Wednesday, December 21, 2011

What happens when I miss my traffic court date?


By Jeffrey R. Hall, of Hall, Rustom & Fritz LLC.

Many times, clients contact us after they've missed their first appearance date on their traffic ticket.  They wonder if a warrant will issue for their arrest and they are terrified. 

Not to worry!  We'll try to give a detailed breakdown of the process as to what happens after you miss your court appearance.  You'll find that you will likely NOT have a warrant issued for your arrest; however, there are still serious consequences that you will want to keep in mind.  This article only addressed the process for citations issued in Illinois. 

These consequences depend on the county for which you received the ticket. Usually, if you forget about a ticket, it NEVER simply goes away.  Illinois law commands the circuit clerks of each county to forward information regarding your failure to appear to the Illinois Secretary of State.  Once they receive the notice you failed to appear, the Secretary of State will suspend your driving privileges until you resolve the ticket.

Instead of breaking down how each county handles your ticket, I'll explain generally what happens behind the scenes.

First, once you are ticketed, you should determine if the ticket requires you to appear in court.  For most speeding tickets and other minor petty traffic offenses, such as improper lane usage, improper turn signal, failure to yield, etc., a court appearance is NOT required.  Nevertheless, you must still respond to the court in some method.  On the back of your ticket, it typically provides instructions on how to resolve the ticket.  We caution you to simply pay the ticket and be done with it.  This is important and here's why:

If you simply pay the ticket over the counter or through the mail, you are essentially pleading guilty to the offense and a final adjudication of guilt will be recorded against you and a conviction will enter.  That means points will be assigned against your driver's license. 
  • If you are under 21, you are only entitled to ONE moving violation conviction on your record in a 2 YEAR period.  If you receive two moving violation convictions in a 2 year period, your driving privileges will be suspended for a period not to exceed 1 year.  Depending on the severity of the ticket, such as speeding 21-30 mph over the limit, your driving privileges will likely be suspended between 6 months to 1 year.  If you receive a minor traffic violation, such as speeding 1-20 mph over the limit, your driving privileges will likely be suspended for 3-6 months.
  • If you are 21 and over, you are entitled to TWO moving violation convictions on your record in a 1 YEAR period.  If you receive THREE moving violation convictions on your record in a 1 YEAR period, your driving privileges will be suspended for a period not to exceed 1 year.  Again, depending on the severity of the ticket, such as speeding 21-30 mph over the limit, your driving privileges will likely be suspended between 6 months to 1 year.  If you receive a minor traffic violation, such as speeding 1-20 mph over the limit, your driving privileges will likely be suspended for 3-6 months
It is recommended that you obtain a printout of your driving record (abstract) from your local DMV to determine what moving violations are actually on your record.  The record may be difficult to read so it is recommended that you consult an experienced traffic attorney to read your record to determine what effect, if any, will result from your present traffic citation.

Now, back to your court date.  Once your name is called in open court and you do not answer, the prosecutors will generally write on the file "Defendant Failed to Appear. Ex Parte Judgment issued."  They will present the file to the judge and the judge will sign.  Essentially, the court is taking judgment against you in your absence.  Thus, a conviction will enter against you.

However, if the ticket is not a petty traffic offense, but rather, a traffic misdemeanor, such as Driving While License Suspended, the court will usually issue a warrant.  Make sure you do not miss your court date if your ticket is for a misdemeanor.

Once you realize you've missed your court date, you will likely have to vacate the conviction against you if you want to "undo" the conviction that was entered by the court in your absence.  Here is where an attorney can be effective for you.  Your attorney will draft the motion to vacate, set it for hearing, then negotiate the terms of the citation with the prosecutors so the punishment against you will be as minimal as possible.  Prosecutors will look at your record as well.  If you have a poor driving record, the prosecutors may object to vacate the conviction against you.  However, if it has not been more than 30 days since you missed your court date (or the judge signed the "ex parte" judgment against you), the court will likely reopen the case against you.  If it is beyond 30 days since you missed your court date, it is harder to get your case reopened since you are beyond your "30 day Appeal" window.  On these tickets, time is of the essence to act responsibly.  That is why it is important to consult an attorney to assist you.

Your attorney can then negotiate the terms of the ticket.  We always ask for some type of disposition that will not affect your driving record, such as dispositions resulting in court supervision.  

