Articles Posted in Car Accident

cropped-300x225Tapalian Law is pleased to announce a $205,000 award in a recent settlement for a North Providence, RI car accident client. Our client was awarded the compensation for injuries sustained in a rear-end collision that took place on Douglas Avenue. The settlement was proudly accomplished by our dedicated North Providence car accident lawyers. Attorney David Tapalian and his personal injury team worked diligently on the claim to pursue maximum monetary recovery for the injured man. For over 20 years, Tapalian Law has helped victims of car accidents in North Providence, and all over Rhode Island and Massachusetts, seek just compensation for their injuries and get back on the road to recovery.

The crash occurred when our client was stopped on Douglas Avenue facing northbound and his car was struck from behind by another vehicle, operated by the defendant.  The resulting impact of the rear-end crash pushed our client’s car into the vehicle in front of him. Though this impact was forceful enough to cause significant personal injury, the insurance company argued otherwise.

You may be surprised to learn that some insurance companies use a computerized system to analyze photographs of the impact to vehicles.  These insurance companies use the computerized data to place a monetary value on the injured person’s claim, comparing the vehicle damage to the clients resulting injuries.  In this case, almost immediately the insurance company began their game of arguing that our client’s injuries could not be caused by the accident. Based on the relatively minor impact to his car, the insurance company claimed his injuries couldn’t be that serious. However, as an experienced North Providence car accident attorney David Tapalian knew differently and could see that liability was clear-cut in this case.

cumberland-car-accident-pic-300x225Tapalian Law is pleased to announce a $135,000 settlement by Rhode Island car accident lawyer David Tapalian and his legal team. Our client, a passenger in a vehicle traveling south on Mendon Road in Cumberland, was seriously injured in a horrific side impact accident in early 2017. The crash took place when another vehicle struck the front passenger side of the car she was riding in, resulting in a serious collision that totaled both vehicles. This particular stretch of Mendon Road is especially dangerous due to the high volume of vehicle traffic coupled with the numerous intersections that feed into the road and we’ve seen a number of collisions take place in this area of Cumberland.

The driver of the vehicle that hit our client was found to be 100% at fault for the collision. In determining liability, a passenger is very rarely ever found to have fault. Distracted, the motorist claimed he did not see the victim’s car as he pulled out of Bemus Avenue onto Mendon Road. This costly turn would have a lasting impact on our client’s life.  She reported immediate pain at the scene of the crash and was transported by ambulance to Landmark Medical Center for treatment where she reported excruciating pain throughout her body immediately following the accident. As a Cumberland car accident attorney, David Tapalian always tells clients to be proactive with seeking medical treatment. Even if you do not feel immediate pain following an accident, it is always safest to seek medical attention either via ambulance, visiting a local medical walk-in, or your family physician right away. The success of this victim’s settlement was partly due to her diligence in reporting her pain immediately.

Injured Victim Not a Candidate for Surgery

American-flag-300x226As July 4th approaches, many Rhode Islanders are preparing for fireworks, barbecues, or a day at the beach.  Independence Day is all about celebrating our freedom as a country. However, our freedom comes with many responsibilities, like driving safely. With large numbers of people celebrating the holiday, distracted and impaired drivers are taking to the roads at much higher volumes and thus, car accidents are more likely than at any other time during the summer. Rhode Island Car Accident Attorney David Tapalian wants everyone to have a fun and safe holiday, and reminds you to be aware of the dangers of driving this summer holiday weekend.

Independence Day Crashes Can Be Deadly

The National Safety Council (NSC) estimates that 565 people will be killed and 64,500 will be seriously injured in car accidents on the Fourth of July. This is almost 5 times the number of fatalities, and 6 times the number of injuries that occur on an average day. The Independence Day holiday is technically considered a four day period, which starts late on Wednesday, July 3rd and ends on Sunday, July 7th. Thus, any of the days during this period are known to be especially dangerous for drivers. Below is more information to keep you informed as we head into the holiday weekend.

