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This past week, CNN anchor Anderson Cooper reported on what personal injury attorneys around the country have known for the last several years: Allstate and State Farm Insurance Company have a policy of refusing to pay on legitimate claims for pain and suffering, medical and hospital bills, and lost earnings, particularly in what are known as “low speed impacts” in which the injured car accident victim’s car does not have significant property damage. In this two part report beginning on July 3rd on CNN, the strategy of “Deny, Delay and Defend” is laid bare for exactly what it is, an effort by multi billion dollar companies to avoid payment of claims on the premise that there is fraud, when the true rationale is to maximize profits for corporations which rake in huge monies while doing their level best to avoid showing their profit and loss statements.
Simply put, the strategy is deny: we weren’t at fault because your client stopped short or didn’t go to the hospital right away; delay: we need several months to evaluate your claim by doctors, therapists, bio-mechanical engineers, or “trauma experts” (a new tactic in which insurance company adjusters have records reviewed by emergency room physicians who has never examined the plaintiff but determine that they could not have been injured in the accident because they didn’t complain of a particular injury right away); Lastly, defend: “We are offering you $7,500 and you have until this date to accept. If you do not accept by that date, the offer is withdrawn and will not be made again.”

As a personal injury attorney who has been litigating cases against Allstate and State Farm for over 25 years, one of the classic tactics that these corporations use, particularly in low speed impact cases, is to take the cases to trial, make posters out of the damage photographs, and show them to a jury with the exclamation: “How could this minor accident have caused all of those injuries/this surgery/that amount of treatment?” The fact is, and orthopedists and neurologists will readily acknowledge this, that cars are manufactured now so that there are accidents with substantial damage to the cars and the occupants walk away without any injury, (particularly since the advent of air bags for both front and side collisions) and many crashes in which there is almost no visible damage (due to the improved design of cars, or the point of impact between the vehicles, or damage not visible to the undercarriage of the car, for example), where the previously uninjured person now has severe back or neck pain requiring long term treatment and sometimes surgery.

The report also discusses a book written by Davis Berardinelli, called “From Good Hands To Boxing Gloves”, which illuminates the policy of treating most minor accident claim victims as frauds, and the effort to pay pennies on the dollar on legitimate claims to cause personal injury attorneys to decide that claims against Allstate or State Farm insureds without definitive fractures or noticeable property damage are not worth the expenditure in time or money. As Mr. Berardinelli notes in an interview, if they can save $1,000 on one million claims, “you can do the math.” One ironic story in the report was of a former Allstate claims adjuster who used to believe the company line that virtually all minor impact victims were malingerers—that is, until she was an accident victim herself and now has severe neck and back pain with a car that was barely damaged.

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The National Transportation Safety Board (NTSB) released its final report this week concerning the causes of the fatal bus crash in the Bronx last year that killed 15 passengers and seriously injured 18 others. On March 12, 2011, a charter bus that was returning from the Mohegan Lake Casino in Connecticut to Chinatown on Route 95 in the Bronx lost control, flipped over, struck a guardrail and then a stanchion which held a traffic sign. The impact sheared off the roof of the bus, causing the fatalities and severe injuries to the passengers.

Preliminary investigation determined that the driver, Ophadell Williams, was operating the bus at 78 m.p.h just before the crash. The speed limit in that location of Route 95 is 50 m.p.h. Williams also claimed that before the fatal crash, the bus was “clipped” by a truck, but this could not be confirmed, and there were several reports from other truck drivers who witnessed the early morning crash that Williams appeared to be falling asleep as the bus was veering onto the shoulder of the road.

Williams was indicted on several charges of manslaughter and criminally negligent homicide later in 2011 and is being held on $250,000 bail at Rikers Island. Investigators further learned last year that Williams had a criminal record, his driver’s license had been suspended 8 times, and he had been fired from previous employment with the MTA and another bus company. World Wide Travel, the company that operated the bus, was apparently unaware of Williams’’ background as federal law only requires states to provide charter bus companies with the last three years of a commercial bus driver’s driving history.

