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Am I Liable If My Dog Bit Someone in Public in Ohio?

Mon, 17 Feb 2025 21:35:18 GMT

Am I Liable If My Dog Bit Someone in Public in Ohio?

Dog bites can lead to serious injuries, and in Ohio, pet owners must understand their legal responsibilities if their dog injures someone. If your dog bites someone in a public place, you may be held legally liable under Ohio’s strict liability laws. At Rubin and Zyndorf, we provide legal assistance to the Toledo public and help dog owners navigate potential liability issues.

Ohio’s Strict Liability Dog Bite Law

Ohio follows a strict liability rule when it comes to dog bites. According to Ohio Revised Code § 955.28(B), a dog owner, keeper, or harborer is liable for injuries caused by their dog regardless of prior behavior—even if the dog has never bitten anyone before. This means that a dog owner does not need to be aware of prior aggression for liability to apply.

Exceptions to Liability

While Ohio’s law generally holds dog owners responsible for bites, there are certain exceptions. A dog owner may not be liable if:

The victim was trespassing at the time of the bite.

The victim was committing a crime on the dog owner’s property.

The victim provoked the dog, such as by hitting or teasing it.

If any of these circumstances apply, the owner may be able to defend against a liability claim.

Potential Legal Consequences

If a dog bite victim successfully proves liability, the dog owner may be responsible for compensating them for:

Medical expenses
Lost wages
Pain and suffering
Emotional distress

Additionally, if the dog is deemed dangerous due to prior incidents, the owner may face restrictions, such as increased insurance requirements, mandatory leashing and muzzling, or even removal of the dog from the home.

What Should You Do If Your Dog Bites Someone?

If your dog bites someone in public, taking the right steps can help protect your rights:

Stay calm and check on the injured person – Offer medical assistance if necessary.
Exchange information – Provide your contact details and proof of your dog’s vaccination records.
Report the incident – In Ohio, dog bites must be reported to local health authorities.
Document everything – Take photos, get witness statements, and note the circumstances of the bite.
Consult an attorney – An experienced attorney can help assess your legal options and defend against any claims.

At Rubin and Zyndorf, we help Toledo dog owners understand their legal responsibilities and protect their rights in dog bite cases. If your dog has bitten someone in public, contact us today to discuss your situation and explore your legal options.

How Is Liability Determined in an Ohio Pedestrian Accident Case?

Mon, 17 Feb 2025 21:31:20 GMT

How Is Liability Determined in an Ohio Pedestrian Accident Case?

Pedestrian accidents can lead to severe injuries, leaving victims facing extensive medical bills and other financial burdens. Understanding how liability is determined in an Ohio pedestrian accident case is essential for those seeking compensation. At Rubin and Zyndorf, we are committed to helping the Toledo community navigate the legal process and hold negligent parties accountable.

Ohio’s Comparative Negligence Law

Ohio follows a comparative negligence rule, meaning that liability is assigned based on each party's level of fault. Under Ohio Revised Code § 2315.33, a pedestrian can still recover damages as long as they are less than 50% at fault for the accident. However, the compensation awarded is reduced based on their percentage of fault. For example, if a pedestrian is found to be 20% responsible for the accident, their total compensation would be reduced by 20%.

Determining Fault in a Pedestrian Accident

Several factors are considered when determining fault in an Ohio pedestrian accident, including:

Driver Negligence – A driver may be liable if they were speeding, distracted, intoxicated, or ran a red light.
Pedestrian Negligence – If a pedestrian jaywalked, ignored traffic signals, or crossed outside of a designated crosswalk, they may share responsibility.
Traffic Laws and Right-of-Way – Ohio law requires drivers to yield to pedestrians in crosswalks, but pedestrians must also follow traffic signals and laws.
Road Conditions and Visibility – Poor lighting, obstructed views, or hazardous road conditions may contribute to accidents and influence liability determinations.
Eyewitness and Video Evidence – Testimony from bystanders, traffic camera footage, and surveillance videos can help establish fault.

What To Do After a Pedestrian Accident

If you or a loved one has been injured in a pedestrian accident, taking the right steps can protect your rights:

Seek immediate medical attention.
Report the accident to law enforcement.
Gather evidence, including photos, videos, and witness information.
Avoid discussing fault with insurance adjusters.
Consult with an experienced personal injury attorney.

At Rubin and Zyndorf, we advocate for pedestrian accident victims in Toledo, ensuring they receive the compensation they deserve. Our legal team will investigate the circumstances of your accident, negotiate with insurance companies, and fight for your best interests in court if necessary.

If you have been injured in a pedestrian accident, don’t wait to seek legal guidance. Contact us today to schedule a consultation and learn about your legal options.

How Long Does Probate Take in Ohio?

Mon, 02 Dec 2024 21:37:29 GMT

How Long Does Probate Take in Ohio?

Probate is the legal process of settling a deceased person’s estate, including distributing assets to heirs and paying off debts. In Ohio, the probate process can vary depending on the complexity of the estate and any potential disputes. At Rubin and Zyndorf, we provide legal assistance to the Ohio public, helping families navigate this often-complex process efficiently.

Typical Probate Timeline in Ohio

The average probate process in Ohio takes 6 to 12 months, though more complex cases can extend beyond a year. Key stages include:

Filing and Appointment of Executor (1 to 2 months): The process begins with filing a probate petition in the county where the deceased lived.

Inventory and Appraisal (2 to 4 months): The executor identifies and appraises the estate’s assets.

Creditor Claims (6 months): Creditors have up to 6 months from the date of death to file claims.

Distribution and Closing (2 to 4 months): Once debts are paid, assets can be distributed, and the estate closed with court approval.

Factors That Affect the Timeline

Estate Complexity: Estates with multiple properties or businesses may take longer.

Disputes: Will contests or beneficiary disagreements can significantly delay the process.

Documentation: Missing or inaccurate paperwork can lead to delays.

How Rubin and Zyndorf Can Help

At Rubin and Zyndorf, we guide Ohio families through every step of probate, ensuring that the process runs smoothly and efficiently. Whether you’re dealing with a straightforward estate or a complex dispute, we’re here to provide the legal support you need.

What is the Statute of Limitations for a Workers’ Compensation Claim in Ohio?

Wed, 30 Oct 2024 21:39:14 GMT

What is the Statute of Limitations for a Workers’ Compensation Claim in Ohio?

If you’ve suffered an injury or illness on the job in Ohio, it’s crucial to understand the statute of limitations for filing a workers’ compensation claim. Missing these deadlines can mean losing access to the benefits you’re entitled to, including medical expenses and lost wages. At Rubin and Zyndorf, we help Toledo residents navigate workers’ compensation claims and ensure they meet all filing requirements.

Ohio’s Statute of Limitations for Workers’ Compensation Claims

In Ohio, the statute of limitations for filing a workers’ compensation claim generally requires:

Injury Claims: One year from the date of the injury to file a claim with the Ohio Bureau of Workers' Compensation.
Occupational Disease Claims: Two years from the date of diagnosis for illnesses developed due to workplace conditions.

Why Acting Quickly is Important

While these deadlines are in place, filing as soon as possible ensures a smoother claims process. Delays in reporting can complicate your case, making it harder to gather evidence and secure benefits.

If you’ve been injured or become ill due to your job, don’t wait. Contact Rubin and Zyndorf today for assistance with your workers’ compensation claim, so you can focus on recovery with peace of mind.

What to Do If You've Been in an Animal Attack in Ohio

Wed, 28 Aug 2024 21:45:18 GMT

Animal attacks can be traumatizing and leave victims with physical, emotional, and financial burdens. In Ohio, if you have been involved in an animal attack, it's important to seek legal help to understand your rights and options for seeking compensation. Attorneys Rubin and Zyndorf specialize in representing victims of animal attacks in Ohio and are dedicated to helping clients navigate the legal process.

