Farmers Insurance leads the industry in consumer complaints | Dallas, Texas Personal Injury Attorney Blog

By Montes Law Group, LLP on Monday, November 7, 2011

Maybe Farmers needs to send its staff and its lawyers back to Farmers University to learn how to be fair.  A new report is very telling about how Farmers treats its insureds.  Insurance companies are paid huge amounts of money in premiums to protect us.  Insurance giants like Farmers advertise and spend millions, if not bilions, of dollars getting hard working people to buy their product, promising good service, and fair treatment.  In fact, insurance companies like Farmers Insurance have certain duties to their own insureds to treat them fairly, and pay claims that are made by and against policy holders.  A new study has established that Farmers Insurance, the state’s 3rd largest insurer, has received more complaints about its handling of homeowner claims than any other insurer in Texas.

What does this translate to?  Well, Farmers Insurance received 207 complaints from Oct. 1, 2010, to Sept. 30, 2011, according to Austin-based Texas Watch, which obtained complaint data from state regulators.  How does this compare with other big insurance companies?  State Farm, which has the largest market share in Texas, had 198 complaints, and Allstate, another of the “big 3” had 159.  Allstate is the second-largest home insurance company in the state.

This data unmistakably measures companies stack up against each other.  Of note, the data do not include complaints about coverage or premium issues, but those dealing with payment delays, underpayments, denials and other matters pertaining to how claims are handled.  This amounts to the basic element of fairness.  A hard working person sends their premium money in to Farmers, Farmers cashes the check, and these people contend Farmers never held up their end of the bargain.

If you have been treated unfairly by Farmers Insurance or any other insurance company, hire a lawyer to fight for what you paid premiums for, fairness and respect.  At the Montes Law Group, we help people.

Rachel E. Montes, named Texas Superlawyer, D Magazine Best Lawyers, graduate of the Trial Lawyers College

Avandia makers Glaxo Smith Kline expected to pay 3.4 billion to injured and families of deceaseds | Dallas, Texas Personal Injury Attorney Blog

GlaxoSmithKline (GSK) is expecting to pay $3.4 billion to settle legal charges relating to its diabetes drug Avandia, as well as sales and promotional practices in the US for other products. The amount is in addition the $2.36-billion legal charges previously announced in July 2010 for legal cases regarding Avandia, Paxil, and the company’s former manufacturing site in Cidra, Puerto Rico.

Since July 2010, GSK says it has continued to receive a “substantial” number of new product liability cases regarding Avandia in the US. The $3.4-billion estimate stems from the company’s assessment of the additional cases and an estimate of likely future claims.

“We recognize that this is a significant charge, but we believe the approach we are taking to resolve long-standing legal matters is in the company’s best interests,” P.D. Villarreal, senior vice-president of global litigation at GSK, explained in a statement. “We have closed out a number of major cases over the last year and we remain determined to do all we can to reduce our litigation risk.”

The European Medicines Agency recommended that Avandia-once GSK’s biggest grossing blockbuster-be removed from the EU market in September 2010 because of cardiovascular safety concerns. Around the same time, the US pinned stringent restrictions on the product’s use.

Avandia has been associated in studies with increased risk for dangerous health conditions such as heart attack, heart damage, stroke and other associated conditions. Another danger that may occur in patients taking Avandia® is fluid retention or swelling that may lead to or worsen heart failure. People with a history of heart problems should talk to their doctors before starting an Avandia® prescription in order to prevent dangerous cardiovascular side effects including swelling, tiredness and shortness of breath. Because of this dangerous possibility, Avandia® is not recommended for patients with severe heart conditions.

The liver is also an area of potential danger for Avandia® patients. The drug is not recommended for people with active liver disease. It may cause unexpected tiredness, unusually rapid weight gain, dark, yellow urine, yellowing of skin and stomach problems. These symptoms are often associated with liver disease, which is a possible danger of taking Avandia®.

WHY DON'T OUR SCHOOL BUSES HAVE SEATBELTS? | Dallas, Texas Personal Injury Attorney Blog

WHY DON’T OUR SCHOOL BUSES HAVE SEATBELTS?

By Rachel E. Montes on Wednesday, December 29, 2010

Why is it that our most precious gifts, children, are not as protected as they should be? Tragically, most of the operating school buses in the U.S. do not have seat belts or similar restraints to protect our children in the event of an accident. The kicker is, for buses that are under 10,000 pounds, federal law requires a restraint system, but that’s only a small proportion of the school buses in use, and generally used for transporting disabled and special-needs students. As such, they fall under the purview of cars, light trucks and passenger vehicles because of their similar low weight and center of gravity.

But larger buses, the buses that the majority of our children ride, are much heavier, and higher. As a result, the passengers on the bus sit higher, and this is supposed to be a safeguard in collisions. For those, federal education and transportation agencies leave the decision up to the states. And so far, only six require seat belts to be installed.

