Category Archives: Damages

What do I look for in a Motorcycle, Car or other Motor Vehicle Injury Case Before I take it on a Contingency Basis!

Attorney Norman Gregory Fernandez, Esq.As a lawyer, I evaluate many factors before I decide to a take Motorcycle, Car, or other Motor Vehicle injury accident cases on a contingency basis.

The absolute first thing I evaluate is LIABILITY. Is the potential client that comes to me at fault or are they the victim? Although I handle cases for victims and at fault persons, I will not take a case on a contingency basis for at fault persons, and I doubt any other personal injury lawyer will either.

Liability is a tricky subject. In the State of California we use what is called a comparative negligence system to determine liability. In many accidents one or more persons will be 100% at fault in an accident. No problem if my other criteria are met, I will take the case on a contingency basis.

However, let’s say that liability is not crystal clear. Let’s say you have 2 persons who are in an accident and each one shares some fault in the accident. Let’s say one person is deemed to be 10% at fault and the other person is 90% at fault. In most situations I would consider representing the person who was only 10% at fault on a contingency basis.

However, let’s say both persons are 50% at fault, or equally at fault in an accident. Since each party would share the same responsibility for the accident, they could not recover against each other. This would be the type of case I normally would not take unless certain other factors are met.

Picture in your mind a nice pumpkin pie. Cut a piece for your percentage of fault, and the other parties percentage of fault. This will give you a good example of how a Jury or a personal injury lawyer would look at the case. If the other party gets the whole pie chances are that you have a good case that I would consider taking.

The second factor I consider is DAMAGES. How bad are you or the others with you injured? If there are no injuries, most Personal Injury lawyers including myself will not take your case on a contingency basis because the only issue would be property damage.

For a personal injury lawyer such as me, injuries are a paradox. We hate to see our clients injured in a motorcycle, car or other motor vehicle accident, and yet your injuries are directly proportional to how much money we can get for you. The nature and extent of your injuries in an accident is a major factor that I look at before I take a personal injury case on contingency.

The third factor that I look at is whether you have liability insurance. In California if you do not have liability insurance, you are only entitled to your out of pocket losses and that’s it. Most of the damages in personal injury cases usually come from none out of pocket losses such as pain and suffering, loss of enjoyment of life, emotional distress, etc.

If you do not have valid liability insurance, most personal injury lawyers including myself, will not take your case on a contingency basis.

The fourth factor I look at when deciding to take a case is all of the parties insurance policies, as well as the at fault persons assets. If they have a minimum policy of lets say $15,000.00 and no assets, chances are that all you will be able to recover is the $15,000.00 even though you might have $100,000.00 in medical bills. However, you may have Under Insured Coverage for $1,000,000.00. Each circumstance is different. Either way, it takes an experienced lawyer to get you what you are entitled to in a personal injury accident case.

There are about 10 other factors that I look at in evaluating cases. I will send my investigators out to the scene of the accident, as well as look at the property damage. We will evaluate your injuries and medical treatment. We do many things. The sole purpose of our doing personal injury on a contingency basis is to get you the absolute most money that is possible out of your case. We do not make money, unless we get you money, it’s as simple as that. If I have to, I will take your case all the way to a Jury trial if necessary to get you the most possible money.

I believe in cutting to the chase and being frank with my clients. If you have had a motorcycle, car, or other motor vehicle accident in the State of California you may give me a call for a free consultation at 818-584-8831 ext. 1, or visit my personal injury website by clicking here now.

If you have had an accident in a State outside of California, I highly recommend that you seek legal representation in the State in which the accident occurred.

No matter what, do not try to do these types of cases on your own without a lawyer. You may think that you are saving money. In the end, the insurance companies will know that they have a sucker on their hands. They love injured victims who do not have lawyers!

By Norman Gregory Fernandez, Esq. , Copyright 2006

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Car, Motorcycle, and other Vehicle Insurance / Why You Should Buy Under Insured Coverage!

The Law Offices of Norman Gregory Fernandez & AssociatesUnder Insured insurance coverage will cover you for the difference between your actual damages, and the at fault persons insurance coverage.

In other words, let say you are hit by a person who has minimum insurance coverage, (10k/15k/30k) who is at fault in the accident. Under normal circumstances the most you will be able to recover from their insurance company is for your injuries, and out of pocket loss, etc., is $15,000.00. Let’s say your actual medical bills and out of pocket loss is $100,000.00 (This does not include the other non-out of pocket damages you are entitled to!). What are you going to do?

If the person who hits you does not have any assets there is little chance that you will ever collect the $85,000.00 difference from them if you sue to get a judgment. If you do get a judgment, they could declare bankruptcy and discharge the debt they owe to you in its entirety.

We find that in many instances, an at fault persons coverage is not enough to cover our client’s actual damages and they get stuck in the catch 22 situation discussed above.

We believe that it is always better to error on the side of caution. We always recommend purchasing Under Insured Coverage for a minimum of $100,000.00 or more. The more the better. This is your way of insuring yourself, against an at fault persons deficient coverage.

By Norman Gregory Fernandez, Esq. , Copyright 2006

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If you Borrow Money to Buy Your Vehicle Then You Need Gap Insurance!

Norman Gregory Fernandez, Esq.This type of Insurance policy covers the difference between the Fair Market Value of your vehicle, and what you actually owe on the vehicle if your vehicle is totaled in an accident.

