the agency says. Violators of the law are subject to a $50 fine.

PennDOT has distributed more than 6,800 devices since 2001, while pedestrian crashes have fallen by 25 percent over that time, the agency reports.

Motorcyclists have their own special safety needs on our roadways. When operating a motorcycle, you should wear full protective gear including a helmet, jacket, gloves, long pants and boots to protect you in the event of an accident, according to the Motorcycle Safety Foundation (MSF). The MSF also offers excellent rider training programs for beginning motorcyclists as well as advanced classes for expert riders to help build and maintain your survival skills on the roads. All motorcyclists should take advantage of such opportunities.

For operators of both motorcycles and bicycles, one of the best ways to protect yourselves is to ride as though you are invisible to other motorists. Imagine that they can’t or don’t see you and ride defensively to protect yourself at all times.

Safety is the responsibility of all of us, from motorists of the four-wheeled kind to motorcyclists and bicyclists.

As you drive this summer, remember to practice safe driving habits by carefully watching for vehicles of all sizes and be sure to maintain adequate following distances. In addition, be sure to use caution around slower-moving vehicles and drive defensively rather than aggressively to help minimize the dangers to yourself and others on the roads.

A lawsuit or major injury from a collision or crash involving a bicyclist or motorcyclist would turn the joys of summer into a nightmare.

Yes, accidents and injuries can happen anywhere and anytime, but if we all use more caution and remain more aware of the traffic situation around us, we can improve safety for everyone.

And remember, if you are injured in a motorcycle, bicycle or pedestrian accident, contact MyPhillyLawyer for caring, skilled and compassionate legal representation.

When winning matters most, call MyPhillyLawyer. We’re here to help you and your family.

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Bronx SUV crash kills 7 family members, leaving unanswered questions

The investigation is continuing into a horrific SUV crash near the Bronx Zoo in New York that killed seven people from three generations of one family. Now the questions into the crash begin as authorities work to figure out what happened.

The family members were traveling south on the Bronx River Parkway next to the grounds of The Bronx Zoo when the 2004 Honda Pilot SUV they were riding in “bounced off the median, crossed three southbound lanes and hit the curb, causing the vehicle to become airborne, continue over the guardrail and plunge 59 feet,” according to a story by The Associated Press (AP).

The crash killed Jacob Nunez, 85, and Ana Julia Martinez, 81, who were visiting from the Dominican Republic, their daughters, Maria Gonzalez, 45, and Maria Nunez, 39, and three grandchildren, ages 10, 7 and 3, the story reported. Gonzalez was driving, according to police.

Emergency crews arrive to assist at the scene of an overturned SUV in this stock photo of an accident. Image credit: © iStockphoto.com/BrandyTaylor

All of the victims were wearing seat belts, and no other vehicles appeared to be involved in the crash, police said.

The cause of the crash is not yet clear, the AP story reported. The vehicle didn’t hit the guardrail but apparently went over it after striking the median and hitting a curb which propelled it into the air, according to accident investigators. The vehicle landed on its roof, killing all seven passengers instantly.

This wasn’t the first crash in that same stretch of roadway recently, the story said. “Last June, the driver of an SUV heading north lost control and the SUV hit a divider, bounced through two lanes of traffic and fell 20 feet over a guardrail, landing on a pickup truck in a parking lot,” the story said. No one died in the earlier crash.

This latest crash has inspired the borough president of the Bronx to ask city agencies to “look at safety issues on the highway including guardrail height,” according to the AP.

Because this was the second similar crash in a year in the same area, authorities will take a look to see if higher fences and guardrails are needed, according to a blog post by The New York Times.

“After this happened one time, I think there’s some thought that it’s freak occurrence,” said John DeSio, a spokesman for the Bronx Borough president. “But it has happened again. So we’ll be speaking to the appropriate agencies and examining whether appropriate safety measures, such as higher fences and guard rails, should be taken.”

A story in The New York Post reported that the Honda Pilot was traveling “‘at a high rate of speed’ — about 70 mph in a 50-mph zone — when it suddenly veered into the center divider at about 12:30 p.m.,” according to police.

“They flew right over the guardrail, didn’t even touch it,” a law-enforcement source told the paper.

