Personal Injury Lawyer – Redmond Law Firm https://redmondfirm.com Personal Injury Lawyer NYC | Accident Lawyer Wed, 10 Jan 2024 13:36:32 +0000 en-US hourly 1 https://wordpress.org/?v=6.5.2 https://redmondfirm.com/wp-content/uploads/2020/09/cropped-fav-1-32x32.webp Personal Injury Lawyer – Redmond Law Firm https://redmondfirm.com 32 32 Avoiding Pitfalls When Choosing a Medical Clinic After Accident https://redmondfirm.com/avoiding-pitfalls-when-choosing-medical-clinic/ https://redmondfirm.com/avoiding-pitfalls-when-choosing-medical-clinic/#respond Mon, 22 Nov 2021 13:40:52 +0000 http://www.demo11.199site.com/?p=1307 Avoiding Pitfalls When Choosing a Medical Clinic After a Car Accident If you are in pain and feel that you need medical attention, after a car accident, it is always a good idea to find a medical facility familiar with the complicated no fault insurance system. You should consider the following issues when deciding on […]

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Avoiding Pitfalls When Choosing a Medical Clinic After a Car Accident

If you are in pain and feel that you need medical attention, after a car accident, it is always a good idea to find a medical facility familiar with the complicated no fault insurance system.

You should consider the following issues when deciding on a medical clinic:

How long has the medical facility been in business?

You want to go to a medical facility that is reputable and has been treating patients over a significant time period.  One of the worst decisions you can make is to attend a clinic that goes out of business after you started treating there. Not only will your treatment suffer, but your medical records could potentially get lost.

Avoid any clinic where a representative approached your at that scene of the accident or offered you money to go there.

What the clinic is doing in this situation is illegal and will likely be closed down for fraud.  You should avoid any clinic that engages in these practices.

Does the medical facility accept no fault insurance?

Many medical facilities will not even accept no fault insurance.  Some will even say that they will not accept no fault, but will charge your own private insurance.  This is a red flag and you should avoid going to this facility.   Perhaps you should even inquire if it is it common for the clinic to treat patients under no fault insurance and if they are familiar with New York No Fault Insurance.

What specialists will be treating me?

There are many kinds of specialists that will be able to help you after a car accident.  The most common types are: Physiatrists, Pain Management Doctors, Chiropractors, Orthopedists, Neurologists, Radiologists, Physician Assistants, and  Acupuncturists.

What will the clinic do if No fault decides it does not want to pay for treatment anymore?

This is probably one of the most important questions you should ask your medical provider.  The no fault insurance will eventually send you to a doctor hired by a “scheduling company.”  These doctors are supposed to be “independent,” but they are NOT.  It has been my experience that 90% of the time these doctors claim that you no longer need treatment and that no fault should stop paying for your medical treatment.  At this point some clinics will discharge you because they will no longer get paid and it is the easy thing to do for their business. However, a good medical facility will make decisions independent of the no fault doctors.  If your doctor feels you need more treatment, they will provide that treatment and fight the no fault insurance later down the road with their own lawyers.

Locating a Reputable Medical Facility After a Car Accident

You should do research based on the above information to locate a reputable medical facility for treatment.  Ask the tough questions.   If you are not sure where to find one, your personal injury  lawyer can usually suggest a list of 3 or more within your geographic location.

If you have been involved in any kind of accident – call Attorney Neil Redmond on his Mobile Phone 646-285-7115 for a free consultation

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Personal Injury Law- If You have a Car, You need SUM Coverage https://redmondfirm.com/personal-injury-law-if-you-have-a-car-you-need-sum-coverage/ https://redmondfirm.com/personal-injury-law-if-you-have-a-car-you-need-sum-coverage/#respond Sat, 03 Jul 2021 13:14:00 +0000 http://www.demo11.199site.com/?p=1295 If You have a Car, You need to have SUM Coverage What is SUM Coverage? SUM stands for Supplemental Underinsured Motorist Coverage.  This type of insurance will protect you and your family members in the event that the vehicle that struck you, did not have enough coverage to pay for your injuries. In New York […]

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If You have a Car, You need to have SUM Coverage

What is SUM Coverage?

SUM stands for Supplemental Underinsured Motorist Coverage.  This type of insurance will protect you and your family members in the event that the vehicle that struck you, did not have enough coverage to pay for your injuries.