When you purchase a new or used car, motorcycle, or other vehicle on credit from a dealer, more often than not you are required to not only purchase Comprehensive and Collision insurance, but you are also required to purchase GAP insurance so that the finance company knows that will be paid in full if the car is totaled in an accident.

Regardless of whether it is required or not, we always recommend purchasing GAP Insurance coverage if you owe a lender money for a car, motorcycle or other vehicle.

You do not want to get stuck paying thousand’s of dollars on a car, motorcycle or other vehicle loan after an accident, if your vehicle has been declared a total loss after an accident. Comprehensive and Collision Insurance coverage only covers up to the fair market value of the car, not what you owe a lender for your vehicle.

We cannot tell you how many times victims of accidents find out the hard way that their insurance company will not pay enough money on a property damage claim, to cover what is owed on the vehicle. Nobody wants to get stuck for thousands of dollars in payments on a vehicle they no longer own, or that is totaled. We recommend getting GAP Insurance on your vehicle if you owe money on the vehicle.

By Norman Gregory Fernandez, Esq. , Copyright 2006

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Civil Assault and Battery in Plain Language

Assault and BatteryI have heard many people throw the term of assault around to describe someone being physically abused. The purpose of this article is to describe what the civil tort of assault and the civil tort of battery are in plain language.

The legal definition of civil Assault is; an intentional act which causes a reasonable and imminent apprehension of a harmful or offensive contact which is un-consented. I know, it sounds like a bunch of gibberish.

Civil Assault basically boils down to this; if someone gets in your face and raises their hand as though they’re going to hit you, and ordinary people in a similar circumstance would believe the same thing, you have just been assaulted. Civil assault does not require or an actual touching, or physical contact to be legally actionable.

The legal definition of a Civil Battery is; an intentional act which causes a harmful or offensive contact which is un-consented. Yes I know, what does that mean?

Civil Battery basically boils down to this; if someone hits you, and you have not consented to being hit, you have just been battered.

In the civil realm, battery can take many forms. For instance, a battery can occur if someone intentionally hits or touches something that is connected to you. An example of this type of battery would be; let’s say you are holding a paper plate full of food, and someone hits the plate purposely to knock the food at of your hand; you have just been battered. Another example of this type of battery would be; let’s say you are sitting in your car and someone comes up and hits your car purposefully; you have just been battered.

I am not going to go into a dissertation on the multitude of possibilities here. The purpose of this article is just to describe an assault and battery is in plain language. So you now know that assault, and battery, are two separate torts. Each is a distinct and separate tort, which is a separate legal cause of action.

In the civil realm, you have a right to sue for assault and battery if you are the victim of these torts. With respect to damages, you are not only entitled to all damages proximately caused by your being assaulted and/or battered, and you may also be entitled to punitive damages.

Punitive damages are punishment damages. Many of you have heard the term punitive damages and do not know what it means. In civil law, punitive damages are ordinarily allowed by statute, or for common law torts involving intentional acts. Punitive damages are allowed for particularly egregious conduct.

If you believe you been the victim of an assault and battery in the state of California, you may call me for a free consultation at 818-584-8831 extension 1, or visit my website at www.thepersonalinjury.com.

If you believe that you been the victim of an assault and battery in a state other than California, I suggest that you consult with an attorney from that state to determine if you have a cause of action.

By Norman Gregory Fernandez, Esq. , Copyright 2006

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Welcome to the California Personal Injury Law Blog.

Califonria Personal Injury Lawyer Norman Gregory Fernandez, Esq.I wish to welcome everyone to the California Personal Injury Law Blog. Like the name infers, this Blog is about Personal Injury Law, and everything related thereto.

I will write articles related to Personal Injury Law which will be primarily geared towards California Law. However, I might offer commentary, or post links to Personal Injury subjects outside of the State of California. On some occasions I may post articles that are totally off topic. I will try to mix things up and make this blog interesting.

I am a California Personal Injury Lawyer, licensed to practice law in the State of California, and before the United States Court, Central District.

My firm has offices in Southern California and Northern California. We handle personal injury cases throughout the great State of California.

If you want a free consultation on a California Personal Injury case, you may call my office at 818-584-8831, you may contact me through this blog by clicking the contact button on the top of the blog or by Clicking Here, or you may go to my Personal Injury Website at www.thepersonalinjury.com . If you have a non California Personal Injury Case and you need a lawyer, I may be able to find someone for you in your State. Use the contact button at the top of the Blog to contact me and I will see what I can do.

I am requesting that everyone read the Legal Disclaimer, by clicking on the Legal Disclaimer button on the top of the Blog, or by Clicking Here Now.

I invite everyone to register as members of the California Personal Injury Law Blog by Clicking Here Now, or by clicking the register button on the left sidebar. The advantage of being a member is that you will be notified of new articles that I write, and can more easily post comments once you are logged in.

I also invite everyone to post comments about the articles that you read on the California Personal Injury Law Blog whether you are a registered user or not. Just click on the comments text below each post that you want to comment on.

Finally, you may contact me by using the contact button on the top of the Blog, to suggest article ideas to me, or to suggest that I write an article on a Personal Injury Law subject that you might be interested in. I offer no guarantees that I will write a specific article, but I will try to accommodate my readers.

I recommend that you bookmark this blog in your browser, read all of the articles, and keep coming back. You never know when the day will come that you or your loved ones or friends may be the victim of a personal injury. What you read here may help you

By Norman Gregory Fernandez, Esq., © 2007

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