You can hardly turn on the news anymore without hearing about a traffic tie-up involving a big-rig truck crash. As an experienced truck accident lawyer, Frekhtman & Associates has helped truck accident victims around the nation receive the justice and compensation they deserve for their injuries and suffering. Call us toll free at 1-866-ATTY-LAW.

A hospital bed can feel like one of the loneliest places on earth when you’re laying there in shock after a truck collision has changed your life. You wonder how you will ever pay all the unexpected medical bills about to start streaming into your mailbox. You wonder how you will be able to even pay your regular bills now that you are unexpectedly unable to work for a period of time.

You also can’t help but ask yourself some difficult questions during the long, depressing, restless hours while you are stuck in a bed when you would so much rather be out there living your life: “What am I going to do? Who’s on my side? Who can I turn to for help?”

The same goes for families, who often feel they can do little to help their loved one recover other than try to make him or her a little less uncomfortable during the process. Worse, some families are desperate with grief after the unspeakable tragedy of a fatal accident when their loved one — who might have been their sole income earner — is lost forever.

The answer is simple: You can turn to us. We know what you are going through. We’ve stood next to many, many clients who have found themselves in terrible situations like this. And while we could not turn back the hands of time to spare them from their ordeal, we’ve succeeded in getting them compensation that, in the end, brought a smile back to their face and peace of mind back to their family.

No matter how bad you feel right now, know this: you are not alone. Simply contact us at our toll free number — 1-866-ATTY-LAW — to put our powerful expertise and experience to work for you.

Maritime Injury Center has launched a 24hr hotline for passengers who were injured in the recent Carnival Cruise line disaster. The Carnival Cruise Line ship suffered an engine room fire due to which the ship remained stranded in the Gulf of Mexico for more than two days waiting for tug boats to come which will drag it to shore. During this time the emergency generator was in use yet passengers suffered in silence due to disgusting and unhygienic conditions, lack of adequate bathrooms and food, and so fourth. Passengers have described the conditions as shocking, horrendous where passengers were deprived of their basic human needs.

The first lawsuit has already been filed in the wake of the crippled Carnival Triumph cruise line ship that left thousands of passengers in miserable conditions for days.
Cruise ship passenger accident injury claims against sophisticated cruise lines require the expertise of an experienced Maritime Lawyer specializing in Maritime Law. Whether you are injured or suffered serious personal injury you must speak with Frekhtman & Associates who will help you receive justice and compensation for your injuries.

Call Now 1-866-ATTY-LAW for a free legal consultation.

Mirena IUD Lawyers – Frekhtman Associates represent victims of Personal Injury. If you are injured and seeking justice then do contact us at (855) HURT MED.

The intrauterine contraceptive device (“IUD”) known by the brand name Mirena has led to serious complications in some patients. These include perforation of the uterine lining or wall and the IUD migrating into other areas of the body. Bayer as the manufacturer this device has a duty to make sure it is safe. If a device is dangerous or defective and causes severe personal injury the manufacturer and other parties may be liable in a civil lawsuit.

On January 14, 2010, the FDA warned Bayer that it overstated the effectiveness of Mirena IUD devices, presented claims about the IUD that were “unsubstantiated”, and minimized the true risks of using Mirena. The FDA also warned that Bayer used false or misleading presentations with regard to Mirena.

According to studies, there have been a number of side effects reported from patients who had the Mireuna IUD inserted from 2007 to the present:

-migration or movement of the device into parts of the body other than where it was implanted and intended to remain
-stomach pains
-birth of a child with birth defects
-emdedment of the Mirena IUD in the uterus
-vaginal hemorrhage (severe bleeding)
-pregnancy
- infertility
-genital hemorrhage (severe bleeding)
-explusion of the Mirena device

If you or a loved one has used the Mirena IUD and suffered injuries, please contact the lawyers at Frekhtman & Associates for a free no obligation consultation. There is no fee of any kind until we win compensation for your pain and suffering. Call(855) HURT MED if you were hurt by a defective medical device.

The US Food & Drug Administration issued a safety alert in June 2011 informing the public that use of Actos for more than one year may be linked to an increased risk of bladder cancer. Several european countries including France have banned Actos. While Takeda changed the label on the drug to warn patients of this increased bladder cancer risk, such a warning may not be enough.

Canada similarly issued a safety warning in April of 2012.

Several patients who took Actos to manage their diabetes and were diagnosed with bladder cancer afterwards have already filed lawsuits against Takeda. The suits allege that the pharmaceutical manufacturer should have known using reasonable care that Actos causes bladder cancer. Some of the suits claim that Takeda had studies on laboratory animals which also confirmed an increased risk of bladder cancer. Those studies were in Takeda’s possession before they introduced the drug to the public market in 1999 but the company failed to inform health regulators, any governmental agency, or the public about these studies or their results.

