Joel R. Rosenberg.jpg

Joel R. Rosenberg

jrosenberg@stark-stark.com
856.874.4443

Joel R. Rosenberg, Shareholder, is a member of the Personal Injury Group in Marlton, New Jersey. For over 21 years, he has concentrated his practice in the areas of personal injury, criminal law and municipal court. Mr. Rosenberg is certified by the Supreme Court of New Jersey as a Certified Civil Trial Attorney. Mr. Rosenberg is chair of the Board of Directors of Quilts for Kids, Inc., an organization which transforms discontinued designer fabrics into quilts to comfort children with cancer, AIDS, and other life threatening illnesses as well as battered and abused children.

Entries authored by Joel R. Rosenberg

Motorcycle Helmets: The Life You Save Could Be Yours

As most riders know, wearing a helmet is mandatory in New Jersey.  Not so in Pennsylvania where anyone 21 years of age or older and has been licensed to operate a motorcycle for not less than two full calendar years OR has completed a motorcycle safety course approved by PennDOT or the Motorcycle Safety Foundation can ride without one. Beyond the arguments for or against mandatory helmet laws is the reality of the dangers associated with riding.  In June, The Philadelphia Inquirer published an article on the Pennsylvania law that permits riders to forgo a helmet and State Representative Dan Frankel’s effort to reinstate a mandatory helmet law.
 
According to the National Highway Traffic Safety Institute, in New Jersey for the year 2007, there were 85 motorcycle related fatalities of which 82 % were wearing helmets. The National Highway Safety Institute estimated that  42 people’s lives were saved by wearing helmets and that 6 fatalities would have been prevented with 100% use of helmets. In 2008, 82 fatalities with 87% wearing helmets and NHTSA estimates another 42 lives saved because of helmets and 4 fatalities would have been prevented with 100% use of helmets.
 
In Pennsylvania in 2007 there were 225 motorcycle related fatalities.  46 % were wearing helmets and another 61 people’s lives were saved by wearing helmets. In 2008, 239 fatalities with 49% wearing helmets and another 70 lives saved because of helmets. The NHSTA also estimated that in 2007 45 lives would have been saved and in 2008 45 lives would have been saved if they were wearing helmets. Across the US there were over 5000 fatalities in both 2007 and 2008 from motorcycle accidents with only %8% wearing helmets.  NHSTA estimated that in those two years there were 3615 lives saved by the use of a helmet and another 1627 lives would have been saved if they were wearing helmets. Think about that for a minute.
 
I have no reason to doubt these figures.  A few months ago while traveling to Court in rush hour traffic on I 95 towards Philadelphia I saw a rider go flying over his handle bars onto the roadway. It was shocking to say the least.  I thought he was unconscious. I pulled over the side of the road and watched as he got up. Another motorist an I assisted the rider to the side of the road. He had a full face helmet and a motorcycle leather jacket and blue jeans. He was disoriented and almost lost consciousness a few times.  His knees were scraped through his jeans and bleeding. His jacket showed the signs of a serious incident. His helmet showed damage that would have caused a serious injury to a rider without one. Despite his protective gear, I was sure that he had suffered serious injuries.  I am happy to report that he called me the next day to tell me that but for his bruised/scraped knees, he was fine. It is clear to me that his helmet and jacket had adequately protected him from more serious harm.  As a rider I routinely see other riders in Pennsylvania riding without helmets. In both states it is common to see riders in shorts, sneakers and T shirts. I rode for many years in jeans and a T shirt but always with a helmet. It is great to ride on a warm summer day without the bulk of protective clothing. It’s also dangerous.  
At many of the rally’s I attend I am often engaged by visitors about their right to ride without a helmet. It’s a debate worth having. What is often overlooked are the true consequences of that action. As indicated above, helmets save lives. That’s indisputable.
 
What is missing from those statistics are the consequences of sustaining an injury as a result of not wearing a helmet and surviving.  NHTSA estimates on a national level we would have saved 2.7 billon dollars in 2007 and 2.9 billion dollars in 2008 if there was 100% helmet use. This of course fails to consider the impact to the rider and their families. Many head injuries are quite serious and have long term consequences, job loss, medical bills and other financial strains. Many of the more serious head injuries lead to long term disability and regular care.  We see this regularly when representing injured riders.  As many of us in the motorcycle community know, motorcycle insurance provides in most cases no medical benefit and in others, very little coverage. Riders without insurance who suffer serious head injuries become dependent on Federal programs such as SSI and Medicaid. Even people with insurance don’t have enough coverage for a lifetime of care.
 
I urge anyone reading this to reconsider riding without a helmet. I’m sure the families of those who lost loved ones or who are now watching someone suffer because they were not wearing a helmet would join in my request. Every motorcycle rider understands that there is some danger associate with riding but that doesn’t mean that you should not be prudent and take precaution to minimize your risk.

