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Andrew Salmon

asalmon@stark-stark.com
609.895.7399

Andrew M. Salmon is a Shareholder and member of Stark & Stark's Accident & Personal Injury Group. Prior to joining Stark & Stark, Mr. Salmon was an assistant prosecutor with the Mercer County (NJ), Special Investigations Unit; prosecuting attorney for the City of Richmond Heights, St. Louis, MO and assistant prosecutor, St. Louis County, MO. He also had his own practice in St. Louis with an emphasis on criminal defense. His experience includes federal. state, and municipal criminal and civil trial and appellate practice. Mr. Salmon recently received a jury verdict of $2,175,000 for a Plaintiff in a motor vehicle lawsuit in Atlantic City, N.J. Lupinacci vs. City of Atlantic City.

Entries authored by Andrew M. Salmon

Common Questions Associated with Car Accidents

Do I have to tell my insurance company I was in an accident?
In New Jersey, most insurance companies require you to place them on notice of an accident within a set period of time. Failure to do so may result in denial of coverage. Before you say, “but I don’t want my insurance rates to go up”, think about having your insurance canceled for failure to report a claim. Which would be worse?  Additionally, insurance companies usually do not raise your rates when the accident was not your fault.

What insurance company do I have to use?
If the other driver is at fault, you may choose between your own insurance company (if you have New Jersey Collision or New Jersey Comprehensive coverage) or the negligent driver’s insurance company.

What about a deductible?
If you make a claim under your carrier, you will likely be charged a deductible. Your insurance carrier will then “subrogate” (seek reimbursement) from the negligent driver’s carrier. This reimbursement can, but does not always, include recouping your deductible.

What are some tips to remember in case I’m in an accident?

  • Always take pictures of the damage to your car, regardless of who does the repairs.  
  • Don’t be tempted to “over claim.”  The insurance company is only responsible for repairing the damage from the accident, or replacing the totaled car. An insurance company is not responsible for fixing the dent you caused in a separate accident last summer.
  • Regarding the value of a “totaled” car, insurance companies select one of three methods approved by the Commissioner of Banking and Insurance.
  • If the insurance adjuster (yours or theirs) is being unfair, i.e. is undervaluing the damage, is apportioning some fault to you, when you believe you did not cause the accident, or insists on repairing a car you believe to be totaled and perhaps unsafe, you should consult with an attorney. While property damage claims are generally fairly cut and dry, insurance adjusters are employees of the insurance company whose job it is to minimize exposure/loss.
  • If you sustained bodily injury, you should consult with an attorney. Some individuals unwittingly resolve “all claims” (property damage and personal injury) when they deal directly with the negligent party’s insurance company.

Andrew Salmon is a member of Stark & Stark’s Lawrenceville, New Jersey office, specializing in Accident & Personal Injury Law. For more information, please contact Mr. Salmon.

Be Sure to Remove Snow and Ice From Your Entire Car, Not Just the Windshield!

Did you know that New Jersey has a law on its books requiring you to make sure that snow and ice has been removed from your entire car before you hit the road?  In fact, police have issued over 3,200 tickets since the law took effect in October 2010.
 
Most people assume that so long as their windows are clear, they are safe.  However, this is not the case. Hard snow and ice accumulations routinely fly off while driving, creating dangerous conditions for other drivers whose cars are struck by the flying object itself, or who get spooked while trying to avoid these dangers.  
 
The law states that each driver of a motor vehicle (including commercial trucks, cabs and trailers) in this State shall have an affirmative duty to make all reasonable efforts to remove accumulated ice or snow from exposed surfaces of the motor vehicle prior to operation. These surfaces include the hood, trunk, windshield, windows, and roof of the motor vehicle.
 
The law does NOT apply to any driver who is operating during a snow or ice storm that began and continued for the duration of the motor vehicle's operation, or to any operator of a motor vehicle while it is parked.