The recommendations by the NTSB are as follows:

1. States would now require an onboard safety monitoring system which would permit the charter bus company to detect unsafe driving by its drivers. This would have permitted Williams’ employer to send a warning before the bus left the travel lanes of 95 and struck the guardrail;
2. States would be required to maintain 10 years of a commercial bus driver’s history, rather than the 3 years it presently requires. Had World Wide Travel received more substantial information on Mr. Williams’ criminal and employment background, it seems clear he would not have been permitted to operate any buses at any time;
3. That the National Highway Traffic Safety Board develop equipment which would limit the top speed that buses, motor coaches and trucks can travel at—Williams was operating the bus at 78 m.p.h. and investigation revealed that even at impact, the bus was traveling at 64 m.p.h.;
4. That safety equipment protocols for charter buses such as seat belts and shoulder harnesses be reassessed. Presently, this equipment is not federally mandated for bus passengers, (only drivers) but clearly some of the passengers who were either killed or seriously injured would have had a much better chance of surviving or being less seriously injured if they weren’t thrown from their seats;

5. A directive that the American Association of State Highway and Transportation officials work on developing high performance barriers on new construction and rehabilitation projects to improve guardrails. The barrier surrounding the stanchion in this crash was constructed to prevent only cars, and not commercial vehicles, from striking the support post.

As stated by the chairwoman of the NTSB, Deborah Hersman: “Together, fatigue and speed are an especially lethal combination…[this was] a deadly crash that did not have to happen.”

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In a case believed to be the first of its kind in the United States, a New Jersey judge ruled on May 25, 2012 that a woman who was texting her boyfriend when the boyfriend was involved in an accident with a motorcycle and seriously injured a husband and wife is not liable for their injuries. On September 21, 2009, Shannon Colonna was texting her boyfriend, Kyle Best, 18, who was driving a Chevy truck in Mine Hill, New Jersey. Best was in the process of returning one of Colonna’s texts when his truck struck a motorcycle occupied by David and Linda Kubert. In the car accident, David Kubert had his left leg torn off above the knee, and Linda Kubert suffered injuries to her left leg which ultimately led to amputation.

David Kubert described that they observed Best holding the steering wheel with his elbows and with his head down. The Chevy truck swerved across a double yellow line and struck the Kuberts’ motorcycle head on. Mr. Kubert saw his left leg torn off and Ms. Kubert observed that the bones in her left leg were coming out of her pants.

The Kuberts’ lawyer sued both Mr. Best and Ms. Colonna, arguing that although Ms. Colonna was not in the vehicle at the time of the accident, she was “electronically present” and knew that Mr. Best was driving while responding to her texts. Phone records showed that Colonna and Best had texted each other 62 times the day of the accident, including just prior to the impact. At a deposition during the “discovery” stage of the case, however, Ms. Colonna denied any knowledge that Mr. Best was driving as he was answering her text messages.

In the criminal case, Best pled guilty to distracted driving, acknowledging that he was using his cell phone and responding to a series of text messages he received from Colonna around the time of the accident. The judge ordered Mr. Best to speak at 14 high schools about the dangers of texting while driving. He must also pay $775.00 in fines. No action has been taken against Best’s driver’s license at this time.

38 states across the Unites States have banned texting while driving, including New York in 2011.

State Superior Court Judge David Rand agreed with the defense that Ms. Colonna could not be held legally responsible for the accident and horrendous injuries suffered by the Kuberts. It appears that Judge Rand determined that his role is to interpret the existing law, not create new laws, and that if state legislators want to ban sending texts to drivers, they will have to pass a law to that effect. Clearly, however, the trend is moving in the direction of more enforcement against distracted driving, and the next logical step may be to institute liability against those who cause distracted driving as well as those who commit the violation. However, in this case, the bottom line is that if Best had simply waited until he stopped driving to respond, or even pulled over, the accident would never have occurred.

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Last week, there was a fatal accident in a Brooklyn apartment complex partially owned by ex- MLB first baseman Mo Vaughn, when 12 year old Yakim McDaniels was killed while playing “chicken” on a roll-up gate. Apparently, McDaniels and two other teens were riding the gate as it proceeded upward. The two other boys jumped off, but McDaniel’s hand got caught in the gate, he could not dislodge it, and his head and upper body was forced into the mechanism, fracturing his neck and killing him.

The gate has a sensor by which it will not continue downward if pedestrians are underneath it, but nothing to prevent it from rising. McDaniels suffered severe head trauma and had to be cut out of the gate before he could receive medical treatment. He was taken to Brookdale Hospital where he was pronounced dead within hours of the May 6, 2012 accident.