Actos lawsuit summons and complaints also allege that Takeda did not investigate or examine the link between Actos and bladder cancer. No clinical studies on humans were conducted. The manufacturer marketed and sold Actos with no warnings to doctors or their patients that taking this drug may cause cancer of the bladder.

In 2003, a group of doctors, presented a study at the American Academy of Opthalmology which found a relationship between use of Actos and macular edema. The study actually found that Actos “appears to be a cause of macular edema” which is bulging or swelling of the macula, the part of the eye who regulates detailed vision. Macular edema leads to loss of vision which may be small or extremely severe.

In 2009, another study by physicians found that diabetes patients who took Actos were more likely to develop macular edema than diabetes patients who did not take this drug. The study examined nearly 200,000 diabetes patients.

If you or a loved one is taking Actos and suffered vision loss due to macular edema or has been diagnosed with bladder cancer, contact Frekhtman & Associates for a free consultation. We will investigate your claim and recover compensation if we accept your case. There is never any fee due from our clients. Our recovery is a percentage of the money we win for you.

Email us or call (855) DRUG HURT. (855) 378-4487.

A business interruption claim is when a business suffers loss of income due to a disruption of normal business operations as a result of Hurricane Sandy. The disruption of business operations may be caused by physical damage such as broken store front window due to high wind. Your business may also be interrupted due to a third party’s losses. For example, when a supplier cannot deliver products to your business because that supplier’s warehouse or trucks were damaged in the storm, your business may have what is called contingent business interruption claim. Your business being able to sell the product is contingent or depends upon your supplier being able to deliver the product to your store. But if your supplier’s delivery trucks are underwater and inoperable or if your supplier’s warehouse roof is leaking and the products are been ruined, then this clearly affects your business.

Some insurance policies also cover business interruption due to government action such as shutting down mass transit system. Your insurance coverage should continue for the time your business requires to repair, replace, and or rebuild the damaged property.

Prior to issuing payments, insurers will search for and attempt to use exclusions. Exclusions are paragraphs in the insurance policy the insurers can point to and quote verbatim in a letter to their insureds. The insurance companies will use these provisions to exclude or eliminate their payment for your loss. One common exclusion following Super Storm Sandy is flood damage. It is advantageous for an insurance company to characterize losses as being caused by a flood since often times business property policies exclude floods. However, experienced coverage counsel may be successful in arguing that the storm surge was really caused by winds which pushed and drove the surge. This will be a point of heated contention.

Photographs or videos are important especially if they can help prove that wind caused damages. Statements you make to your insurance claim adjuster are also vital.

Under New Jersey law, the courts have narrowly construed exclusion language stating that an exclusion applies only if it is an “efficient proximate cause” of the damage. Therefore, even if you think an exclusion such as flood applies, there may be arguments to still obtain coverage especially if other causes also contributed to the damage. These are called concurrent causes. If a cause of the loss which is included in the policy is either the first or last step in the chain of causation which leads to the damage, the insured policyholder should usually be afforded coverage. See Puhlovsky v. Rutgers Ins Co (NJ App Div 2012). Hiring a lawyer is therefore important so that you have the best chance of success since precedent case law on this issue is confusing. A business owner is not in the best position to argue or negotiate these points with an insurance company directly. Each business owner is a specialist in his or her discrete business be it a furniture store, a nail salon, or a psychiatrist. These business owners should not be negotiating complicated legal matters with insurance adjusters much like they would not operate on themselves if they needed urgent medical care.

Further, even for the sake of argument, if the business owner’s argument is spot on and correct, the insurance adjuster may still deny his claim and stick to their exclusion denial. Their denial does not have to be ultimately correct. It just has to have some basis. At the end of the long litigation road, perhaps the insurance company will be wrong so they will pay out then which is months or years away. Why should they pay you today if they can pay you years from now ? Remember, insurance companies are for profit businesses looking out for their own best interests. Insurance adjusters are not lawyers either and often dont know the law. The only way to really succeed and obtain payment is to file a lawsuit and get a ruling from a judge. The insurance company will have their lawyers present their arguments regarding upholding the denial while the business owner should be armed with a strong legal team to persuasively present the facts of his or her claim and the supporting case law to bolster the claim. This is often the only way to receive full payment of what you feel you deserve.

Contact Business Insurance Claim Hurricane Sandy Lawyer at F&A for a free consultation. (855) SANDY 911

Business Insurance Claim Lawyers – Frekhtman Associates represent victims of Hurricane Sandy. Call Us at (855) SANDY911 for a free legal consultation.

