Uninsured Motorist Coverage and Bicycle Accidents

As a triathlete, every time I get on my bicycle, I worry about being hit by a vehicle. We can be very cautious while riding.  However, there is nothing we can do if a motorist is not paying attention.

What happens if you are hit by a motorist and the person has no insurance or drives off? In New Hampshire, your own car insurance will probably cover you.  New Hampshire requires that every motor vehicle insurance policy issued in the state include uninsured motorist coverage in the same amount as your liability coverage.  That uninsured motorist coverage usually covers a named insured who is injured by an uninsured motor vehicle, even if the insured is not in a vehicle (such as a bicyclist or pedestrian).  An uninsured vehicle includes a hit and run vehicle.  What if the motorist never actually hits you?  This is covered too, as there need not be physical contact between you and the motor vehicle for the accident to be a hit and run accident, based on New Hampshire law.

If you are injured by a careless motorist, our office may be able to help you. Please contact me to arrange an initial meeting.  There is no cost to you to speak with me about your rights.



New Hampshire Supreme Court Holds that Part-time Employees are Entitled to Job Reinstatement

Generally, injured workers in New Hampshire have a right to reinstatement to their prior position within eighteen months of their work injury. RSA 281:25-a.  By unanimous decision, the New Hampshire Supreme Court recently held that RSA 281:25-a applies to both part-time and full-time workers. See Appeal of Cover, ___ N.H. ___ (Slip. Op. February 26, 2016).  This ruling invalidated an administrative rule that excluded part-time workers from receiving the right to reinstatement under the statute.  The Court analyzed RSA 281-A:25-a and explained that nothing in the statute excluded part-time workers from its scope.  The Court thus concluded that the administrative rule was invalid because it conflicted with the statute.

United States Supreme Court finds that the Federal Tort Claims Act’s Time Limits are Subject to Equitable Tolling

Most tort actions are governed by a three year statute of limitations.  However, tort actions against the federal government are governed by the Federal Tort Claims Act (FTCA), which has a shorter statute of limitations.  Examples of tort actions subject to the FTCA include medical malpractice actions against doctors who are federal employees, a negligence action following a motor vehicle accident caused by a federal employee (such as an FBI agent) or a negligence action for a slip and fall on federal property (such as a slip and fall at a post office).  Under the FTCA, a plaintiff must present his claim to the appropriate federal agency within two years after the claim accrues.  28 U.S.C. § 2401(b).  The plaintiff then has six months to file suit in federal court after the agency acts on the claim. Id.

Generally, if a plaintiff does not meet the deadline for filing his claim, then his claim will be dismissed.  However, under the doctrine of equitable tolling, a statute of limitations will not bar a claim if the plaintiff, using due diligence, did not discover the injury until after the limitations period had expired.

Until recently, there was a debate in the federal circuit courts over whether equitable tolling applied to claims subject to the FTCA.  On April 22, 2015, in a 5-4 decision, the United States Supreme Court held that the time limitations in the FTCA are subject to equitable tolling.  United States v. Wong, 575 U.S. ___ (2015) (Wong.Slip.Op.).  Following Wong, a plaintiff may proceed with his or her claim against the government even if he or she has missed the statute of limitations.  However, the plaintiff must demonstrate that even with due diligence he or she did not discover the injury until after the limitations period has passed.  This is a difficult standard.  Thus, even after Wong, one must still be attuned to and follow the unique processes to file claims under the FTCA because equitable tolling is the exception and not the rule.

Amendment to the Definition of Uninsured Motor Vehicle Expands UM Coverage

The New Hampshire Legislature recently amended the statute that defines what is an uninsured motor vehicle.  Prior to the amendment, the definition of an uninsured motor vehicle included two categories: (1) vehicles for which the liability insurer was unable to make payment of the policy limits because of insolvency, and (2) vehicles where the applicable liability insurance limits are less than the limits of the uninsured motorist coverage applicable to an insured.

Effective January 1, 2015, the definition of an uninsured motor vehicle includes one more category of vehicles – those vehicles where the “available liability insurance has been reduced by payments to others injured in the subject accident to an amount less than the limits of the uninsured motorist coverage applicable to the insured.”  See RSA 259:117.

An example is illustrative of how the amendment expands coverage.  Suppose a tortfeasor causes an accident that injures several people.  The tortfeasor has a liability motor vehicle policy with $1 million in coverage.  Two people are killed in the accident and five other people are seriously injured.  The parties allocate a settlement amongst all parties injured or killed in the accident.  Assume that the people who were injured but not killed in the accident each received $40,000 from the tortfeasor’s liability policy and that this is a fair allocation based on the amount of claims on the liability policy.  Also assume that one of those people had an uninsured motorist policy in the amount of $250,000 and that the person’s damages are over $40,000.