Another official told the paper that they believed that the vehicle accidentally struck the median divider, then the driver tried to correct the error and turned right, causing the vehicle to go over the guardrail.

For the families, the grief and healing processes have begun and it will take quite some time for true healing to arrive.

For investigators, the crash leaves many questions that will have to be answered, including how could the vehicle have jumped over a guardrail that was allegedly meant to contain a vehicle so it wouldn’t careen off the road and into the deadly area below?

That’s one of the issues that attorneys will no doubt investigate if the family would decide to file lawsuits in connection with the crash.

Could a low guardrail at the scene of the crash contributed to the deaths of the passengers?

How did the design for a low guardrail gain approvals when the road was built?

Was this all investigated when another similar crash occurred in the area last June, when another vehicle went over the guardrail?

If not, why not?

Those are the kinds of things that professional attorneys investigate on behalf of their clients so that no stone is unturned when working to assist clients who have suffered losses and injuries.

The answers in this crash are still out there.

We hope that officials in the Bronx quickly determine whether safety improvements need to be made along this stretch so that future tragedies can be avoided.

If you or your loved ones are involved in a vehicle crash which leaves you seriously injured, we here at MyPhillyLawyer stand ready to discuss your case and help you plan your legal strategy.

When Winning Matters Most, call MyPhillyLawyer.

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Court Radio: New Methods of Fighting Gun Violence in Our Cities, tune in at 7 a.m. Sunday

Finding effective ways to sharply reduce gun violence in our cities is the aim of a national “CeaseFire” program that spread to Philadelphia last July.

On “Court Radio” at 7 a.m. tomorrow, Sunday, Marla Davis Bellamy, the director of Ceasefire Philadelphia, the latest of 12 U.S. cities to host the effort, will be our special guest to talk about the program and how it is being used in one of the city’s most dangerous police districts. Bellamy will join MyPhillyLawyer managing partner Dean Weitzman and his co-host David Rapoport on Court Radio to talk about efforts to stem gun violence.

Court Radio is broadcast live at 7 a.m. every Sunday morning on Philadelphia’s WRNB 100.3 FM, with a simulcast on Magic 95.9 FM in Baltimore. You can also listen live on the Internet at WRNB 100.3 or on Magic 95.9 via streaming audio.

The CeaseFire Philadelphia program, which is run through the Temple University Medical School’s Center for Bioethics, Urban Health and Policy, is the 12th such project in cities across the nation, Bellamy says. It was begun in one police district in Chicago about 15 years ago and now has spread to 25 districts there, where it is helping to reduce gun violence. Programs are being run in cities including Baltimore, New York City, Phoenix, East St. Louis, New Orleans and Oakland, Calif.

Marla Davis Bellamy, image courtesy Temple University

“We’re duplicating an effort started in Chicago by an epidemiologist who discovered that you can stop violence using same efforts that you use when fighting public health threats,” Bellamy says. “It’s a community-based approach. The premise is that violence is a public health issue and can be prevented.”

The program works by finding, hiring and training ex-offenders, whether they are former drug dealers, formerly involved in gun violence or involved in other serious crimes, and putting them onto the streets in targeted neighborhoods as outreach workers to help change attitudes and social norms, she says.

“They are charged with managing a caseload of 15 to 20 high-risk individuals,” Bellamy says. “Those individuals could be high-risk for gun violence, they could be members of a gang or they could even be gunshot victims. We’re actually looking to find the worst of the worst, primarily those who are the shooters,” to help change their attitudes and help them move on to more productive lives.

The caseworkers spend four to five hours a day on foot and walk through the target neighborhood, which in this case is in the 22nd Police District in North Philadelphia. The district stretches from 22nd and Lehigh streets to33rd and Lehigh, then from Fairmount Park to Poplar Street.

“They canvass that area walking the streets and talking to residents and business leaders, and through those connections identify individuals who could benefit through our program,” Bellamy says. “They recruit them to get them to turn their lives around, to start doing things the right way, to stop selling drugs, to stop shooting.”

The program works, she says, because it is ex-offenders who are going out and talking to current offenders and showing them how they were able to make effective changes in their own lives, she says. “We’re getting the ex-offenders involved because they’ve been there and have done that.”

