1 AUTOMOTIVE ACCIDENT LITIGATION DAVID RANDOLPH SMITH 1910 ACKLEN AVENUE HILLSBORO VILLAGE NASHVILLE, TENNESSEE
2 CONTENTS Overview of Accident Principles & Dynamics 3 Understeer and Skid Control 3 Skidding 5 Investigation Checklist 7 Accident Scene 7 Vehicle Damage Evidence 9 Occupant Injuries 9 Human Factors 10 Selection of Experts 11 Accident Reconstruction Expert 13 Basic Tools of Investigation 14 Basic Keys to Automobile Accidents 15 Keys to Premises Accidents 16 The Legal Investigator 17 The Client 18 The Police 19 Emergency Medical Technicians 19 Emergency Room Personnel, Doctors, And Nurses 19 Retired Police Accident Investigators 23 Case-Law Update 24 Reimbursement and Subrogation 24 Expert Evidence 25 Stacking And Automobile Liability Insurance Policies 26 Medical Bills and Presumptions 27 Internet and Accident Resources 29
3 Overview of Accident Principles & Dynamics Understeering and Skid Control Oversteer Understeer As a vehicle is driven over streets or highways, its weight distribution changes. When the vehicle is accelerating, weight shifts to the rear. When it is decelerating, weight shifts forward. This weight transfer has a powerful effect on tire performance. As weight transfers onto or off of a tire, the friction between the tire and the road dramatically increases and decreases. When a driver slams on the brakes, the weight of the vehicle shifts forward, and the size of the contact patch of the rear tires is reduced. The reduced friction induces sliding and loss of control. When a tire rolls over pavement, the friction generated remains steady. This is because the size of the contact patch, the area where the tire meets the road, remains constant. But the slightest steering change sets up relative movement between the tire and the road (sliding friction), and traction decreases. To reduce the driver s potential for loss of control, most vehicles are designed with understeer. On these vehicles, the rear tires have better traction than the front tires. An understeering vehicle driven too fast into a curve will tend to go off the road
4 nose first. The average driver can detect and control this movement more easily than the tail-first spin of an oversteering vehicle. When a rear-wheel-drive accelerates around a curve, the rear end moves toward the outside of the turn in a classic oversteering configuration. This happens because the surge of power to the rear tires during acceleration causes sliding friction, and the rear tires lose their grip. In a front-wheel-drive car, the sliding friction of the front tires increases; they slide in a straight line instead of gripping and turning.
5 Skidding. Skidding happens under many circumstances. A common misconception is that once the vehicle s standard alignment with the road is interrupted, the car is out of control. In fact, skidding can occur whenever a driver locks the wheels by braking suddenly. Skidding occurs when the force of the moving vehicle overcomes the friction between the road surface and the locked tires.
6 During a skid, the vehicle may or may not lose alignment with the road. But the distance needed to stop increases dramatically once the tires stop rotating or lock. The increased time to stop is what causes most accidents where skidding is a factor. Speed calculations can be made from the length of skid marks. When the distance of the skid mark and the coefficient of friction of the roadway are known, the vehicle s speed at the beginning of the skid can be determined. This assumes, however, that the vehicle skids to a stop rather than stops on impact with another vehicle. The coefficient of friction is a measure of relative slipperiness taking into consideration the roadway materials and the presence of water, snow, ice, and so on. 1 1 This material relies heavily on Larry Coben s excellent article, Investigating Automotive Accidents, TRIAL (March, 1994).