Fines for violating the new law range from $25 to $75 if no injury or property damage occurs. If failure to remove ice and snow results in injury or property damage, motorists can face fines ranging from $200 to $1,000, while commercial motor vehicle drivers face fines ranging from $500 to $1,500, for each offense.

Perhaps the thought of having to spend the extra time in your pjs or work clothes, coupled with the non-point, relatively low fine, makes you say, "no thanks - I'll just get the windows."  
But the thought of causing damage to someone else' car, or worse yet, causing serious injury to others, will hopefully give you pause to remember and follow this law.

Andrew Salmon is a member of Stark & Stark’s Lawrenceville, New Jersey office, specializing in Accident & Personal Injury Law. For more information, please contact Mr. Salmon.

Can A Court Grant Access to Your Personal Information on Social Media Sites During Your Case?

Although Facebook, YouTube, Twitter and other forms of social media are great ways of staying in touch with family and friends, there are obvious risks associated with each one of these social mediums. Just look at the evening news to see story after story about public figures demolishing their careers through mistakes made on social media sites.

In the legal context (civil litigation), aside from the obvious (constitutional right to free speech and privacy) we are seeing demands from defense attorneys and insurance companies for access to Facebook and Myspace accounts, cell phone records, Google history and various other mediums. Which brings us to the issue of what is and what is not “discoverable” in the civil litigation context.  

Can someone involved in your case be granted access to pictures of your vacation that you shared with family online?  If you are involved in an accident, does the other side have access to your Facebook account?  Are they entitled to view my personal posts to friends?  

Laws answering these questions are new and unsettled.  For now, the admissibility is a decision for the judge who must balance the relevance with the potential prejudice or hardship to the parties.  But, you can be sure the defense will at least ask for this information.  So, for now, we advise our clients: if you e-mail, facebook, myspace or utilize any other social media to discuss your accident or injuries, you need to at least assume that this information (i.e. pictures, communication, funny little captions, e-mails, etc.) could be discovered. 

Andrew Salmon is a member of Stark & Stark’s Lawrenceville, New Jersey office, specializing in Accident & Personal Injury Law. For more information, please contact Mr. Salmon.

When is a Sports Injury Cause for A Lawsuit?

In a previous post, I discussed the issue of “assumption of risk. Although pure “assumption of risk” no longer exists in codified form in New Jersey, if you were to just ask John Doe about the topic of sports injuries, chances are he would say, “hey, you chose to play a sport like football or hockey or soccer, and you get injured, it’s your fault.”

In a recent New York Times article, ESPN’s Chris Mortensen wrote about the growing concussion problem in The National Football League (NFL), and how the NFL has been under increased pressure to correct it. The article was in response to a concussion suffered by Cleveland Brown’s quarterback Colt McCoy. McCoy suffered a hard hit during a Thursday night game against the Pittsburgh Steelers. He came to the side-lines and (some say) was obviously shaken up.  But, because he did not complain of concussion like symptoms (dizziness, vision, headaches), the Brown’s staffers only checked the quarterbacks hand before putting him back onto the field. It wasn't until Friday morning that McCoy was administered the mandatory Sport Concussion Assessment Tool review, commonly referred to as SCAT 2, which doctors determined was abnormal.

 The troublesome issue, and subject of this and many other related articles, was that the test was not administered Thursday night when the injury was initially suspected. What made matters worse for the Browns organizations was that McCoy's symptoms were evident at the team's public relations interview after the game, when staff asked that the television cameras not use their lights, fearing McCoy would be light sensitive. What does that tell you?  

Not many of us feel a great deal of sympathy for the players. Yes, football is a brutal sport and by the time the players get to the pro level, each knows there are risks associated with playing.  And, most of us feel, “heck, these guys are getting millions of dollars a year to play a game.”

Is it any different for an 18-20 year old college athlete? In 2006 a 19 year old La Salle University football player suffered a concussion after a hit during practice. But, before he was fully healed, he was cleared to return to play. n a game after that, he was struck again (in probably what seemed like a typical football hit) but amounted to a “second impact syndrome” and caused significant and permanent brain damage to him.

