Do I have a case? Should I even bother?


By Jeremy   Follow   Fri, 30 Nov 2012, 4:36pm   1,071 views   16 comments
In Valencia CA 91354   Watch (1)   Share   Quote   Permalink   Like   Dislike  

What's up PatNet bloggers?
I'm looking for some non-partisan advice.

My 9 year old daughter suffered a broken arm due to a slip and fall accident at a shoe store, while we were on vacation in WA state (we live in CA).
I have decent health insurance. So the only costs I incurred were a bunch of co-pays on the ER and Rx's, and multiple dr. followups. Transportation costs for the above (her orthopedist was about 45 miles away). At the most, maybe a couple hundred bucks.
So anyway, in my view, the store was responsible for the accident. The store had a very flawed setup, but then again, shit happens. My daughter had to deal with a lot, but she's a kid, and she's basically back to 100% now.
Right after the accident I had put in a claim with their insurance co. (Nationwide) They said based on what happened, they aren't responsible, and they don't have a "no fault policy". So the adjuster said "claim denied. The end".

So here are my questions,

Should I bother getting a personal injury attorney and suing them?

Other than getting reimbursed a couple hundred bucks, is it worth it at all?

Is pain and suffering worth anything in a 9 yr old? I mean could she conceivably be compensated enough to make a decent college fund for her?

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  1. Peter P


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    1   4:41pm Fri 30 Nov 2012   Share   Quote   Permalink   Like   Dislike   Protected  

    Talk to a reputable lawyer and perhaps she can offer some insight.

    NOT LEGAL ADVICE

  2. Patrick


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    2   4:45pm Fri 30 Nov 2012   Share   Quote   Permalink   Like   Dislike   Protected  

    If it were me, I'd just ask the store to pay for your actual costs to call it even.

    Kids fall, shit happens, and they'll probably gladly pay your actual costs in exchange for having you drop it.

  3. Peter P


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    3   4:46pm Fri 30 Nov 2012   Share   Quote   Permalink   Like   Dislike   Protected  

    This is yet another reason why we need universal healthcare.

  4. Patrick


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    4   4:52pm Fri 30 Nov 2012   Share   Quote   Permalink   Like   Dislike   Protected  

    I agree, but I'd say we need universal health insurance. Meaning that doctors and hospitals etc should probably remain mostly private, but everyone should have a government insurance option that covers standard stuff.

  5. Jeremy


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    5   4:53pm Fri 30 Nov 2012   Share   Quote   Permalink   Like   Dislike  

    Patrick says

    If it were me, I'd just ask the store to pay for your actual costs to call it even.

    Kids fall, shit happens, and they'll probably gladly pay your actual costs in exchange for having you drop it.

    That's a nice idea that a reasonable "person" would probably agree to, but I'm dealing with a different kind of "person" a Large Corporation.

  6. Peter P


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    6   4:56pm Fri 30 Nov 2012   Share   Quote   Permalink   Like (1)   Dislike   Protected  

    Patrick says

    I agree, but I'd say we need universal health insurance. Meaning that doctors and hospitals etc should probably remain mostly private, but everyone should have a government insurance option that covers standard stuff.

    That is something I am fearful of. The industry will simply invent more and more things to charge the taxpayers and their lobbyists will make sure that accountability is kept to a minimum.

    I rather have government-run healthcare facilities in addition to private clinics and hospitals.

  7. Peter P


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    7   4:59pm Fri 30 Nov 2012   Share   Quote   Permalink   Like   Dislike   Protected  

    Jeremy says

    That's a nice idea that a reasonable "person" would probably agree to, but I'm dealing with a different kind of "person" a Large Corporation.

    Many companies are quite reasonable if they think you are reasonable. Especially if they believe doing so can avert a lawsuit.

    Large companies can afford to fight lawsuits and they can also afford to settle. However corporations do not make decisions. People do. I am talking about people who can get fired.

    However, it can be tricky negotiating with them. It is a strategically difficult situation. You do want a lawyer to protect your rights. But doing so will get the other side to put up their defenses.

    NOT LEGAL ADVICE

  8. ducsingle5313


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    8   5:58pm Fri 30 Nov 2012   Share   Quote   Permalink   Like   Dislike  

    You need to sit down and make a list of how you were inconvenienced:

    *out of pocket medical co-payments
    *mileage costs
    *your time to deal with the medical issues
    *your kid's pain/suffering
    *etc.

    Questions you should be asking:

    Is the shoe store a chain? Do they have a business presence in California? If yes and yes, can you sue them close to home?