7 Investigation Checklist: As lawyers begin their investigation, they should prepare a checklist to coordinate witness interviews with issues or subjects of proof at trial. They should identify the type of exhibits that will illustrate agreement between the testimony of experts and other witnesses. Using this method, they can logically track the elements of proof required: evidence of the various events of the collision; proof of negligent driving or defective design; and testimony to establish the connection between the collision, the design, and the plaintiff s injuries. Accident scene. At a minimum, if possible, each of the following items should be considered when interviewing witnesses, including rescue personnel and police investigators: scene diagrams made by police and witnesses that document the relative positions of vehicles;
8 uncropped police photographs of vehicles, roadway, and debris to verify the point of impact and final positions of vehicles; site diagram that provides information about the roadway, number of lanes, lane widths, curves, grading, lights and signs; and aerial photographs. If possible, witnesses should be interviewed at the scene where the collision occurred. Interviews conducted using only photographs can limit witness recollection and perspective. Videotaping interviews at the scene is recommended if information about the crash site will be critical to the outcome of the case. Another tool to facilitate witness interviews is a scene diagram with an overlay to allow each witness to prepare a sketch of the events. Witnesses should be asked about vehicle speed and direction of travel, accident avoidance maneuvers they observed, points of impact, points of rest, and roadway conditions. Vehicle damage evidence. Photographic documentation of the vehicle is critical to any expert analysis. Verification of the vehicle s post-accident condition is also essential to chain-of-custody testimony. Witnesses most able to provide this testimony are vehicle occupants, rescue personnel, police investigators, and tow-truck operators. Type of photographs that will be useful in this area include-- photos of the vehicles at the collision scene, photos of the vehicles kept at storage facilities, photos of the interior of the client s vehicle, and photos and measurements of an undamaged vehicle of the same make and model as the one that was involved in the accident.
9 Occupant injuries. In many cases, evidence as to exactly what happened to vehicle occupants can be most persuasively presented through the testimony of rescue workers, emergency room personnel, and treating physicians. A biomechanical engineer or another forensic engineer specializing in the correlation between force and injury may be critical. While most cases require only a simple approach to keep expenses low and the issues clearcut, crashworthiness cases are more complicated. The visual techniques to illustrate key points should match the potential value of the case. Juries will pay more attention when television and slide presentations accompany an expert s explanation. The basic goal is to give the jury a visual instant replay of the collision and resultant injuries. Some visual aids used to highlight significant events include: side, front, rear, and overhead views of the vehicle interior showing occupant movements related to the overall motion of the vehicle; rescue records, emergency room reports, surgical reports, x-rays, and MRI films; enlargements, overhead screen exhibits, and slides of pertinent medical records; and computer graphics, video-enhanced illustrations or storyboards depicting occupant movements in the vehicle. Serious injuries from motor vehicle collisions may include: head injuries, which include scalp damage; skull fracture, extracerebral bleeding, and brain damage. Brain damage may or may not be caused by a direct blow to the head and may not directly correlate to the site of a blow. Brain damage may result from rotation of the head due to violent body motion.
10 spinal cord injuries, which may be caused by compression, hypoextension, or hyperflexion. These injuries are usually the result of poor restraint of the occupant s upper torso during an accident. internal injuries, including damage to the aorta of the heart. These injuries are often due to a heavy impact to the chest. A poorly designed seat belt can cause internal injuries by compressing organs during impact. Human factors. It may become important either to explain mistakes made by a motorist defendant or to rationalize the conduct of a client. This involves the field of human factors. A driver s control of a vehicle is not absolute. A driver who jabs the brakes hard enough to lock the wheels wants to stop immediately, but the physics of the situation produces a skid. The driver s control of the vehicle depends on perception time and reaction time. Perception time is the lag between seeing a situation and recognizing it as a hazard. Average perception time for inexperienced drivers has been measured in the range of.75 top 1.25 seconds. If the driver is moving down the road at 60 mph, the vehicle will travel from 66 feet to 110 feet before the driver even perceives a problem. Reaction time is the time required to decide whether to turn, brake, or accelerate once a hazard has been recognized. Reaction time includes decision making and implementation. The minimum reaction time that can be anticipated also ranges from.75 to 1.25 seconds--another 66 to 110 feet. This means that a vehicle traveling at 60 miles per hour will cover a minimum of 132 feet and up to 220 feet between reception of a sensory input and initiation of evasive action. That can be a lifetime. Selection of experts. Several sources are available to help locate a suitable expert. The best advice is to locate a forensic specialist with training and expertise in the area of
11 controversy expected to be the focus of the case. Sometimes a literature search can be helpful to find experts who have written on the subject. Traditionally, courts have found that a witness can serve as an expert based on knowledge, skill, experience, training, or education. To assist the expert in giving testimony, use of exhibits, including slides, photographs, and films, is supported by the Federal Rules of Evidence and has been allowed. Coherent Picture The physical evidence, witness statements, and injury information are like pieces of a jigsaw puzzle. They fit together in a unique manner to provide a picture of the motor vehicle collision. All the pieces may not be available and some will be distorted. But there usually is enough information to understand much of what happened. Once the pieces begin to form a coherent picture, the attorney finally is in a good position to evaluate the viability of the case and decide on the legal theories to pursue.