Residents of the area interviewed shortly after the accident stated that they had complained to Omni New York on numerous occasions that kids were playing on the gates, to no avail. Supposedly, management had set up a basketball program on the premises but it was closed by management due to tenant complaints about noise. Omni office manager Arleigh Hardy noted that there is a playground on the property, but acknowledged that it was for younger children. She stated that it was a “tragic accident”, and claimed that the owner will pay for funeral expenses.

There is a possibility that the family will sue for the wrongful death of Yakim McDaniels, and pain and suffering (if it can be proven) before he died. When someone dies almost instantaneously, the only way to prove “conscious” pain and suffering is to obtain witness testimony that the fatally injured person either complained of pain, or even moaned in pain, before they died. Even a few seconds of conscious pain and suffering can be compensable.

However, this will be a difficult case to establish negligence in due to the issue of what is called “comparative negligence.” Comparative negligence is the responsibility of the person who is suing for injuries for causing their own injuries. (in this instance, a family member would have to be appointed to be Yakim’s legal guardian for a lawsuit to proceed). If however, management received numerous letters and complaints documenting the dangerousness of the activity and failed to prevent it from continuing, there is a possibility that there could be a finding of negligence against Omni New York as well.

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On April 29, 2012, there was a tragic fatal car accident on the Bronx River Parkway southbound near the Bronx Zoo exit. 45 year old Maria Gonzalez was driving a 2004 Honda Pilot with her 85 year old father, Jacob Nunez, 81 year old mother, Anna Julia Martinez, 9 year old daughter, Jazlyn Gonzalez, 39 year old sister, Maria Nunez, and two nieces, Naily, age 7, and Marlyn, age 3, passengers in the car when she lost control of the Honda, struck the center median, went across three lanes of travel, and vaulted over a 4 foot high guardrail on the right border of the road, falling 60 feet to the southwest grounds of the Bronx Zoo. All seven occupants of the car were killed by blunt force trauma, as determined by the New York City Medical Examiner.

This section of the Bronx River Parkway appears particularly hazardous, if not statistically so, with narrow lanes, no shoulder, no breakdown lanes, and curvy roadway configuration. The Parkway was constructed in 1940 when cars were certainly much shorter, lighter, and slower. Investigation by the local authorities has apparently determined that at the time of the accident, the vehicle was travelling at approximately 68 miles per hour. The speed limit is 50 m.p.h, although vehicles rarely travel at the speed limit on that roadway.

Back in June of 2012, there was a similar accident on the northbound side of the Bronx River Parkway in the same location, in which a driver lost control of his SUV, struck the divider, crossed two lanes and went over the guardrail, falling twenty feet and landing on a pickup truck in a parking lot. However, in that accident, the driver and passenger both survived the crash.

The New York State Department of Transportation has announced that they will immediately begin construction of concrete barriers along the outside lanes of travel in three locations near the southern border of the Parkway. Additionally, workers will install signs and striping in the area of the accident, which will now be deemed a construction zone, with a speed limit of 35 m.p.h. If a driver is convicted of speeding in a construction zone, fines can be doubled and points are increased dramatically, potentially leading to a license suspension.

Interestingly, NYS Department of Transportation statistics show that fatal motor vehicle accidents were at a hundred year low in 2011, with 243 fatalities, of which 161 were pedestrians or bicyclists. Conversely, in the State of North Carolina, which has a similar population to New York City, there are typically approximately 1,300 traffic deaths annually. The national average for motor vehicle fatalities in 2010 per National Highway Traffic Safety Administration (NHTSA) data was 1.11 deaths per 100 million miles traveled, whereas the fatality average in New York urban areas is 0.64 deaths per 100 million miles traveled.

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26 year old Rachel Fraulo of Westport, Connecticut recently commenced a “Liquor liability” lawsuit against an out of business Mount Kisco tavern, O’Malley’s, and its two owners in Federal Court in White Plains arising out of a serious car crash in January of 2009. She alleges that as a result of the accident, she suffered traumatic brain injury (TBI), permanent vision impairment, several fractured bones and neck injuries. The facts are as follows. At approximately 3:30 AM on January 11, 2009, Rachel Fraulo was a passenger in an automobile driven by her friend Brian Vittorini, 34, when the vehicle driven by Vittorini struck a guardrail at the end of the southbound exit ramp on I-684 in Katonah, adjacent to Route 35.