    What's reasonable compensation for your family being incovenienced? You need a number.

    Insurance adjusters will always start out by completely denying the claim if there's a sliver of an argument that their policyholder is not at fault. They are just hoping you will get discouraged and go away.

    Call the adjuster and tell them that if they are unwilling to pay you a reasonable amount for the damage that resulted from their policyholder's negligence, that there are numerous personal injury attorneys who are anxious to represent you - - - and that the personal injury attorneys won't be nearly as reasonable as you are being. You should also mention that you believe the insurance company is operating in *bad faith* by denying the claim.

    It's a stupid game the insurance companies bring on themselves. If you have a good argument that the store was negligent, the insurance company would never take the risk of litigating because a jury would be very sympathetic towards a 9 year old with a broken arm asking for $3k in damages. And juries get pissed off when it's pretty clear that the policyholder is at fault and the insurance company has tried to screw around with the injured party by denying the claim or lowballing.

  9. zzyzzx


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    9   6:56pm Fri 30 Nov 2012   Share   Quote   Permalink   Like (1)   Dislike  

    It's probably your kids fault.

  10. Jeremy


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    10   7:04pm Fri 30 Nov 2012   Share   Quote   Permalink   Like   Dislike  

    robertoaribas says

    you haven't really mentioned what the flawed setup is...

    I know, roberto, and that was on purpose. I think any reasonable person with an objective opinion would agree with me. It wasn't extreme negligence or anything, just a bad set up.
    It was a shoe store with carpeted aisles. There was only one bench nearby. That bench sat on a small semicircle (roughly 8' x 4') of rather slippery tile. Most businesses are "no shirt, no shoes, no service" but it's a shoe store. She had one shoe on, and one sock on. She went to show her grandpa the shoe. He just sat down on the bench at the end of the aisle. She picked up the foot with the shoe on it so he could see it. She basically was putting her foot in his lap. The socked foot came right out from under her. She tried to reach back to break her fall and both bones in her forearm snapped like a twig.

    I would suggest that tile doesn't belong anywhere in that store, but especially not in an area where kids are trying on shoes. Tile in the main entry way/ walk way is one thing. If the bench had been on the carpet area, One: the socked foot wouldn't have slipped, as the carpet had sufficient friction. Two: a fall on a carpeted area would likely have enough shock absorption to protect from major bone injuries.

  11. yup1


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    11   11:12am Sat 1 Dec 2012   Share   Quote   Permalink   Like (1)   Dislike  

    I would not want the heartache, for a few thousand bucks.

  12. APOCALYPSEFUCKisShostikovitch


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    12   11:36am Sat 1 Dec 2012   Share   Quote   Permalink   Like (3)   Dislike  

    Teach the kid to wail and send recordings to their lawyers.

  13. ducsingle5313


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    13   3:45pm Sat 1 Dec 2012   Share   Quote   Permalink   Like   Dislike  

    I would recommend visiting several shoe stores to determine the industry standard for carpet vs. hard surface flooring. If all of the stores have wall to wall carpet, that's a good indication that hard surface flooring doesn't belong in a shoe store where folks are walking around in socks. If a few of the stores have a mix or all hard surface flooring, then you might be SOL.

    I personally wouldn't consider that setup to be negligent. Plenty of homes have a mix of carpet and hard surfaces, and people walk around in their socks at home all the time.

  14. zzyzzx


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    14   3:46pm Sat 1 Dec 2012   Share   Quote   Permalink   Like   Dislike  

    Plenty, probably most or almost all shoe stores have floors that are not carpeted.

  15. rufita11


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    15   4:03pm Sat 1 Dec 2012   Share   Quote   Permalink   Like (1)   Dislike  

    I bought some cheapo nylon socks and slip a lot in them--even on carpet.

    I think teaching a kid how to fall with minimum injury is just as important as teaching them how to swim. Judo is just one discipline that teaches this skill.

  16. elliemae


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    16   8:21pm Sat 1 Dec 2012   Share   Quote   Permalink   Like   Dislike   Protected  

    I would talk to an attorney, rather than to rely upon our opinions.

    My daughter got stuck in a store bathroom when she was 6 years old, poor little kid. The design of the door lock was such that she could trigger the lock but was too short to unlock it. The bathroom was private, meaning no stall door to crawl under.

    The store management wasn't thrilled when my husband threatened to call 911 if they didn't allow him to take the door from the hinges - he described the joy of having a bunch of firemen using their axe on the door and they saw it his way.

    They also promised to get the door fixed and gave him a free putter (golf store). It was a very nice putter.

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