Animal attacks can happen unexpectedly and can cause serious injuries or even fatalities. Whether you have been attacked by a dog, cat, or other domestic or wild animal, it's crucial to seek medical attention immediately. Once you have received proper medical care, the next step is to consult with an experienced attorney who can help you understand your legal rights. Attorneys Rubin and Zyndorf have years of experience representing victims of animal attacks in Ohio and can provide the guidance and support you need during this difficult time.

In Ohio, there are specific laws that govern liability for animal attacks. Owners of animals are responsible for ensuring that their pets do not harm others, whether on public or private property. If an owner fails to take proper precautions to prevent their animal from attacking someone, they may be held liable for any resulting injuries or damages. Attorneys Rubin and Zyndorf are well-versed in Ohio's laws regarding animal attacks and can help you build a strong case against the negligent party.

When working with Attorneys Rubin and Zyndorf, you can expect personalized attention and dedicated advocacy throughout your case. They will thoroughly investigate the circumstances surrounding the animal attack, gather evidence to support your claim, and negotiate with insurance companies on your behalf. Their goal is to secure fair compensation for your medical expenses, lost wages, pain and suffering, and other damages resulting from the attack.

If you have been involved in an animal attack in Ohio, don't hesitate to reach out to Attorneys Rubin and Zyndorf for experienced legal representation. They understand the physical, emotional, and financial toll that a traumatic event like an animal attack can take on a victim and are committed to helping you seek justice. Contact them today for a free consultation to discuss your case and learn more about how they can assist you in pursuing compensation for your injuries.

How a Motorcycle Accident Attorney Can Help You in Ohio

Fri, 19 Jul 2024 21:49:27 GMT

Motorcycle accidents are often devastating, leading to severe injuries, substantial medical bills, and emotional trauma. Navigating the aftermath of such an accident can be overwhelming, particularly when dealing with insurance companies and legal complexities. At Rubin & Zyndorf, we specialize in representing motorcycle accident victims in Ohio, ensuring they receive the compensation and support they need. Here’s how a motorcycle accident attorney can help you.

1. Understanding Ohio Motorcycle Accident Laws

Ohio’s motorcycle accident laws can be complex and challenging to navigate without professional assistance. An experienced motorcycle accident attorney understands these laws and can provide valuable insights into how they apply to your case. They can help you understand your rights, the statute of limitations for filing a claim, and the legal requirements for proving negligence.

2. Investigating the Accident

A thorough investigation is crucial to building a strong case. An attorney can conduct an in-depth investigation into the accident, gathering evidence such as police reports, witness statements, medical records, and accident scene photos. They can also work with accident reconstruction experts to determine the cause of the accident and establish liability.

3. Proving Negligence

To secure compensation, you must prove that another party’s negligence caused the accident and your injuries. An attorney can help you establish negligence by demonstrating that the other party failed to exercise reasonable care, such as by speeding, driving under the influence, or violating traffic laws. They can gather and present evidence to support your claim, ensuring that you have a strong case.

4. Calculating Damages

Motorcycle accidents often result in significant financial losses, including medical expenses, lost wages, property damage, and pain and suffering. An attorney can accurately calculate the full extent of your damages, ensuring that you seek adequate compensation. They can also consider future medical needs and long-term impacts on your quality of life when determining the value of your claim.

5. Negotiating with Insurance Companies

Dealing with insurance companies can be one of the most challenging aspects of a motorcycle accident claim. Insurance adjusters often aim to minimize payouts, which can result in unfair settlements. An attorney can handle all communications with the insurance company, negotiate on your behalf, and ensure that you receive a fair settlement that covers all your expenses and losses.

6. Representing You in Court

If a fair settlement cannot be reached through negotiations, your case may need to go to court. An experienced motorcycle accident attorney can represent you in court, presenting your case effectively and advocating for your rights. They can cross-examine witnesses, present evidence, and argue on your behalf to secure the best possible outcome.

7. Providing Emotional Support

Dealing with the aftermath of a motorcycle accident can be emotionally draining. An attorney can provide not only legal support but also emotional support, helping you navigate this challenging time with confidence and peace of mind. Knowing that a professional is handling your case allows you to focus on your recovery and well-being.

8. Protecting Your Rights

Throughout the legal process, it is essential to ensure that your rights are protected. An attorney can provide guidance on how to handle interactions with law enforcement, insurance companies, and medical providers. They can also prevent any attempts by the other party to take advantage of your situation.

Benefits of Hiring a Motorcycle Accident Attorney

Hiring a motorcycle accident attorney offers several advantages:

Expert Legal Knowledge: An attorney with experience in motorcycle accident cases understands the intricacies of the law and can provide expert advice tailored to your situation.
Thorough Case Management: An attorney can handle all aspects of your case, from investigating the accident to negotiating with insurance companies and representing you in court.
Effective Negotiation: An attorney can negotiate with the insurance company on your behalf, ensuring that you receive a fair settlement.
Peace of Mind: Knowing that a professional is handling your case allows you to focus on your recovery, confident that your legal matters are being addressed.

At Rubin & Zyndorf, we are dedicated to providing compassionate and effective legal representation for motorcycle accident victims in Ohio. Our team of experienced attorneys will work tirelessly to protect your rights and achieve the best possible outcome for your case.

When to Hire a Workers’ Compensation Attorney in Ohio

Tue, 25 Jun 2024 21:55:17 GMT

Suffering a workplace injury or illness can be a life-altering experience, affecting your ability to work and your overall quality of life. Workers’ compensation is designed to provide financial support and medical benefits to employees who are injured or become ill due to their job. However, navigating the workers’ compensation process can be complex and overwhelming. At Rubin & Zyndorf, we specialize in assisting clients in Ohio with their workers’ compensation claims, ensuring they receive the benefits they are entitled to. Here are the key situations when hiring a workers’ compensation attorney becomes crucial.

1. When Your Claim Is Denied

If your workers’ compensation claim has been denied, it’s essential to seek legal assistance immediately. An experienced attorney can review your case, identify the reasons for denial, and help you file an appeal. They can gather additional evidence, consult with medical experts, and represent you during hearings to strengthen your case and improve your chances of a successful outcome.

2. When You Face Retaliation

Employers are prohibited from retaliating against employees who file workers’ compensation claims. Retaliation can include termination, demotion, reduction in hours, or other adverse actions. If you believe you are facing retaliation for filing a claim, an attorney can help protect your rights and take legal action against your employer if necessary.

3. When You Have a Pre-Existing Condition

Pre-existing conditions can complicate workers’ compensation claims. Employers and insurance companies may argue that your injury or illness is related to your pre-existing condition rather than a workplace incident. An attorney can help gather medical evidence to demonstrate how your work environment exacerbated or contributed to your condition, ensuring you receive the benefits you deserve.

4. When Your Benefits Are Insufficient

Sometimes, the benefits awarded in a workers’ compensation claim may not cover all your medical expenses, lost wages, or rehabilitation costs. An attorney can review your case and help you seek additional benefits or appeal the decision to ensure you receive adequate compensation for your injuries or illness.

5. When You Experience Delays in Receiving Benefits

Delays in receiving workers’ compensation benefits can create financial strain and hinder your recovery. If you are experiencing unnecessary delays, an attorney can expedite the process by addressing issues with your employer or the insurance company, ensuring timely payment of your benefits.

6. When Your Ability to Work Is Affected

If your injury or illness affects your ability to return to work, either temporarily or permanently, you may be entitled to additional benefits, such as vocational rehabilitation or permanent disability benefits. An attorney can help you navigate these complex claims and ensure you receive the appropriate compensation for your reduced earning capacity.