Under the old definition of uninsured motorist coverage, the person with the $250,000 uninsured motorist policy would not be able to recover anything from his uninsured motorist carrier.  This is because the tortfeasor’s coverage ($1 million) was more than the person’s uninsured motorist coverage ($250,000).  However, under the new definition of uninsured motor vehicle, that same person is entitled to receive uninsured motorist benefits.  This is because the claims from the other injured parties in the accident reduced the amount of coverage from the liability insurer to an amount that is less than the coverage under the person’s uninsured motorist coverage.  This is a fair result.  The injured person should be able to collect under his own uninsured motorist policy because the amount actually available to him through the tortfeasor’s motor vehicle policy is less than the amounts available to him through his own uninsured motorist policy.

A Basic Primer on Liens in a Personal Injury Case

If you settle or obtain a judgment in a personal injury case, it would not surprise most people that a person would have to deduct attorney’s fees and the costs of litigation from the final amount of the settlement or judgment. It may not be so obvious, however, that a person would have to pay back an entity that has paid for that person’s medical bills, property damage or lost wages. The right of another party to obtain repayment from a person’s recovery from a claim is called a lien.

There are many types of lienholders and a person’s rights and obligations may be different depending on what type of entity paid for the medical bills, property damage or lost wages. If Medicare paid for medical treatment, there is a duty on the part of the injured person or her attorney to notify Medicare about the litigation and inform Medicare of the amount of any settlement or judgment. Medicare will expect repayment of the amounts it paid that resulted from the liable party’s negligence. The amounts paid for by Medicare when another party was at fault are called conditional payments. The injured person should make sure that all of the treatment Medicare claims are conditional payments actually relate to the subject of the litigation.

If a workers’ compensation carrier paid for medical treatment or lost wages, this entity has a right under New Hampshire law to be repaid from any settlement or judgment received by the injured person. Further, any settlement must be approved by either the Department of Labor or the Superior Court.

Insurance companies and medical treatment providers may also need to be reimbursed from a settlement or judgment.

Repayment of liens should never be overlooked when considering whether to settle a case because the final amount received by the injured person will be reduced by the amount of the lien. The amount of the lien may or may not be negotiated depending on the circumstances and type of lienholder.

Federal District Court Decides Motion to Dismiss in Exeter Hospital Contribution Action

On September 4, 2014, the United States District Court for the District of New Hampshire dismissed one of two contribution claims filed by Exeter Hospital based on the lawsuits filed against it by patients infected with Hepatitis C. The patients were infected with Hepatitis C after David Kwiatkowski, a traveling cardiac catheterization technician, had injected himself with syringes of drugs and then replaced those syringes with saline, which in turn were used by patients at Exeter Hospital.

Most of the cases against Exeter Hospital have settled. Exeter Hospital brought a contribution action against a placement agency, Maxim Healthcare Services, Inc., and a certifying agency, the American Registry of Radiologic Technologists (ARRT) seeking contribution for the payments it made to Hepatitis C infected patients. Exeter Hospital alleged that Maxim, who had previously placed Kwiatkowski at hospitals, was aware that Kwiatkowski had been previously fired by a facility. Exeter Hospital also sought contribution from ARRT, alleging that ARRT was aware of the details of an incident occurring prior to the incident at Exeter Hospital, yet it never reported or investigated the incident and permitted Kwiatkowski to work at other hospitals, placing patients of those hospitals at risk.

The Court granted Maxim’s motion to dismiss, finding that although Maxim was aware that Kwiatkowski had been discharged from one of the hospitals at which he was placed, there was no allegation that Maxim was aware of the reasons for that termination.

ARRT also moved to dismiss. However, the Court found that ARRT knew about an incident involving Kwiatkowski misusing drugs yet never reported the incident to the authorities and it permitted him to be placed at other hospitals, which enabled him to remain employed as a traveling cardiac catheterization technician and which placed every patient at such hospitals, including Exeter Hospital, at risk. The Court found that a motion to dismiss was inappropriate because ARRT knew about the incident and, as a certifying agency, had broader duties.

Who Let the Dogs Out?

An attack by a vicious dog can result in severe physical and emotional injuries to the person who was attacked. By statute, the owner of the dog is strictly liable for injuries caused by his or her dog. RSA 466:19. Although frequently referred to as a dog bite statute, a dog owner may be liable for a person’s injuries even if the dog never bites the person.

Further, a landowner may also be liable for injuries caused by a vicious dog. All landowners are under a duty to use reasonable care under all the circumstances in the maintenance and operation of their properties. If a landlord knew or should have known that his tenant kept a vicious dog on the property, then the landlord (and the dog’s owner) may be liable to a person injured by his tenant’s dog.