What is Court Supervision in Illinois?  Court supervision is NOT a final adjudication of guilt.  The court is simply indirectly monitoring your behavior during a set period of time (not to exceed 1 year on petty offenses and 2 years for misdemeanor offenses).  If you abide by the terms of your court supervision (pay your fines and costs, complete any public service hours, attend the driver improvement course, not violate any law of any jurisdiction, etc), your case will close at the end of the period of supervision and NO CONVICTION will be entered.

You will typically be assessed fines and court costs.  Thus, so long as you pay the fines and court costs within your time limit given and you do not violate any other laws of any jurisdiction, the ticket will not affect your driver's license.

In conclusion, if you miss your court date, do not fret.  Simply print out a copy of your driving record at your local DMV and contact an experienced traffic attorney to assist you.  The conviction is not set in stone and if you act quickly, your attorney can undo the damage your absence caused.

It should be noted that some counties will not issue an ex parte judgment against you.  They will simply send out a 30 day notice to you that if you do not pay the ticket within 30 days, they will forward a "Failure to Pay Notice" to the Illinois Secretary of State (SOS).  Once the SOS receives the notice, they will suspend your driving privileges until you pay the ticket and they receive the receipt from the clerk's office.  Remember, if your are suspended for not paying a traffic ticket, your driver's license will not automatically reinstate once you pay the ticket.  The SOS needs to receive confirmation that it was paid from the clerk's office.  This may take a few days AFTER you pay the ticket.

Below is helpful information regarding Notices to Appear, Minimum Present Bond Amounts, Required Appearances, and Traffic Enforcement Bail Procedure.  (Taken from the Illinois Traffic Offense Code Book.  It can viewed here:  http://www.cyberdriveillinois.com/publications/pdf_publications/sos_dop10.pdf

NOTICE TO APPEAR

Whenever a peace officer is authorized to arrest a person without a warrant, the officer may instead issue to such person a Notice to Appear.  The notice shall be in writing; state the name of the person and his address, if known; set forth the nature of the offense; be signed by the officer issuing the notice; and request the person to appear before a court at a certain time and place.  Upon failure of the person to appear, a summons or warrant of arrest may be issued.  

MINIMUM PRESET BAIL AMOUNTS

Traffic Offenses. The basic Rule 526(a) presets bail for minor traffic cases at $120. Bail is preset to avoid undue delay when it is not practicable to bring the accused before a judge.
  • Those violations denoted by an asterisk (*) require mandatory court appearance.
  • Those violations denoted by an asterisk (*) are exempt from the provisions of the NONRESIDENT VIOLATOR COMPACT, and the normal Supreme Court Bail Rule applies.
  • Those violations denoted by the number sign (#) require fingerprinting of the violator.

    IN EVERY CASE THE PERTINENT ILCS SECTION SHOULD BE READ TO DETERMINE THE PROPER CHARGE AND BAIL.

    ADDITIONAL SUPREME COURT RULES
    1. AppearanceDate-Rule504
    The date set by the arresting officer for an accused’s first appear- ance in court shall be “not less than 14 days but within 60 days after the date of arrest, whenever practicable.”

    2. Substitution of Cash Bail-Rule 554

    (a) Not sooner than 10 court days after arrest and not later than three court days before the date set for appearance in court, an accused who deposited driver’s license or a bond certificate in lieu of cash bail, or who was released on Notice to Appear, promise to comply, or individual bond under Rule 553(d) may recover either his license or bond certificate or further secure his release by substituting cash bail in the amount required by this article with the clerk of the circuit court of the county in which the violation occurred; provided, however, that no driver’s license required to be deposited under subparagraph (d) of Rule 526 may be recovered under this rule. The clerk may waive the time limits, specified by this rule.

    (b) In all cases in which a court appearance is not required, under Rule 551, an accused who desires to satisfy the charge but is unwilling to plead guilty may substitute cash bail under paragraph (a) of this rule; in such event, if the accused does not appear on the date set for appearance, or any date to which the case may be continued, it shall be presumed he has consented to the entry of an EX PARTE judgement (see Rule 556(b)).