7. When Your Claim Involves Third-Party Liability

In some cases, a workplace injury may involve third-party liability, such as a defective product or negligent contractor. An attorney can help you pursue a third-party claim in addition to your workers’ compensation claim, maximizing your compensation and holding all responsible parties accountable.

Benefits of Hiring a Workers’ Compensation Attorney

Hiring a workers’ compensation attorney offers several advantages:

Expert Legal Guidance: An attorney with experience in workers’ compensation law understands the complexities of the process and can provide expert advice tailored to your situation.
Thorough Case Management: An attorney can handle all aspects of your claim, from filing paperwork to representing you in hearings, ensuring your case is managed efficiently and effectively.
Strong Advocacy: An attorney can advocate on your behalf, negotiating with employers and insurance companies to secure the best possible outcome for your claim.
Peace of Mind: Knowing that a professional is handling your case allows you to focus on your recovery and well-being, confident that your rights are being protected.

At Rubin & Zyndorf, we are dedicated to providing compassionate and effective legal representation for workers’ compensation claims in Ohio. Our team of experienced attorneys will work tirelessly to ensure you receive the benefits you deserve.

Wrongful Death Claims in Ohio

Thu, 30 May 2024 21:57:59 GMT

Losing a loved one is an incredibly painful experience, made even more difficult when the death is due to someone else’s negligence or wrongful actions. In such cases, Ohio law allows surviving family members to seek justice through a wrongful death claim. At Rubin & Zyndorf, we are dedicated to helping families navigate this complex legal process with compassion and expertise.

What Constitutes a Wrongful Death in Ohio?

A wrongful death occurs when a person dies as a result of another party’s negligent, reckless, or intentional actions. Common situations leading to wrongful death claims include:

Automobile Accidents: Fatal car crashes caused by reckless driving, DUI, or failure to follow traffic laws.
Medical Malpractice: Death resulting from a healthcare provider’s negligence, such as misdiagnosis, surgical errors, or medication mistakes.
Workplace Accidents: Fatal injuries occurring on the job due to unsafe working conditions, inadequate training, or equipment failures.
Defective Products: Deaths caused by dangerous or defective products, including faulty machinery, toxic substances, or unsafe medications.
Criminal Acts: Homicide or other intentional acts of violence resulting in death.

Who Can File a Wrongful Death Claim in Ohio?

In Ohio, the personal representative of the deceased’s estate is responsible for filing a wrongful death claim. This representative is usually named in the deceased’s will or appointed by the court. The claim is filed on behalf of the surviving family members, who may include:

Spouse
Children
Parents
Other dependent relatives

What Compensation is Available in a Wrongful Death Claim?

Wrongful death claims seek to compensate surviving family members for both economic and non-economic losses. Potential compensation may include:

Funeral and Burial Expenses: Costs associated with laying the deceased to rest.
Medical Expenses: Bills for medical treatment received before the deceased’s passing.
Lost Income: Compensation for the financial support the deceased would have provided to their family.
Loss of Services: The value of household services the deceased performed, such as childcare and home maintenance.
Loss of Companionship: Compensation for the emotional pain and suffering caused by the loss of a loved one.
Punitive Damages: In cases of gross negligence or intentional misconduct, the court may award punitive damages to punish the wrongdoer and deter similar actions in the future.

How Rubin & Zyndorf Can Help

At Rubin & Zyndorf, we understand the profound impact a wrongful death can have on a family. Our experienced legal team is here to provide the support and guidance you need during this difficult time. Our approach includes:

Comprehensive Case Evaluation: We thoroughly investigate the circumstances surrounding the death to build a strong case.
Expert Consultation: We work with medical professionals, accident reconstructionists, and other experts to gather critical evidence.
Compassionate Representation: We are committed to providing empathetic and respectful legal services, keeping you informed and involved throughout the process.
Aggressive Advocacy: We fight tirelessly to secure the maximum compensation for your family, whether through settlement negotiations or trial.

Filing a wrongful death claim can be a complex and emotionally taxing process. At Rubin & Zyndorf, we are dedicated to helping families in Ohio seek justice and obtain the compensation they deserve. If you have lost a loved one due to someone else’s negligence or wrongful actions, contact us today for a free consultation. Let us help you navigate this challenging journey and work towards a better future for your family.

Navigating Probate in Ohio: Understanding the Timeline

Fri, 03 May 2024 22:00:15 GMT

Navigating Probate in Ohio: Understanding the Timeline

Probate can be a complex and time-consuming process, especially for those who are unfamiliar with the legal system. If you're located in Ohio and find yourself facing probate proceedings, you may be wondering just how long the process will take. In this blog post, we'll explore the timeline of probate in Ohio, why it might take a few months, and how the team at Rubin and Zyndorf can assist Toledo residents with their probate matters.

The duration of probate proceedings can vary depending on a variety of factors. In Ohio, the average length of time for probate to be completed is typically between six months to a year. However, certain circumstances can cause the process to extend beyond that timeframe. For example, if there are disputes among beneficiaries or creditors contesting claims against the estate, this can significantly delay proceedings.

Additionally, one of the main reasons why probate might take a few months is due to the required waiting periods. In Ohio, there is a statutory waiting period of six months before an estate can be closed. This waiting period allows creditors to come forward with any claims they may have against the estate and provides time for any potential disputes to be resolved.

Furthermore, if there are complex assets within the estate such as real estate properties or business interests, this can also contribute to delays in the probate process. Valuing these assets accurately and ensuring they are properly distributed according to the decedent's wishes can take time and careful consideration.

At Rubin and Zyndorf, our team has extensive experience navigating probate proceedings in Ohio. We understand that dealing with legal matters following a loved one's passing can be overwhelming and emotional. Our compassionate attorneys are here to guide you through every step of the probate process, ensuring that your loved one's final wishes are carried out efficiently and effectively.

In addition to providing legal guidance during probate proceedings, our team at Rubin and Zyndorf can assist Toledo residents with other estate planning matters such as drafting wills and trusts. By having a comprehensive estate plan in place, you can help streamline the probate process for your loved ones after you're gone.

Navigating probate in Ohio can be a lengthy process, but with the right legal assistance from Rubin and Zyndorf, Toledo residents can ensure that their loved ones' estates are handled with care and efficiency. By understanding the timeline of probate proceedings and being prepared for potential delays, individuals can better navigate this complex legal process. Don't hesitate to reach out to our experienced team for guidance on all aspects of probate and estate planning – we're here to help every step of the way.

Workers Compensation Claims

Mon, 01 Apr 2024 22:01:59 GMT

If you have been injured at work in Ohio, dealing with a workers compensation claim can be overwhelming. From navigating complex legal processes to ensuring you receive fair compensation for your injuries, having a workers compensation attorney by your side can make all the difference. In this blog post, we will explore the role of a workers compensation attorney and how they can help you through this challenging time.

A workers compensation attorney specializes in helping individuals who have been injured on the job navigate the often confusing and complex world of workers compensation claims. They can help you understand your rights under Ohio's workers compensation laws, guide you through the claims process, and ensure that you receive the maximum benefits available to you. Whether you are facing difficulties with your employer or their insurance company, a workers compensation attorney will advocate on your behalf to ensure that your rights are protected.

In addition to helping you navigate the claims process, a workers compensation attorney can also assist with appealing denied claims. Unfortunately, not all claims are approved initially, and many injured employees face denials from their employer or their insurance company. A skilled attorney will review your case, gather evidence to support your claim, and represent you in front of the Ohio Industrial Commission or Appeals Board to fight for the benefits you deserve.