A difficult task for most business owners or managers is to properly evaluate and assess a claim. While your business was shut down and your business may have suffered property damage, do you really know the value of your claim ? Even if you can estimate the value, your evaluation and that of your insurance company will vastly differ.

An insurer may manipulate the numbers, statistics, and other data to achieve its goals which is pay out nothing or the minimum. While any business owner knows its craft be it a restaurant, bicycle shop, or eyeglass store, that business owner is not an expert in calculating damages following super storm Sandy which may include: business interruption losses, property damage, temporary relocation costs, contingent business interruption, and other losses. This is where it is vital to consider hiring a lawyer to represent you for your business claim.

An experienced Business Interruption Insurance Claim lawyer at F&A can help a business owner:

-obtain funds from the insurance company immediately in order to move to a temporary location if the business property is severely damaged and cannot be used

-negotiate insurance payments to cover emergency needs including immediate electrical, roofing, or plumbing repairs as well as payroll, replacement parts and equipment, and restocking of products to be sold.

-Evaluate, assess, and then submit your overall claim including lost profits your business suffered

-File a lawsuit and litigate the case with a view toward proving up the maximum amount of damages and losses for our business clients

As a business owner you paid for insurance coverage probably for many years without ever having a claim or obtaining any monies from your insurer. You paid your insurance premiums mostly because you had to by law. Well the insurance companies also have to pay you by law if you suffered a covered and compensable claim. Avail yourself of all you are entitled to. Don’t settle for less. Call an inexperienced coverage counsel at Frekhtman & Associates to fight the insurance companies head on and obtain the maximum amount you are entitled to. Contact F&A vie email at arkady[at] 866attylaw.com or toll free (855) SANDY911

Hurricane Sandy Business Interruption Insurance Claim Attorneys – Frekhtman Associates represent victims of Hurricane Sandy. Call now (855) SANDY 911 for a free legal help.

The damages from Super storm Sandy exceed $50 billion including many business owners that suffered losses. If you are a business owner who has suffered damages as a result of Hurricane Sandy, it is important to consider the following factors as you deal with the slow and often difficult process of filing an insurance claim. With Hurricane Sandy claims, aside from the usual slow response and lack of attentiveness from insurance adjusters, there are vital coverage issues. Insurance companies may look to deny a claim based on policy language and the way a claim is presented. A lot of the issues will deal with flood versus wind damage.

Business Interruption Insurance Claim: What should a business owner do ?:

#1. Provide information to the insurance adjuster handling your business claim immediately. Do not wait to file a claim. Ask the adjuster what they need and provide as much of this information as possible. Dont wait until you have every piece of info. Submit what you have and keep submitting more information as it becomes available.

#2. Set a deadline for when the claim will be paid. Remember, insurance adjusters are employees of a for profit business much like your business that has suffered. They will not pay your claim if you do not mandate or compel them to. Your claim will be given a low priority and it will linger. To avoid that, set a deadline of 30-60 days for the insurance adjuster to tell you whether they will afford coverage. Be firm. If the insurance company misses the deadline, threaten with a letter that your lawyer will get involved. If that fails, contact a lawyer.

#3. Ask your insurance adjuster to pay out the agreed upon amounts first. Once all undisputed claim payments are received, you can then negotiate the disputed portions. Often an insurance company may pay only a small fraction of what is due. They will hold the rest of the funds including the undisputed claim monies in order to use that as bargaining power over the policyholder to force them to settle the contested claims for pennies on the dollar. This is unfair to the insured.

Always obtain a clear explanation of what your insurance covers. As a business owner you need a definitive and clear statement of what damages the insurance company will cover. Many times an insurance company will issue a reservation of rights letter that simply cuts and pastes verbatim language from the insurance policy in an effort to exclude certain damages. They do this without explaining how those quoted paragraphs apply to the facts of your claim. These letters are meant to protect the insurance company from forfeiting their potential defenses to providing coverage and paying your claim. This again shows how the insurance companies are looking out for their own interests first. If you receive a reservation of rights letter, ask for clear coverage determination and have your attorney send a “bad faith” letter to the insurance company which protects your interests.

#4 Keep a record of all correspondence between yourself and your insurance company. These types of records may be needed if the case goes to litigation.

#5 Make sure to claim losses which are caused by the insurance company’s delays in processing your claim and issuing timely payments to you. As a business owner affected by Super Storm Sandy your livelihood has been interrupted. Your business may have been shut down for a period of time from two weeks to one month or more. Some businesses may have been destroyed due to wind and flood damage. For many businesses, the claim will be for property damage and business interruption. If the insurance company’s dilatory practices and delays are preventing your business from reopening, add that time period to your bad faith letter as this evidence can be used in litigation to obtain punitive damages. Failure to make a claim payment may result in your business being unable to reopen because your insurer improperly delayed or denied your claim.

