case study of personal accident insurance

Real-life case studies on personal accident insurance

Real-life case studies can be a valuable tool in understanding the importance of personal accident insurance. These stories illustrate the impact that an unexpected accident can have on individuals and families, and the role that personal accident insurance can play in providing financial protection. Here are some real-life case studies that highlight the importance of personal accident insurance.

Case Study 1: John’s Story

John was a healthy and active 35-year-old man. One day, while playing basketball with his friends, he suffered a serious knee injury that required surgery and months of physical therapy. As a result, he was unable to work and had to rely on his savings to pay his bills. Fortunately, John had a personal accident insurance policy that provided coverage for temporary total disability. This coverage provided him with a percentage of his salary for the duration of his disability. Without this coverage, John would have faced significant financial hardship.

Case Study 2: Maria’s Story

Maria was a 45-year-old mother of two. One day, while driving her children to school, she was involved in a car accident that resulted in her death. Maria’s husband was devastated by the loss of his wife and the impact it would have on their family. However, he was relieved to discover that Maria had a personal accident insurance policy that provided coverage for accidental death. This policy provided him with a lump sum payout that helped him pay for the family’s expenses and allowed him to take time off work to grieve and care for his children.

Case Study 3: David’s Story

David was a 30-year-old construction worker. One day, while working on a job site, he fell from a scaffolding and suffered a spinal cord injury that left him permanently disabled. David’s personal accident insurance policy provided coverage for permanent disability, which provided him with a lump sum payout that helped him pay for his medical expenses and adapt his home to his new needs. This coverage allowed David to maintain his financial independence and quality of life despite his disability.

Case Study 4: Sarah’s Story

Sarah was a 50-year-old business owner. One day, while walking down the stairs in her office building, she slipped and fell, injuring her back. The injury was severe and required surgery, leaving Sarah unable to work for several months. Sarah’s personal accident insurance policy provided coverage for temporary total disability, which provided her with a percentage of her salary for the duration of her disability. This coverage allowed Sarah to pay her bills and maintain her business while she recovered from her injury.

These case studies illustrate the importance of personal accident insurance in providing financial protection in the event of an unexpected accident. Personal accident insurance policies can provide coverage for a range of benefits, including accidental death, permanent disability, temporary total disability, and medical expenses. The coverage amount and type, premiums, exclusions, duration of

coverage, and reputation and financial strength of the insurer are all factors to consider when choosing a personal accident insurance policy.

In conclusion, real-life case studies demonstrate the value of personal accident insurance in providing financial protection in the event of an unexpected accident. These stories highlight the impact that accidents can have on individuals and families and the role that personal accident insurance can play in providing peace of mind and security. When choosing a personal accident insurance policy, it’s important to consider the coverage amount and type, premiums, exclusions, duration of coverage, and reputation and financial strength of the insurer to ensure that you choose a policy that provides the necessary coverage for your needs and circumstances. If you are based in Dubai then hiring an effective insurance broker in Dubai  can definitely help in making this task easier for you.

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CAS Research Papers and Briefs

CAS Research Papers are funded, peer-reviewed, in-depth works focusing on important topics within property-casualty actuarial practice. Funding for CAS Research Papers comes from CAS member dues, individual grants and other sources. Topics are solicited through a variety of means including CAS committees and formal requests for proposals.

CAS Research Papers fulfill the goal of creating an important addition to the existing body of CAS literature and give CAS members access to relevant information and resources applicable to their work, which can help advance their careers.

Research Papers

By Jim Lynch, FCAS, MAAA, and Dave Moore, FCAS, CERA

In a previous CAS Research Paper, we described a method for using industrywide loss development factors to detect circumstances consistent with descriptions of a phenomenon known as social inflation. The paper focused primarily on commercial auto liability insurance as defined in Schedule P of the Annual Statement. We estimated that social inflation increased commercial auto liability claims by more than $20 billion between 2010 and 2019. This paper extends our analyses through the end of 2021, focusing again on commercial auto liability. We find that one metric for detecting excessive claims inflation, the calendar year 12–60-month loss development factor (abbreviated as the CYR 12-60 LDF) decreased significantly after calendar year 2019. The 2020 and 2021 factors were at levels consistent with 2016 and 2017. We believe the decrease was driven primarily by the pandemic, in part, due to slowdowns in tort dispositions and backlogs in cases. That the CYR 12-60 LDF remained significantly higher than a decade earlier is evidence that a certain level of social inflation remains baked into industry results, even in 2020 and 2021. We estimate that social inflation increased commercial auto liability estimates by more than $30 billion between 2012 and 2021, with most of the increase coming from the addition of 2020 and 2021 to the analysis.

Sponsored by the Insurance Information Institute and the Casualty Actuarial Society

By Ida Ferrara, Edward Furman, Tsvetanka Karagyozova

The goal of this study is to pave the way for a more comprehensive assessment of the potential benefit of microinsurance (MI) to low-income households in any country, regardless of its level of development, by piloting and implementing a survey instrument to enhance our understanding of the drivers of risk- and insurance-related decisions pertaining to the purchase of health, life and property insurance. For the purposes of the paper, the authors take MI to refer to the provision of conventional insurance products with small limits and simple coverages to low-income individuals.

By Robert J. Erhardt, ACAS; Mathieu Boudreault; David A. Carozza; and Kejia Yu Flood represents one of the costliest and most disruptive natural disasters in the United States, and the economic losses from flooding are trending upward. While this trend is known to be driven primarily by an increasing population and wealth exposure, climate change is also affecting flood risk in more subtle ways. The authors merge data on economic flood losses, historical climate, census population, and geological characteristics to explore drivers of flood losses and climate trends. The data cover 292 watersheds spanning the continental United States, over the period 1979–2018. The authors fit a Bayesian spatial mixed-effects model for flood loss frequency and a Bayesian mixed effects model for flood severity loss per person. Both models control for measured covariates, contain random effects to capture variation from unmeasured covariates, and quantify climate drivers of flood risk.

By Hong Li and Jianxi Su

In this project, the authors model and predict state-specific wildfire losses in the United States using a combination of Bayesian dynamic models. In particular, the wildfire frequencies are modeled by a Bayesian multi-scale Dynamic Count Mixture Model (DCMM), which is capable of capturing a number of stylized features of wildfire data, including zero-inflation, over-dispersion compared to the Poisson distribution, and the time-varying patterns. Further, the DCMM is able to incorporate spatial dependence of different states, and thus improves the forecasting performance for individual states, especially those with low historical frequencies. The authors then apply the predictive distribution of future wildfire loss to price wildfire catastrophe (CAT) bonds with different characteristics and evaluate their hedging effectiveness for insurers in different states.