Furthermore, a workers compensation attorney can help ensure that you receive fair and adequate compensation for your injuries. They will work with medical professionals to assess the extent of your injuries and calculate the full cost of your medical treatment, lost wages, and any disability benefits to which you may be entitled. By having an experienced attorney on your side, you can rest assured that your best interests are being represented throughout the entire process.

Additionally, a workers compensation attorney can provide valuable guidance on returning to work after an injury. They can help negotiate accommodations with your employer if needed or assist in securing vocational rehabilitation services if you are unable to return to your previous position due to permanent disabilities. Having an advocate who understands both legal requirements and practical considerations can make all the difference in ensuring a smooth transition back into the workforce.

Dealing with a workers compensation claim can be daunting, but having a knowledgeable and experienced workers compensation attorney by your side can make all the difference. From navigating legal complexities to fighting for fair compensation for your injuries, an attorney will ensure that your rights are protected every step of the way. If you have been injured at work in Ohio, don't hesitate to seek out legal representation from a workers compensation attorney who will advocate tirelessly on your behalf.

A Comprehensive Guide on Filing Workers' Compensation Claims in Ohio

Tue, 20 Feb 2024 22:04:45 GMT

A Comprehensive Guide on Filing Workers' Compensation Claims in Ohio

Getting injured at work can be devastating. It can leave you with physical and financial burdens that could affect your quality of life. Fortunately, workers' compensation exists to help employees who get injured at work. In Ohio, the process of filing a workers' compensation claim can seem overwhelming, but it doesn't have to be. In this blog post, we'll discuss how you can file a claim personally and how an attorney can help.

How to File Personally:

Filing a workers' compensation claim in Ohio is not as complicated as it may seem. Here are the steps you need to follow:

Report the injury to your employer: Notify your employer of the injury within 24 hours of its occurrence or discovery.
Seek medical attention: Visit a healthcare provider approved by the Ohio Bureau of Workers' Compensation (BWC). Inform them that it's a workers' compensation case.
Fill out Form First Report of Injury (FROI): This form is available on the BWC website or from your employer's human resources office.
Submit the FROI: Send the completed FROI via mail or online through BWC's website.
Wait for approval: If your claim is approved, you will receive benefits such as medical treatment and wage loss compensation.

How an Attorney Can Help:

While filing a claim personally is possible, having an experienced workers' compensation attorney by your side can make all the difference in ensuring you receive maximum benefits for your injuries. Here are some ways that an attorney can assist you:

Knowledgeable about laws and regulations: An attorney has extensive knowledge about Ohio's workers' compensation laws and regulations and knows what it takes to win cases.
Gather evidence: Attorneys know what evidence is needed to support your case effectively.
Represent you during hearings and appeals: If your claim is denied, an attorney can represent you during hearings and appeals to fight for your rights.
Help with negotiations: Attorneys can negotiate on your behalf to ensure that you receive the maximum benefit available.

At Rubin and Zyndorf, we can assist Ohio residents with workers' compensation matters. Our attorneys have experience in representing injured workers from a wide range of industries. We will work tirelessly to ensure that you receive the benefits you are entitled to.

Filing a workers' compensation claim in Ohio may seem daunting, but it's important to remember that you have options and support available. Whether you choose to file personally or enlist the help of an attorney, it's crucial that you take action immediately after an injury occurs. At Rubin and Zyndorf, we understand how complex this process can be, which is why we're here to help Ohio residents navigate through it all. Contact us today for a consultation.

Legal Assistance for Ohio Victims of Car Accidents Involving Rideshare Apps

Sat, 20 Jan 2024 22:06:54 GMT

Legal Assistance for Ohio Victims of Car Accidents Involving Rideshare Apps

Rideshare services like Uber and Lyft have made our lives easier and smoother. We often rely on these services for various reasons, be it for a ride home after a night out or for a quick commute to work. However, accidents can happen, and it can be devastating if you are a passenger in an Uber or Lyft ride in Ohio and get into an accident. In such cases, you may be wondering about your legal rights and whether you are entitled to compensation.

Whom can I sue if an Uber driver in Ohio hits me?

If you are a passenger in an Uber ride and are involved in an accident, you may be entitled to compensation. However, determining who to sue in such cases can be complicated. If the Uber driver was at fault, you may sue the driver directly. In some instances, you may also be able to sue Uber if the driver was an Uber employee. Uber also provides insurance coverage for accidents involving its rideshare services. It is important to consult with an experienced attorney who can guide you through the legal process.

Am I entitled to compensation if my Uber or Lyft driver was in an accident?

Yes, you are entitled to compensation if you are injured in a car accident involving Uber or Lyft. Both companies have insurance policies that cover damages and injuries that result from accidents caused by their drivers. The amount of compensation that you may be eligible for depends on the specific details of the accident and your injuries. This is where an experienced attorney can help you.

Can I sue Lyft if my driver gets into an accident?

Like Uber, Lyft is also liable for accidents involving their drivers. If one of their drivers causes an accident that results in your injury, you are entitled to compensation. Lyft also has an insurance policy in place that covers passengers and drivers in the event of an accident. Consulting with a legal representative can help determine the compensation you deserve.

How can Rubin and Zyndorf help me if I am a victim of a car accident involving rideshare apps?

At Rubin and Zyndorf, our experienced attorneys can evaluate your case and guide you through the legal process. We will work with you to gather evidence, assess damages and injuries, and pursue compensation from the responsible party. We understand the complexities of accidents involving Uber and Lyft and can provide you with expert legal representation.

In conclusion, getting into an accident involving rideshare services can be a scary and confusing experience. If you are a victim of a car accident involving Uber or Lyft in Ohio, you may be entitled to compensation. It is important to consult with an experienced attorney who can help you navigate through the legal process and ensure that you receive the compensation you deserve. At Rubin and Zyndorf, we are committed to providing legal assistance to Ohio residents who have been involved in an accident with rideshare services.

Navigating a Motorcycle Accident

Sat, 16 Dec 2023 22:09:08 GMT

Getting into a motorcycle accident can be a traumatic and overwhelming experience. From filing an insurance claim to seeking medical attention, the process can be complicated and tricky. It's crucial to know what to do after a motorcycle accident in Ohio to protect your legal rights and ensure you receive the compensation you deserve. In this post, we'll provide you with a step-by-step guide on what to do after a motorcycle accident.

1. Seek medical help

The first and most important step after getting into a motorcycle accident is to seek medical attention. Even if you feel fine, adrenaline can mask injuries that may become evident later on. Even seemingly minor injuries can develop into larger problems, leading to chronic pain or disabilities. Therefore, it's essential to visit an emergency room or doctor as soon as possible to document your injuries and receive adequate treatment.

2. Document the accident

After seeking medical help, the next step is to document the accident. Make sure to take photos of the accident scene, including the damaged vehicles and any other property damage. Photographs help provide evidence and establish fault in the case of a motorcycle accident. Collect information from any witnesses, including their contact information. Ask the police for a copy of the accident report.

3. Don't admit fault

It's crucial not to admit fault when getting into a motorcycle accident. This is because under Ohio law, you can still collect compensation for your injuries even if you were partially at fault. Discussing the accident with other drivers or admitting fault could hurt your claim. Therefore, to protect your legal rights, avoid making statements that could make you appear at fault.

4. Contact a personal injury lawyer

If you were injured in a motorcycle accident caused by the negligence of another driver, it's crucial to contact a personal injury lawyer experienced in motorcycle accidents. An experienced attorney can help you build a strong case to hold the at-fault party responsible for their actions and help you receive compensation for your damages.

5. File an insurance claim

Finally, filing an insurance claim is essential to receive compensation for your injuries and property damage after a motorcycle accident. You must file the claim as soon as possible after the accident, even if you are unsure of how severe the damages are. Insurance companies have specific deadlines for filing claims, and failure to comply can jeopardize your chances of receiving fair compensation.