The program in Philadelphia hired its first outreach workers last July and was in the planning stages for a year before getting underway.

“People need to really think about violence as a learned behavior rather than as a criminal element,” Bellamy says. “Many of our young people are just acting out or doing what they have seen all of their lives.”

And though the program here is still young, it is beginning to show good results, she says.

“We have definitely seen at least a 25 percent reduction in homicides or shootings in this calendar year in that district, which can be attributed at least in part due to the program,” Bellamy says.

The program in Baltimore has also been realizing good results, according to a story from CeaseFire Chicago.

“CeaseFire’s track-record for effectiveness in reducing shootings and killings was validated earlier this month in Baltimore by a three year Johns Hopkins University study of four historically violent neighborhoods—McElderry Park, Elwood Park, Madison-Eastend, Cherry Hill—showing a statistically significant decline in either homicides or nonfatal shootings or both in each of the communities,” the story reported.

Bellamy is a former chief of staff for the Pennsylvania Department of Health, and learned of other CeaseFire programs around the nation through the Robert Wood Johnson Foundation. The idea caught her interest and lured her to take her post.

In addition to her work with CeaseFire Philadelphia, she is the Director of Strategic Partnerships at the Temple University Center for Health Law, Policy and Practice. She also holds a joint appointment at the law school and the medical school where she serves as the Executive Director of the Center for Minority Health and Health Disparities. She formerly served as the Executive Director of the Anti-Violence Partnership of Philadelphia. Bellamy earned a bachelor’s degree in communications from Johnson C. Smith University, a Master of Governmental Administration degree from the Fels Center of Government at the University of Pennsylvania and a law degree from Temple University Beasley School of Law.

Be sure to join us for Court Radio at 7 a.m. Sunday to hear more about the CeaseFire programs with co-hosts Dean Weitzman and David Rapoport and their guest, Marla Davis Bellamy. And remember to call in with your own questions and comments.

About Court Radio

Listeners can call in with their legal questions to 800-539-1479 or they can email their questions to AskDean@CourtRadio.com. Participants are asked to only ask or submit ONE question each time so that all callers have a chance to discuss the legal topics that are on their minds.

Court Radio is the place to ask your legal questions and get real answers from lawyers with a deep background in the law, from personal injury to contracts and estates, insurance and much more.

Most weeks, Dean brings in a special guest to answer your legal questions and provide information on a dizzying array of legal topics, all with humor, good advice and at no charge to callers. You can even listen to past shows and their featured guests by downloading or listening to stored podcasts.

A production of WRNB-FM radio in Philadelphia, Court Radio is brought to you each week by the law offices of Silvers, Langsam & Weitzman, P.C., which is known throughout the Philadelphia area as MyPhillyLawyer.

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Life Insurance Companies Reach Settlements For Failing to Pay Beneficiaries

Imagine buying a life insurance policy to protect your family if something should happen to you, and then imagine that your insurance company fails to notify your beneficiaries that they have money coming to them when you die.

That’s what has been happening across the United States when insurers haven’t always been doing all they can to locate life insurance beneficiaries, according to a story on BusinessWeek.com.

In fact, MetLife Inc., one of the nation’s largest insurers, will pay a $500 million settlement after insurance regulators in several states investigated “whether companies were holding funds that should go to beneficiaries,” the BusinessWeek story reported. The settlement resulted from a government investigation into how insurers sometimes were not using adequate means to locate beneficiaries. Other life insurance companies, including Prudential Financial and John Hancock, have also settled similar cases with state regulators, according to reports.

Keep good records of your life insurance policies and be sure to tell family members that the policies exist so they can receive benefits if you should die. Image credit: © iStockphoto.com/courtneyk

Keep good records of your life insurance policies and be sure to tell family members that the policies exist so they can receive benefits if you should die. Image credit: © iStockphoto.com/courtneyk

“Life insurers have faced increased scrutiny from regulators in Florida, California and other states over unpaid benefits,” the story said. “Life insurers are generally required to pay claims after being notified of a policyholder’s death and receiving a valid death certificate. If insurance companies aren’t notified, they usually are required to hold the funds until the insured would be about 100 years old, plus an additional three or five years, depending on the jurisdiction, before turning the money over to the state as unclaimed property.”