In New York State, a vehicle is only legally obligated to carry a minimum of $25,000.00 in bodily injury insurance. This means that if you do not have SUM coverage and someone hits you with the minimum amount of insurance, your recovery could be limited to $25,000.00.

Case Example:

You are involved in a serious accident that causes you to fracture your arm and leaves you with a disfiguring facial scar.  The car that struck you only carried the minimum of $25,000.00.  Luckily, you purchased SUM coverage in the amount of $500,000.00.  You will first need to settle the case for $25,000.00 with the car that hit you.  After this is completed and your own insurance provided you with written consent to settle the $25,000.00, you can now obtain an additional $475,000.00 from your SUM policy.

You Cannot Carry High SUM Coverage with Low Bodily Limit Limits In New York State

This means that you cannot protect yourself with more coverage if someone hits you, but have small limits if you hit someone else.  For example, If you want to have 250,000.00 in SUM coverage, then you must have 250,000.00 in bodily injury insurance if you caused injuries to someone else.

Check Your Insurance Policy and Make Sure You Have SUM Coverage

Brokers and insurance companies rarely offer and explain SUM coverage to their customers. Check your policy and make sure you have it!

If you have been involved in any kind of accident – call Attorney Neil Redmond on his Mobile Phone 646-285-7115 for a free consultation.

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What is Knee ligament injury means? Personal Injury Law https://redmondfirm.com/personal-injury-law-knee-ligament-injury-means/ https://redmondfirm.com/personal-injury-law-knee-ligament-injury-means/#respond Fri, 18 Jun 2021 13:11:00 +0000 http://www.demo11.199site.com/?p=1289 Knee Ligament Injuries may require surgery Soft tissue knee injuries are very common after a car accident, especially if you were struck by a car as a pedestrian. Understanding the Anatomy Knee ligaments are tough bands of tissue that connect the bones in our bodies.  The two most important ligaments in the knee are the […]

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Knee Ligament Injuries may require surgery

Soft tissue knee injuries are very common after a car accident, especially if you were struck by a car as a pedestrian.

Understanding the Anatomy

Knee ligaments are tough bands of tissue that connect the bones in our bodies.  The two most important ligaments in the knee are the Anterior Cruciate Ligament (ACL) and the Posterior Cruciate Ligament (PCL) which connect the femur or the thigh bone to the tibia.  A traumatic impact from a car can cause these ligaments to stretch too far or even snap.

Soft Tissue knee injury symptoms

The usual symptoms you will feel to your knee are:

-pain, often sudden and severe

-a loud pop or snap during the injury

-swelling

-feeling of looseness in the joint

-inability to put weight on the joint without pain

How is it Diagnosed?

Most soft tissue knee injuries can be diagnosed through a MRI How is is treated? Typically, doctors will recommend the following to treat a soft tissue knee injury -Rest the knee-avoid an excess weight, the recommend that you use crutches when walking -Ice your knee -Compress the knee-using bandages or sleeves -Elevate your knee -Wear a knee brace-to stabilize the knee and protect it from further injury -Physical Therapy involving strengthening exercises

Surgery

If the knee does not heal conservatively through physical therapy then orthopedists will perform  arthroscopic or reconstruction surgery.
If you have been involved in any kind of accident – call Attorney Neil Redmond on his Mobile Phone 646-285-7115 for a free consultation.

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Personal Injury Law Navigating Property Damage Headaches https://redmondfirm.com/personal-injury-law-navigating-property-damage-headaches/ https://redmondfirm.com/personal-injury-law-navigating-property-damage-headaches/#respond Wed, 09 Jun 2021 13:07:00 +0000 http://www.demo11.199site.com/?p=1283 Navigating Property Damage Headaches The key to avoiding property damage headaches is to make sure you have collision insurance coverage on your vehicle. What is Collision Coverage? Collision coverage is insurance that you carry to have your car repaired by your own insurance company as opposed to vehicle that caused your accident.  The down side […]

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Navigating Property Damage Headaches

The key to avoiding property damage headaches is to make sure you have collision insurance coverage on your vehicle.

What is Collision Coverage?

Collision coverage is insurance that you carry to have your car repaired by your own insurance company as opposed to vehicle that caused your accident.  The down side to this, is that you have to initially pay the deductible which in many cases is $1,000.00.