The phenomenon of social inflation has garnered a great deal of attention in the property and casualty (P&C) insurance industry. The term defies strict definition, though it is widely acknowledged to involve excessive growth in insurance settlements. We examine evidence for its existence in standard industrywide claims triangles through 2019. The focus is on commercial automobile liability insurance, though other annual statement lines of business are examined as well. We find development patterns in commercial auto liability are consistent with most descriptions of social inflation. We estimate that social inflation increased commercial auto liability claims by more than $20 billion between 2010 and 2019. Evidence of a similar trend is also present in two other lines of business: other liability—occurrence and medical malpractice—claims made. We also use standard actuarial metrics and visualizations to demonstrate how actuarial insights can be presented to an interested lay audience, such as lawmakers, regulators, the news media, and the public.

By Kevin Kuo

This paper introduces an individual claims forecasting framework utilizing Bayesian mixture density networks that can be used for claims analytics tasks such as case reserving and claims triaging. This approach produces multi-period, cash-flow forecasts. The modeling framework uses a publicly available data simulation tool.

By Michael A. Bean, FCAS, CERA, FCIA, FSA, Ph.D.

Although available since the 1990s, cyber insurance is still a relatively new product that is ever-changing. The report uses a conceptual approach to identify and evaluate potential exposure measures for cyber insurance. In particular, the report studies the losses that can arise with each cyber insurance coverage and identifies potential exposure measures related to these losses. The report then evaluates these potential exposure measures based on a set of criteria, which include ease of calculation, ability to audit the calculation, strength of relationship to losses, and stability over the period of insurance coverage as well as concerns over privacy laws and regulatory requirements.

By Markus Gesmann and Jake Morris

Hierarchical compartmental reserving models give a parametric framework to describe aggregate insurance claims processes using differential equations. The paper discusses how these models can be specified in a fully Bayesian modeling framework to jointly fit paid and outstanding claims development data; demonstrates how modelers can utilize their expertise to describe specific development features and incorporate prior knowledge into parameter estimation; explores subtle yet important differences between modeling incremental and cumulative claims payments; examines parameter variation across multiple dimensions; and introduces an approach to incorporate market cycle data into the modeling process. Examples and case studies are shown using Stan via the brms package in R.

This paper serves as a basic guide to economic scenario generators (ESGs), with an emphasis on applications for the property-casualty insurance industry. An ESG is a computer-based model that provides simulated examples of possible future values of various economic and financial variables. The paper provides general information on the nature of ESGs, discusses essential features of a good one, and provides guidance on stochastic processes and modeling of certain economic and financial variables. The importance of financial market model specification, model calibration, and model validation are discussed. This assures that the ESG will produce simulation results that are relevant and sufficiently robust and that will realistically reflect market dynamics. The paper also provides a concrete illustration which describes issues and decisions made in constructing and using a specific ESG.  Considerations relating to the projection time frame are explored in depth. Finally, a discussion of the range of choices for software in developing ESGs is presented, contrasting open-source ESGs with solutions that are available from commercial vendors.

By CAS, CoreLogic, Milliman

Unprecedented costs from wildfires in the American West have spurred a need for wildfire risk reduction in at-risk areas; meanwhile, communities and homeowners need tools to understand the costs and benefits of various means of wildfire risk mitigation. Appropriate quantification of the impacts of various mitigation efforts (such as mitigation premium credits) can benefit both insurers and consumers, as well as inform public policy and public safety decisions. This paper explores the need for catastrophe models to perform the quantification of mitigation efforts, outlines actuarial considerations and approaches for developing wildfire mitigation premium credits, and describes challenges in obtaining data and implementing mitigation premium credits. The paper illustrates these concepts through a detailed case study based on a specific community representing a significant concentration of wildfire risk in Northern California.

By CAS and Canadian Institute of Actuaries

This report by the Canadian Institute of Actuaries (CIA) and Casualty Actuarial Society (CAS) contains analysis of the impact of marijuana decriminalization on vehicle accident experience. This report utilizes technical advancements of machine learning algorithms for finding patterns in data, rigorous approaches for selecting control units from observational data, and recently developed pathways for a causal interpretation of black-box models. Canadian and US data for 2016–2019 were used in the study, including official reports on collisions of private vehicles and losses in Canada, fatal accidents, and weather factors in the United States. For each data source, statistical and machine learning models were chosen to account for different sources of variability.

Research Briefs

By Brian Fannin The world is going through an extraordinary event. Since it first appeared in Wuhan, China, in late 2019 (“First Covid-19 Case Happened in November, China Government Records Show - Report” 2020), the coronavirus has spread rapidly to most of the world’s population. Indeed, one of the difficulties of writing an article like this is to keep up with the pace of change. An earlier draft had included specific references to the current number of countries and individuals who had been affected. It took only a few days for those numbers to be badly short of the mark.

Read Research Brief

By Aditya Khanna, FCAS; Brian A. Fannin, ACAS, CSPA; and Tim Wei, FCAS

Educating Injury Victims

• Personal Injury Claims Process
• Case Examples

Personal Injury Case Examples

See how injury victims fight to get the compensation they deserve. explore case studies from common types of injury claims and lawsuits., slip and fall injury cases, business premises liability cases, workers’ compensation cases, dog bite injury litigation, negligent medical care cases.

• Defamation, Libel, and Slander

Institutional Elder Care Abuse

Wrongful death civil lawsuit.

When a person of any age is harmed by someone else’s negligence, the injured victim or their family have a right to demand compensation from the at-fault party.

Here are a variety of case examples from the moment of injury through final claim settlement.

The case studies offered here are for educational purposes only. The victim stories are drawn from actual injury claims, although elements have been changed to protect those involved. Any resemblance to real persons or entities is purely coincidental.

Although our injury victims are fictional, the points raised about claim values, proving fault, getting legal help, and pursuing injury compensation are important and relevant.

Slip and falls are the most common cause of injury accidents, after auto crashes. As these cases illustrate, good evidence is critical to a successful slip and fall injury claim.

• Case Example: Slip and Fall Personal Injury in a Grocery Store
• Case Example: Slip and Fall on Premises Under Video Surveillance
• Case Example: Train Station Slip and Fall Accident Lawsuit
• Case Example: Lawsuit from a Slip and Fall On Neighbor’s Icy Driveway  

Not all premises liability cases are from slip and fall accidents. The negligence of business owners or management can lead to serious customer injuries like burns, head injuries, and the trauma of near-drowning, as we see here.

• Case Example: Denied Claim Leads to Premises Liability Lawsuit
• Case Example: Vicarious Tort Liability for Emotional Distress
• Case Example: Premises Liability Lawsuit for Burn Victim

Injured workers are almost always entitled to medical and wage replacement benefits, but sometimes they have to fight to get what’s fair. These workers had to deal with denied claims,  incorrect wage benefits, and disputes over returning to work and disability status.

