Articles Tagged with personal injury

Many Marylanders, and even experienced personal injury lawyers, are unclear of the law and policies regarding autopsies in Maryland. Below are the most frequently asked questions surrounding autopsies in Maryland: 

 

What is an autopsy? 

An autopsy is a series of tests and examinations performed on the body and its internal organs to determine the presence of an injury and/or to identify any disease that may have caused or contributed to the death of a person where the cause is not apparent. Additionally, special tests are performed to check for the presence of infectious diseases, alcohol and/or drugs. 

 

Why are autopsies performed? 

In Maryland, a death certificate must be completed by a doctor for all deaths before the body can be sent to the funeral home. When the person has a family doctor and dies from natural causes, the doctor can complete the death certificate and an autopsy may be unnecessary. However, if the person is not under the care of a physician or the death appears to be unusual or suspicious in nature or State law requires it, the Office of the Chief Medical Examiner must be notified to begin an investigation and determine the cause of death so that the death certificate can be completed. Similarly, in some situations, a hospital or State-licensed physician may, with the permission of the decedent’s family, perform an autopsy. 

 

In Maryland, who decides if there will be an autopsy? 

This answer depends on who the decedent was and the circumstances surrounding their death. In Maryland, an individual dying as a result of a homicide, poisoning, suicide, criminal abortion, rape, therapeutic misadventure, drowning, or dying in a suspicious or unusual manner, or a death of an apparently healthy individual or a case which is dead on arrival at the hospital shall be examined by the medical examiner in the Office of the Chief Medical Examiner in Baltimore. In addition, in the case of a firefighter who dies in the line of duty, or a person who suffers a fire-related death, Maryland law dictates that the medical examiner must conduct an autopsy. Lastly, if the decedent died in a State-funded or State-operated facility, and the death appears unusual or suspicious in nature, the death shall be investigated by the Office of the Chief Medical Examiner. By contrast, a State licensed physician or hospital pathologist may perform an autopsy, with permission from the decedent’s family, on “non-medical examiner cases”, such as a stillbirth or neonatal death, a hospital death in which the cause of death has been established by a hospital physician and is due to disease, or when a decedent is dead on arrival to the hospital but the physician who pronounces death has previously treated the patient. Finally, when the decedent has a family doctor and dies from a natural cause such as from a disease, the family or hospital doctor can complete the death certificate and an autopsy may not be necessary, unless requested by the family. 

 

Can the family or anyone else request or prevent an autopsy from being performed? 

Before an autopsy can be performed in the instance of a non-medical examiner death (death during hospital stay), the next of kin must grant permission. However, when state law requires a medical examiner to perform an autopsy, family permission is not required. A family may object to an autopsy because of religious beliefs. In this event, the Chief Medical Examiner must review the matter and determine, usually after speaking with the next of kin, whether it is absolutely necessary to perform an autopsy over a family’s objections. If the Chief Medical Examiner determines an autopsy is required, the family may ask the court to intervene and grant an injunction to prevent the procedure until a hearing can be scheduled. This will, however, delay the release of the body to the funeral home.

Who performs an autopsy? Where is an autopsy performed?  

Autopsies that are conducted by the Office of the Chief Medical Examiner are either conducted by the Chief Medical Examiner, the Deputy Medical Examiner, an assistant medical examiner or a pathologist authorized by the Chief Medical Examiner to perform the autopsy. These autopsies are generally conducted in Baltimore or at some other facility authorized by the Chief Medical Examiner. By contrast, if the decedent has died in a hospital in a non-suspicious manner, a hospital pathologist or other State-licensed physician may, with the permission of the family, perform the autopsy. 

 

What is done during an autopsy? 

During an autopsy, the forensic pathologists thoroughly examine the body as well as its internal organs. Additionally, special tests are performed to check for the presence of infectious diseases, alcohol and/or drugs. To the extent that any evidence is discovered that may assist the pathologist in determining the cause of death, that evidence is collected. A typical forensic autopsy takes approximately 2-4 hours but may require additional time to complete the various tests. 

 

Who pays for an autopsy? 

If the autopsy is performed by the Office of the Chief Medical Examiner, there is no charge to the family. Tax dollars fund this service. Families may be charged a nominal fee of $30 for a copy of the autopsy report. If, however, the autopsy is requested by the family and is performed by a private physician at another facility, the family will likely have to pay for the costs of the autopsy subject to the rates of that physician. 

 

How long does it take for the autopsy report to be completed? 

If the cause of death is established to a reasonable degree of medical certainty, the medical examiner who investigates the case shall file in the medical examiner’s office a report on the cause of death within 30 days after notification of the case. Importantly, however, because various tests may need to be performed on a person’s body, organs or blood, this time frame may be extended. 

 

Does the autopsy report become public record? Where are these records kept? 

The official medical examiner’s autopsy report is a public record and is generally subject to disclosure under the Annotated Code of Maryland, State Government Article §§ 10-611 et seq., unless the case is subject to an ongoing investigation, or another appropriate reason for denial of disclosure exists. The individual files of the Chief Medical Examiner, however, are not public records but rather are private medical records protected from disclosure. 

The official autopsy report is maintained by the custodian of records of the Office of the Chief Medical Examiner. 

 

 

For additional information, please contact the personal injury lawyers at Silverman Thompson toll-free at 800.385.2243 or contact or call Steve Silverman directly at 410-385-2226 for a complimentary consultation. 

 

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What is uninsured motorist coverage?