photo_116073_20180730-300x187If you’re a driver in Rhode Island you’ve probably heard by now that Progressive Insurance Company agreed to repay approximately $2 million to current and former Rhode Island customers.  Why? Over a period of five years, Progressive Insurance Company improperly charged some Rhode Island drivers for their car insurance policies.  The Rhode Island Department of Business Regulation and Progressive Insurance entered into a consent agreement in February 2019 which amounted to money being reimbursed to potentially 4096 Rhode Island policyholders that were affected.  In addition to the reimbursement, Progressive agreed to pay a fine of $10,000.  As personal injury attorneys in Rhode Island and Massachusetts, Tapalian Law works with large insurance companies on a daily basis negotiating on behalf of injured car accident victims. The negotiation process is a constant back and forth battle to get fair compensation for our clients who have truly suffered harm in a car accident caused by one of these big insurance companies insured. The insurance companies want to compensate those injured in a car crash as little as possible to protect their bottom line. For Rhode Island personal injury lawyers, it’s a reminder of how unfair a fight it is for an individual to go up against a powerful company on their own and how important it is to have an experienced car accident attorney like David Tapalian on your side to make the fight a fair one.

Progressive Not the First Auto Insurer to Pay Out to Rhode Island Drivers

To a large, national company like Progressive Insurance, $2 million is a drop in the bucket.  But to the consumer, some who struggle to make ends meet each month, the refund will be a welcome reprieve. Progressive is not the first insurance company to pay out to Rhode Island drivers. As reported by WPRI in 2018, Esurance Property and Casualty Insurance Company agreed to pay $223,963.40 to 279 Rhode Island policy holders as a refund for surcharges made in error on the part of Esurance. Auto insurance companies that advertise heavily frequently enter into consent agreements and usually do not admit liability and keep the fine out of the public eye.

photo_113343_20170924-300x200In light of the recent sudden, and unfortunate, death of actor Luke Perry of Beverly Hills 90210 and Riverdale fame, strokes and their causes are receiving renewed attention.  There are many causes for a stroke and although most are unrelated to auto accidents, as personal injury attorneys in Rhode Island and Massachusetts, we are often asked the question- can a car accident cause a stroke?  A stroke can, in fact, be a result of a car accident under certain circumstances, such as severe whiplash resulting from a crash.  Even a modest impact in a collision can result in whiplash significant enough to cause an arterial dissection.   An arterial dissection  takes place when the lining of an artery tears and separates from the vessel wall.  This may occur from excessive trauma in the neck area.  Experiencing serious whiplash can result in a blood clot forming at the tear site and once this tear occurs, it can travel to the brain to block the flow of blood to the brain tissue.  Though arterial dissection’s do not account for a high number of strokes, they can still cause considerable difficulties after a trauma. Aside from an arterial dissection, significant head trauma occurring from a wreck can result in a stroke taking place in the weeks or months following an injury.

You May Be Entitled to Compensation if You Suffer a Stroke Due to a Car Accident

If you suffer a stroke caused by a car accident in Rhode Island or Massachusetts, you may experience substantial lifelong damages. If you are unable to recover to your pre-stroke abilities, you may be rewarded extensive compensatory damages. The experienced RI and MA car accident lawyers at Tapalian Law know how to present your damages in order to seek maximum compensation on your behalf for your losses. Car accidents causing a stroke can have a significant monetary value and the insurance companies know this. Aggressive insurance companies will fight hard to prove your stroke was not a result of the injuries caused by their insured so they aren’t responsible. This is why you need a top-rated Rhode Island car accident attorney like David Tapalian on your side to fight for your legal rights. Following is a list of some of the damages your injury lawyer may present on your behalf after you suffer a stroke resulting from a car crash in RI or MA:

car-insurance-300x199When it comes to buying auto insurance, many risk factors contribute when setting rates. Common factors considered are age, gender, location, type of vehicle, and driving record, to name a few. Massachusetts car accident lawyers know auto accident statistics show male drivers get in more accidents than female drivers, and therefore females typically have lower premiums due to being less of a risk factor to the insurance company. But for Massachusetts drivers, this is not the case. Although an individual’s driving record and car accident history carry heavy weight in determining Massachusetts car insurance premiums, gender is no longer a risk factor for Massachusetts drivers buying auto insurance. This may mean higher insurance bills for female drivers, who no longer benefit from what typically equates to a lower rate based on their gender, and perhaps lower premiums for males. Whether or not drivers agree with this modification, the Seekonk, Massachusetts car accident attorneys at Tapalian Law know how extremely important, and valuable, good auto insurance is when you get hurt in a car accident.