In conclusion, knowing what to do after a motorcycle accident in Ohio is critical. Seeking medical attention, documenting the accident, not admitting fault, contacting a personal injury lawyer, and filing an insurance claim are all essential steps in protecting your legal rights and ensuring you receive the compensation you deserve. Remember, an experienced personal injury lawyer can help you navigate the legal process and maximize your chances of receiving fair compensation. Stay safe and be prepared.

Do You Sue the Truck Driver or Truck Company After a Crash?

Fri, 03 Nov 2023 22:11:04 GMT

Do You Sue the Truck Driver or Truck Company After a Crash?

Truck accidents are extremely serious and can result in severe injuries and even death. The aftermath of a truck crash can be a stressful and confusing time for victims and their families. Many people may wonder who is at fault and who is responsible for compensating the victims. In this blog post, we will discuss whether you should sue the truck driver or truck company after a crash, who is liable, and whether the trucking company will pay compensation. At Rubin and Zyndorf, we can provide legal assistance to victims of truck accidents in Ohio.

Who is liable for a truck accident?

Determining who is responsible for a truck accident can be complex and may require the help of a personal injury attorney. In many cases, the truck driver may be held liable for the accident if they were driving recklessly or violating traffic laws. However, in some cases, the trucking company may be responsible if they hired an inexperienced or unqualified driver, failed to properly maintain the vehicle, or forced the driver to meet unrealistic deadlines.

Should you sue the truck driver or truck company?

Whether you should sue the truck driver or trucking company will depend on the specific circumstances of your accident. If the truck driver was solely at fault for the accident, then you may want to file a lawsuit against them. However, if the trucking company was negligent in any way, then they may also be held responsible for your injuries. It is important to work with an experienced attorney who can help you determine who to sue and how to proceed with your case.

Will the trucking company pay compensation?

If the trucking company is found to be liable for your accident, then they may be required to pay compensation to the victims. This compensation may cover medical bills, lost wages, pain and suffering, and other damages. However, it is important to note that trucking companies and their insurance companies may try to offer a low settlement amount to victims in an attempt to save money. An experienced attorney can help negotiate a fair settlement on your behalf.

At Rubin and Zyndorf, we can provide legal assistance to victims of truck accidents in Ohio.

If you or a loved one has been injured in a truck accident, then you may be entitled to compensation. At Rubin and Zyndorf, our experienced personal injury attorneys can help you navigate the legal process and fight for your rights. We will work tirelessly to hold the responsible parties accountable and secure the compensation you deserve.

Truck accidents can be devastating and can result in serious injuries and even death. If you or someone you love has been injured in a truck accident, then you may be wondering who is at fault and who is responsible for compensating the victims. By working with an experienced personal injury attorney, you can determine whether to sue the truck driver or truck company, who is liable, and whether the trucking company will pay compensation. At Rubin and Zyndorf, we can provide legal assistance to victims of truck accidents in Ohio and fight for the compensation you deserve.

What to Do After a Slip-and-Fall Accident

Mon, 30 Oct 2023 22:13:07 GMT

Slip-and-fall accidents are unfortunate events that can happen to anyone at any time. These accidents can lead to injuries that range from minor to severe, and recovery can be a long and arduous process. If you have been the victim of a slip-and-fall accident, it is crucial to seek immediate medical attention and take action to protect your rights. In this comprehensive guide, we will outline the steps you should take immediately after a slip-and-fall accident to ensure you receive the care and compensation you deserve.

Step 1: Seek Medical Help

The first step after experiencing a slip-and-fall accident is to seek medical attention. Even if you feel fine or have minor injuries, seeking medical attention is essential. Some injuries may not be immediately apparent, and delaying treatment can cause further complications. Seek medical attention from a healthcare provider or ER. After receiving the medical report, make sure you keep a copy of it. This medical report can be vital if you decide to pursue a lawsuit or settlement later on.

Step 2: Collect Evidence

After getting medical attention, it's vital to gather as much evidence about your slip-and-fall accident as possible. Take pictures of the location of the accident, including any hazards or obstacles that may have contributed to your fall. If there were witnesses, make note of their names and contact details. Collecting evidence can help establish liability and demonstrate negligence on the part of the property owner.

Step 3: Fill Out an Accident Report

Report the accident to the appropriate authority. Filing an accident report can help establish a paper trail and create a record of the incident. Report the accident to the property owner, manager, or security personnel onsite at the place of the accident. Most other locations like grocery stores, malls or apartments have an incident report form to fill out, get that form filled, and keep a copy of it for future reference.

Step 4: Consult a Slip-and-Fall Attorney

Navigating the world of slip-and-fall accidents and personal injury claims can be overwhelming. Having a legal representative, you can trust throughout the process is beneficial when you decide to pursue a lawsuit or settlement. Slip-and-fall attorneys have the experience and knowledge needed to assess your case and determine your legal options. They can help you gather and review evidence, establish liability and negotiate a settlement or represent you throughout the litigation phase.

Step 5: Stay Patient and Diligent

Personal injury claims can take a considerable amount of time to be resolved. It is essential to stay patient and diligent throughout the process, from filing your claim to negotiating a settlement or representing your case in court. Your slip-and-fall attorney will help guide you through each step and keep you informed of your rights and options as the case progresses.

Slip-and-fall accidents can be painful, traumatic, and costly. However, with the help of an experienced slip-and-fall attorney and the right course of action, you can take to protect your rights and receive the compensation you deserve. Remember to seek medical attention immediately, collect evidence, report the incident, consult with an attorney, and stay patient and diligent throughout the process. These steps will give you a better chance of receiving compensation for your injuries and damages. If you're ever in a slip-and-fall accident, stay calm, and take the necessary steps to ensure you protect your rights and receive the care you need.

Rubin-Zyndorf and Associates

Fri, 19 May 2023 22:26:38 GMT

Whether you live in the Toledo area, or live Out of State, our office can help you maximize the financial compensation you are owed due to an injury. At Rubin-Zyndorf and Associates, we want to be your accident attorney because we are selective in our choice of cases and personal in our interaction with our clients. We have unique experience dealing with insurance companies in the Northwest Ohio area, and that means we can get you fair compensation for your injuries, damaged property and other expenses, unlike some other firms which have no knowledge of the local economy. We don’t seek to collect as many clients’ as possible, but rather, work on building a relationship with our clients through personal representation and relationship so that a mutually meaningful result can be achieved. We want to know you and your life, just as much as we want to secure a favorable outcome on your claim.

UNDERSTANDING INSURANCE COMPANIES

Rubin-Zyndorf has been working with insurance companies for over Fifty (50) years. Unlike other attorneys who are unfamiliar with the local economy, Rubin-Zyndorf can offer its clients a clear perspective on their case. We are very familiar with most insurance carriers and understand how and why they make their decisions. We understand the various approaches insurance companies utilize in evaluating personal injury and wrongful death claims, and understand what needs to be promoted in order to pressure a favorable settlement. Quite simply, Rubin Zyndorf is more likely to secure the benefits you deserve than you could otherwise do on your own.

PERSONAL ATTENTION

From the very start, we work with you to promote your interests. We meet with you personally to discuss your claim, and follow-up later with personal meetings when other issues arise. You will deal directly with our attorneys when problems or questions arise. We answer all your questions promptly, and explain your various options so that you keep apprised of developments of your claim. We will always accessible, whether by phone or internet, and will meet any time when circumstances require. We promptly return your phone calls. (actually, if we are in court, we may need to take a message. But, if we are at the office, we always respond) We keep you informed and advise you promptly of any pertinent dates and court proceedings where your appearance is required. When it’s all over, most of our clients tell us that they feel they like they are ready to take a law school exam based upon the eye-opening extensive legal information they have accumulated through our active representation of them. We know the law can be very confusing and we do whatever is necessary to ensure that you understand what is happening, why, and what the likely outcome will be. And, when it’s all over, we would recognize you on the street and greet you by first name.