The suit charges that prior to the accident, Vittorini was visibly intoxicated after having consumed “dozens” of Jack Daniels and Coke cocktails at O’Malley’s. Under the New York State Dram Shop Act, if it can be proven that the bar’s employees served Vittorini alcohol after observing that he was “visibly intoxicated”, and he then drove while intoxicated and caused injuries to his passenger, the bar would have liability under the Dram Shop Act.

At the time of the accident, Mr. Vittorini refused a blood alcohol test, and the Bedford Police Chief determined that the accident was caused by a combination of speed, alcohol and failure to wear seat belts. Subsequently, Vittorini pled guilty to charges of vehicular assault and driving while intoxicated. Importantly for Ms. Fraulo’s case, those convictions can be introduced into evidence during a trial of the case, with obviously significant impact on a jury when they have to determine fault. Apparently, Ms. Fraulo previously reached an undisclosed financial settlement with the insurance company representing Mr. Vittorini. If a jury were to decide that Mr. Vittorini was primarily at fault for the accident, there would have to be a determination by the Court as to how this previous settlement affects any damages awarded by the jury. In sum, a plaintiff in a personal injury lawsuit is not entitled to receive what is called a “double recovery”, meaning that the plaintiff cannot get damages for the same injuries twice. However, the plaintiff is entitled to be compensated for all potential damages, including pain and suffering, loss earnings, lost earnings potential, medical and hospital expenses, both past and present, and “loss of enjoyment of life.”

In opposition to Ms. Fraulo’s case, the defense has undoubtedly asserted a “seat belt defense.” If they can prove, through expert testimony, that Ms. Fraulo was not wearing her seat belt at the time of the accident, and can demonstrate that some or all of the injuries suffered by Ms. Fraulo would have been avoided or lessened if she were wearing her seat belt, her damages will be reduced by the percentage of her own fault for failure to comply with section 1229-c of the Vehicle & Traffic Law, which mandates that seat belts be worn by drivers and passengers of motor vehicles.

The defense will further claim that Ms. Fraulo was also intoxicated, and should not have entered the vehicle with Mr. Vittorini knowing that he was intoxicated. It is unclear whether they will be able to prove this defense or not, but it can be particularly damaging if the jury is convinced that Ms. Fraulo was at fault for entering the car knowing that Mr. Vittorini was “visibly intoxicated.”

One other point which can be a significant issue in this case is whether O’Malley’s had a liability insurance policy which contained a provision for Dram Shop or Liquor Liability coverage. This type of insurance is very expensive, and in my experience, many bars and nightclubs do not carry Dram Shop insurance for that reason. If O’Malley’s did not have Dram Shop coverage, Ms. Fraulo also has a claim against the two owners of the bar, ostensibly to assert a claim against their assets if they were uninsured for the accident. I would assume that prior to commencing a case in federal Court, Ms. Fraulo’s attorneys have determined that either O’Malley’s has sufficient insurance coverage, or that the owners have assets to make the lawsuit worth pursuing.

The case has been adjourned to October of 2012 for trial of this action after a hearing this month. We will follow this case when it commences in October.

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On March 29, 2012, at approximately 2:30 AM, off duty Mount Vernon Police Officer Reginald Velez was killed when he drove his vehicle the wrong way on the southbound lanes of I-95 and his vehicle was struck by a tractor-trailer. An investigation of the causes of the fatal car accident by the NYPD continues, as does the local police investigation. It has been reported that prior to the 2:30 AM accident, Officer Velez had been to the Isla Verde bar in the Bronx, as well as to a local diner with friends, although it is unknown at this time whether Velez had anything of an alcoholic nature to drink at Isla Verde.

In recent years, there have been a multitude of wrong way accidents on Westchester Parkways and highways, most notably being the July, 2009 tragic accident involving Diane Schuler, who drove southbound in the northbound lanes of the Taconic Parkway with a blood alcohol concentration (BAC) of 0.18%, more than double the legal limit. Schuler was driving with her infant daughter, five year old son, and three nieces in the car. She hit a northbound vehicle head on, causing the death of the three men in the northbound car, her daughter, three nieces, and her own death.

Until toxicology results are obtained (most likely by mid May), it will be unknown if alcohol played any role in Velez’ untimely death. His fiancee has stated that she believed fatigue (due to many hours of overtime) was a significant factor in the accident. Further, a bartender at Isla Verde was quoted as saying that Velez “did not ask me for for anything and didn’t drink.” However, there is no question that the bar could face civil liability under the New York Dram Shop Law to members of Velez’ family (not his fiancee as she was not his wife at the time of the accident) if it is found that the bar served Velez alcohol while he was “visibly intoxicated” and that this intoxication led directly to Velez’ fatal accident. Therefore, the statements of the waitress must be considered within the context of the possibility of a possible lawsuit.