Joel Rosenberg is a Shareholder in Stark & Stark’s Accident & Personal Injury Group. For questions, or additional information, please contact Mr. Rosenberg.

The Importance of School Bus Safety

Each day in the United States, approximately 26 million elementary and secondary school children ride buses to school. On average, there are between 8,000 and 12,000 school bus related injuries annually. Although the vast majority of these accidents are minor, each year students suffer serious injury and even death in the course of being transported to school.

Each day every school age parent relinquishes the safety and control of their child to the school district, and in the case of those children riding busses, to the school bus driver. They trust that the driver of the school bus will act as though they were transporting their own child.

In Frugis v. Braciagliano, 177 N.J. 250, 268 (2003), the Court commented on the responsibility imposed upon a school for the care of its students:

The law imposes a duty on children to attend school and on parents to relinquish their supervisory role over their children to teachers and administrators during school hours. While their children are educated during the day, parents transfer to school officials the power to act as guardians of those young wards. No greater obligation is placed on school officials than to protect the children in their charge from foreseeable dangers, whether those dangers arise from the careless acts or intentional transgressions of others. Although the overarching mission of a board of education is to educate, its first imperative must be to do no harm to the children in its care.

Unfortunately, school districts don’t always devote the time and attention to student transportation that it requires. Form the planning of the bus route, the bus stops to driver training and bus maintenance, they often times come up short. While there are State administrative regulations that impose training and education to both drivers and the students they transport. Many of the people charged with these responsibilities are unfamiliar with not only state regulations but also basic principles of student transportation safety.

What is even more alarming is that despite the wealth of information readily available to anyone with access to a computer, many districts are deficient in their training, education and knowledge. A simple Google search will provide a wealth of information regarding the safest way to transport a student.

Visit the National Highway Traffic Safety Administration’s website to receive packets of informative materials, absolutely free. These safety principles are well known and have been well documented for many years. Despite this, many districts are lacking in their knowledge of how to safely transport a student to and from school. Unfortunately each year there is a loss of life because of this neglect.

As parents we need to put pressure on our districts to not only comply with state regulations, but to go further and make sure that every bus driver and child has the training and education to get to and from school safely.

For further information regarding school bus safety feel free to contact me, or read more about one of my previous cases concering school bus accidents online here.  

Joel Rosenberg is a Shareholder in Stark & Stark’s Accident & Personal Injury Group. For questions, or additional information, please contact Mr. Rosenberg.

Umbrella coverage: What is it, and Why do I Need It?

No you can’t buy one of these at Wal-Mart or Target, and it won’t keep you dry in the rain. However, it will protect you and your household relatives from claims that exceed the policy limits of your homeowners and auto policies.

Umbrella policies cover you for these excess claims up to the umbrella coverage limit, usually at least $1 million dollars or more. You should consider adding umbrella coverage to your existing coverage. It’s valuable coverage and the cost is reasonable, usually in the couple hundred dollar range. Essentially for the price of a night out on the town you can have the comfort of insurance coverage for that event that we hope never happens. Don’t wait, call your agent today.

Have You Been Injured? When Should You Call a Lawyer?

It’s not uncommon for us to meet with client’s who were involved in an accident many months before.  They are frequently frustrated about the difficulty they are having with their auto insurance carrier, their health insurance carrier or their access to healthcare from insurance companies. In many instances, they have been given wrong information about their coverage or rights. Many have suffered without treatment because they have been told they have no right to make a claim or the insurance company’s doctor examined them and found them to have improved and not in need of any future care.
 
Immediately: That’s the answer to the question posed in the headline. The correct information from the outset is invaluable. Better yet, there is no upfront cost to have us review your claim. If we handle the case and recover money, we take our fee from the recovery. If you don’t have a case worth pursuing or we don’t have a recovery, you pay nothing. The correct advice is free! Don’t wait. If you or someone you know has been injured in an accident, call us immediately for a free consultation.

Beware of Ice: Potentially Dangerous Conditions Can Lead to Harmful Slip & Fall Accidents and Painful Injuries

This time of year the personal injury attorneys at Stark & Stark see a lot of clients who slip and fall in parking lots on ice. Commonly referred as “black ice,” it’s difficult to see during the day because it either blends in with the blacktop or appears to be just water. At night it’s impossible to see and is very treacherous.

Unfortunately, the consequences are often serious. Slipping and falling on ice usually happens so quickly people cannot react in time to cushion the fall. As a result, we see many clients on the way to an uneventful shopping trip turn into a visit the ER and sometimes the operating room.

Don’t let this happen to you. Many businesses plow the snow but fail to follow up daily with salt and sand. As long as there are piles of snow in the parking lot, there will be the potential for the dreaded black ice. At night, try to park as close to the front of the store as possible as snow contractors usually push more of the snow towards the back of the parking lot. During the day tread carefully, even when the parking lot appears wet. If you’re unlucky that day, make sure that you report any incident to the store. Hopefully they will put down some salt and sand and protect the next customer.