12 ACCIDENT RECONSTRUCTION EXPERT Accident reconstruction. Selecting appropriate witnesses to give accident reconstruction evidence is critical to presenting the case persuasively. Competent
13 experts range from police officers to engineers with advanced degrees. The experts level of sophistication should match the complexity of the case. Illustrative exhibits may be drawings, computer animations, a storyboard of illustrations depicting vehicle movements, or photographs of scale-model vehicles shown at progressive positions on a representation of the collision scene. The reconstruction expert must examine the accident scene to become familiar with conditions of the road at the point of impact and of the road leading to and from that point. Important details include traffic volume, shrubbery that may have decreased visibility, the grade of the road, and its coefficient of friction. The expert should take photographs of the scene at this time to coordinate with police photographs. Precise measurements can be obtained without the vehicles in place by referring to police photos. Photographs should also show the accident scene as it would have appeared to approaching drivers. The expert should verify all measurements noted in the traffic accident report. Road widths should be measured; if a painted centerline exists, measurements should be made form it to both edges of the roadway. Basic Tools of Investigation 1. Camera, flash, film 2. Ruler, yardstick, tape-measure, measuring wheel, calculator 3. Maps, street directories, access to aerial photographs 4. Clay, plaster of paris, or molding materials for impressions 5. Plastic bags, brushes 6. Tool box with tools, flashlight, and jack 7. Dictating machine, tapes
14 8. Witness statement forms, with instructions 9. Pre-prepared diagram forms, graph paper 10. Notary kit to notarize statements by witnesses 11. Exhibit stickers with name, address, telephone number of law firm 12. Business cards, pre-drafted letters of introduction 13. Written set of instructions for the investigator Basic Keys to Automobile Accidents 1. Obstructions to sight lines of each driver 2. Second impact causes and effects 3. Cause(s) of intoxication or fatigue of each driver 4. Alleged or perceived mechanical failures causing or contributing to the accident 5. Agency or errand by any driver 6. Point of impact (POI) approximation 7. Time and distance calculations for each driver 8. Calculation graphics 9. Sight and sound witnesses, identifications and interviews 10. Police witness interviews 11. Reproduction and identification of photographs of scene, cars, victims 12. Matching of the client s injuries with forces/impacts 13. Preparation to meet the seatbelt defense 14. Inspection and photography of all signs, signals, lines and traffic devices 15. Determination of actual speed limit 16. Identification of traffic violations charged Keys to Premises Accidents 1. Immediate sense impression of cause of fall
15 2. Immediate sighting of the cause of fall 3. Immediate announcements, admissions, and statements 4. Injuries matched with forces and impacts 5. Canvass of the neighborhood 6. Independent eyewitnesses or after-action witnesses 7. Age and original origin of defect 8. Aggravating factor(s) for defect worsening 9. Legal owner, occupier, maintainer of premises 10. Source(s) of water for any ice 11. Cause of wax or polish build up 12. Physical or mental reasons for instability of immobility 13. Potential government Tort Claim Notice 14. Architectural or construction errors or defects 15. Prior history of safety, health or building violations or complaints 16. Immediate visitation of the scene with client. THE LEGAL INVESTIGATOR Why You Should Employ A Legal Investigator Good legal investigators are worth their weight in gold. With any substantial personal injury practice, it is well worth the time and money and, more importantly, in the best interests of clients, to have an investigator on staff. A full-time or part-time staff investigator is eventually going to decrease file costs and unnecessary time. Subcontracting with an outside investigator will only profit that investigator or agency. Independent contractors will be available according to their schedule, not the schedule
16 of the attorney or the client. For any trial lawyer seeking to develop or maintain a personal injury practice, there is no merit to subcontracting investigation to an outside firm. Supply your investigator with the following items: 1. Proper equipment 2. Reference materials and publications 3. Forms, systems, and the standard operating procedures of your practice 4. CLE and related seminars 5. ATLA membership 6. State TLA membership, NALI, etc. 7. Introduction to community contact people 8. Continuing supervision and training THE CLIENT If one truly listens to the client, one can get the theme of the case and even the exact manner of the accident s occurrence. The critical step in any accident reconstruction is to immediately visit the scene of the accident with the client. Stop, look, listen to the client, turn the facts and witness statements over in your mind and replay the accident. If the collision or fall does not correspond with the client s version or your theory, then do it again! Something is missing or out of sequence if the client s injuries do not match up with the reenactment trauma. In fall-down cases it is vital to have the client describe or demonstrate the circumstances so that the attorney or investigator and staff can reenact the manner of the fall, the reasonably probable cause thereof, and the injuries incurred. Clients and their families can often assist in providing before-and-after photographs and videos. Be careful of overkill. The client and family can also help to