• Case Example: Workers’ Compensation Wage Benefit Dispute
• Case Example: Employer Disputes Workers’ Comp Claim
• Case Example: Workers’ Compensation Settlement for Back Injury
• Case Example: Workers’ Compensation Disability Settlement
• Case Example: Injured Worker Disputes Return to Work
• Case Example: Worker’s Compensation for Workplace Assault and Battery

Dog attacks are painful and terrifying to the victim, and necessary medical treatment can be expensive. These two cases are good examples of dog bite victims who were successfully compensated, even when the dog owner or the insurance company didn’t want to pay.

• Case Example: Injured Jogger Dog Bite Insurance Claim Denied
• Case Example: Dog Bite Lawsuit for Severe Facial Injuries

When a health care provider breaches their obligation to provide an appropriate standard of care, they should be held accountable. Represented by skilled attorneys, these injured patients get the compensation they deserve for medical malpractice and ambulance worker negligence.

• Case Example: Compensation Claim for Botched Cosmetic Surgery
• Case Example: Malpractice Settlement for Birth Injuries to Child
• Case Example: Patient Injured in Ambulance Accident

Defamation, Libel, and Slander Claims

Libel and slander complaints are increasingly common, especially now that deprecating information about someone can go viral on social media in a matter of hours. However, the victim’s outrage isn’t always enough to win a defamation of character case.

• Case Example: Defamation of Character and Wrongful Termination
• Case Example: False Accusation and Arrest Leads to Defamation Lawsuit

Negligence and abuse of frail, vulnerable, and sometimes confused elderly individuals is a particularly vile crime. In addition to criminal charges, patient families can bring civil lawsuits against facilities that fail to care for and protect the elderly abuse victim.

• Case Example: Nursing Home Negligence and Abuse
• Case Example: Nursing Home Sexual Abuse by Facility Employees
• Case Example: Assisted Living Facility Neglects Elderly Resident
• Case Example: Nursing Home Medications Negligence

A college student dies during a fraternity hazing. See how his parents hold the school, fraternity, and frat brothers accountable.

• Case Example: Wrongful Death from Fraternity Hazing

How Much is Your Injury Claim Worth?

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Safety at Workplace: A Case Study

Alarming rise in cases of workplace casualties

India ranks second when it comes to workplace accidents and illnesses. In fact, the International Labour Organization (ILO) reports that globally, every 15 seconds, 153 workers meet with an accident at the workplace.. It would be good idea to opt for a health insurance   policy to cope with any accidents at the workplace.

Apart from that, on an average everyday around 6300 people, worldwide, die from occupational accidents or work-related diseases.

From these staggering statistics, one can identify that human loss has been immense due to unsafe work environments.

To classify these incidents, there are primarily three types of hazards, workplace fatal, non-fatal and physical injuries, and occupational diseases. Out of which workplace accidents take the top spot.

The Tragic Incident of Dombivali Factory Blast

In May 2016, the chemical factory owned by Probace enterprises exploded at Dombivali East in Mumbai MIDC area. The incident caused the death of 12 people and injured around 201. The impact of the explosion affected the people at the nearby residents and shops.

The mysterious blast resulted in the shattering of glasses and rooftops in a two-kilometre radius from the factory. Resulting in many reported cases of trauma victims, the incident noted prominent injuries due to the cuts from the shattered glass pieces.

With the cause for the accident still being investigated, the loss of people remains uncompensated. The injuries and deaths left people with deep scars both physically and financially.

Framework for Safety in Indian Workplace

In the past 50 years, India has witnessed an immense growth in the manufacturing, industrial and technological fields. With the upscale in business, the number of dangerous incidents in workplace is bound to increase unless stricter, more refined laws and implementations are followed.

Although the Indian Constitution contains a system for occupational health and safety, it only applies to certain restricted industries. It still keeps a huge part of the workforce outside the scope. According to international studies, many workers employed in smaller factories and industries in India are not provided with any legal and healthcare protection in the instance of an accident on the job. So, in this case a personal accident insurance   would be a good friend, which keeps you covered against any unforeseen circumstances.

Ways to Prevent and Protect Against Workplace Hazards

The rising workplace accidents can be mitigated by consciously taking measures. Some of the safety pre-requisites are as follows:

• Employee responsibility of being alert and aware of volatile surroundings
• Proper safety equipment for operating tools and heavy instruments
• Reduction in stress and distraction in workplace through appropriate and timely breaks
• Proper and regular maintenance checks on heavy machinery
• Organizing safety classes in workplace
• Precautionary measures through healthcare aid and insurance policies for workers
• Ease of accessibility to emergency exits and paths in case immediate evacuation is required
• Coverage for risks in special environments involving chemical and other combustible processes
• Accountability through reports sent to higher authorities even of the smallest inconsistency concerning safety

While accidents by definition cannot be avoided, proper precaution can save lives and savings of the people. Safeguarding the interests of the employees, employers can protect their workforce with the appropriate personal accident insurance and diseases at the work place.

ICICI Lombard also provides health insurance plans like Complete Health Insurance  , Health Booster  , Arogya Sanjeevani Policy , Corona Kavach Policy   which offers people with the much needed financial backup during any medical emergencies.

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Supporting everyone's personal finance journey

What is a personal accident insurance policy: who needs it and why.

This article explains the pros and cons of a Personal Accident Insurance policy and makes a case for getting one to safeguard your financial goals.

📚 Topics covered:

What is personal accident insurance, temporary partial/total disability (tpd/ttd), permanent partial disability (ppd), permanent total disability (ptd), accidental death, what is an accident, should you consider a term insurance policy with a pa rider, how is a pa cover different from a pa cover in vehicle insurance, how much pa cover should you get, are there alternatives to a pa cover, how to get a cover, is it worth it.

The purpose of the personal accident (PA) insurance policy is to provide a replacement for your income if you have an accident and cannot work after that. Unlike term insurance, where claims are paid on death, a PA cover is applicable when one of the following is the result of an accident :

• accidental death
• temporary or permanent partial disability
• temporary or permanent total disability

What are the main features of a PA policy?

General insurance companies, just like health insurance policies, sell PA policies. The premium depends on the sum insured (SI) and profession and not too much on the age. The policies are renewable yearly; usually, 2-3 year premiums are offered at a discount. 18% GST is applicable on the premium.

The purpose of the PA policy is for such cases where due to an accident , you do not die but are unable to work. The onus is on the insured person to conclusively prove if the disability due to the accident is preventing you from earning your living.

In all cases, you need to be able to prove that the injury is preventing you from doing your day job. In each case, the amount paid out will depend on the policy terms. From least to most severe, the benefits are, using some representative cases, from one of the policy term documents on the Insurance Regulatory and Development Authority of India (IRDAI) site:

These injuries will heal with time, like fractures or paralysis that may get cured. However, these cases offer the lowest payout, around 1% of the SI per week, until recovery or small lump sum amounts. In most cases, TTD/TPD will not be meaningfully covered.