The upside is that if the other vehicle that caused the accident was at fault, your insurance company will get your deductible back for you.  The other positive aspect of collision coverage is that that if you are at fault, then you will be able to get your vehicle repaired and only be out your deductible.

Is It Worth It?

Collision coverage is only worth it, if you are driving a vehicle that has value left.  If you are driving an old vehicle that is worth only a few thousand dollars then the cost of collision coverage premium is likely not worth its value.

What If You Do Not Have Collision Coverage?

If you do not have collision insurance, then you are at the mercy of the insurance company covering the vehicle that caused your accident.  This is usually not a problem if the other vehicle was clearly at fault and the other vehicle is insured with a reputable insurance company. If the other insurance company determines that they are not at fault or only partially at fault then they will deny payment or reduce the payment by the percentage of their fault. If you are dealing with a cut-rate insurance carrier, then you will have to deal with all of the problems that come a long when dealing with poorly run companies.
If you have been involved in any kind of accident – call Attorney Neil Redmond on his Mobile Phone 646-285-7115 for a free consultation.

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Personal Injury Law -Understanding Basics of No Fault Insurance https://redmondfirm.com/personal-injury-law-understanding-basics-of-no-fault-insurance/ https://redmondfirm.com/personal-injury-law-understanding-basics-of-no-fault-insurance/#respond Sat, 29 May 2021 13:01:00 +0000 http://www.demo11.199site.com/?p=1277 Understanding The Basics of No Fault Insurance in New York State Many people involved in car accidents know that they have no fault insurance, but have no idea what it actually means. What Is It? No fault insurance, also known as a “first party benefit,” is insurance to cover your basic economic losses immediately after […]

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Understanding The Basics of No Fault Insurance in New York State

Many people involved in car accidents know that they have no fault insurance, but have no idea what it actually means.

What Is It?

No fault insurance, also known as a “first party benefit,” is insurance to cover your basic economic losses immediately after an accident regardless of fault.  Most insurance policies in New York cover up to $50,000.00 in no-fault coverage.  No fault will pay for your medical expenses, lost wages and most out of pocket expenses related to an accident.

Who Qualifies?

Almost anyone involved in a car accident will qualify for no-fault coverage.  However, it is important to understand which vehicle covers this benefit for you.

Here are some examples:

  • If you are a driver, your vehicle will pay your no-fault benefits.
  • If you are a passenger-The vehicle you occupied will cover your no-fault benefits
  • If you are a bicyclist or pedestrian-The vehicle that struck you will pay for your no-fault benefits.

Exceptions

Motorcyclists generally are not covered by no-fault insurance unless they opt for special coverage on their own insurance policy.

Is Your Entire Salary Covered?

No. Most policies in New York will pay up to 80% of your lost wages, not to exceed $2,000 per month.  You also will need to apply for short term disability through your employer to cover additional lost wages.

Most insurance companies will give you the option to purchase supplemental coverage.

The Strict Thirty Day Deadline

In order to receive no-fault benefits, you must apply for them within 30 days of the accident. This is done by filing a form called an NF2.  If you do not file this form timely, you are in danger of forfeiting your no-fault benefits.

PIP aka No Fault Insurance

If you have been involved in any kind of accident – call Attorney Neil Redmond on his Mobile Phone 646-285-7115 for a free consultation. The Basics of No Fault Insurance in New York State

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Personal Injury Law -What Expenses Will I Be Charged in my case? https://redmondfirm.com/personal-injury-law-what-expenses-will-i-be-charged-in-my-case/ https://redmondfirm.com/personal-injury-law-what-expenses-will-i-be-charged-in-my-case/#respond Sat, 22 May 2021 12:58:00 +0000 http://www.demo11.199site.com/?p=1271 Personal Injury Law – Most personal injury case retainer agreements provide for a one-third legal fee contingent upon a recovery (by verdict or settlement) and will include language something like this: The percentage fee is calculated on the amount recovered. The disbursements are deducted from the plaintiff’s settlement or verdict amount.  The disbursements properly chargeable […]

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Personal Injury Law – Most personal injury case retainer agreements provide for a one-third legal fee contingent upon a recovery (by verdict or settlement) and will include language something like this:

The percentage fee is calculated on the amount recovered. The disbursements are deducted from the plaintiff’s settlement or verdict amount.  The disbursements properly chargeable to the case are items such as investigation and expert fees.