    3. Driver’s License in Lieu of or in Addition to Bail-Rule 526(e)

    “...In lieu of posting the cash amounts specified (for sections: 3- 708, 11-401(a), 11-501 and 11-504, of the IVC) an accused must post $1,000 bail and his current Illinois driver’s license. Persons who do not possess a valid Illinois driver’s license shall post bail in the amounts specified in Rule 526(c) or 525 (d), except than an accused may deposit a approved bond certificate in lieu of bail specified in subparagraph (1) or (8) of 526 (c).”

    4. Bail Schedule-Ordinance Offenses, Petty Offenses, Business Offenses and Certain Misdemeanors-Rule 528

    (a) Offenses punishable by fine not to exceed $1,000. Bail for offenses (other than traffic or conservation offenses), including ordinance violations, punishable only by a fine which does not exceed $1,000, shall be $120.

    (b) Offenses punishable by fine in excess of $1,000. Bail for offenses (other than traffic or conservation offenses) punishable only by a fine which exceeds $1,000 shall be $1,500.

    (c) Certain other offenses. Bail for any other offenses, including violation of any ordinance of any unit of local government (other than traffic or conservation offenses), punishable by fine or imprisonment in a penal institution other than the penitentiary, or both, shall be $1,000, as provided in paragraph (d) of this Rule 528, and except that bail for Class C misdemeanors shall be $75.

    (d) Domestic violence offenses. No bail is established under these rules as provided in Section 110-15 of the Code of Criminal Procedure of 1963 (725 ILCS 5/110-15) for the offense of domes- tic battery (720 ILCS 5/12-3.2), a violation of an Order of Protection (720 ILCS 5/12-30), or any similar violation of a local ordinance. Bail for these offenses shall be set by the court pursuant to statute.

    5. RequiredAppearance—Rule 551

    A court appearance is required for the following:

    (a) All alleged Class A and B misdemeanor violations of the Illinois Vehicle Code.
    (b) All alleged violations of the following specified sections:

    3-707  Operating without insurance
    3-708  Operating when registration suspended for non-insurance
    6-101 No valid driver’s license
    6-104 Violation of classification
    6-113 Operating in violation of license or permit
    6-301 Unlawful use of license or permit
    11-409 Making a false report
    11-601(b) Speeding-Only when more than 30 mph over the posted limit
    11-1414(a) Passed school bus-loading or unloading
    15-112(h) Refusal to stop and submit vehicle and load to weighing after being directed to do so by an officer, or removal of load prior to weighing 15-301(j) Violation of excess size and weight permit

    (c) All alleged violations of the Child Passenger Protection Act.
    (d) Any traffic offense which results in an accident causing the death of any person or injury to any person other than the accused.
    (e) Conservation offenses for which more than $120 bail is required under Rule 527 or for which civil penalties are required under Section 20.35 of the Fish and Aquatic Life code or Section 3.5 of the Wildlife code.
    (f) Offenses arising from multiple charges, as provided in Rule 503.
    (g) Violations of any ordinance of any unit of local government defin- ing offenses comparable to those specified in subparagraphs (a), (b), (c), (d) and (h) of this Rule 551.
    (h) Any minor traffic offense where the statutory minimum fine is greater than $95, except those offenses involving truck violations under Rule 526(b)(1) or similar municipal ordinances.
TRAFFIC ENFORCEMENT BAIL PROCEDURE

625 ILCS 5/6-306.3 License as bail.


(a) Except as provided in Section 6-306.4 of this Code, any person arrested and charged with violation of Section 3-701, 3-707 or 3- 710 or of any violation of Chapters 11 or 12 of this Code, except the provisions of Sections 3-708, 11-401, 11-501, 11-503 or 11-504 of this Code shall have the option of depositing his valid driver’s license issued under this Code with the officer demanding bail in lieu of any other security for his appearance in court in answering to any such charge.

(b) However, a uniform bail schedule and regulations adopted pur- suant to Supreme Court Rule or Order may require that a driver’s license issued under this Code must be deposited, in addition to appropriate cash deposit, where persons arrested and charged with violating Sections 3-708, 11-401, 11-501, 11-503 or 11-504 of this code elect to take advantage of a uniform schedule establishing the amount of bail in such cases.