Automobile Property Damage-Who pays?

Clients often ask why it is taking the other person’s insurance company so long to pay for the damage to their car when they know that the other person was at fault. The simple answer is because they can.
 
There is no law that obligates another person’s insurance carrier to promptly pay for your auto damage. On the other hand, if you carry collision insurance and can afford to lay out your deductible, then make your property damage claim through your carrier. Your insurance carrier has a contractual and legal obligation to handle your claim expeditiously and will go after the other person’s insurance company to recover your deductible.

Insurance Institute for Highway Safety Publishes Top Rated Vehicles for 2011

The Insurance Institute for Highway Safety has recently published their top rated vehicles for 2011. If you are in the market for a new or used vehicle, make sure you check out the safety ratings before you buy.

The Institute rates vehicles on how well they protect its occupants in a crash. The vehicles are given ratings such as good, acceptable, marginal, or poor based on performance in high-speed front and side crash tests, a rollover test, and evaluations of seat/head restraints for protection against neck injuries in rear impacts. In order to earn a Top Safety Pick for 2011 a vehicle must have good ratings in all four Institute tests. In addition, the winning vehicles must offer electronic stability control. Remember, the life you save may be your own! 

The Implications of Traffic Citations

Recently I received an inquiry regarding a red light at a four-way intersection which resulted in a collision with another vehicle. While there were no injuries, the client was charged with 'Failure to observe signal’ and was unsure of the consequences of the ticket.

There are several implications to a violation of that statute. If you plead guilty, you will be assessed fines and 2 points. In addition, your plea of guilty will be admissible against you in civil action for property damage and or injury. If you decide to plead guilty, ask the Judge to enter it with a "civil reservation." That will make your guilty plea inadmissible in a civil court.

If you contest the case and have a trial and the Court finds you guilty, that finding is not admissible in a civil court but any testimony you gave in court is admissible against you in a civil court. An accident in and of itself is not evidence that you violated the statute but could be used by the Judge for purposes of determining the amount of the fine.

Why You Need More Than Full Coverage Automobile Insurance

The most common phrase I hear when meeting a new client who was injured in an automobile collision is “full coverage”. Most of my client’s proudly proclaim that they have “full coverage”, but in most instances, they do not have the proper coverage or enough coverage to cover their loss.

The term “full coverage” can be misleading and could be interpreted to mean that they have sufficient coverage in each category of loss. To understand how most people are under insured, it is necessary to understand the applicability of the coverage and how it protects/affects you in an automobile accident.

These coverages are:                    

  • PERSONAL INJURY PROTECTION — Otherwise known as “PIP,” this is medical coverage for you or other persons covered under your policy who suffer injuries in an auto accident.  It is sometimes called “no-fault” coverage because it pays your own medical expenses no matter who caused the auto accident.
  • LIABILITY — This coverage pays others for damages from an auto accident that you cause. It also pays for a lawyer to defend you if you are sued for damages that you cause.
  • BODILY INJURY LIABILITY COVERAGE — Pays for claims and lawsuits filed against you by people who are injured or die as a result of an auto accident you cause.
  • PROPERTY DAMAGE LIABILITY COVERAGE — Pays for claims and lawsuits filed against you by people whose property is damaged as a result of an auto accident you cause.
  • UNINSURED MOTORIST COVERAGE — Pays you for property damage or bodily injury if you are in an auto accident caused by an uninsured motorist.
  • UNDERINSURED MOTORIST COVERAGE — Pays you for property damage or bodily injury if you are in an auto accident caused by a driver who is insured, but who has less coverage than your underinsured motorist coverage.
  • COLLISION COVERAGE — Pays for damage to your vehicle as the result of a collision with another car or other object.
  • COMPREHENSIVE COVERAGE — Pays for damage to your vehicle that is not a result of a collision, such as theft of your car, vandalism, flooding, fire or a broken windshield. It also pays if you collide with an animal.


The minimum legal limits in the State of New Jersey have been the same for my entire 25 years as a lawyer. What may have been plenty of coverage in 1985 is hardly sufficient today.

We recommend that you review your policy to make sure that you have sufficient coverage to make up for any losses you may suffer or cause. Purchase as much coverage as you can afford to make sure your assets are protected, as well as coverage against other drivers that have insurance coverage too low to adequately compensate you should you become injured and are unable to work.

Start at $100,000/$300,000 for Bodily Injury and Property Damage and make sure that those same limits are reflected on your Uninsured/Underinsured Motorist Coverage.  Be sure that the PIP limits are $250,000 with the mandatory minimum of $250.00 deductible and 20% co-pay and that your wage loss limits will adequately compensate you if you are out of work as a result of an automobile accident. Do some comparison shopping to find out the cost of the next higher limit. It may be less then you think.  If you have some savings, own a home or have other assets, look into an umbrella policy for additional liability coverage.  A million dollar umbrella policy really is affordable.

Do not put it off - review your insurance coverage today.

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