#6. Make sure you have a team reading to fight for your rights including insurance coverage attorneys, public adjusters, accountants, and other professionals. Remember that the insurance adjuster has in house appraisers, accountants, lawyers, and other personnel who all work to either find a loophole to deny your entire claim or to minimize the pay out. Some companies even pay a bonus to their employees every time they deny your claim or can substantiate a very low pay out.

If you cannot resolve a claim by negotiating it yourself then you can hire a lawyer to litigate the claim on your behalf. Some policies have an appraisal provision which is similar to arbitration. An appraiser or public adjuster will examine your losses and issue a report which you can submit to your insurance company to support your claim. Appraisers are usually former contractors or individuals associated with building trades. However, this is only useful when the insurance company has agreed to provide coverage and the dispute is only concerning the amount of the payment. When the insurance company denies or disputes coverage, there is an initial question of whether your insurer must cover your losses which often should be decided by a court.

Most business owners are experts in their particular field but most are not experts in insurance coverage law. Whether your business is a grocery store, a dental office, a wine bar, or a toy store, you want to get to the place you were before this storm damaged your enterprise. Most times it doesn’t pay to do it yourself since an experienced adjuster armed with a team of claims experts can delay, dispute, and deny any and all payments. To fight them and obtain significant compensation, consider hiring a business claim lawyer to represent you. Law firms in this field work on a contingency fee which means they charge you no fee of any kind and their entire fee is a percentage of the money the law firm wins for you (usually the amount greater than what you were offered before you hired the attorney). For a free consultation contact Frekhtman & Associates at (855) SANDY911.

Superstorm Sandy Insurance Claim Lawyers – Frekhtman & Associates represent victims of Hurricane Sandy Damage. If your insurance claim has been wrongly denied then do call us at (855) SANDY 911.

On October 29th, 2012, super storm Sandy ripped across the East Coast of the United States leaving in her aftermath up to $50 billion in damages. These damages include flooding, loss of property, damage to property, business interruption, power outages, and other destruction brought on by Hurricane Sandy.

If this super storm has caused serious damage to you, your family, or loved ones, there are important issues to consider and vital questions that you need answered. As the East Coast including New York and New Jersey begin to rebuild, hurricane damage claims will be submitted to the insurance companies. Property owners want a full and fair settlement of their claims. They seek to recover enough to rebuild and put them in the same place they were before this storm hit. Insurance companies will be overwhelmed with claims.

MAKE SURE TO REPORT YOUR CLAIMS

Don’t assume your insurance company will send a shiny brightly colored van to your house to look over every nook and cranny and find out what happened to you. The commercials they put out after the storm and paid a lot of money for are nice and help them keep or save their public image but insurance companies are a for profit business. Their own interests and financial well being are the number one priority. Collecting premiums is of utmost importance in times of normalcy when nothing is happening. Most insurance companies will immediately cancel a policy if a payment is not timely made. Yet, when it comes time for the insurance company to make a payment on a claim, they are not so quick to pay out.

It is therefore crucial to report your claim in a timely and detailed manner. Let the insurance company know exactly what happened to you, what was damaged, and how the storm had affected you. Take notes and photos. Sending a letter or email is fine if phones are non functional.

When asked to explain the full extent of the damage, it is important to couch your statement as follows:

“The Hurricane Damage is …… as far as I can tell. But I am not a construction or architectural professional. I have no way of knowing the full extent of damage caused by Super Storm Sandy.”
You never want to underestimate the damage. Do not guess as to what the damage may be. Locking yourself in to a limited list of damages may prevent you from recovering more should you learn of new problems such as a structural problem with your house that needs to be repaired.

YOUR COVERAGE

Consulting with an experienced insurance coverage attorney is probably one of the best ways to ascertain if a specific type of damage is covered by your policy. Insurance policies often have many exclusions listing events that are not covered. One of the best examples is floods or storm surges which are considered to be floods. These are usually not covered by a standard homeowners insurance policy and special flood insurance is needed.

Some policies afford coverage for additional living expenses or loss of use. If you have temporarily been displaced from your home, some policies will cover hotel and additional living expenses such as restaurants or food. Some insurance policies may coverage debris removal and other clean up costs.