AGGRESSIVE, WHAT DOES THAT MEAN?

When we get started, we do everything necessary to maximize your interests. We work hard to get a good resolution of your claim. We locate witnesses, obtain police reports, take photographs, employ accident reconstruction experts, investigators, photographers and others to assist in building your claim. If necessary, we will also secure the services of expert witnesses on your behalf to ensure that the appropriate standards of care are brought forth to the Judge or Jury when your claim is finally decided.

We prepare each case like it will proceed to trial, and do not settle quickly when we believe the claim has considerably more value.

PRIOR EXPERIENCE

We represent clients for all kinds of injuries:
Punctured organs
Broken bones
Organ injury
Brain Damage and Traumatic Brain Injury
Fractures and Dislocations or joints
Spinal and Back Injuries
Serious Burns and disfigurement
Severe facial Laceration
Other prominent, permanent injuries

How are damages determined in a personal injury claim?

Fri, 19 May 2023 22:24:36 GMT

How are damages determined in a personal injury claim?

If you are injured, you are entitled to recover money damages for all your losses and expenses associated with the injury. Damages are broken down into two primary types with subcategories: Compensatory, meaning to compensate for damages related to claims of Negligence, and Punitive, meaning to punish for outrageous conduct or willful disregard for the safety of others, conduct which cannot be tolerated by a modern society. For the said our discussion, I will focus primarily upon Compensatory Damages, which is broken down into two sub categories: economic and non-economic.

Economic damages are those which are quantifiable in dollars and cents by paper documentation, including expert testimony, which reflects a monetary financial loss, both in the past, present and future.

Non-economic damages are intangible in nature, and including pain and suffering, physical discomfort, anguish, emotional disturbance and trauma.

Many factors determine the amount that can be collected, including:

The severity of the injury and degree of impairment and probable disability
The amount of the medical bills and future projected medical costs
The amount of time and money lost from work, past, present and future
Pain and suffering
Mental anguish
Disfigurement and permanent scars
Mental disability
Property damage
Loss of consortium and Loss of services for your spouse and children, both past present and future.
Other varied out-of-pocket and other related expenses

How much is my claim worth?

The question of how much money your claim is worth is a subject of great controversy, speculation and debate. It is generally impossible to say exactly how much money you are entitled to, save for the fact that you are entitled to something. The amount you receive is dependent on a multitude of factors which I have outlined through our website, and others too numerous to mention.

There is no exact formula, no mathematical equation, no theorem or construct which dictates exactly how much you will recover. But, naturally, the more serious your injury, the greater the likelihood that your monetary award will be substantial.

Some issues which bear directly on your claim for damages include: The extent of applicable liability insurance; the extent of applicable uninsured/underinsured motorist benefits; and the collectability of the at fault party. Other facts include the at fault party’s believability, sympathy of the jury, educational and demographic background of the jury; prior prejudices of the jurors; your own prior health history; prior injury claims; your ability to communicate effectively; your own personal believability, and on and on.

Rubin Zyndorf will make every effort to locate sources of collectability so that your claim receives just and fair compensation We will walk you through the process to make sure you understand what is happening, why it is happening and how it happened. And, through the entire process, we offer our expert opinion regarding our own assessment of the probable outcome at trial.

Do I have a personal injury claim?

We will tell you whether you have a viable personal injury claim. You must have sustained a physical injury precipitated by someone else’s lack of care or negligence. The work "negligence" is the term most often utilized to describe the actions of a person who departs from legal recognized standards of care, thereby imposing fault and ultimate responsibility for your damages.

We will advise you regarding all potential avenues for the establishment of negligence so that your rights are maximized. And naturally, your contact with our office and initial consultation are always free to endure that you are above to adequately verify the viability of your claim.

What if I am partially responsible for my injury, do I still have a claim?

If an accident or injury was partially your fault, you may still be able to recover. This is based upon the concept of “Comparative Negligence”. This means that your negligence is weighed in the context of the other driver’s negligence. If you are found to be 10% responsible, you can still be entitled to 90% of the resulting compensation. By this process, you are receiving compensation for only that portion of the claim for which the other person is legal responsible. You should allow us to evaluate your claim to determine your approximate level of responsibility, since only a Jury can ultimately put to rest your own percentage of negligence, and prior to the institution of a lawsuit, we may be able to present a scenario to the insurance carrier which establishes that the predominant degree of fault rests solely on the at fault driver, and not you, and that the risks associate with allowing the matter to proceed to trial justify an early negotiated settlement.

Do I need an injury lawyer?

If you obtain medical attention, you probably need our services. Seriously injury always causes insurance carriers to ring the emergency siren and run up the red flag. For them, it is akin to the President calling for immediate mobilization of the military. They immediately order up their forces to perform damage control. This means they will engage in procedures which seek to minimize and reduce the viability of your claim. We provide a free, no obligation consultation so that we can listen to the war drums pounding and assess what action to take on your claim. You have nothing to lose.

How much will it cost for me to hire an attorney?

All accepted cases are taken on a contingent fee arrangement. This means that we do not receive any money unless there is a recovery. It is simple. We don’t get paid unless you get paid. Our agreement is spelled out in plain language which anyone can understand. As a result of the contingent fee agreement, we are joined at the hip with your claim and seek the best possible outcome.

Can I act as my own attorney?

Of course, you never have to retain the services of an attorney. But, you would not be very wise to go-it-alone. The system is much too complicated. Even as educated as we are, attorneys are constantly asking questions and making fine distinctions and interpretations of law based upon the uniqueness of your case.

The law is not perfect. It is codified by men who strive to regulate the conduct of men through the printed word. Man is imperfect, so naturally, the law is imperfect. The application of law to any state of facts is subject to considerable interpretation, just as the reader can provide inflection in his voice to emphasis important passages; and the listener can focus on particular words to give them more importance than others; the law is awash with internal loopholes, exceptions, contingencies and escape clauses which make it a living, breathing thing which cannot be adequately described in a written document. When you have a problem, you seek out answers from those who are more knowledgeable than you. Just like preparing a fine meal, the selection of spices makes the difference between a good meal and a great meal.

Think of Rubin-Zyndorf as you would a specialist doctor. If you suffer an illness, you would first research the cause of your symptoms, consult with friends and experts and ultimately, defer to the expertise of the doctor. A patient who acts as his own physician has a fool for a client, just as an individual you seeks to legally represent themselves has a fool for a client. The field of injury litigation is simply much to complex for self representation.

Will my case have to go to trial?

Most personal injury cases get settled out of court. But sometimes a settlement may not be possible, for a variety of reasons, first and foremost of which is the insurance carrier’s unwillingness to pay you a satisfactory amount for settlement. If the proposed settlement doesn't offer what we think is justified by the facts of your case, we will proceed to file your lawsuit and prepare for trial. In this event, you can expect a vigorous prosecution of your claim to its final conclusion.

Why does it take so long to get my case resolved?

The court system is set up to administer virtually every imaginable type of dispute. Thousands of cases get file yearly nationwide, so it is only natural that the system needs time to prioritize cases as they are filed to ensure that cases do not die-on-the-vine while waiting for a court date. Cases are kept moving the judges who keep track of case development and monitor the progress on the claim. Also, your injury in an ongoing process, so even as the matter proceeds to court, your physical condition can change, requiring more time for assessment, documentation and valuation. Just as it takes time to heal, the court takes time to process your claim. The reason for this is, that you only get one bite-of-the-apple, meaning, that when your case comes on for trial, this is the only chance you will get to secure a favorable award. Also, you must bear in mind that doctors are many times reluctant to commit to a position until every possible alternative is explored. If we attempted to settle your case prior to the conclusion of your medical treatment, it is entirely plausible that important aspects of your injury may not be discussed or compensated. So, taking the time to adequately document your case is an important factor to consider as you proceed through your course of your medical recovery.