Who makes that decision to put him back on the field?  The 19 year old trying to carve out his place on a college team?  The trained professional staff the player’s parents entrusted with their young adult child?

At the local level, we have ball fields all over this state for recreational sports for every age:  middle school, prep school, high schools and colleges.  

Stark & Stark represents clients who have been injured in sports-related injuries.  We understand the legal obligations for all parties to these sporting activities and we understand the limitations on liability the current law imposes. If you would like more information on sports-related injuries, please contact me to set up a free meeting here in my firm’s Lawrenceville, New Jersey office.

Participant Beware: Assumption of Risk

Most people have heard the term “assumption of the risk.”  In short, this means that a person who voluntarily and knowingly assumes risks inherent to a particular activity is barred from recovery should he or she be injured.

Believe it or not “assumption of risk” is not a viable defense to a negligence action in New Jersey.  There are instances in which the concept of risk assumption has been codified by statute (examples include skiing, roller skating and equestrian activities).  Usually these immunities act to shield the owner, organizer and others from liability in the event of injury.

These statutory immunities, combined with the general principals of contributory negligence and the facts of each case, will determine whether an individual has a viable claim for recovery.

Stark & Stark represents clients who have been injured in sports-related injuries.  If you would like to set up a free initial consultation here in my firm's Lawrenceville, New Jersey office, please contact me.

Who is Liable for a Sports-Related Injury?

In prior blogs we discussed the basic negligence proposition, which states:  when someone fails to act reasonably, resulting in injury to another, the wrong-doer is responsible for the harm caused.  So, if someone disregards a stop sign and causes an accident, or a shop owner fails to shovel the sidewalk after a snowstorm and someone falls outside of their store, they are responsible for all injuries incurred.

But, what happens when someone is injured while voluntarily participating in sports?  Do the same principles apply, or is that person barred from recovery because he/she assumes the risks involved?

Each year, millions of students, as well as recreational and professional athletes, suffer sports-related injuries. Some of these injuries can be serious, resulting in fractures, paralysis and even death.

The National SAFE KIDS Campaign and the American Academy of Pediatrics estimates that about 3.5 million children get hurt each year in the United States playing sports or participating in recreational activities. Of those 3.5 million, about 775,000 are treated in hospital emergency rooms.  An astonishing 8,000 children are treated in emergency rooms each day for sports-related injuries, and these injuries occur both during practices and games.

Most sports have a potential for injury which can be caused by a number of sources, including the participants, the equipment, and the arena/surface.  Obviously, some contact sports such as ice-hockey and football are more dangerous than non-contact sports such as swimming.

Stark & Stark represents clients who have been injured in sports-related injuries.  We understand the legal obligations for all parties involved in these sporting activities and we understand the limitations on liability the current law imposes. If you have questions, feel free to contact me to set up a free initial consultation here in my firm's Lawrenceville, New Jersey office.

Why Do I Need Uninsured/Underinsured Coverage in my Automobile Insurance Policy?

In my last post, I discussed why it was important to carry as much liability coverage as you can in your automobile insurance policy in the event that you cause a motor vehicle accident. In this post, I’d like to discuss the importance of uninsured and underinsured coverage in your insurance policy. This coverage is used when someone else causes an accident and they are either uninsured, or has limited liability coverage.

What happens if someone causes an accident, flees the scene and there are no witnesses? In that case you would look to the uninsured portion of your policy. But what happens if you chose a minimum amount of uninsured/underinsured insurance, and your injuries are worth more? What if someone hits you, they have insurance, but you sustain more injuries than they can cover? Do you have additional underinsured coverage on your policy to seek compensation for the true value of your loss? 

Purchasing as much uninsured/underinsured coverage as you can may not seem necessary now, but when an accident does occur and you find yourself with thousands of dollars of bills and no way to pay them, this coverage will come in handy. If you have questions about how much coverage you should have in order to protect you and your family, feel free to contact me. I can meet with you to review your policy, free of charge, here in my Lawrenceville, New Jersey office.