So what’s that mean?

It means that the expenses and disbursements (we’ll give examples in a moment) are deducted from the plaintiff’s settlement or verdict amount (and reimbursed to the lawyer who, after all, advanced those items out of his own bank account). 

  • Insider Tip #1 (You won’t like this one): Your lawyer is not permitted to guarantee you that you will not be responsible to repay his expenses and disbursements, even if the case is lost. This would violate Judiciary Law 488 which prohibits lawyers from “buying” lawsuits. It’s OK to take a case on a contingent percentage and to advance the disbursements (which are really client expenses) but telling a client he will never be liable for these disbursements is what’s prohibited. The law aims to keep attorneys from using their own financial clout to compete for clients. [That said, I know of no lawyer who ever made serious efforts to get his disbursements paid by his client after he lost a case.]

So the one-third legal fee is on the net, fine. But what are the expenses and disbursements that are “properly chargeable?”

Let’s get the easy ones out of the way first. Here are several typical plainly proper categories and also some typical amounts you might see on the closing statement. (The closing statement is what your lawyer files with the court system at the end of your case to advise the authorities of the recovery, his fee and his disbursements.):

  • court filing fees (e.g., $210 to start the lawsuit)
  • investigator (e.g., $250-$1,500 to take scene photos and get witness statements)
  • medical records (@$0.75 per page, this can be $100-$2,500 depending on treatment)
  • doctor’s narrative report – ($500-$1,500 for your treating doctor to write a report detailing in lay terms your injuries, their causation and your prognosis)
  • deposition transcripts (approx. $5 a page, could be $500 -$2,500 depending on length and number)
  • experts fees ($2,000 -$15,000 or more depending on how many doctors testify for you in court and if other experts such as engineers, accident reconstructionists, etc. are needed that can drive up this cost many thousands more)

Here are expenses and disbursements that are plainly wrong and have resulted in lawyer disciplinary action:

  • financial assistance to the client for personal fiancial obligations (lawyer disciplined with public censure in Matter of Arensberg
  • charging client for non-existent expenses or for which the lawyer hasn’t paid (lawyer disbarred in Matter of Mann)
  • making loans to client (lawyer suspended in Matter of Cellino)

Here are some other expenses and disbursements that have been held may not be charged to the client, but did not result in lawyer disciplinary action:

The key for clients is this:

Make sure your questions about expenses and disbursements are answered to your satisfaction, and that when you sign a contingency fee retainer agreement for your personal injury claim, it accurately and completely answers your concerns.
If you have been involved in any kind of accident – call Attorney Neil Redmond on his Mobile Phone 646-285-7115 for a free consultation.

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Personal Injury Law- Controversy Behind The Term “Soft Tissue“ https://redmondfirm.com/personal-injury-law-controversy-behind-the-term-soft-tissue/ https://redmondfirm.com/personal-injury-law-controversy-behind-the-term-soft-tissue/#respond Thu, 22 Apr 2021 12:05:27 +0000 http://www.demo11.199site.com/?p=1237 The Controversy Behind The Term “Soft Tissue Injury” Perhaps one of the most commonly used terms that is used to downplay injuries from the insurance defense side in the area of personal injury law, is the term “Soft Tissue Injury.”  Just hearing the term gives you a feeling that it is not serious right? Let’s […]

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The Controversy Behind The Term “Soft Tissue Injury”

Perhaps one of the most commonly used terms that is used to downplay injuries from the insurance defense side in the area of personal injury law, is the term “Soft Tissue Injury.”  Just hearing the term gives you a feeling that it is not serious right? Let’s explore soft tissue injuries and find out why they are wrong.

What is a “Soft Tissue Injury”?

For the most part, a soft tissue injury, is an injury not involving a fracture.   Soft tissue injuries include, disc injuries to the spinal column (herniations and bulges), torn ligaments which would include, (rotator cuff tears, meniscal tears, anterior cruciate ligament tears-ACL, Collateral ligament injuries, posterior cruciate ligament tears, SLAP tears etc.. and less serious injuries including bruising, minor sprains/strains.

How are soft tissue injuries treated and diagnosed?

Soft tissue injuries are typically treated conservatively by doctors and if you are not getting better, they may send you for diagnostic testing such as a MRI.  Over time, doctors may recommend epidural injections and perhaps even surgery.  Surgeries could include arthroscopy and spinal decompression surgery.