Rule 501(g)

(g) Promise to Comply. An option available to residents of other member jurisdictions of the Nonresident Violator Compact of 1977

to obtain release from custody without bail following arrests on view for minor traffic offenses (see Ill. Rev. Stat. 1987, ch. 95 1/2, par. 6–306.4(a) 625 ILCS 5/6–306.4(a)) by signing a written promise to comply with the terms of the Uniform Citation and Complaint. Residents of Illinois, and nonresidents charged with traffic offenses specified in subsection 6–306.4(b) of the Illinois Vehicle Code, as amended, shall not be released on a promise to comply, but must post bail or secure release in accordance with these rules. 


If you have further questions, please visit our website at www.centralillinoislawyers.com and complete our online submission form. Or, you can call our office at 309-699-4691 or email us at how@howlawfirm.com.

LEGAL DISCLAIMER

The use of the Internet or this form for communication with the firm or individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form nor should the reader rely on the information listed above as true in all circumstances. This information is provided generally and any similarity between the information listed above and an individual reader's case is purely coincidental.

The attorneys at Hall, Rustom & Fritz LLC represent clients throughout the entire state of Illinois, including, but not limited to, the cities of Peoria, Morton, Washington, Pekin, Eureka, East Peoria, Dunlap, Metamora, Bartonville, Bloomington, Normal and any legal matter located in Peoria County, Tazewell County, Woodford County, Marshall County, Stark County, Henry County, Knox County and McLean County.

Article Author: Jeffrey R. Hall




Jeff Hall is managing partner at Hall, Rustom & Fritz LLC and concentrates his law practice in Criminal Law, DUI & Traffic law, driver's license reinstatement hearings and criminal record expungements.

If you have a legal question, email Jeff Hall.



View Jeffrey  Hall's profile on LinkedIn

Tuesday, December 13, 2011

Will a DUI affect my car insurance policy and/or rates?




Many times has the question been posed as to whether or not a DUI will affect your insurance rates. The answer is not as straightforward as one would hope. Consequently, the answer is, "it depends."

First, we must look to what exactly is going on with your driving record once you receive a DUI. If you are arrested and your BAC is over 0.08 or you refuse blood alcohol testing, then on the 46th day after your DUI arrest, your driving privileges will be suspended.

Meanwhile, when the suspension becomes effective, your Driving Record will show "Statutory Summary Suspension" and the dates you are to be suspended.

If you and/or your family is insured under a car insurance policy, the larger insurance companies, such as State Farm, Allstate, and GEICO, will periodically review your policy. In that review, they will run the license statuses of each of the insured on your policy. If they discover that one of your dependants (or even yourself) has a suspended driver’s license, they will likely CANCEL your entire policy. Most license suspensions result from what insurance companies classify as major violations. Preferred rated policies, and in most cases even standard rated policies, will not allow for any type of major convictions or suspensions for any household driver within the previous 5 year period. Insurance companies will periodically re-underwrite existing policy holders and if it is discovered that a driver was convicted of a major violation and/or subject to a license suspension, non-renewal of the entire policy is a common result or even cancellation.

For example, if your son or daughter receives an underage drinking ticket, they plead guilty, receive court supervision, and the clerk mails notice of that disposition to the Secretary of State, your son/daughter’s driving privileges will be suspended for 3 months. Since your son or daughter never told you about the ticket or the suspension, you will likely find out the hard way because you’ll get into an accident and realize that your insurance policy was canceled. Now, the insurance company should send you notice in the form of a cancellation letter. However, if you don’t receive the letter or it’s lost in the mail, you may be driving without insurance and not even know it.

So what should you do if you find out about the suspension? This answer depends on the advice from your attorney, contingent on factors that will differ from policy to policy. One option is remove the suspended household driver from the policy and obtain a temporary policy under a different insurer, such as progressive or InsureOne. If the insurance company still tries to deny your renewal or attempts to cancel your policy, you can tell them the person is no longer a part of your household. If you would like to play the odds, you could keep the suspended dependant on your policy and hope that the insurance company doesn’t find out. The odds are in your favor that they will not find out because it is costly for the insurance company to review the driving records. It costs $12 per driving record to obtain. I’ve learned that the insurance companies will “periodically” review; however, it’s unlikely they’ll review unless your policy is up for renewal. If that is the case, option one may seem the most plausible. If it’s not up for renewal, you could probably play the odds and get by okay. However, that is most certainly NOT a guarantee.

This is typical for any type of suspension.  A suspension for DUI would likely be taken more seriously than a suspension for parking tickets.  It is unclear whether or not insurance companies draw that distinction.  In our experience, insurance companies will usually do as much as they can to protect their bottom line.