School and transportation officials cite two main reasons for declining to install seat belts:

• Cost. Separate studies by the NHTSA show that installing seat belts would add anywhere from $8,000 to $15,000 to the cost of a new bus while having little to no impact on safety.

Seat belts would also take up room that’s now used for seats, meaning fewer children can be accommodated on each row. That could require school systems to increase their bus fleets by as much as 15 percent just to transport the same number of pupils, it suggested.

• Safety. Numerous safety agencies say seat belts aren’t the best choice for children, which is why nearly all states

require container-like full car seats for younger kids in passenger cars.

Looking at both sides of the equation, the pros and cons are obvious:

Pros

Education children to buckle up.

Seat belts often prevent litigation.

Using seat belts improves behavior on school buses.

Installation of seat belts in school buses would cost less than $2.00 per child – a small price to pay to prevent serious injury or death.

Seat belts prevent students from being thrown out of their seats if their bus is involved in an accident.

Cons

School buses have an excellent safety record. Therefore seat belts are not a necessary expenditure.

Seat belts are not effective in most school bus crashes.

Though the cost per child to install seat belts in school buses is low, multiply that by thousands of buses and the cost is astronomical.

Seat belts prevent students from exiting the bus quickly if fire or water is involved. A bus driver cannot help all students escape if they are belted and the bus is sinking in a lake or other body of water.

The installation of seat belts doesn’t mean they will be used. Drivers cannot be expected to police proper use of seat belts. This would mean helping young students adjust belts each time they got on the bus.

Seat belts may be a hindrance in catastrophic events such as earthquakes or flash floods.

Seat belts could be used as weapons if a dispute occurs between students.

Students who fail to use installed seat belts could cause serious injury to students nearby should a crash occur. They would slam into belted students who would absorb a double impact.

There are no federal standards to outline proper installation of seat belts in school buses.

Because a school bus weighs tons and is large, collision impact is absorbed by the mass and the crash force is far less than that felt in an automobile.

Students on school buses are protected because they are above the impact zone if a crash occurs.

School buses travel at the speed limit or less. Since speed is a factor in a large percentage of accidents, bus fatalities occur less often than automobile fatalities.

There are many pros and cons to the school bus seat belt controversy. Now that you are aware of the pros and cons, you will be able to make an educated decision on the controversial subject.

DALLAS PASTOR ARRESTED FOR CHRISTMAS EVE BURGLARY | Dallas, Texas Personal Injury Attorney Blog

Dallas Police have arrested Pastor Sandy McGriff (52), pastor of The Church of the Living God, and charged her with burglarizing a home and attempting to steal more than $10,000 in clothes and other items on Christmas Eve from the home of one of her church members.

McGriff has said it is all a big misunderstanding and a personal lapse in judgment. She says she actually was bravely protecting her former parishioner’s valuables from two other would be theives. McGriff says she went to pick up a peach cobbler from a friend. And then, she said, “Something just told me to go past her friend’s house. McGriff says she noticed two men coming from the side of the home. She then walked around the home and saw a broken kitchen window.

McGriff did not call 911 or even her friend. McGriff cleared away the broken glass, stood on a barrel and climbed through the window to save her parishioner’s stuff from thieves she feared might return. McGriff says, “My mistake was I did not call 911,” the pastor told a reporter. “I just used poor judgment.”

However, a neighbor, David Nanez saw the pastor and he told police he watched the pastor use a ladder and then a barrel to climb up to the window and hit it with something.

According to the Dallas Morning News, McGriff has a previously used a fake name and a allegedly has a criminal record that includes a 35-year-old prostitution conviction.

PARENTS OF PRAIRIE VIEW A&M STUDENT WHO DIED IN A HAZING INCIDENT SETTLE LAWSUIT | Dallas, Texas Personal Injury Attorney Blog

Donnie and Katrina Wade, the parents of Donnie Wade II, a 20-year-old biology major at Prairie View A&M University who died in a hazing incident in 2009 have settled their wrongful death lawsuit against the fraternity their son was pledging.

According to a report from Prairie View A&M University, the University found that Donnie Wade II and other pledges were exposed to “unreasonable risk or harm” when ordered to participate in intense exercise drills. During one of those early morning drills, Donnie Wade II collapsed on the Hempstead High School track and never regained consciousness. Instead of calling for an ambulance, fraternity members drove him to a Houston hospital. The medical examiner ruled that Wade died as a result of acute exertional rhabdomyolysis, which can be triggered by strenuous exertion. This medical syndrome, which leads to muscle degeneration, has been linked to the sudden deaths of military recruits and athletes.