Your case will not be ripe for settlement until all your damages have been adequately quantified and all responsible parties are brought to account for their actions. If a trial is the only method for ultimate resolution of your claim, it could take several years for you to finally learn the outcome of our efforts. But, rest assured, we work as fast as possible under the circumstances of your claim to get the matter resolved in the shortest time period possible, bearing in mind that we don’t get paid until you do, so our interests are totally aligned in this regard.

HAVE YOU BEEN SERIOUSLY INJURED?

Fri, 19 May 2023 22:21:49 GMT

HAVE YOU BEEN SERIOUSLY INJURED?

Call us if you’ve been injured in an accident. Why? Because we handle your claim honestly, professionally, and with the competence you deserve.

We know that recovering from injury is difficult. Now more than ever, you need to be on top of your finances to make sure your bills are properly paid, and your obligations covered. The medical bills need to be reviewed for accuracy since the initial billings often contain inconsistent and conflicting information. Physically, you may not be in the best condition to handle your day-to-day responsibilities, and it may be necessary to grant someone a limited power of attorney so that your financial or legal affairs can been addressed.

After the accident, you may start to receive a flurry of telephone calls, solicitations or advertisement letters from a variety of sources seeking to provide you with “assistance” for your accident claim. Your name and address was likely downloaded off the internet by businesses that cull the listing of recent auto accidents and pulled your name and address directly off the traffic crash report. Many of these solicitations are simply middlemen who promise to represent you, but later, pass your claim off to another entity for further handing. While many of these services provide valuable information, we recommend that you consider your options before making a selection of medical provider, attorney, etc.. Talk to your friends, relatives, friends and neighbors about their experiences in this regard. When selecting a law office, you should be concerned about the lawyer’s prior experience and reputation in the general community. Is your claim going to be handled by only one attorney, or are several attorneys responsible for the results you receive? How long have the attorneys been in practice. Have they been located at the same location for many years? Normally, if an attorney has been in practice for many years at the same location, that is a good indication that they likely provide a good level of quality legal service, since to support a law office, they need to have a good client base and are easily identifiable in the general community.

You should feel free to make an appointment, at no cost with the law office, to meet with the attorneys to discuss your claim openly, and honestly, so that you may secure an assessment of the various issues which may arise in furtherance of your interests. Remember, a competent law office will never quote a fee over the telephone, and after the initial meeting, there is never a charge for providing an opinion regarding the extent of legal services necessary to further your interests. Beware of attorneys who promise you a discount or quick settlement. Until all the facts underlying your claim are laid bare and assessed, making any prediction regarding the overall value or monetary result is foolhearty and unprofessional. Every claim needs to be fairly reviewed so that you receive the result you ultimately deserve. Also, you should be careful when selecting a medical provider. If you’ve had a family doctor for many years, it may be inappropriate for you to start treating with someone you have never seen before without first obtaining a consult or referral from your family doctor.

Finally, it is important to remember that your injury, which is now an insurance claim, takes time to prepare in order to properly document your damages. Be patient. When you rush to settlement you will likely miss receiving the appropriate level of compensation for every element of your claim, but more importantly, you may be prejudicing your legal interests by signing a Release Agreement which, not only cuts off all your future claims, but also the claims of your various medical providers who will likely need to provide you with continuing care and treatment.

If you’ve suffered an accident injury, it would be our privilege to serve you. See our advertisement on this page. A telephone call to our office is the best method to further the process of healing.

Daryl K. Rubin is a General Partner in the Law Firm of Rubin-Zyndorf and Associates.

You are injured- what must you do?

Fri, 19 May 2023 22:20:12 GMT

You are injured- what must you do?

YOU SHOULD ALWAYS OBTAIN MEDICAL ATTENTION FOR INJURIES YOU SUFFERED IN AN ACCIDENT.

When you are taken to the hospital, you are the best reporter of what’s wrong with you. Don’t wait for the doctor to tell you what’s wrong with you. Volunteer the information. After all, doctors are not mind readers, and the best method for directing their medical attention is for you to vocalize your difficulties. Sometimes, we encounter the athletic/masculine type of client who is to machismo to tell the doctor what is hurting them. At other times, we encounter the timid wall-fly woman who is afraid of her own shadow and fears telling anyone of her suffering. Don't let your sense of pride prevent you from reporting your injury. Get medical attention promptly after suffering an accident. How can we help you if you won’t even help yourself?

CALL RUBIN-ZYDORF AND ASSOCIATES.

Contact us immediately to promote your legal interests. If you have been reading the content of our website, you will realize that the field of personal injury is a matter of serious complication. You will rest easier knowing that all details for preserving your claim are being taken. We can make sure your medical bills are submitted to the appropriate parties, that your lost wages are appropriately documented, and that your life suffers the minimal amount of interruption precipitated by your injury. Beware of who is offering to pay you medical bills, and disclosing to any of your medical providers the nature of your own health and auto insurance. There are many considerations to take into account when determining who will be paying your medical bills in the first instance. Most people have different sources for medical bill payment, including health insurance, automobile insurance, worker’s compensation, the other driver’s insurance carrier and letters of protection. All of these sources require balanced consideration before they are accessed for payment. Don’t think you know what to do, because, more often than not, the primary question is not whether your bills will be paid, but rather, it’s a question of who should be required to pay first, how much and in what order or priority.

LISTEN TO YOUR DOCTOR

What would be the point of obtaining medical treatment, and then failing to follow your doctor’s recommendation for follow-up care? You must remember that, when you are attempting to document the severity of your injury, missed doctor’s appointments suggest that your injury was not that serious. Each time you visit the doctor, your complaints make it into the doctor’s record, so that later, when your doctor provides copies of his medical file for submission to the insurance company, your complaints of pain, discomfort and medical concerns are well documented. When your doctor prescribes medication for pain, your failure to fill the prescription suggests that your injury is not that serious. When you suffer in silence at home, thinking you are going to be compensated for your pain and suffering, your failure to document your injury through medical treatment will suggest that your injury was not very serious. Remember, you need to document the progression of your injury if you want to receive fair compensation. Maintaining a diary of your treatment, the difficulties you encounter in your daily life, the changes to your normal living schedule and hardships you encounter in dealing day-to-day with your injury is also critically important. If you think about the other topics I have written about which suggest that the process of pursuing a civil lawsuit can take some time, having to remember the details of your injury long after you have completed our course of treatment can be incredibly difficult in the absence of a record or your day-to-day experiences. Sometimes, cases can languish in the court system for years, and your ability to refresh your recollection of past events with a daily chronicle you created is instrumental in promoting your cause to secure fair compensation.

OTHER ISSUES TO BE AWARE OF:

Follow your doctor’s recommendations and obtain follow-up medical care as required;
Keep a log of your treatment, and your day-to-day functioning as it relates to your injuries. Record lifestyle changes and hardships on a daily basis.
Discuss aspects of your case with only your lawyer and no one else. Only you and your lawyer need to be concerned with your efforts to secure fair compensation.
Save all documentation evidencing your injury, including pill bottles, crutches, casts, braces, torn clothing, broken glass, broken glasses or other items to verify the extent of your injury or the impact of the injury upon you body.
Keep detailed financial records of extraordinary expenses you incur in dealing with your injuries
Make sure your employer understands that your absence from work is due to an accident, and obtain verification of your position of employment, job responsibilities; lost opportunities, lost wages and benefits.
Keep receipts of all expenses you incur for transportation, medical and/or home care, canceled events, unused tuition charges, etc. etc. The variety of losses sustained in as diverse as the color of flowers. Just keep records and let your lawyer determine what is necessary and what may be discarded.
Daily diary: document with a hand written entry the nature and extent of your pain, it’s intensity, frequency, and just as important, the means and methods you employ to reduce or eliminate your suffering.