SOFT TISSUE INJURIES CAN BE VERY SERIOUS

Soft tissue injuries can be very serious, let us look at two examples:

One person is involved in a car accident, where as a pedestrian, their foot gets run over by a car causing a fracture to their pinky toe. The injured party’s fracture heals and they make a complete recovery.

VS.

The second person is rear ended by a tractor trailer causing their head and neck to violently jerk forward and back. The injured party is diagnosed with multiple disc herniations of the cervical spine and after over a year of extensive treatment their physical condition does not improve. This person ends up undergoing major spinal surgery but does not recover and is never able to go back to work.

Which injury is more serious? You be the judge.

If you have been involved in any kind of accident – call Attorney Neil Redmond on his Mobile Phone 646-285-7115 for a free consultation.

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Common Soft Tissue Injuries: The Bulging Disc, vs Herniated https://redmondfirm.com/common-soft-tissue-injuries-the-bulging-disc-vs-herniated/ https://redmondfirm.com/common-soft-tissue-injuries-the-bulging-disc-vs-herniated/#respond Wed, 14 Apr 2021 12:52:00 +0000 http://www.demo11.199site.com/?p=1264 Common Soft Tissue Injuries: The Bulging Disc, vs The Herniated Disc v. Degenerated disc After a car accident you may be diagnosed with a bulging disc or a herniated disc.  To make things even more complicated, your medical provider might even tell you that you are suffering from degenerative disc disease. What is the difference […]

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Common Soft Tissue Injuries: The Bulging Disc, vs The Herniated Disc v. Degenerated disc

After a car accident you may be diagnosed with a bulging disc or a herniated disc.  To make things even more complicated, your medical provider might even tell you that you are suffering from degenerative disc disease. What is the difference and what does all of this mean?

The Annular Tear

Before we make some differentiations, it is important to understand the definition of the annular tear.

An annular tear refers to a tear or damage to the outer layer of a spinal disc (known as the Annulus Fibrosis).  As I explained in a previous post, you can think of the disc as a jelly donut. The fibrous outer portion of the disc protects the inside which is jelly-like.

Bulging Disc

Bulging discs can be traumatically related injuries, where the discs are usually still contained with the annulus fibrosis. Bulging discs can still be very painful because the bulging portion of the disc can push against your spinal cord.

Herniated Disc

A herniated disc often tends to be considered more serious by the medical community because a portion of the nucleus, or inside material pushes out into the nerve.

Degenerated Disc Disease

Degeneration of discs is usually observed as the gradual thinning of the disc due to loss of fluid in the disc. This reduces the ability of the disc to act as shock absorbers and makes it less flexible. The loss of fluid makes the disc thinner and narrows the distance between the vertebrae. The body reacts to this thinning by creating bone spurs (osteophytes). Bone spurs can put pressure on the spinal cord resulting in pain and affective nerve function. Degenerative disc disease can occur and be accelerated by a traumatically related  herniation or bulge.

Understanding The Difference Between A Herniated vs. Bulging Disc

The real difference is the degree of the protrusion.  A bulging disc is a smaller protrusion of the central nuclear material still contained by some of the outer annular fibers. A herniated disc is one that has ruptured through the annulus. The best way to understand disc injuries it to go back to the jelly donut analogy. A bulging disc would be when you squash down on a jelly donut and the jelly never comes out, that is a bulging disc. A herniated disc is when the jelly actually comes out.
If you have been involved in any kind of accident – call Attorney Neil Redmond on his Mobile Phone 646-285-7115 for a free consultation.

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How Much Can I Sue For, After a Car Accident in New York State? https://redmondfirm.com/how-much-can-i-sue-for-after-a-car-accident-in-new-york-state/ https://redmondfirm.com/how-much-can-i-sue-for-after-a-car-accident-in-new-york-state/#respond Thu, 04 Mar 2021 12:39:00 +0000 http://www.demo11.199site.com/?p=1258 How Much Can I Sue For, After a Car Accident in New York State? A  question that clients sometimes ask after a car accident is:  How much are we suing for? In New York State, lawyers are not required to put limits on lawsuits. Often times, the media will hype up lawsuit news pieces by […]

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How Much Can I Sue For, After a Car Accident in New York State?