The NY City Medical Examiner concluded that Officer Velez died of blunt force trauma to his torso. Upon impact, Velez’ 2002 white Lexus sedan burst into flames. The driver of the tractor-trailer, who was uninjured, noted that he had no time to avoid the accident, which occurred near exit 11 on the northbound lanes of I-95.

We will report further on the release of the toxicology results.

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A Manhattan-based masonry contractor was fined $74,500 after a construction employee fell 80 feet from a scaffold in Brooklyn. The United States Department of Labor’s Occupational Health and Safety Administration (OSHA) cited Navillus Contracting Tile, Inc. for one repeat and six serious violations of safety standards in connection with a September 28, 2011 incident where a worker fell from the top of a 118 foot scaffold. The worker landed approximately 80 feet below the top of the scaffold on another construction level.

According to OSHA’s Manhattan Area Office, the masonry company failed to ensure the scaffold had guard rails in place, and the scaffold was not fully planked. Additionally, at the time of the incident an access platform was reportedly not secured and workers were not properly tied off to ensure their safety. Employees also allegedly climbed up and down the scaffolding frame in order to reach building work areas. Due to the conditions at the Brooklyn work site, OSHA proposed a fine of $36,000 for six serious violations. A serious violation is issued when an employer knew or should have known there was a high probability a safety hazard would result in a serious physical injury or death.

Navillus Contracting Tile, Inc. also received a repeat violation with a proposed fine of $38,500 for failing to ensure the scaffolding had guard rails in place. A repeat violation is issued by OSHA where an employer was cited for a substantially similar violation of a rule, regulation, standard, or order within the previous five years. The masonry company was cited for a guard rail hazard at another work site in September 2008.

Luckily, the worker who fell was not killed. According to OSHA’s Area Director for Brooklyn, Manhattan, and Queens, effective scaffolding maintenance rather than luck must be relied upon to protect construction site employees. Due to the nature of building sites, construction workers are faced with hazardous working conditions every day. Construction accidents tragically hurt or kill thousands of people each year. Although workplace injuries are normally subject to state workers’ compensation laws, a third party may be legally responsible for failing to implement proper and adequate safety measures. For example, construction contractors have a duty to inform workers about potential workplace dangers and take proper safety precautions. If you or a family member was hurt in a scaffolding accident or injured by another construction site hazard, contact a knowledgeable construction accident lawyer to learn more about your rights and options for financial recovery.

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A malfunctioning crane that unexpectedly dropped a load of steel beams in February will delay completion of Four World Trade Center by more than two months. The faulty crane, which was manufactured in 1976, was taken apart immediately following the incident and is no longer in service. For the time being, the building site operated by Tishman Construction will continue with only one working crane. Luckily, no one on the ground was injured in the accident.

The crane malfunction is currently under investigation by the Port Authority of New York and New Jersey. The New York City Department of Buildings notified crane operators of other FMC / Link-Belt TG 1900 cranes that all capacity loads should be reduced by at least 25 percent as a safety precaution until the cause of the accident can be determined. A crane with the same model number is currently in use at the Three World Trade Center building site. It was also tested after the incident despite the fact that its interior machinery was previously replaced.

The Department of Labor’s Occupational Safety and Health Administration (OSHA) found no other crane deficiencies at the Four World Trade Center building site. After investigating the incident, OSHA was also purportedly satisfied with Tishman Construction’s safety program. A representative for Tishman Construction’s corporate safety division, Dwayne Carter, alleged that the company’s safety rules prevented a more serious accident. According to Carter, an access zone and alarm system is used to prevent personnel from getting too close to a crane’s drop zone while in use. Without proper safety protocols, the construction accident would have likely been tragic.

Construction employees are often faced with hazardous working conditions on a daily basis. Unfortunately, building site accidents tragically hurt or kill thousands of workers each year. Despite that workplace injuries are normally subject to state workers’ compensation laws, a third party may be held legally responsible under Section 240 of New York’s Labor Law if a worker is injured due to defective or inadequate safety equipment including ladders and scaffolding. The manufacturer of equipment used on a construction site may be held responsible for creating a defective or dangerous product. Contractors also have a duty to warn workers about potential safety hazards and take proper safety precautions. If you were hurt while working at a building site, it is a good idea to contact a qualified personal injury attorney to explain your rights and your options for financial recovery.