Temporary loss of limb(s), paralysis or sense organs (eye/ear), uniplegia (paralysis of a single limb) etc., fall under this category. The payout may be 25-100% of the SI.

The payout may be 100% of the SI since cases like a total loss of limb(s), sense organ(s) or paralysis are covered here.

The insurance company will generally pay out 100-200% of the sum insured.

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We have put accident in italics in the previous paragraphs since the definition is fundamental in buying a PA policy. As per multiple PA policy documents on the IRDAI website, an accident is defined as:

An accident is a sudden, unforeseen and involuntary event caused by external, visible and violent means - Source: IRDAI site

The following examples could lead to claim rejection if they strictly do not follow the definition of an accident:

• sudden: planned activities like acrobatics, water sports or similar acts may get excluded
• unforeseen: it is not unforeseen that if you walk on the road, a car may hit you. So a vehicle hitting you is admissible if and only if you were walking where it is legally allowed to walk, like on a pavement
• visible: you were crossing the road in the middle of the night on a zebra crossing, and a car hit you and escaped. The insurer will ask for witnesses for the incident
• violent: slipping inside the house may not be an accident since the insurer could argue that it is not violent

In many cases, you may need an FIR and medical examiner’s report or autopsy report to support the claim process.

Riders make the claim process complicated since you need to prove the cause of death as well. This may cause issues in claim processing by giving the insurance company more to investigate. It is, therefore, better to take a stand-alone PA policy instead of a term insurance rider.

PA cover in vehicle insurance protects the owner of the vehicle, as long as they have valid driving license. The policy is set at 15 lakhs by IRDAI (since 2018) and covers permanent total disability and accidental death. PA cover is mandatory if you are driving your own car.

There are two cases here:

• if you already have a general PA cover:skip the PA cover with vehicle
• if you don’t already have a general PA cover: taking PA cover with vehicle is mandatory if you have a driving license

However, this particular PA cover does not cover cases where you have an accident apart from driving your car.

The PA cover protects you in multiple ways

• protect your day-to-day expense flow
• protect the investments that go into goals
• account for increased expenses due to long-term medical care. This may be offset, to a degree, by lowering expenses on travel and entertainment

The Arthgyaan goal-based investing calculator accounts for the first two options: monthly expenses and investments in SIP form. The calculator will show you the total insurance cover for both term, and as a result personal accident, in the same field.

A health insurance policy is not the replacement for Personal accident coverage. A health plan covers planned and unplanned medical expenses where you are eventually expected to recover. PA covers income loss due to an accident which causes a disability.

Similarly, having only a term insurance policy does not help since the accident does not necessarily kill you. Instead, it will prevent you from earning income, making it impossible to reach your financial goals.

A third-party vehicle insurance cover, for example, if you are injured when a car hits you on the road, is for the car’s driver’s benefit and not for you.

The only alternative to a personal accident cover is having enough wealth to be unaffected if your income stops today. Astute readers will notice that this is the exact same definition of being Financially Independent: What is the quickest way to reach FIRE?

The biggest challenge at this point is finding policies with sufficient coverage. There are too many policies with coverage of a few lakhs than those with coverage of multiple crores. The higher coverage out there is a policy of 2 crores capped at 12x of your annual gross income. However, this amount may not be enough depending on your goals.

This link is the official IRDAI page with all currently available insurance policies: click here . From the same page, you can get the updated list from Products Offered > Health Insurers for the current year.

The page has the policy documents for all active policies in the market. You should look for individual (i.e. non-Group) policies and shortlist the ones where you are okay with the terms and conditions. In parallel, from the insurance company website, you can get a plan quote. You should be able to buy the policy online in most cases from your shortlist.

Given the definition of accident, onerous claim process and lack of high-value policies, it is natural to believe that a PA policy is not worth the hassle.

There are some significant upsides as well, though:

• this is the only policy that covers permanent disability that may happen due to no fault of yours
• the policy is decently cheap (1cr coverage is available for around ₹10,000/year or less)
• unlike health premiums that increase with age, there are not many dependencies on the age of the insured

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Personal injury claims and contempt of court: a recent case study

Haven Insurance Company Limited v Higham [2023]

On behalf of the defendant insurer, Kennedys recently secured a finding of contempt against a claimant who fraudulently alleged an inability to work as a roofer following a road traffic accident.

On 17 August 2019 Mr Higham was struck as a pedestrian by a vehicle insured by Haven Insurance Company Limited. Primary liability for the incident was admitted pre-litigation.

On 19 July 2022 Mr Higham issued court proceedings making a claim for damages up to £200,000. He alleged that due to ongoing issues with his knee and shoulder, he avoided doing DIY and using ladders as it was unsafe for him to do so. He also alleged that he had not been able to return to work as a roofer due to his ongoing knee and head injuries, as well as ongoing symptoms such as dizziness. A similar picture had been painted by Mr Higham to the two medico-legal experts instructed by the claimant. A claim was therefore made by Mr Higham for his alleged loss of earnings.

Surveillance undertaken by the defendant insurer

Mr Higham had, however, been under surveillance by the defendant insurer since late 2020. This showed Mr Higham “displaying considerable agility whilst going up and down ladders”.

Relying on the surveillance, on 10 December 2022 Kennedys served a defence and counter schedule alleging fundamental dishonesty. Mr Higham then sought to discontinue his claim. 

Pursuing fundamental dishonesty pursuant to section 57 of the Criminal Justice and Courts Act 2015 would have been costly for the insurer, especially as dishonesty had been pleaded so early in the case. As such, it was agreed that Mr Higham could discontinue his injury claim and Kennedys applied for a finding of contempt instead.

Contempt proceedings

Mr Higham admitted to being dishonest in his response to the contempt proceedings and Mr Justice Cotter heard the matter on 1 December 2023. 

The judge held that Mr Higham persistently “chose deliberately to pursue a course of fraud” and had only discontinued in the face of “overwhelming evidence of dishonesty”.

Mr Justice Cotter found that Mr Higham had “significant personal mitigation” due to the death of his wife in 2017 and the impact of that on him and his family, particularly his youngest son. It was also highlighted how Mr Higham had already been penalised by having lost the right to the damages from the genuine injuries sustained in the accident.

However, the judge held that the custody threshold had been crossed because of the claimant’s “serious and persistent course of conduct”.

Ultimately “by the narrowest of margins and applying the Court’s mercy”, Mr Justice Cotter suspended the two month sentence for one year due to the significant mitigating circumstances.

This case further demonstrates how the insurance industry is tackling dishonest claims brought by fraudulent claimants. Although the pursuit of a section 57 fundamental dishonesty finding can be lengthy and costly, there are alternative methods available to insurers to ensure fraudulent claimants are responsible for their actions, as was the case here.