17 duplicate or obtain facsimiles of products or automobiles that were involved in the accident. Finally, clients can properly reconstruct a traffic accident if the Pythagorean principles of time and distance are shared with them prior to their sworn answers to interrogatory or deposition questions. Things to Remember About Client Reconstruction Assistance 1. Caveat: the witness for the prosecution set-up 2. Caveat: the ER complaints and initial medical histories 3. Caveat: the potential dive bomber 4. Caveat: medical causes for falling down 5. Caveat: the seatbelt 6. Use models, charts, etc., to illustrate and interrogate 7. Obtain photographs of everything with which the client impacted 8. Obtain photographs of initial bruises, cuts, etc. 9. Do not overlook anything which may have made a second impact 10. Obtain clothing and shoes worn by client THE POLICE The investigating police officers often make the most indelible conclusions about liability, causal relationships, and fault. Occasionally, an investigating police or marine police officer has had training in accident reconstruction or enough experience with a certain manner of force and contact that they may be of great assistance in reconstructing an accident. Tips for Developing the Reconstruction Analysis of Police 1. Personal rapport between you and your investigator 2. Integrity 3. Honest investigation, not supposition
18 4. Corroboration of all measurements 5. Canvas of neighbors for additional witnesses EMERGENCY MEDICAL TECHNICIANS The first aid squad usually is first at the accident scene with any intention of identifying and attending to injuries. Called at about the same time as the police, the EMT vehicle will arrive almost simultaneously with the police care. Every member of that squad is a potential eyewitness and reconstructionist for determining and proving exactly how your client suffered the injuries incurred during the accident. All of what they see and hear is not recorded on the ambulance log or in the incident report. To confirm the location of the victim at the scene, the drag or scuff marks, the initial symptoms and complaints, or any damaging outbursts or spontaneous utterances from the parties, you and your investigator or staff must obtain detailed statements from the EMTs and ambulance drivers who respond to the scene of the accident. These individuals are often the source for locating additional witnesses and bystanders, or spontaneous admissions about liability from the plaintiff and defendant. Ideas About the Utilization of EMTs to Assist Reconstruction 1. Obtain the identity of all emergency personnel 2. Review on radio logs of communications 3. Do not try to make them sign statements right away. 4. Provide scale diagrams of their use. 5. Have photographs available. 6. Remember your reputation for integrity and honest investigation. 7. Ask their opinion about the $64 Question. 8. Use referrals, reference, introductions 9. Caveat: Prior police experience
19 10. Caveat: the Ambulance Chaser Syndrome EMERGENCY ROOM PERSONNEL, DOCTORS, AND NURSES Never underestimate or assume no talent for accident reconstruction by the ER nurses and doctors at the hospital where your client was rushed. The ER personnel often have some past experience, training or expertise in treating trauma victims, which gives ER personnel an evidentiary qualification and foundation for an opinion about the cause and origin of the wounds and traumatic injuries sustained by the plaintiff. For example, some nurses and physicians have military experience in the treatment of accident victims involving the forensic evaluation of whether wounds were self-inflicted or the result of a true accident. Malingering is a standard differential diagnosis in the military and should be considered. It is important that you and your investigator establish a rapport and a working relationship with the nurse or doctor. The initial contact is extremely important and may be decisive in obtaining help, accurate information, or even basic facts from the ER personnel. Helpful Hints in Approaching the ER Personnel 1. Professional courtesy 2. Integrity 3. Photographs of client and suspected instrumentality 4. Diagrams of the accident scene and cause(s) 5. Survey of the neighborhood for other witnesses TREATING DOCTORS AND SURGEONS Most surgeons, especially orthopedic surgeons, have an excellent working knowledge of the forces, pressures, directions, and mechanisms of traumatic injury.