As to insurance rates, it would be prudent to review your insurance policy to see what the fine print says about suspensions and traffic violations.  If your policy raises rates for dispositions that do NOT result in a conviction, such as court supervision, you should take issue with that insurance company and possibly consider canceling the policy for a company that will NOT raise your rates.  


If you have further questions, please visit our website at www.centralillinoislawyers.com and complete our online submission form. Or, you can call our office at 309-699-4691 or email us at how@howlawfirm.com.

LEGAL DISCLAIMER

The use of the Internet or this form for communication with the firm or individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form nor should the reader rely on the information listed above as true in all circumstances. This information is provided generally and any similarity between the information listed above and an individual reader's case is purely coincidental.

The attorneys at Hall & Rustom LLC represent clients throughout the entire state of Illinois, including, but not limited to, the cities of Peoria, Morton, Washington, Pekin, Eureka, East Peoria, Dunlap, Metamora, Bartonville, Bloomington, Normal and any legal matter located in Peoria County, Tazewell County, Woodford County, Marshall County, Stark County, Henry County, Knox County and McLean County.

Article Author: Jeffrey R. Hall




Jeff Hall is managing partner at Hall, Rustom & Fritz LLC and concentrates his law practice in Criminal Law, DUI & Traffic law, driver's license reinstatement hearings and criminal record expungements.

If you have a legal question, email Jeff Hall.



View Jeffrey  Hall's profile on LinkedIn

The Uncontested Divorce: Do I still need a lawyer?


By Attorney Michael S. Fritz, Partner at Hall & Rustom, LLC

Believe it or not, not every couple seeking to sever the bonds of their marriage also seek to sever the head from their spouse’s neck.  Often times divorcing parties participate in what is called an “uncontested divorce” or agreed divorce.  These types of proceedings are the most cost effective and efficient ways for couples to obtain a divorce. 

An uncontested (or “agreed”) divorce is when parties amicably agree to the terms of their divorce but simply need the expertise of an attorney to navigate through the legal system and to file the proper documentation to ensure that the terms of their agreement(s) are be legally binding. 

A case involving child custody requires a document called a “Parenting Agreement”.  This document  governs the terms and conditions of subjects such as parenting time, holiday visitation schedule, child support, health care, schooling, religious up-bringing and other issues related to the children.  The document that governs the division of marital property is called a “Marital Settlement Agreement”.  The Marital Settlement Agreement divides the parties’ marital assets and debts and further addresses such issues as maintenance (alimony) and retirement accounts.  Finally, the Judgment for Dissolution, is the court order executed by the judge, which finalizes the divorce and incorporates the terms of the agreements between the parties and makes them legally enforceable court documents. 

The attorneys at Hall & Rustom, LLC can ensure that all of the above documents include the proper terms to completely memorialize the terms of the parties’ agreement and finalize the divorce.  To send a message to our attorney concentrating in divorce, please visit www.centralillinoislawyers.com or contact Michael Fritz via email with your question.

Despite the seemingly simplistic nature of an uncontested divorce, complications can arise if done incorrectly.  Below are just some of the issues that our firm has faced concerning uncontested divorces with clients who did not have an attorney to assist in the proceedings:
 
a) He/she told me I could have the “car/savings/tv/etc.,” but it’s not in the court agreement.  Can I make them give me what they promised?
I am often surprised by the number of people who come to me after the divorce papers have been executed in an attempt to enforce a promise or agreement they had with their former spouse which was not memorialized in the written Marital Settlement Agreement.  Property may be left out of the documents if the parties feel as though the property, whether it be antique furniture or television set, is miniscule to include in the written divorce paperwork.  In other instances an issue may arise between the parties during the physical division of the marital property but after the judge has signed off on the court order.  In most cases, if the stipulation is not included in the written divorce documentation then “it didn’t happen.”  The reason the attorneys and the courts spend time drafting these agreements and fighting over the language included in them is because of the lasting and binding effect they have on the parties.  Courts are often unwilling to determine the understanding of an oral (or parole) agreement beyond the scope of the written documentation.  Although the attorneys at Hall and Rustom have facilitated many uncontested divorces at the requests of our clients, we ensure that the opposing party (spouse) is fully aware that our firm does not represent his/her legal interests in the matter.  

b) We both hired the same attorney to represent us.  Should I just share the same attorney with him/her?

