Scarring

I was involved in a car accident last year. The only injury I sustained was a large cut on my arm that has left me with a scar. Can you tell me if it is worth trying to bring a case over a scar?

The short answer is yes. In New York, if you were involved in a car accident, your medical bills are covered by No-Fault. (Generally, the vehicle in which you were riding or driving has a health insurance rider attached to the car insurance policy which covers medical expenses. But if you were driving or riding for your job, your employer’s worker’s compensation policy would cover medical expenses.)

In addition to medical expenses, you may also make a claim for pain and suffering against the at-fault parties who caused your injuries. Under the no-fault law, you can sue for and be awarded damages for a scar. There may be certain tiny scars which may not be awarded damages. However, you stated that you sustained a “large” cut, so I am assuming you have a corresponding “large” scar.

Scar cases are generally quick to try since no doctor testimony is necessary to prove a scar was caused by a laceration. A jury would normally see hospital records, look at photographs of the laceration, and would review the scar on the injured party.

Zone of Danger

Last year this website wrote a blog that touched on the issue of negligent infliction of emotional distress. The Court of Appeals recently wrote an opinion clarifying an issue surronding these claims: Green v Esplanade Venture Partnership, 2021 NY Slip Op 01092.

This sad story occurred May 17, 2015 when two year old Devere Green was a pedestrian killed by debris that fell from the front of a building owned by defendant. Devere Greene was in the company of her grandmother, Susan Frierson, at the time of this accident. Frierson wanted to make her own claim for damages against the defendant for emotional distress. The Court had previously held that Frierson could make such a claim if she was in the “zone of danger” and she was in the “immediate family” of the injured party.

There was no issue that Frierson was in the “zone of danger” since she was right next to her grandaughter when the debris struck. But prior cases limited recovery to a parent as part of the “immediate family.” This Court in Greene, found that a grandparent could be part of the injured party’s “immediate family.” However, the Court also mentioned there was an “emotional bond” between Frierson and Greene. Frierson was activerly involved in the child’s life with frequent visits and sleepovers at Frierson’s home.

So now this opens additional questions regarding negligent infliction of emotional distress (or “zone of danger”) cases. If an injured party is accompanied by an aunt, or a cousin, or close friend at the time of an accident, could that uninjured person that witnessed the accident make a claim for emotional distress if they have an “emotional bond” with the injured party?

Excess Insurance

“My son was seriously injured in a bicycle accident, but I was disappointed with the recovery he received because my lawyer told me there was a problem with insurance coverage. What can I do to help my son?”

All cars are required by law to carry minimun liability coverage for all accidents. Excess insurance is a term used to describe additional insurance coverage for motor vehicle accidents. If the owner/operator of a car purchased an “umbrella” policy, then the “umbrella” policy would afford additional coverage for a motor vehicle accident. If the owner of a vehicle is different than the operator, then the operator may have his or her own insurance coverage in addition to the policy covering the vehicle. If a tractor/trailor was involved in the accident, then sometimes trailors have their own policies different than the tractor which could provide additional coverage for your accident.

If your son’s case is settled, then there is nothing anybody can do.

But if your son’s case is not settled, your attorney must look for all of the available insurance covering an accident to maximize your son’s recovery. Many defendants simply do not have assets worth attaching to collect a judgment. If your son did obtain a large monetary judgment against the driver that struck him, bankruptcy laws will allow the defendant to discharge that debt through bankruptcy. Your son may be in better position if he had settled his case for the available insurance coverage. But your attorney must look for all available insurance coverage.

A Tale of Crossing Guards

“My child was struck by a car while walking home from school.  Shouldn’t the City also be responsible for the accident as well as the driver of the car that struck my child for failing to provide crossing guards so children can get home safely on busy New York Streets?”

As with most questions presented, the answer really lies with the details of the accident if the City is negligent for failing to provide crossing guards. The lead case with crossing guard accidents is probably Florence v Goldberg, 44 NY2d 189 (1978).  This was a 1978 case in which a jury found the City responsible for failing to replace a civilian crossing guard assigned to a busy Brooklyn intersection who called in sick.  The 6 year old plaintiff was struck walking home.  The key fact in the case was the intersection was protected by a crossing guard for the first two weeks of school.  The plaintiff’s mother accompanied the plaintiff for the first two weeks of school.  She then accepted a job after two weeks and relied on the crossing guard to help her child get home safely.

The Court found that the crossing guard created a special duty of the police to insure the child would get home safely.  But the Court repeated the rule that there is no general duty to insure citizens are never the victims of accidents or crimes. Municipalities have limited resources so they are not responsible for every act violating its citizens.  A mugging victim cannot claim the City should have had more of a police presence to prevent a crime from occurring.  Similary, if an adult was struck in that busy Brooklyn intersection, there would be no claim because there was no special relationship between the vicitim and the police force.  Similarly, if the young victim in the Florence case was injured by a bandit who beat the child up or by a friend who pushed him down, there would be no claim.  The civilian crossing guard was only there to insure safety against cars in the intersection, not against all tragedies that can occurr on a City street.

The question, as it is written, never states if the intersection in question was normally covered by crossing guards or not. If the intersection in question never had a crossing guard to begin with, then the City would not be responsible because no special duty existed bewteen the City and your child.

Children under the Law

“My son’s bike was damaged (but fortunately not my son) when a neighbor’s child had disingaged a parking brake on the family car and, since the car was a stick shift parked in nuetral, the car began to roll out of the neighbor’s driveway into the street, striking my son’s bike. Can I sue to get the bike fixed?”

The short answer is yes.  The best claim you have is against the owner of the car for negligent entrustment of the vehicle to a young child.  Even if the owner did not leave the car unlocked with a child alone in the car, so long as the owner left the keys in a location for the child to get to them, the owner would be responsible for safeguarding the vehicle.

In civil court, children under 4 cannot be charged with negligence  and children under 6 cannot be charged as violating the vehicle and traffic law. Although older children can be held liable for violating the vehicle and traffic law, children over 6 are only held to be responsible for laws they understand. Children over 4 could be negligent under the law, but their conduct is compared to “a reasonably prudent” child of the age of the child in question.