What is Liability Coverage in an Automobile Insurance Policy? And Why Do I Need It?

Liability coverage is a portion of your automobile insurance policy, which covers you in the event that you are the one who causes a motor vehicle accident. So, if you cause an accident, which leads to the other person sustaining injuries and they file a claim against you, this is the portion of your coverage that will assist in paying for the damages and injuries caused. 

The question is: would your liability coverage adequately cover you in such a case? Maybe…but then again, maybe not. 

What if you have $35,000 liability coverage, and the accident you caused leads to life-altering injuries? Clearly, $35,000 will not cover all of the costs. So what happens in that event? Can the injured party come after your personal assets? The short answer is: YES, and in most cases, you have to assume they will. 

That is why it is so important to be prepared and to spend the extra few dollars (liability insurance is relatively inexpensive) and get additional coverage. If you have questions regarding what coverage you do and don't have, or should and shouldn't have in your insurance policy, please call me. I'd be happy to meet with you, free of charge here in my firm's Lawrenceville, New Jersey office, to review your policy with you in order to ensure that you and your loved ones are covered in the event of an accident. 

What You Need to Consider Before You Decide What Automobile Insurance Policy to Choose

Chances are that you probably don’t know what type and what amount of automobile insurance you have. That’s usually the case for most people, that is, until you’re involved in a car accident and need your insurance. It’s imperative that you know what type of coverage you have BEFORE you get into an accident, because, once you are in an accident, you are bound by the coverage you have.

You have to remember a few basic things when it comes to auto insurance:

  • First, carrying auto insurance is MANDATORY in New Jersey. If you own a car registered in this state, it has to be insured…period!
  • Next, get what you can afford… but make sure your adequately covered. Everyone has bills, debts and everyday expenses that need to be met, but insurance is one of the expenses worth paying more for. No one wants to be saddled with extra costs for medical bills, missed work, property damage, etc., for an accident they didn’t cause. So, if you can afford better coverage, get it!
  • Finally, although policies can be similar, each automobile insurance policy is different and certainly worth the time to discuss. Be sure to ask questions when you purchase your policy, and make sure you understand exactly what you are paying for.

For a lot of people, knowing what is and what is not included in an insurance policy can be difficult to understand. Feel free to contact us to schedule a free appointment with me here in our Lawrenceville, New Jersey office. I’d be happy to help you and your family get the protection you need.

Before You're Injured in a Car Accident, Know What's in Your Insurance Policy

A few questions everyone should ask themselves before they’re involved in a motor vehicle accident:

  • Do I have enough automobile insurance in the event I, or someone driving my car, causes an accident and injures someone?
  • If I am injured during a car accident - who will pay my medical bills?
  • What happens if an uninsured driver hits me, and causes injuries to me or my family?
  • Are there limitations on my ability to be compensated for injuries and my pain and suffering in the event of a car accident?
  • What happens if the injuries I suffer during a car accident cause me to be out of work?

 

Are you able to answer ANY of the above questions with any degree of confidence? For most people, the answer is no. Even if your insurance agent explained these scenarios to you, chances are you said, “just give me the least expensive policy.” Many people do, including myself, before I became a personal injury attorney.

One of the hardest things for me to tell a client who has been injured in a motor vehicle accident is that there isn’t enough coverage for their medical bills, injuries, and their losses. When someone hits you and leaves the scene of the accident, chances are they didn’t have insurance. What’s worse is, in most cases, the injured party’s insurance policy doesn’t include additional coverage for this type of situation.

That’s why it is so important to not wait until you are in an accident to review your insurance policy. Look at what coverage you have now and be sure you understand what it is you have and what you pay for. The cost for additional coverage is usually minimal and could save you thousands of dollars in the event of an accident. Knowing that you have covered yourself and your loved ones in the event of an accident is priceless.

Sometimes understanding what is and what is not included in an insurance policy can be confusing. Feel free to contact us to schedule a free appointment with me here in our Lawrenceville, New Jersey office. I’d be happy to help you and your family get the protection you need.

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