Phi Beta Sigma’s chapter was disbanded this spring after a university review board determined that members violated hazing rules and plotted a cover-up after Wade’s death. To further ensure that this fraternity does not simply re-organize and re-open a chapter at the university, the university sanctioned Phi Beta Sigma with a suspension lasting through December 2014 and a probation ending in May 2015.

This case presents a very typical type of hazing case. Usually, the fraternity pledges are forced to undergo certain rituals, exercises or to participate in activities that lead to others being injured or killed. Often, alcohol is involved and the fraternity members engage in these activities every year under the banner of “tradition” to make the pledges feel as as a test of loyalty and unity. These hazing activities often are considered a rite of passage that the victim must endure before the victim is permitted to become an official member of the group. These rites of passage tend to focus on efforts to humiliate, embarrass and often times even involve physical or sexual assault that may cause permanent physical and mental injuries, and in some cases even result in death. Then, after the fact, the group involved often tends to “circle the wagon” to protect the organization and the individuals involved as part of the Code of Silence. Education and enforcement of anti-hazing policies and laws appear to be the best ways to combat this counter-culture and to expose these groups and behaviors. Holding those involved accountable is an important step towards stopping the cycle of abuse so that others will know that these illegal behaviors will not be tolerated.

If you or a loved one is seriously injured or killed as a result of a hazing incident, it is important that you take action quickly to protect your rights. Communicating in writing with the appropriate organizational, educational and police authorities to properly and timely document your complaints is extremely important. Some schools and universities have extremely short deadlines (sometimes as short as 48 hours from the time of the incident) in their Codes of Conduct to report such conduct if you desire for the institution to take any action. If you find yourself in this situation, you need to know your rights and take action quickly to protect those rights.

Montes Law Group, P.C.
Attorney: Rachel Montes

SEVERAL DEATHS ON AREA LAKES OVER MEMORIAL DAY HOLIDAY SHOW THE IMPORTANCE OF WATER SAFETY | Dallas, Texas Personal Injury Attorney Blog

Each year, the Memorial Day Weekend marks that beginning of summer and a substantial increase in lake activities in the area. Sadly, this year, like many previous years, the holiday has been marked with several deaths on local lakes.

Sunday night, two personal watercrafts collided on Eagle Mountain Lake and killed two people. The crash occurred about 8:30 p.m. on the southwest portion of the lake near Azle. Two men on a personal watercraft collided with another personal watercraft operated by a man who had a female passenger. The man and woman on the same watercraft were killed. The man was identified as Richard Minnaar, 22, of Keller, according to the Tarrant County medical examiner’s office. The woman’s identity had not been released Monday afternoon. “The investigation into the cause is still pending,” Lorance said.

Anyone who has ridden a personal watercraft knows how much fun these machines can be to operate, but they still require a level of skill and control that some people fail to appreciate. Because these machines have the ability to rapidly accelerate, and despite the fact that they look like a motorcycle, they do not brake or steer like a motorcycle. Therefore, stopping quickly or trying to make an emergency maneuver on a personal watercraft or jet ski can be very difficult for inexperienced riders. As a result, many lakes control not only the areas where personal watercraft can be operated, how those personal watercraft can be operated, and how much distance operators are required to keep between themselves and other watercraft, swimmers and the shore.

Although the reports on this incident have not given any indication if alcohol is suspected to have played a part in this collision, it is not uncommon for boating accidents to be an alcohol-related event as many people see going to the lake as an excuse to drink. However, Texas law makes boating while intoxicated just as illegal as driving while intoxicated, and being at the lake does not shield someone from being charged with public intoxication. Read our blog on Boating While Intoxicated for a brief review of some of the laws affecting alcohol consumption.

Sadly, there were two other deaths on area lakes these weekend.

Ricky Frazier (22) of Irving is believed to have drowned in Lake Grapevine after jumping into the lake from a boat 100 yards off show and never re-surfacing. Investigators do not know what caused Frazier to disappear but said alcohol does not appear to be a factor. Divers were also checking conditions at the site where he jumped in.

Balint Gash (24) of The Colony also died Sunday at Lake Lewisville after jumped off a boat and never surfaced. Game Warden Neal Bieler, captain for the Fort Worth district, stressed how important it is for all people at the lake to wear a life jacket whether people think they need them or not.” And for children, the law requires children 13 and under to wear a life jacket on any watercraft at all times, and each water craft must have at least one life jacket for each person on board. Likewise, any person riding a personal watercraft without a life jacket can be charged with a Class C misdemeanor.

Rachel Montes and Tom Herald are the attorneys at Montes Law Group, PC. We are located in the Dallas Fort Worth metroplex at 1121 Kinwest Parkway, Suite 100, Irving, Texas 75063. Telephone (214) 522-9401. Visit our website at www.Monteslawgroup.com and our Facebook at Montes Law Group, PC. to learn more about current events and issues that may affect you.