Insurance For Everyone?

Fri, 19 May 2023 22:15:04 GMT

Insurance For Everyone?

You paid for health Insurance and auto Insurance. You’re prepared, right? Then, that fateful day comes when you’re driving down I-75 and a drunk driver merges into your lane. Suddenly, you find yourself waking up in the emergency room. While the emergency team examines your injuries, you’re glad you’re prepared.

Flash forward 30 days. What’s this? Your health insurance carrier is requesting to be repaid for bills that they’ve paid for your medical treatment. Your auto insurance is also demanding to be repaid. How can this be? You paid for the coverage; why should you have to pay them back?

It’s called subrogation, and virtually every auto- and health-insurance carrier in Ohio writes provisions such as these into policies. This provision requires that you, as their policy holder, repay them for the monies they have expended on your behalf when you decide to assert a claim against another person.

Here’s a summary of how it works: Your health insurer, as a condition to providing payment to a doctor, required the doctor to accept a schedule of “usual and customary” charges that the doctor has agreed, in advance, to accept for the medical services he would render. It makes no difference that the procedure normally billed by the doctor is, say, $200 per session. The insurance carrier will pay only $75 for the procedure, and the doctor has agreed with this payment schedule, agreeing further to write the balance off as a “cost of doing business.”

Why do doctors do this? If the doctor doesn’t cooperate with the health insurance company, those people that are insured with that particular insurance carrier will be required to seek medical services elsewhere. So, in the interest of preserving business, the doctor accepts a pay-cut. Your doctor now needs to see more people in an average working day, with shorter scheduled appointments, in order to receive enough money to pay overhead, meet payroll, and, hopefully, make a reasonable profit. And remember, when the Health Insurer pays your doctor, they expect to be paid back by you in the event you get compensated by the Drunk Driver’s insurance carrier. So, exactly what did the Health Insurer pay? Interesting question!

What about your auto insurance coverage? You believe you have coverage that provides for payment of your medical bills. Did you wonder why your doctor wanted to submit his bill for medical services to your auto insurance company rather than your health insurance carrier? Your auto insurance carrier will pay 100% of the doctor’s bill without requiring the doctor to write-down his balance. Unfortunately, auto medical payment coverage is usually limited in amount. Typical coverage of $1,000, $2,000, or $5,000 is not uncommon. And, once the auto insurer has paid out the medical payment coverage, it’s gone. But, remember, you still need to pay them back if you make a recovery! So, exactly what did the Auto Insurer pay? Interesting question!

What about uninsured motorist coverage? If the other driver has a $25,000 policy, and assuming you collect this sum, your own uninsured motorist carrier would be entitled to reduce the amounts they have to pay you to compensate you for your injury. It works like this: The other driver has $25,000 in coverage. Your own policy provides for uninsured motorist coverage of $50,000. Therefore, your own insurance company will only have to pay you $25,000, not the $50,000 you obtained in coverage. And, from the original $25,000 you obtained from the other driver’s insurance company, you have to pay back your own subrogated carrier. Potentially, that first $25,000 of coverage could be substantially reduced, to even $0, for the monies you had to pay back. And again, exactly what did the Auto Insurer pay? Another interesting question.

As you can see, your insurance premiums continue to go up, while artifice in the insurance industry has contrived mechanisms to pay you less. Here’s another twist. As you worry about how your compensation is being nibbled away, you have to consider the difficulties you may encounter in establishing that the other party is solely negligent for the injuries you have sustained. Say, for instance, that the drunk driver tells his insurance company that he believes you were exceeding the speed limit. His insurance company will, in all likelihood, advise you that they are reducing the amount they feel obliged to pay by your own comparative negligence. Instead of paying 100% of your damages, they now propose to reduce this amount to, say, 75% based upon their own determination that your negligence should be assigned a 25% negligence factor.

We live in a complicated world, with complicated issues. Most of us trust others to give us fair insight into the decisions we need to make. It is unfortunate that something so simple should be the subject of such utter complication.

Daryl K. Rubin is a General Partner in the Law Firm of Rubin-Zyndorf and Associates.

rubinandzyndorf

Am I Liable If My Dog Bit Someone in Public in Ohio?

Am I Liable If My Dog Bit Someone in Public in Ohio?

Ohio’s Strict Liability Dog Bite Law

Exceptions to Liability

Potential Legal Consequences

What Should You Do If Your Dog Bites Someone?

How Is Liability Determined in an Ohio Pedestrian Accident Case?

How Is Liability Determined in an Ohio Pedestrian Accident Case?

Ohio’s Comparative Negligence Law

Determining Fault in a Pedestrian Accident

What To Do After a Pedestrian Accident

How Long Does Probate Take in Ohio?

How Long Does Probate Take in Ohio?

Typical Probate Timeline in Ohio

Factors That Affect the Timeline

How Rubin and Zyndorf Can Help

What is the Statute of Limitations for a Workers’ Compensation Claim in Ohio?

What is the Statute of Limitations for a Workers’ Compensation Claim in Ohio?

Ohio’s Statute of Limitations for Workers’ Compensation Claims

Why Acting Quickly is Important

What to Do If You've Been in an Animal Attack in Ohio

How a Motorcycle Accident Attorney Can Help You in Ohio

Benefits of Hiring a Motorcycle Accident Attorney

When to Hire a Workers’ Compensation Attorney in Ohio

Benefits of Hiring a Workers’ Compensation Attorney

Wrongful Death Claims in Ohio

What Constitutes a Wrongful Death in Ohio?

Who Can File a Wrongful Death Claim in Ohio?

What Compensation is Available in a Wrongful Death Claim?

How Rubin & Zyndorf Can Help

Navigating Probate in Ohio: Understanding the Timeline

Navigating Probate in Ohio: Understanding the Timeline

Workers Compensation Claims

A Comprehensive Guide on Filing Workers' Compensation Claims in Ohio

A Comprehensive Guide on Filing Workers' Compensation Claims in Ohio

How to File Personally:

How an Attorney Can Help:

Legal Assistance for Ohio Victims of Car Accidents Involving Rideshare Apps

Legal Assistance for Ohio Victims of Car Accidents Involving Rideshare Apps

Navigating a Motorcycle Accident

1. Seek medical help

2. Document the accident

3. Don't admit fault

4. Contact a personal injury lawyer

5. File an insurance claim

﻿

Do You Sue the Truck Driver or Truck Company After a Crash?

Do You Sue the Truck Driver or Truck Company After a Crash?

What to Do After a Slip-and-Fall Accident

Step 1: Seek Medical Help

Step 2: Collect Evidence

Step 3: Fill Out an Accident Report

Step 4: Consult a Slip-and-Fall Attorney

Step 5: Stay Patient and Diligent

﻿

Rubin-Zyndorf and Associates

UNDERSTANDING INSURANCE COMPANIES

PERSONAL ATTENTION

AGGRESSIVE, WHAT DOES THAT MEAN?

PRIOR EXPERIENCE

How are damages determined in a personal injury claim?

How are damages determined in a personal injury claim?

HAVE YOU BEEN SERIOUSLY INJURED?

HAVE YOU BEEN SERIOUSLY INJURED?

You are injured- what must you do?

You are injured- what must you do?

Insurance For Everyone?

Insurance For Everyone?