Focus Moves to Driving Behavior to Determine Car Insurance Rates

Lawmakers and regulators have long been pushing to put more focus on driving behaviors and safe driving records when setting car insurance rates, rather than criteria like gender, that seem less related to risk. Aside from teenage drivers, a category where statistics show year after year male teenagers consistently get in more car accidents than their female counterparts, on a national level gender does not play that big of a role in the price difference for car insurance after the teen and young adult years. Car accident attorneys in Massachusetts continue to see a large number of auto accidents resulting in personal injury caused by distracted driving, drunk driving, and speeding. Lately, insurance companies have become stricter about penalizing reckless driving habits.  Negligent driving habits like distracted driving, including use of a hand-held cell phone to talk or text while operating a motor vehicle, are increasing car insurance premiums at a higher rate. For example, a ticket for distracted driving bumped up insurance premiums by nearly 20 percent in 2018, compared to a barely 2 percent increase in premium three years earlier.  Factors that increase car insurance premiums even greater than distracted driving are speeding tickets and being arrested for driving under the influence, DUI or DWI. Putting gender aside, car insurance rates have increased across the country says Alyssa Connolly, Director of Market Research for Zebra, an online search engine allowing consumers to price-compare car insurance policies, stating “it’s the highest its ever been nationally. Rates are up this year for 83 percent of Americans.” The average car insurance premium in the U.S. is at $1,470, up 23 percent from 2011. A recent post on the Tapalian Law Rhode Island Accident Lawyer Blog, showed that right over the Massachusetts border, Rhode Island drivers pay the fourth highest car insurance premiums in the U.S.

photo_116565_20180829-300x157Car insurance is an expensive purchase, particularly for Rhode Island drivers. If you own a vehicle, it’s inevitable. Ranked #4 in a 2018 car insurance rate comparison by state, Rhode Island has the fourth highest car insurance premiums in the Nation. With an average yearly premium of $1,852, it’s helpful to know how the price is determined when making such a significant purchase.  At Tapalian Law, we truly know the importance of having suitable car insurance coverage, as we explored in a recent Rhode Island Accident Lawyer Blog. But why are car insurance premiums in Rhode Island 36% above the national average? Little Rhody may be the smallest state, but we are well populated and pack a lot of drivers into such a small area. Providence personal injury lawyers know that more drivers on the road will almost inevitably lead to more crashes. More accidents lead to more insurance claims, hereby bumping up car insurance rates. Whether you are looking to insure a new teenage driver or shopping around for new car insurance for yourself, its good to know what to expect when price shopping car insurance in Rhode Island.

How are Car Insurance Rates Determined?

Auto insurance premiums vary from state to state and from company to company but there are a multitude of similarities among them.  Vehicle insurance providers determine your premium based on a number of risk factors. Some of these risk factors you can control, some you cannot.

car insurance onlineOnline shopping is a huge time saver. It’s the place most of us go to research and price compare purchases from baby strollers to computers to refrigerators. Information is quick, easily accessible, and the research and purchase can be done right from home in your pajamas. So how about buying auto insurance online? Commercials advertise free, online insurance quotes all the time. How difficult can it be to buy car insurance online? As Providence auto accident lawyers, we deal with insurance companies every single day, but we understand for most people wading through the fine details of car insurance, deductibles, and legal jargon can be a frustrating ordeal. The ease of being able to comparison-shop and obtain auto insurance online sounds appealing.  Tapalian Law knows that Rhode Islanders are involved in thousands of traffic accidents each year resulting in serious injuries and fatalities and proper insurance protection is a must. So, whether you live in Newport or work in Providence, quality car insurance is not just a smart decision, it’s also the law in Rhode Island.

Why is it Difficult to Purchase Car Insurance Online?

The percentage of American households who shopped online for car insurance hit a record high last year. However, only a quarter of those drivers actually made the purchase online, according to a J.D. Power survey. Car insurance is an extremely important purchase and not one to be taken lightly, as anyone who has been hurt in a car accident knows well.  Consumers are doing their due diligence and researching the variety of car insurance options online, but why aren’t they making the final acquisition online?  There are a few explanations but the general consensus says shopping for car insurance online can be a frustrating experience.