Related content

Guidelines for the assessment of general damages in personal injury cases in northern ireland (sixth edition) – initial observations, fixed recoverable costs – april 2024 revisions, supreme court decision on secondary victim claims: what it means in the context of road traffic collisions.

• Defendant personal injury

Case study: How To Cover a Volunteer Injury?

Many of us associate labour day with a holiday and the start of May, but it is much more than that. It is a day to celebrate the amazing work done by employees/ workers. Each company is lucky to have its employees and volunteers that help them grow and meet its goals.

Some businesses run on volunteers, such as NGOs. Volunteers can face risks during work as any other employees. Unfortunately, the labour departmen t doesn’t consider volunteers as employees. This means the same insurance will not cover them.

Hence, companies purchase personal accident insurance to deal with a volunteer injury. The case study will explain how personal accident insurance was the best solution to a volunteer injury for an NGO company.

Client Background- NGO Event Company

Our client is an NGO company that organises events to raise money for various charities. The business mainly works on investments, donations, and a range of volunteers. Non-profit companies do not have the large funds to hire employees full-time and instead donate their funds to a good cause.

The business uses many volunteers to build and run the events. Recruiting volunteers can be risky for companies, as they will not be covered by employee compensation insurance. If they suffer any injury while working. The business will be liable to pay for all the medical bills out of their pocket and may even be sued by the injured party.

The work risks that could lead to volunteer injuries include climbing ladders, electrical instalments, building stages, heavy lifting, and outdoor risks. These risks could also cost the NGO business heavily.

Client problem-Volunteer Injury

The business recruited around ten volunteers to help set up the set for an outdoor event. The duties included heavy lifting of material, assembling stage and equipment adjustment. Of course, these duties all have their own risk. The business did think of the risks and provided each volunteer with the proper safety equipment.

Unfortunately, the safety gear was not enough in this case. There was an injury that was entirely out of their control with an awful outcome. The injury occurred when a part of the set (speaker) fell from a height on the volunteer’s leg.

In result, the volunteer’s leg was broken and required immediate surgery. The business is liable to pay for the medical bills and provide compensation costs to the injured volunteer. If they do not comply, the volunteer has the right to sue the business for medical and compensation costs.

Unfortunately, as mentioned, the volunteer will not be covered by the employee compensation insurance. Hence the business will have to pay out of their pockets, which they may not be able to afford due to limited funds.

  How Personal Accident Insurance Covered the Volunteer Injury?

Fortunately, the business purchased personal accident insurance for each volunteer for the day they were on duty. Personal accident insurance will cover most accidents that cause bodily injury, partial disability, permanent total disability, and accidental death.

Therefore, the insurance covered the cost of medical and recovery. It is the perfect insurance for NGOs as it is affordable and will cover up to HKD 200,000 for each volunteer. Additionally, the business can purchase the insurance for selected dates, short term, or long term. Further, the insurance will compensate the volunteer if they are temporarily or permanently disabled.

Volunteer injury costs reimbursed by personal accident insurance:

• Ambulance: HKD 180
• Cost Of medical Surgery: HKD 70,000
• Cost of treatment (physiotherapy sessions): HKD 10,000 (10 sessions)

Total cost: HKD 80,180

Personal accident insurance may be the right insurance for many businesses that deal with short term work and volunteers. Volunteer injuries can happen at any point, however safe a business is. The insurance can also be bought personally to protect yourself from any type of accident at any location.

It is one of the easiest insurances to purchase at a reasonable cost. One doesn’t need to provide any medical reports and a minimal number of documents need to be provided. Therefore, the insurance is perfect accident protection with less effort and less payment.

Finally, personal accident insurance provides the policyholder peace of mind when things do go wrong. You shouldn’t be worrying about costs when looking for medical treatment. Additionally, the insurance has an easier claim process than most medical insurances (might depend on the insurer).

To learn more about personal accident insurance and protect your volunteers, contact Red Asia Insurance.

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Case study: Hoang v. The Personal Insurance (what an accident benefit adjuster MUST do)

Want to know what an accident benefit adjuster’s gotta do to properly handle your case car accident case? Check out the below Arbitration Appeal review of Delegate Lawrence Blackman of the Financial Services Commission on Ontario in Christopher Hoang v. The Personal Insurance Company of Canada .

The Insured, Christropher Hoang was born on March 7, 1998. When he was just 6 years old, he was hit by a car. His right ankle was pinned under a wheel, and he lost consciousness. His Glascow Coma Scale reading was 3 out of 15; which is the lowest GCS score you can get while living. Think of being totally out of it on the ground, without responding to noise, movement, touch or any other sense. That was Mr. Hoang. He had to be resuscitated at the scene of the accident. He’s lucky to be alive.

Chris’ accident benefits were provided to him by The Personal Insurance Company. You, or a loved one might be insured by The Personal. Many clients at Goldfinger Law are insured by them. They’re a rather large insurer. You should know that The Personal is a subsidiary of Desjardins Insurance . Young Mr. Hoang brings an application to FSCO for payment of educational expenses in the amount of $11,300 and $30,193.90 for a rehabilitation support worker. He wins his application following a lengthy arbitration. For you readers out there, an arbitration is just like a trial, except there is no jury, and no judge. In place of a judge and jury, there’s an arbitrator, who has special knowledge in the field of accident benefits and car accident law in Ontario. Because this area of the law is so complicated, and ever changing, our government has tried to take these sort of cases out of the Court system and put them all through FSCO. I’ve even heard rumours of one judge of the Superior Court not wanting to see any more Accident Benefit cases be commenced in Superior Court. But I digress.

The notion that poor Mr. Hoang had to complete an arbitration to get his educational expenses and get his rehabiliation support worker paid for is troubling enough. All the hoops which Desjardins/The Personal had this poor kid had to jump through makes me very upset.

The end result was the Mr. Hoang won at Arbitration and was also awarded a “ special award ” in the amount of $28,000. A “ special award ” is a penalty against the insurer for unreasonably witholding or delaying accident benefits. It’s a punishment against an insurer for their “ unreasonable behaviou r”.

The term “ unreasonable behaviou r” has been defined by Arbitrator Palmer in Plowright v. Wellington Insurance FSCO A-003985 as:

“ witholding or delaying payments can be seen as behaviour which was excessive, imprudent, stubborn, inflexible, unyielding or immoderate ”

Now, you might think that $28,000 is a lot of money. For many people, it is. For a large insurance company, this barely makes a dent in their armour. It probably doesn’t even glitch on their radar. If this quantum is supposed to be a punishment, I can tell you with absolute certainly that a $28,000 special award is peanuts for an insurer which reports billions of dollars each year.