Although automobile liability insurance is mandatory for Maryland drivers, I cannot urge drivers enough to carry significant uninsured/underinsured motorist coverage. Uninsured motorist (UM) coverage protects drivers when they are in a collision caused by a driver that has failed to obtain automobile insurance or when the offending driver cannot be identified (i.e. a hit and run or phantom vehicle scenario). While Maryland law mandates that all motor vehicles must carry liability insurance, data provided by the Insurance Information Institute estimates that over 15% of all Maryland drivers are unlawfully uninsured motorists.  Moreover, neighboring states, such as Virginia and Delaware, do not have any laws mandating that drivers carry liability insurance, so victims of collisions caused by those drivers who enter Maryland may be left without recourse or a means to obtain compensation. When this occurs, you and the occupants in your vehicle may look to your own motor vehicle insurance policy to compensate you for your damages up to your policy’s UM coverage limits.

Underinsured motorist coverage (UIM) protects drivers and occupants of the vehicle who are involved in a collision caused by a driver who did not have sufficient coverage to compensate them for their damages. Maryland law requires a minimum of $30,000 per person, $60,000 per occurrence, for liability and UM/UIM limits. In this scenario, the insurance company will never pay more than $30,000 for any one individual or more than $60,000 for the entirety of all persons affected by a collision.  At first glance, one might think those sums are sufficient, however, with the dramatic rise in medical costs, those sums barely make a dent in the medical costs in cases where there are serious injuries or where multiple people are injured. Keep this in mind, a brief trip on a Medivac Helicopter to Shock Trauma costs approximately $90,0000. A spinal fusion procedure for a back injury can easily run you upwards of $60,000.

 

Do I need uninsured motorist coverage?

UIM coverage can protect you from losing all your assets and going bankrupt from medical expenses or not being able to work when someone who has insufficient insurance coverage injures you in a collision. UIM coverage provides you, the occupants of your vehicle, and your resident family relatives with additional coverage up to the difference between the limits of UIM coverage and the at-fault driver’s bodily injury coverage. In other words, if the vehicle that caused the collision had $30,000 in insurance coverage and you carried a policy with $100,000 in UIM coverage, you could be entitled to additional compensation of up to $70,000 from your UIM policy once you receive the full limits of the bodily injury coverage from the offending vehicle.  Keep in mind that you must first receive the full limits of bodily injury coverage from the offending vehicle before your UIM claim can become ripe.[1]

 

How much uninsured motorist coverage do I need?

With insurance costs always rising, many are lax to purchase sufficient coverage to protect themselves and their families.  While purchasing the minimal amounts of motor vehicle insurance to become a legal driver in Maryland can be costly, especially if you have a negative driving record, it typically does not cost vehicle owners that much more to become sufficiently insured and to increase your protections. I recommend that all vehicle owners purchase a minimum of $250,000 (per person)/$500,000 (per occurrence) in coverage limits for both your Bodily Injury and UM/UIM portions of your policy.[2]  If you have a family, if your family depends upon you for its support, own a business, have substantial assets, or need greater peace of mind, I always recommend obtaining at least $1 million in Bodily Injury and UM/UIM coverage. This additional level of protection will follow you and your family even if they are involved in a collision that does not involve a family vehicle.

While increasing your policy limits will likely increase your insurance premiums, this is definitely not an area of your budget where you want to skimp.  Far too often I hear my clients proudly declare, “I have full coverage.”  Full coverage by no means, however, equates to good, sufficient coverage.  All “full coverage” means is that you carry liability and comprehensive coverage on your vehicle, and sometimes Personal Injury Protection (PIP) as well.  Every day I meet with clients who thought they had sufficient coverage because they purchased “full coverage” wherein reality, all they have is a policy with coverage up to Maryland’s minimal limits of $30,000/$60,000.

Remember, it is extremely important to call and retain a personal injury attorney as soon as you can after any collision or injury you or a loved one sustains.  You should reach out prior to speaking with anyone from any insurance company.  As always, I remain available to consult with you in any injury situation or if you have questions about whether you may be entitled to benefits under any policy of insurance. Please contact me, Jason Wasserman, at (410) 385-9110.

 

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Arthur deRoaldes Remanjon, a wedding photographer who also documented Fells Point and New Orleans, died Wednesday when the motorcycle he was driving struck a vehicle in the Tuscany- Canterbury section of North Baltimore. A recent article in the Baltimore Sun, documents the life and achievements of this well-known Baltimore resident and describes the tragic circumstances surrounding his death. Every year, hundreds of Maryland residents are injured or killed in motorcycle accidents around the state. Many of these accidents could have been avoided had the other drivers been paying proper attention and following the rules of the road. As experienced accident attorneys, we can help injured citizens and their families recover for accidents caused by negligent drivers. Our firm has secured numerous large verdicts and settlements on behalf of clients who have been injured by negligent drivers.

If you or someone you know is injured in an automobile or motorcycle accident, please feel free to contact Andrew G. Slutkin with further questions or inquiries at 410-385-2786.

Very sad news coming out of Anne Arundel County , Maryland this morning. The Baltimore Sun is reporting that Ashley Nicole Meyers was “attempting to cross Ritchie Highway near Hamburg Street in Pasadena when she was struck by a northbound 1999 Nissan Sentra about 5:47 p.m.” yesterday. Police are reporting that the child was wearing dark clothing at dusk and crossed the busy highway at a place not designated for pedestrian crossings. The girl was pronounced dead at Baltimore Washington Medical Center an hour later.

Our hearts go out to the family and friends of both the child and the unnamed driver of the vehicle that struck her. There is no report-at this time-that drugs or alcohol played a part in this motor vehicle accident.

 

For more information, or a free consultation, please contact the Maryland personal injury lawyers of Silverman, Thompson, Slutkin & White, LLC. or call Steve Silverman at 410-385-2226.

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