Texting-Driving-Female-2-300x225It sounds dramatic, but yes, two seconds can be the difference between life and death. Taking your eyes off the road for only 2 seconds has been shown to double the odds of a car crash. In 2016, an estimated 3,450 people were killed in the U.S. in crashes linked to distracted driving. As Providence personal injury lawyers, Tapalian Law knows that car accidents caused by distracted driving can result in serious injuries or fatalities, yet are completely preventable. We see it every day on the streets and highways of Rhode Island- drivers performing another task like texting, adjusting the music, putting on makeup- behind the wheel. We multi-task on a daily basis at home, work, and school, but the truth is our brain cannot perform multiple tasks as well as it can when focused on one at a time. The result can be inattentional blindness, a lack of attention not associated with any vision defects. For example, a truck driver busy composing a text may miss a stop sign even though the sign is in plain view. The outcome may be a crash with another vehicle or a pedestrian. When 2 seconds can cause a death or serious personal injury, multi-tasking shouldn’t even be an option.

Negligent Driving in Rhode Island

Using a hand-held cell phone while operating a moving vehicle is illegal in Rhode Island. Hands-free devices are allowed per the June 2018 law, and while helpful do not necessarily equate to safe driving. Our brains are simply incapable of expertly performing two thinking tasks at the same time- like operating a vehicle and talking to a friend on the phone, even using a hands-free device. As Rhode Island personal injury lawyers, Tapalian Law knows that inattention to the road can easily result in a collision with a vehicle, bicyclist, pedestrian, or a stationary object like a parked car. Laws, common sense and distracted driving campaigns are important, but not always heeded. Drivers still struggle to avoid the temptation to text, check emails, and use social media when on the road. We must continue to spread awareness of the dangers of distracted driving, and also find solutions to lessen it with the aid of auto manufacturers and help from technology features.

photo_103920_20170708-225x300Hundreds of thousands of seniors are hurt or killed in car accidents each year. More than 200,000 drivers over the age of 65 were injured in crashes in 2016, over 3,500 were fatal. Seniors are some of the safest drivers- they are more likely to wear seat-belts, drive sober, and observe speed limits. Yet they are more likely to die in a car crash than other age groups. Behind teenage drivers, seniors have the highest crash death rate per mile driven. With the population living longer, AAA researchers have found that older drivers are now outliving the age when they can drive safely by 7-10 years.  In Rhode Island alone, 20% of drivers are over age 65. The personal injury lawyers at Tapalian Law are always concerned about safe driving habits.  After all, we see clients every day, from new teenage drivers to senior citizens, who suffer from serious car accident related injuries. Our RI injury attorneys know the life-long implications car accident injuries can have on a victim. An aging person’s body is not as agile and flexible as it once was and may not heal from injuries as quickly as a younger person, further complicating the recovery process.  It may be a difficult or embarrassing topic to broach with aging parents. And that’s probably why over 80% of aging drivers never talk to a doctor or family member about it. Typically, when they do it is often too late and happens after a crash or near-collision while on the road.

Why Are Seniors More Likely to Die in Car Crashes?

Fatality rates for older drivers are 17% higher than for 25-64-year-old drivers. Seniors are more likely to die in a car crash than younger people, largely due to having more fragile bodies and underlying medical conditions that can worsen injuries and hinder recovery. But it’s not just the plain fact of old age that can impair older drivers and cause auto accidents. Many other aspects of aging can impede safe driving habits.  As personal injury accident lawyers, we see medication side effects or health circumstances frequently factor into car accidents involving older adults. Over 75% of drivers age 65 and older use one or more medication which can potentially impact their driving ability. As we age, it is common to experience vision changes, hearing loss, delayed reaction time, and mind and cognition impairment. Weaker muscles, decreased flexibility, and reduced range of motion can affect and restrict the ability to hold and turn a steering wheel and press the gas or brake. Arthritis affects half of the middle-aged population and 80% of those in their 70’s. It can cause crippling joint inflammation making the turning, flexing, and twisting needed to operate a motor vehicle and react quickly, painful or physically impossible.

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