Making matters worse is that the insurer, The Personal, appealed the Mr. Hoang’s entitlement to that special award. For Mr. Hoang, that meant that he would have to incur further legal fees, and that he would have to wait, panic and fret over whether or not he would even be entitled to that $28,000 award.

What’s important from this decision, is that it was found that the insurance adjuster for The Personal refused to attend at a team meeting to discuss the treatment of Mr. Hoang, and refused to watch a DVD containing information from Mr. Hoang’s treatment providers as to why he needed treatment. Instead, the adjuster place more weight on the results from the Insurance Examinations (IEs) which he set up. Essentially, it was found that the accident benefit adjuster made a decision that the IE reports which they set up had more weight then all of the other evidence combined, without really considering what that other evidence was.

At the Arbitration, the accident benefit adjuster stated that “ in retrospect, perhaps that’s something I could have reviewed [referring to the DVD which his lawyers sent]”.

What this decision stands for is that regardless of the source of information, your accident benefit adjuster has a duty to review all information made available to them in order to made a reasoned decision and properly handle your accident benefit claim. If they fail to do so, they might get slapped with a “special award”. In my humble opinion, a $28,000 special award (which still needs to be quantified after the appeal) isn’t much of a deterrent for any large insurance company for unreasonably denying benefits. How does $28,000 replace the lost value of treatment following a catastrophic car accident. That’s not what accident benefits are for. That’s not how insurance is supposed to work. The true intention of the Insurance Act and the Statutory Accident Benefits Schedule is that it’s consumer protection legislation. We are getting away from that consumer protection intention year after year.

For more information on the Financial Services Commission of Ontario and special awards, contact Brian Goldfinger at Goldfinger Injury Lawyers. We would be pleased to help you out as best as we can.

Anyone catch Game #1 of the Stanley Cup Final? My heart says Patrick Kane, but my head says Zdeno Chara. Let’s see what happens.

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Forecasting of JP-ASPRI personal accident insurance customers using the ARIMA model

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J. R. Arraafiulna , N. Khasanah , H. Mustofa , H. Masvika; Forecasting of JP-ASPRI personal accident insurance customers using the ARIMA model. AIP Conf. Proc. 4 October 2023; 2886 (1): 020009. https://doi.org/10.1063/5.0154625

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This study aims to determine the number of JP-ASPRI Personal Accident Insurance customers in the next year. The data used is monthly time series data from January 2015 to June 2022. In this study, the method used is the non-seasonal ARIMA method. By comparing the smallest Mean Square value using Minitab simulation, it is obtained that a suitable ARIMA model that can explain the data well is ARIMA (2,1,4). It is obtained that the forecast of the number of customers fluctuates erratically every month. This is because the forecasting process for the number of JP-ASPRI Personal Accident Insurance customers is not only influenced by time but is also influenced by other external factors from the insurance company. Therefore, we have also predicted the future own damage claim amount, which helps the insurance companies budget their requirement for future planning for the claim data.

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...the factory gate, Medical and Personal Accident Policy, Group Personal Accident Policy, Insurance, Catering bills, Personal Accident Insurance, Category bills. Personal Accident ...Medical and Person, Accident Policy, Group Personal Accident Policy, Insurance, Personal Accident Policy, Personal Vehicle Services, Landscaping of factory garden, Catering bills were valid and le...

..., the ‘ personal accident coverage’ will not be applicable as the coverage under the policy after payment of additional premium cannot be extended to the driver who is not the third party.../- and premium of Rs. 50/- was paid to cover personal accident coverage for owner driver as well as limited liability coverage for the employees respectively. Therefore, in terms of personal accident coverage.... Mr. Gola, learned counsel also could not point out any clause from the policy that the Indian Motor Tariff would be applicable in respect of the liability of personal accident coverage for the owner...

Can't display summary as content is Scanned, Please open the judgment to see full content.

...course of the order observed that indemnification extended to personal accident of the owner-cum-driver was limited to the extent of Rs 2,00,000. The finding of the High Court on this question is as...established by the claimant respondents that the premium was paid for the personal accident the insurance company is liable to pay the said compensation, even though it is limited to Rs 2,00,000 to the...directing the appellant insurer to pay the compensation determined by the Tribunal. Since the indemnification extended to personal accident of the deceased is limited to Rs 2,00,000 under the contract of...

...complainant had obtained a Janata Personal Accident Policy for a sum of Rs 5 lakhs in August 1998, for which a premium was paid and accepted and the policy was issued. The insured died on account of an... accident by way of falling into a well and drowning. FIR was lodged, autopsy was performed and the appellant was informed. Various documents were also furnished claiming payment in spite of the...with the actual state of affairs, yet the factum of the accident resulting in death and policy was not in dispute and, therefore, the claim of the complainant was to be allowed. 6. In...

...this premium is towards damage to the vehicle and not for injury to the person of the owner. An owner of a vehicle can only claim provided a personal accident insurance has been taken out. In this... accident . In the accident , the appellant as well as the other passengers received injuries. A number of claim petitions came to be filed. The appellant also filed a claim petition. 5. The Motor...Accidents Claims Tribunal (MACT) held the driver of the jeep responsible for the accident . In all the claim petitions filed by the other passengers MACT directed that the appellant (as the owner) as...

...a claim with the respondent insurance company which was repudiated on the ground that the deceased had not taken the ' Personal Accident Cover'. Aggrieved by this, petitioner filed the complaint...the District Forum has been set aside. It was held that the petitioner had not taken the ' Personal Accident Cover' and pay the premium for the same. As the deceased had not paid the premium for... personal accident cover, petitioner was not entitled to receive any compensation for the death of the deceased. Counsel for the petitioner by referring GR-36 of Indian Motor Tariff contends that taking of...

...Vehicles Act and Rules the owner is not entitled to get any compensation if he drives the vehicle and falls in an accident — as the insurance policy is a third party in nature. The contract between the...insured and the insurer is that if any accident occurred out of the use of motor vehicle then only third party is entitled to get compensation. The insurer and the insured is the first and second party and...other than them all are third party. But in this case as per the version of the petition the deceased was the owner of the vehicle and was driving the vehicle and he met with an accident . Though the...

... Personal Accident Cover benefit covered by the policy, without considering the terms and conditions stipulated in the policy. The benefit of Personal Accident Cover is available only in respect of...certain injuries specified in the terms and conditions of the policy and not otherwise. The claimant in the present case did not suffer any injury of the nature specified in the Personal Accident Cover and...therefore, the award of Rs. 2 lakhs to the claimant under the Personal Accident Cover is also unsustainable. 4. It is further contended that when the claim petition...