Typically, survivors contact a life insurance company to file for benefits, but survivors don’t always know that they have been named as beneficiaries. The insurers are responsible for contacting named beneficiaries on the policies, but those efforts are not always as thorough as the insurance regulators believed they should be, which is what launched the investigations into the matter more than a year ago.

The MetLife settlement was the third large insurer to now pledge to do more to get death benefit payments out to beneficiaries in a more timely and direct way, according to a story in The Wall Street Journal.

This is a landmark settlement, and it is probably the largest settlement in terms of return of money to consumers,” Florida Insurance Commissioner Kevin McCarty said, according to the story. “Florida estimates the agreement could return more than $500 million to consumers.”

In a statement, MetLife said it “has been working with regulators to develop industry best practices and is pleased to announce new processes that will provide an even stronger safety net for the limited number of beneficiaries who do not submit a claim to the company in the normal course of business.”

Across the U.S., the actions by state insurance regulators have now resulted in about 32,715 payments totaling $262.2 million to beneficiaries who didn’t know their family member had named them for benefits on a life insurance policy, according to a story in The (Syracuse) Post-Standard newspaper.

In New York State alone, there were 7,525 awards that totaled $95.9 million in claims payouts, according to the paper.

“This investigation makes it perfectly clear that something must be done to make sure families across New York receive the life insurance benefits that they are due,” N.Y. Gov. Andrew Cuomo said in press statement about the settlement. “In the wake of this investigation, New York will now mandate that insurance companies actively search the list of recent deaths so money will be paid to beneficiaries instead of being trapped in limbo and a new website will help families search for lost or forgotten policies.”

As part of an effort to help residents learn that there are benefits waiting in their name, New York has “launched a free, online “Lost Policy Finder” website to help people locate lost or misplaced life insurance policies,” according to the paper.

This problem of tracking down and collecting on unclaimed life insurance policies has been going on for years, according to a story in The New York Times last year. “… hundreds of millions of dollars in life insurance goes unclaimed each year for one simple reason: the beneficiaries do not know the money exists,” the story reported. “Even in this wired age, if the insurance company cannot locate the beneficiary — or for that matter, even learn that the policyholder has died — that money will go unclaimed.”

Much of the problem can be pinned on the life insurance companies themselves, says Saul Langsam, MyPhillyLawyer’s in-house expert on estate and family law.

“They don’t hesitate to take your premium dollars, but then they put the burden on surviving family members to pursue the claim” if they can’t reach you, he says. “That insurance company mentality permeates the industry.”

The problem is that many times people don’t tell their loved ones ahead of time that they have been named as beneficiaries on life insurance policies, Langsam says. “One of the things I have found in my years of doing this is that there often are instances of secrecy between family members, especially parents and children, where they don’t mention such things. It’s intriguing how many times that people say that their parents were so secretive. What’s the point of that?”

Instead, Langsam says, it’s a good idea to talk with your children and other family members and let them know your intentions while you are alive. “Tell them, ‘hey guys, I’m up in years and I have prepared assets in your names’” he says. “Tell them where the paperwork and policies are kept in case they are needed.”

If you don’t do this, he says, then policies may not be known and your beneficiaries won’t know to seek the funds. “If you haven’t communicated with your adult children about what you have or don’t have or about what’s buried in a lockbox somewhere under the porch, they’re clueless.”

Insurance companies have had similar behaviors in the past in not pursuing proper payments to beneficiaries, Langsam says.

After World War II, many life insurance companies in Europe failed to seek out and pay benefits to the families of Holocaust survivors, Langsam says. The companies told families that they would not pay out benefits unless it could be proven that the deceased family members were in fact dead. But since they had been murdered in German prison camps during the war, such records were almost impossible to obtain.

“Only through the courts and suing the companies did the survivors eventually get any relief,” Langsam says. “The awards totaled hundreds of millions of dollars. It took litigation. That’s just the mindset of the insurance industry. It’s a sad commentary, but its reality.”

And one apparently that continues today, as the recent settlements bear out.

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