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Last week, Governor Andrew Cuomo announced a state initiative in a stated effort to curb purported no-fault fraud by “getting rid of deceptive doctors” and “shutting down medical mills.” The problem that Gov. Cuomo seeks to address is that some No-Fault doctors engage in fraudulent billing procedures, according to Cuomo, which reportedly results in “hundreds of millions of dollars in insurance costs to New Yorkers.” In order to implement this initiative, Gov. Cuomo has directed the Department of Financial Services (DFS) to issue a new regulation that will permit the Dept. to “ban doctors that engage in fraudulent and deceptive practices.”

Additionally, the initiative involves audits of 135 medical providers whose billing procedures “have raised concerns”, demanding information from these providers as to their corporate structure, payment requests to insurance companies, and the physicians’ participation in the medical practice (as opposed to businessmen). The providers who treat car accident victims will receive a form with fourteen days to respond. The failure to do so may result in the provider being banned from further participation in the no-fault system.

Further, in what would seem to be a lack of due process, prior to a hearing, a list of providers that are “suspected of no-fault fraud” will be sent to the Department of Health (DOH) and the State Education Department (SED) for their review. Then, DFS will conduct hearings. In my opinion, before making allegations and referring cases to these other agencies, DFS should conduct hearings first, but that is not the manner in which the State intends to operate. There is also the implicit threat that in “appropriate cases”, the DOH and SED will revoke medical licenses and decide whether criminal charges should be filed.

One of the primary motivations for the Cuomo initiative is the allegation that New York’s auto insurance rates are the 4th highest in the nation, specifically due to fraud in the No-Fault system. Interestingly, when the New York State Trial Lawyers (NYSTLA) introduced legislation before the New York State Assembly known as the “Sunshine Act”, which would require insurance companies to open their books, show their earnings, and prove whether no-fault fraud was the real reason behind the excessive premiums or just a ruse to raise premiums, their well paid lobbyists bitterly oppose this regulation. This is an issue Governor Cuomo should be exploring as part of his effort to stamp out fraud in the No-Fault insurance industry.

What Governor Cuomo’s initiative also does not address is fraud by the insurance companies in denying medical care to injured victims of car accidents. Let me explain. Back in 1974, when the No-Fault Law was implemented, the purpose of the law was to restrict auto accident claims with the provision that the victim would have to suffer a “serious injury” to have a legal basis to sue for his or her injuries. A “serious injury” under New York’s Insurance Law includes a fracture, disfigurement, dismemberment, loss of use of a body part or system, and non-permanent injuries which lead to a “substantial limitation” of one or more parts of the body. In exchange for the restrictions imposed on auto claims, no-fault insurance was to provide up to a minimum of $50.000.00 in medical and economic (lost wages) benefits to car accident victims.

However, car insurance companies have created a mockery of the original statute. Through their lobbying efforts, and their huge impact on the Court system, hundreds of thousands of car accident victims who have suffered torn tendons, ligaments, and spinal injuries such as herniated discs, routinely have their cases dismissed before they ever get to trial through motions by insurance company defense lawyers claiming that these injuries do not meet the “no-fault threshold.” This includes those who have undergone surgery to treat those injuries!

Further, those injured in car crashes must now submit to no-fault “IME’s” (“Independent” medical examinations), which consist of five to ten minute examinations by doctors hired and paid for by the very insurance companies that “are on your side…that you are in good hands with…”, who make findings as to whether injuries meet the no-fault threshold in these cursory, biased examinations. If the “IME” doctor determines that the person does not have a “threshold injury”, in short order they will receive a letter from the insurance company informing them that all further benefits are denied! To add to the ridiculousness of calling these examinations “independent”, the insurance companies all use the same doctors for these “IME”s, the ones who will reliably find that the victim needs no further treatment, can go back to work and their normal activities, and has no “serious injury.”

In sum, Governor Cuomo, if you want to combat fraud in the insurance industry, and do this in an even handed manner, explore the auto insurance industry’s practices when it comes to “IME’s” and investigate the true reasons behind the excessive auto insurance premiums in New York, in addition to the initiative to root out “medical mills.”

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