If a house has been severely damaged and needs to be rebuilt, insurance policies that cover replacement cost will pay for you to rebuild. But the difference between what a good construction company or builder needs in order to rebuild versus what an insurance company is willing to pay may be vast. This is all part of the battle homeowners may face and having an attorney in your corner may benefit the homeowner because insurance companies will definitely be using attorneys to support their delayed or denied benefit pay outs.

FLOOD INSURANCE

As per the Katrina litigation, we learned that storm surge, overflowing lakes, creeks, rivers, and ponds, seeping or pooling water are the kinds of water damage that are flooding and excluded from standard homeowners insurance policies.

DEDUCTIBLES

Insurance companies may charge more for a Hurricane related damage. By the time Super Storm Sandy made landfall it was no longer classified as a Hurricane. Therefore experienced Hurricane damage lawyers can help lower or eliminate this deductible.

BAD FAITH

Insurance companies are legally prohibited from refusing to pay a claim based on an arbitrary reason. This is called bad faith practice and can result in a lawsuit against the insurance company.

If your insurance has been denied, you can call Hurricane Sandy Bad Faith Insurance Lawyers at (855) SANDY 911.

MOLD

The aftermath of Hurricane Sandy will leave homeowners will mold conditions in their homes. Will insurance cover the cost to remediate this problem ? An experienced insurance coverage lawyer can help.

Contact Superstorm Sandy Insurance Claim Lawyers for a free consultation. Our firm accepts Super Storm Sandy cases on contingency meaning there is no up front cost of any kind and our legal fee is a percentage of the amount we win for you. Call Superstorm Sandy Litigation Lawyers at (855) SANDY 911 or (212) 766 5656.

Fungal Meningitis Outbreak Lawyers

Fungal Meningitis Outbreak was caused by Epidural Steroid Pain Management Injections for Back Pain Sufferers.

According to the U.S. Centers for Disease Control and Prevention (“CDC”), more than 14,000 back pain patients across the United States in 23 different states have been treated with a tainted pain relief medicine that may have caused fungal meningitis.

As of this week, almost 500 cases along with 34 deaths are linked to the outbreak following a pain relief injection that utilized the steroid methylprednilosone acetate, a medicine employed by physicians in a procedure known as an epidural steroid injection.

During an epidural steroid injection a doctor guides a needle into a patient’s disc under fluoroscopic guidance and injects steroid medicine into the disc to numb the area and relieve pain. Usually these injections are done in a series of three spaced a few weeks apart and provide a few months or more of pain relief. The injections are indicated for patients who suffer from bulging or herniated discs in their intervertebral spinal discs, a common injury.

The New England Compounding Center of (“NECC”) in Framingham, Massachusetts manufactured, distributed, and sold the tainted medicine which is now thought to have caused this outbreak.

Because this medicinal steroid drug was shipped to various medical centers across the nation, the 1,279 medical offices that received the product from NECC must warn their patients of potential meningitis infections. Call Now New York Meningitis Lawyers at 1-866-ATTY-LAW for a free consultation.

In November 2012, several patients who received contaminated epidural steroid injections filed a class action lawsuit against NECC alleging that the medicine injected into their backs was tainted due to unsanitary conditions and poor hygienic practices at NECC. The lawsuit seeks to obtain compensatory and punitive damages from the New England Compounding Center.

Common symptoms of meningitis include fever, nausea, headache, and neck stiffness or tightness.

Other signs of fungal meningitis, according to the CDC, include dizziness, confusion, sensitivity to light, increasing pain, redness or swelling at the site of the injection, numbness, slurred speech, increasing pain, and weakness.

Symptoms usually appear within 1-4 weeks following the pain injection but in some cases may take longer. Exposed patients should be on the lookout for symptoms over the next few months. If you have symptoms of meningitis it is vital to see a physician immediately as this is a life threatening illness.

Legal Rights

If you or a loved one contracted meningitis as a result of an epidural steroid injection, please contact Fungal Meningitis Outbreak law firm for a free consultation at (866) ATTY LAW. Under the law, an injured individual may have a products liability claim against NECC for manufacturing a defective and dangerous drug. Additionally, there may be claims for personal injury and punitive damages. Recoverable damages may include damages to compensate for conscious pain and suffering and emotional distress, reimbursement of medical expenses both past and future, and loss of earnings. Our experienced personal injury attorneys can help. We specialize in medical negligence cases and work with top medical experts including board certified doctors who specialize in pain management and can identify and explain what went wrong with the injectable steroids manufactured by NECC. Our firm also works with a nurse attorney to review medical records. We charge no fee of any kind unless we win your case and recover compensation for you. All information is strictly confidential and there is a free no obligation consultation. Feel free to call New York Meningitis Lawyers at (866) ATTY LAW or (212) 766-5656.