It is a violation of ethical rules for an attorney in Illinois to represent two parties who have direct, competing legal interests - also known as a conflict of interest.  Many clients mistakenly believe that the attorney hired by their soon-to-be ex-spouse to draft the marital dissolution documents is also “their attorney”.  Although this attorney may have been retained by your spouse to draft documents that you and your spouse have purportedly come up with together, this attorney is still obligated to look after his/her client’s best interest; therefore, the attorney is obligated to make sure that the client who hired him/her (your soon to be ex-spouse) is the party who is fully informed and protected.  They are also legally obligated NOT to give the opposing party (the other spouse) legal advice regarding the divorce.  This is why it is highly advisable to hire your own attorney to protect your interests in even an uncontested divorce.  At the very least, the attorney can review and advise you of the legal documentation already drafted in your divorce.  The cost effectiveness and efficiency of the uncontested divorce are still maintained, but you walk away with the assurance that your legal interests are protected. 

c) We just agreed that he/she won’t have to pay child support.  If I want child support later, I can always get them to pay later, right?

Illinois law provides that child support is a vested right of your children, not the parents.  Therefore, despite what the parents may believe, they cannot use child support as a bargaining chip to negotiate the terms of their divorce.  Illinois mandates certain amounts of child support percentages depending upon how many children are born to the marriage.  This amount may be altered if the JUDGE, not the parents, find a justifiable reason to DEVIATE from the standard guidelines.  If the parties choose to ignore this fact, and further choose to unjustifiably lessen a child support obligation of a given parent, the court may void the enforceability of the divorce documentation.  Further, there are time restraints as to how long a party to a child support battle will have to wait to modify a final judgment/agreement by the court.  In most jurisdictions, if you want to change a final order by a judge in Illinois, the parties must wait two (2) years before filing the petition to modify support/custody/etc. unless compelling evidence is present to convince a judge. The attorneys at Hall & Rustom work with our clients to ensure that any deviation decided upon by the parties will likely meet the scrutiny of the court prior to the execution of the divorce papers.

It commonly is assumed to simply "go it alone" on, what appears to be, simple family matters.  You should always consult an attorney to determine what appropriate measures can be taken to protect your best interests.  At Hall & Rustom, LLC, we strive to think five moves ahead to protect not only your present interests, but your future interests.  To schedule a free consultation, email attorney Michael Fritz or call (309) 699-4691 to set an appointment. 
 
If you have further questions, please visit our website at www.centralillinoislawyers.com and complete our online submission form. Or, you can call our office at 309-699-4691 or email us at how@howlawfirm.com.






Michael Fritz is a partner at Hall & Rustom, LLC and concentrates his law practice in Family law with great emphasis on Divorce, Child Custody, Child Support, and College Expenses.  He also concentrates in Estate Planning & Administration, and School Law.

If you have a legal question, email Michael Fritz.



  


LEGAL DISCLAIMER

The use of the Internet or this form for communication with the firm or individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form nor should the reader rely on the information listed above as true in all circumstances. This information is provided generally and any similarity between the information listed above and an individual reader's case is purely coincidental.

The attorneys at Hall & Rustom LLC represent clients throughout the entire state of Illinois, including, but not limited to, the cities of Peoria, Morton, Washington, Pekin, Eureka, East Peoria, Dunlap, Metamora, Bartonville, Bloomington, Normal and any legal matter located in Peoria County, Tazewell County, Woodford County, Marshall County, Stark County, Henry County, Knox County and McLean County.

Thursday, December 8, 2011

What should I do after a car accident?


The moments immediately after an auto accident can be highly emotional and sometimes confusing.  But even during these stressful times, there are important matters that need to be addressed by someone not seriously injured in the accident.

The safety and health of everyone involved are always the most important and first concern in any crash.  If you remember only one thing from this article, it should be to do everything possible to make sure serious medical needs are dealt with quickly and completely.

Beyond medical needs, there are also some practical steps that you can take to start bringing order to this chaotic circumstance -- allowing you to successfully address current challenges and prepare yourself in the best possible way for the challenges that lie ahead.
Your actions are important both at the time of the crash and in the days that follow, we have a list of some of the most important things you can do if you're involved in an accident.  