...injury to the person of the owner. An owner of a vehicle can only claim provided a personal accident insurance has been taken out. In this case there is no such insurance...control resulting in the accident .3. The appellant herein, having been issued notice, resisted the claim, inter alia, contending that although the owner of the vehicle...deposited an extra amount of Rs 50 covering his personal insurance, the same would not cover the case of the pillion rider and in any event, the owner of the vehicle is not a third party within the meaning...

...163-A of the Motor Vehicles Act, 1988 (hereinafter called the Act) has been held to be not maintainable, yet he has been awarded compensation to the tune of 1,00,000/- under the personal accident cover...wrongly awarded the compensation to the tune of 1,00,000/- under the personal accident cover. He contended that the compensation under personal accident cover can only be granted to the registered..., he was not entitled for compensation under personal accident cover. To support his contentions, he relied upon cases Sushila and others Vs. Sh. Pankaj Mahajan and another 2013...

... Heard counsel appearing on both sides. The claim was allowed by the District Forum with reference to the personal accident benefit, but it was set aside in appeal by the State...to personal accident benefit while the deceased insured drove a vehicle not owned by him which resulted in accident and death of the insured. Our attention has been drawn to the insurance policy and..., more particularly, to the schedule of premium relating to personal accident cover which reads as under:- "Compulsory personal accident to owner driver amount one lac...

...compensation under the personal accident policy of insurance? If so, what shall be the quantum and from whom?6. As far as the personal accident policy is concerned, the Tribunal relied on certain...judgments. The Tribunal considered the personal accident policy marked as Ex.R2 and relied on the judgment in the case of Bajaj Alliance General Insurance Company Limited, Vs. C.Ramesh, reported in...2013(1) TN MAC 325. In the personal accident policy, the maximum compensation shall not exceed the amount mentioned in the policy. Therefore, the...

... accident by examining a Doctor. In view of the fact that the respondent/claimant has not proved the factum of disablement, he is not entitled for Personal Accident Coverage. In other words, it is...contended that the respondent/claimant is not entitled for any compensation even under the Personal Accident Coverage as he has not examined the Doctor before the Tribunal and now, he cannot take a...different stand with reference to his entitlement under the Personal Accident Coverage.11. The compensation under the Personal Accident Coverage is provided only in respect of the injuries specified...

...the deceased steps into the shoes of the owner of the vehicle (first respondent) and the Appellants who are his dependants are entitled for compensation under the personal accident coverage given under...borrowed the vehicle from the owner steps into the shoes of the owner (first respondent) and hence the Appellants are entitled for personal accident coverage under the insurance policy (Ex.R1...). 5. Per contra, Mr. D. Bhaskaran, learned counsel for the second respondent submitted that it is settled law that for availing compensation under the personal accident policy...

...the amount of personal accident benefit before the respondent No.1 within one month from today. 3. In view of the statement made at bar, it is directed that...benefit of the amount of personal accident benefit as per Rule and policy in question. 5. Permission, as sought for, is granted. The present appeal stands disposed of as withdrawn.... Appellants are at liberty to avail alternate recourse available under the policy in question to claim the amount of personal accident benefit. 6. Registry is directed to refund...

...bearing No.CC/05/17 claiming Rs.2 lac under personal accident benefit policy. According to complainants, husband of complainant No.1 & father of Complainant No.2, Mr.Ashok Borkar was owner and...risk. The Opponent Insurance Company had also issued a compulsory Personal Accident Benefit to the owner/driver for which extra premium of Rs.100/- was charged in the policy. On 8/11/2004, vehicle of...driving and dashing with the vehicle of the deceased. Complainant lodged claim but it was repudiated on the ground that Insurance Company is not liable to pay any claim under the personal accident benefit...

...Shree Chandrashekhar, J.:— In this writ petition prayer of the petitioner is for payment under Group Personal Accident Insurance Scheme.2. It appears that there had been...of the petitioner has been granted and a decision has been taken to pay Rs. 5 lakhs to her under Group Personal Accident Insurance Scheme. The learned counsel has tendered a copy of letter dated...14.03.20184. Taken on record.5. Insofar as claim for payment of interest on the amount under Group Personal Accident Insurance Scheme is concerned, in view of the facts...

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• 18-Wheeler accident. Back surgery. Client’s portion $445,000.
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• Pedestrian struck by an auto. Head injury, post-concussion syndrome. Client’s portion $133,500
• Bicycle struck by Auto Accident. Fractured ulna. Client’s portion $132,555
• Auto Accident. Cervical herniations. Client’s portion $130,000.
• Auto Accident. Broken leg. Client’s portion $120,000
• Auto Accident. HNP, prior surgery. Client’s portion $106,500.
• Auto Accident. Back injury with a bulging disc. Client’s portion $105,000
• Auto Accident. Rotator Cuff injections. Client’s portion $102,500.
• Auto Accident. Postconcussion syndrome. Client’s portion $102,000.
• Slip & Fall. Cervical herniation. Client’s portion $95,016.
• Bus strikes a pedestrian. A herniated disc in the neck. Client’s portion $90,000
• Auto Accident. Orbital fracture. Client’s portion $86,500.
• 18-Wheeler Accident. Concussion, lumbar strain. Client’s portion $75,000.
• Auto Accident. Bulging lumbar disc. Client’s portion $74,000.
• Auto Accident. Thoracic injections. Client’s portion $70,500.
• Auto Accident. Aggravation of preexisting neck injury requiring injections. Client’s portion $70,000
• Auto Accident. Lumbar subluxation. Client’s portion $63,436.
• Auto Accident. aggravation of prior neck surgery. Client’s portion $60,000.
• Auto Accident. Lumbar injections. Client’s portion $57,500.
• Auto Accident. Neck and back soft tissue, concussion. Client’s portion $52,750.
• Premises Liability. Grease burn to the leg. Client’s portion $51,000.
• Auto Accident. Concussion. Client’s portion $49,400.
• Auto Accident. Laceration to elbow with sutures. Client’s portion $48,000.
• Auto Accident. Neck injury with injections. Client’s portion $46,000.
• Auto Accident. neck injury requiring injections. Client’s portion $45,273.
• Auto Accident. Back and neck soft tissue. Client’s portion $44,000.
• Auto Accident. Neck injury and pain with injections. Client’s portion $43,690.
• Auto Accident. Bulging disc in back. Client’s portion $40,000.
• Auto Accident. Bulging disc in the neck. Client’s portion $40,000.
• Pedestrian struck by auto in the parking lot. Head injury, concussion. Client’s portion $39,806.
• Auto Accident. Bulging lumbar disc. Client’s portion $39,210.
• Auto Accident. Aggravation of preexisting herniated disc. Client’s portion $38,500
• 18-Wheeler. Broken clavicle. Client’s portion $37,500.
• Auto Accident. Wrist fracture. Client’s portion $37,500.
• Auto Accident. Shoulder impingement. Client’s portion $37,000.
• Pedestrian struck by an auto. Fracture in the fibula. Client’s portion $33,000.
• Auto Accident. Concussion. Client’s portion $33,000.
• Pedestrian struck by an auto. fractured ulna. Client’s portion $32,500.
• Pedestrian struck by an auto. Elbow fx. Client’s portion $32,500.00.
• Auto Accident. Neck pain with cervical injections. Client’s portion $32,100.
• Auto Accident. Soft tissue back and neck. Client’s portion $31,250.
• Dog Bite. Bites to leg with wound care. Client’s portion $31,000.
• Auto Accident. Bulging lumbar disc. Client’s portion $30,321.
• 18-Wheeler broken clavicle. Client’s portion $30,000.
• Auto Accident. Neck injury. Client’s portion $30,000.
• Auto Accident. Bulging disc, cervical. Client’s portion $30,000.
• Auto Accident. Cervical disc bulge. Client’s portion $30,000.
• Auto Accident. Back and neck, soft tissue injuries. Client’s portion $29,000.
• Dog Bite. Bite to face. Client’s portion $28,000.
• Auto Accident. Back injury, soft tissue. Client’s portion $27,742.