A  question that clients sometimes ask after a car accident is:  How much are we suing for?

In New York State, lawyers are not required to put limits on lawsuits. Often times, the media will hype up lawsuit news pieces by wanting to attach a giant number to a story.  The personal injury lawyers who put these astronomical numbers onto lawsuits are doing their client a disservice.  When a lawyer claims he is suing for $100 million dollars it creates a false expectation in the client’s mind that they will actually get that amount.  It accomplishes nothing.

On the other side, lawyers are not required to limit themselves  in the the Summons and Complaint to a fixed dollar amount as this could prejudice the client’s case. Lawsuits can often take years to resolve and during that time, the injury could get worse, a client could end up needing a serious surgery or may never be able to work again.  All of these factors could end up affecting the value of the case.

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Pain and Suffering Damages Award against Police Department https://redmondfirm.com/pain-and-suffering-damages-award-against-police-department/ https://redmondfirm.com/pain-and-suffering-damages-award-against-police-department/#respond Fri, 08 Jan 2021 12:14:00 +0000 http://www.demo11.199site.com/?p=1244 Pain and Suffering Damages Award against Police Department Addressed on Appeal in Excessive Force Case On February 13, 2009, at 5 a.m., Anthony Shimukonas was asleep in his East Harlem apartment when he was awakened by what sounded like an explosion. It was a squad of officers from the New York City Police Department forcibly breaching […]

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Pain and Suffering Damages Award against Police Department Addressed on Appeal in Excessive Force Case

On February 13, 2009, at 5 a.m., Anthony Shimukonas was asleep in his East Harlem apartment when he was awakened by what sounded like an explosion. It was a squad of officers from the New York City Police Department forcibly breaching and ramming through the door to execute a no knock search warrant based upon information that Mr. Shimukonas was in possession of illegal drugs and guns.

In the ensuing moments, after the lead officer approached him with a four foot long, two foot wide bullet resistant shield, the 23 year old Shimukonas was handcuffed and arrested.

In the melee, Shimukonas sustained a broken nose. He was taken to the local emergency room for minor treatment before he was booked at the police station and taken to the prison at Rikers Island. He ultimately pled guilty to various crimes and spent eight years in jail.

Shimukonas sued the police department claiming that the officers used excessive force during the arrest and that as a result he was injured. In early 2018, a Manhattan jury agreed that the force was excessive but they declined to award any compensation at all for either past or future pain and suffering.

Plaintiff appealed and in Shimukonas v. City of New York (1st Dept. 2019), the court ruled that the jury’s failure to award damages for past pain and suffering was contrary to a fair interpretation of the evidence and deviated from what would be reasonable compensation. The appellate court ordered an increase in pain and suffering damages to the sum of $200,000 (all past – nine years). The award of zero damages for future pain and suffering was not disturbed.

The court’s decision indicated that plaintiff sustained a broken nose and orbital fractures. Here are the injury details:

  • traumatic nasal deformity – significant deviation of one side of bony dorsum with valve collapse
  • facial lacerations requiring stitches
  • open rhinoplasty (reconstructive nasal surgery) with osteotomy, dorsal spreader graft and alar rim graft

No doctors testified for either side; instead, the parties agreed that there would be no need for medical testimony. Records from the emergency room on the date of the incident and from the hospital where plaintiff underwent surgery five months later were accepted as trial exhibits.

Plaintiff testified that for two weeks after the incident he could not see out of one eye, had difficulty breathing and lost his sense of smell. He claimed at trial that his major remaining complaint was that he still had no sense of smell (except for brief intervals, about one day a month).

Inside Information:
  • There is no mention of any orbital fracture in the medical records.
  • When the police entered plaintiff’as apartment, he did indeed have guns – an AK-47 assault rifle in his bed and a loaded Glock 9 MM handgun on his nightstand. While there was no claim that plaintiff grabbed either weapon, the police claimed they used the shield to pin the plaintiff against a wall because he stood up, was moving around and disobeyed their commands to lay down on the floor,
  • Plaintiff’s pre-trial settlement demand was $25,000. In his summation, plaintiff’s attorney asked for $850,000. After the verdict, he asked for an award of $250,000.
If you have been involved in any kind of accident – call Attorney Neil Redmond on his Mobile Phone 646-285-7115 for a free consultation.

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