20 For example, most tibial plateau injuries occur due to a flexed knee striking the dashboard of an automobile; likewise most fractures of the foot can be classified by the type and direction of the trauma. Therefore, in almost every personal injury case the potential exists for using the treating physician or consulting/operating specialist in such a way that the defendant s version of the accident will be soundly and scientifically rebutted. For example, a certain fracture is probably more the result of a stepping accident, not a slip/trip type of fall; certain injuries are consistent with a belt/shoulder harness being in place; and certain head injuries in comparison with other injuries of less severity can point to the initial site of impact as well as the instrumentality. Facts to Consider Before Engaging the Treating Physician in a Conversation About the Bio-Mechanical Causes or Non-Causes of Specific Injuries 1. Remember your professional reputation. 2. Attitude of the doctor 3. Opinion about malingering 4. Prepare yourself in advance 5. Use positives of x-rays 6. Use photographs, models, diagrams 7. Instrumentality 8. Force and dynamics estimations or calculations 9. Pounds per square inch equivalents 10. Analogize to famous accidents RETIRED POLICE ACCIDENT INVESTIGATORS Some of the best qualified, yet often overlooked, accident reconstruction experts are retired from the police in your local communities. Retired state police accident investigators are most often school-trained and certified by their state or government
21 agency in the field of automobile accident reconstruction. These men and women are some of the best witnesses available to diagram and explain to the jury exactly how an accident occurred. Their strongest assets as experts include: the ability to talk in simple terms that the jury can understand; an uncanny ability to exude confidence and honesty; the instincts of a prize-fighter when being pounded by cross-examiners; and last, but not least, less of a drain on the client s cost account than an out-of-town expert with blue-ribbon credentials. Things to Remember Before Hiring Retired Police Accident Investigators 1. They insist on honesty. 2. Get references and check them. 3. Check personnel records. 4. Inquire about famous (infamous) cases handled. 5. Test-ride in municipal or traffic court. 6. Coordinate all exhibits, diagrams, etc. 7. Create and encourage teamwork and imagination. Reimbursement and Subrogation Case-Law Update Blankenship v. Bain, slip op. No. 01A CV (Tenn. Ct. App. 1998). In a case involving an automobile accident with a $125,000 of liability insurance available, Blue Cross/Blue Shield, through TennCare, paid $20, of medical expenses. The Court of Appeals held that the plaintiff s recovery was subject to a TennCare subrogation claim with the case being remanded to determine the amount of attorneys fees and expenses to be charged to the subrogation claim. See also
22 Castleman v. Ross Engineering, Inc., 958 S.W.2d 720 (Tenn. 1997) (the Supreme Court states that before the enforcement of a subrogation claim for benefits paid to a worker under the Worker s Compensation Program, the made whole defense does not apply and thus, even under equitable principles, a worker s compensation lien would attach to the net recovery collected, regardless of whether or not the employee was made whole). York v. Sevier County Ambulance Authority, slip op. No. 3A CV (Tenn. Ct. App. 1998). The court held that Blue Cross/Blue Shield was entitled to enforce recovery under a right of reimbursement clause, irrespective of whether the insured was made whole. The case involved an automobile accident in which each plaintiff was awarded $130, by an approved judgment. Blue Cross/Blue Shield had paid $19,000 in medical expenses. The trial court determined that the plaintiff had not been made whole by the judgment of $130, and therefore Blue Cross/Blue Shield was not entitled to subrogation in any amount. The Court of Appeals ruled, however, that pursuant to the contractual right of reimbursement, Blue Cross/Blue Shield could recover this $19,000 in medical expenses. Expert Evidence Expert evidence in Tennessee is now governed by, in additional to Evidence Rule 702 and 703, the Tennessee Supreme Court decision in McDaniel v. CSX Transportation, Inc., 955 S.W.2d 257 (Tenn. 1997). In this case, the court held that the Rules of Evidence supersede the general acceptance test in Frye. Although not expressly adopting a Daubert analysis, the court held the following non-exclusive list of factors would be used to determine the reliability of evidence:
23 1. whether scientific evidence has been tested and the methodology with which it has been tested; 2. whether the evidence has been subjected to peer review or publication; 3. whether a potential rate of error is known; 4. whether, as formerly required by Frye, the evidence is generally accepted in the scientific community; and 5. whether the expert s research in the field has been conducted independent of litigation. See also Hand v. Norfolk Southern Railway Company, slip op. No. 3A CV (Tenn. Ct. App. June 2, 1998) (a jury verdict of $3,250, affirmed on appeal, providing that exposure to numerous carcinogens and hazardous substances caused or contributed to a medical condition from which the plaintiff died) (malignant brain tumor). Stacking And Automobile Liability Insurance Policies. West v. Pratt, 871 S.W.2d 477 (Tenn. 1994) (in the absence of a provision in the policy requiring the liability carrier to pay punitive damages before paying compensatory damages, and in the absence of a legislative guidance on this issue, a liability carrier must satisfy the compensatory damages award, to the extent of its limits, before paying any of the punitive damages award.) See also Dunn v. Hackett, 833 S.W.2d 78 (1992) (employee brought action against other driver for personal injuries arising from automobile accident which occurred while employee drove employer s van and against insurer of employee s personal automobile. The Circuit Court judge granted summary judgment to the
24 insurer. The Court of Appeals affirmed and held that uninsured motorist coverage was secondary and that an employee did not select lower limits of uninsured motorist coverage by negotiating a deductible for all insured losses. See also Gabel v. Lerma, 812 S.W.2d 580 (Tenn. Ct. App. 1990) (excess uninsured motorist coverage can only be recovered from the insurer of vehicle owned by passenger. Lewis v. American National Property & Casualty Insurance Company, slip op. No. CA. 781, (Tenn. Ct. App. 1987)(the issue of whether the quoted policy provision or organization which may be legally liable includes the drivers and owners of adverse vehicles. Appellants conceded that they were attempted to stack coverage in violation of T.C.A , which provides that the limit of liability for the insurer providing uninsured motorist coverage under this section is the amount of that coverage as specified in the policy, less the sum of the limits collectible under all liability and/or primary uninsured motorist insurance policies. The court held that a fair reading of the policy, with a minimum of objectivity, required the conclusion that the word organization is used in a generic sense and includes the owner/operator of an adverse vehicle. Medical Bills and Presumptions In Hogan v. Reese, slip op. No. 01-A CV-0023 (Tenn. Ct. App. July 31, 1998) (the court considered the medical bills presumption set forth in T.C.A (regarding the prima facia evidence of necessity and reasonableness of medical expenses). The court noted that a common law of reasonableness and necessity of medical expenses allegedly caused by the defendants are elements of the plaintiff s burden of proof. Under T.C.A , medical bills attached to the complaint, if
25 itemized, are presumed reasonable and necessary for a sum not to exceed $2, Under a 1989 amendment to the Act, there is an additional procedure by which a plaintiff may establish a rebuttable presumption that medical, hospital and doctor s bills are reasonable. See T.C.A (b)(1) and (2). Under this 1989 codification, there is no limitation as to the amount of medical bills, as far as reasonableness, but does not address the question of whether such bills are necessary. In Hogan v. Reese, the court held that the plaintiff, by attaching medical, hospital and doctors bills to a Request for Production of Documents, constituted sufficient notice to invoke the rebuttable presumption that such medical, hospital and doctors bills were reasonable. The court noted, however, that this did not prove that the expenses were necessary. Accordingly, the plaintiff s proof on the issue of necessity failed.
26 Internet and Accident Resources Web Sites Of Interest Accident Reconstruction Resources: Bureau of Transportatio Statistics: Car Accident Web Site: Department of Transportation: Harris Technical Services: InjuryControl Resource Information Network Motorcycle Tips: NHTSA: NHTSA National Crash Analysis Center : NHTSA Library : FHWA: NiteMare's Nook, Trucking and Automobile Driver Safety: Steve's Police & Traffic Resource Page: TAAR-Safety Engineering: TARO: Transport Canada: Governmental Agency Contacts
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