The following are descriptions of actual cases we have handled where liability was disputed and are examples of the types of cases we handle at the Law Office of Doug Goyen. Names are not included as the identities of clients are confidential to protect their right to privacy. Our office has handled thousands of injury cases over the years. The cases listed below are ones where there were disputes regarding who was at fault, and how we helped to resolve those disputes. The examples below are provided to show the types of cases we take and the services we provide.

Case Summaries (Click on links at the end of the summary for more detail):

Case: 18 wheeler causes collision and injuries but its driver lies about what happened: (Insurance company was denying case based on their driver’s statement. Witnesses did not stay at the scene of the collision because of the heavy rainstorm. We located their information on the 911 tapes and records. These witnesses confirmed our client’s version of the collision. The insurance company was then forced to settle). Follow the link for more details: 18 wheeler collision on a rainy night.

Case: Pedestrian injured by a car. Driver lies to her insurance company about what happened when striking a pedestrian crossing the street: (Pedestrian struck by a car turning left. The driver claims the pedestrian ran into their path. We located a witness that the police had not been able to talk to and the witness confirmed our client’s version of the collision. The insurance company then decided to settle the case). Follow the link for more details: Pedestrian crossing street knocked 20 feet down the road.

Case: Car Wreck – The insurance company had denied liability, but then we find the police officer’s dash-cam video which shows other driver admitting that they had just smoked weed right before they pulled out of the parking lot: (The insurance company was denying liability in a car wreck case. The police report was unable to determine fault due to conflicting statements. We ordered the police officer’s dash-cam video that showed the other driver had been smoking marijuana just before pulling out from a parking lot. The insurance company then paid the limits of the policy). Follow the link for more details: Car Wreck with the other driver incriminating himself on the police dash-cam.

Case: Shopper falls over pallets left in the aisle at office supply company: (The store left pallets in the shopping aisle. Our client tripped over the pallets as he was looking up at products on the shelves. Investigation of the scene showed the placement of the pallets in the aisle became a dangerous condition that caused our client’s injury). Follow the link for more details: Pallet left in the shopping aisle at an office supply company caused a fall and injury.

Case: Child injured on an automatic gate at apartment complex: (An apartment complex had left guard off of the chain mechanism that opened and shut their automated gate. This caused severe injuries to our client’s child. The apartment denied that they knew about the condition. Neighbors living at the complex and repair orders both confirmed that the apartment in fact did know about the condition for weeks yet had not fixed it yet. The apartment complex then decided to settle the case). Follow the link for more details: Child injured by an automatic gate at an apartment complex.

Case: Woman in her mid-70s walking her small dog is attacked by Akita: (Our client was walking her small dog when a large breed Akita (dog) escaped from its yard due to a faulty gate latch. The Akita attacked both my client and her small dog causing injuries. The owner of the Akita denied there was anything wrong with their gate. His insurance company was denying responsibility. Neighbors confirmed as witnesses that the Akita had been loose several times before due to the broken gate and that the gate was in fact broken at the time of the attack. The homeowner’s insurance company settled the case). Follow the link for more details: Broken gate leads to a large dog attacking a woman walking her small dog.

Case: Pedestrian struck in a parking lot and knocked headfirst into a parked car’s bumper: (Our client was walking to her car in a parking lot when a car came from behind her and tried to turn into a parking spot next to where she was walking. The car struck our client and forced her headfirst into a parked car’s bumper. The driver of the car claimed our client walked into her vehicle. Police could not determine fault due to conflicting statements. We obtained photos of the scene from the police who came out to the scene. At trial, we were able to show that the driver’s statements about what happened were not consistent with the photographs of the actual scene where the collision occurred. The case was taken to trial and a verdict in favor of our client). Follow the link for more details: Woman knocked headfirst into the bumper of a parked car in a parking lot.

Case: A city bus rolls up onto the curb and strikes a pedestrian who was waiting for the walk sign at the light. (City had initially denied responsibility for a city bus accident. We were able to obtain the video to prove our pedestrian client was struck by a bus that had driven up over the curb as it was turning and struck our client causing her injuries. The city then decided to settle the claim). Follow the link for more details: A city bus rolls up onto the curb and strikes a pedestrian who was waiting for the walk sign at the light.

Case: Trucking company’s sheet-metal is hauling flies off the truck into the path of traffic causing a collision: (Trucking company loses part of its load causing injury to a woman driving her car. The company tried to deny ownership of the truck in question, but the evidence was uncovered proving their ownership and control of the driver in question. Case settled). Follow the link for more details: The trucking company’s sheet-metal it is hauling flies off a truck into the path of traffic causing a collision.

Case: Employer causes a dangerous condition that causes a serious injury to its employee: (Employer causes a dangerous condition that causes serious injury to an employee. Employer denies they did anything wrong. Evidence is produced at trial proving our client’s case and a large verdict is awarded by the jury). Follow the link for more details: An employer causes a dangerous condition that causes serious injury to an employee.

Related Dallas Motor Vehicle Accident Pages:

• Car Accident Lawyer
• Bicycle Accident Lawyer
• DWI Accident Lawyer
• Dram Shop Lawyer
• Motorcycle Accident Lawyer
• Pedestrian Accident Lawyer
• Truck Accident Lawyer
• Wrongful Death Lawyer

Related Personal Injury Pages:

• Construction Accident Injury Lawyer
• Dog Bite Lawyer
• Personal Injury Attorney
• Premises Liability Lawyer
• Workplace Injury Lawyer
• Slip and Fall Injury Lawyer | Premises Liability Attorney
• Construction Accident Lawyer
• Workplace Injury Lawyer | Nonsubscriber Workers Comp
• Dram Shop Act Personal Injury Lawyer

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