These tips are divided into two categories:  "What to Do at the Scene of an Accident," and "What to Do Immediately After an Accident."  You can find these on our website located at www.centralillinoisattorneys.com or if you have specific questions, visit attorney Fadi Rustom's webpage at http://www.centralillinoislawyers.com/Attorneys/Fadi-B-Rustom.shtml

What do I do at the scene of an accident that I'm involved in?

In the confusion following an accident, remember to take care of all medical needs first.  If you are not seriously injured, the following are ten important things that will help you make sense of a confusing situation and protect yourself and your family, after the fact.

Assess the Situation -- Before you act, take a brief moment to gather basic information from the scene.  What is your own medical condition and the condition of your passengers?  Are there any continuing dangers like fires or oncoming traffic?  Take whatever means are necessary to secure your safety and the safety of your passengers before anything else.

Begin with Immediate Emergencies -- If you and your passengers are safe, then check the driver(s) of the other car(s) involved in the accident and any passengers they may be carrying.  Check for pedestrians, motorcyclists or bicyclists who might have also been injured in the crash.  Again, scan the scene for any immediate dangers and deal with them as necessary.

Call For Help -- With any emergency needs attended to, call for help.  If anyone is injured call 9-1-1 and ask for emergency medical attention to be directed to the location.  If no one is injured, call the local police, sheriff, or highway patrol as appropriate to your situation.

Attend the Injured -- If there are injuries and no pressing danger (fire, etc.) then don't move the injured until medical help arrives.  Instead, stay close by anyone who is injured, keeping them warm, and doing your best to make sure they remain conscious and alert.

Prevent Additional Injuries -- If possible (and allowed by the laws of your state), make every effort to make the roadway safer and prevent additional injuries by moving the cars and providing a clear path for traffic.  If there are any injured passengers who shouldn't be moved or if the cars are unable to be cleared, place flares, warning signs, and/or have someone direct traffic away from the scene.

Report the Facts -- When medical help and law enforcement arrives, immediately report any injuries or ongoing emergencies.  Answer any direct questions they ask about what happened to the best of your ability, but remember most insurance companies advise you -- do not admit fault (you may not know all the facts) and do not share your policy limits with anyone.

Collect Detailed Facts -- As the situation begins to calm down, take time to record important information about the accident and those involved at the scene.  Don't distract the EMTs or keep the police from doing their job, but try and get these facts in a safe and respectful way:
  • Get basic information from all other drivers involved in the accident -- include their full first and last names, their driver's license number, and their insurance carrier.  Offer your name, license number, and insurance carrier to other drivers, as well.
  • Get basic contact information from all Passengers and Witnesses including their full first and last name, a phone number, and a driver's license if they are willing to share it.
  • Record detailed information about each vehicle involved in the accident -- include model, make, color, and year (if possible).  Record the license plate number for each vehicle.   Describe the damage to the vehicle and make note of the driver and the passengers who were travelling in that car (truck, motorcycle, etc.).
  • Get the first and last name, badge number, and report number (along with a copy of the report, if possible) from the officer in charge at the scene.  If there was an EMT team or medical personnel present, try to get at least one name and the company name.
  • Make a drawing(s) that represents the crash scene -- draw arrows to indicate the movement of vehicles and the position of witnesses.  Identify vehicles in your drawing by make, model, color and license number.  Identify people by first and last name.
  • Take photos to document the scene -- make it a point to carry a small, disposable camera  in your glove box, or use your cell phone if you have a built-in camera feature.  Take as many photos as you need, but be sure to capture any visible skid marks and take close-up shots of any and all property damage.
Secure Your Vehicle for Transport -- as events wind down, make it a point to remove or secure any valuables or important personal items from your vehicle if it is going to be towed from the scene.  Be sure to either designate, or get detailed information about, where your car is taken.

Contact Your Insurance Agent / Company -- if you're able, take time to make a brief call to your insurance agency and let them know that you've been involved in an accident.  Explain the situation to them and ask if they have any advice or special instructions for you while you're on the scene.  Let them know that you'll be contacting them with more details later.

Write a Detailed Account -- As soon as you can after the accident, write a detailed report of what you remember of the event.  Include details that you recorded at the scene.  Be sure to include the time of day and weather and road conditions at the time of accident in your report.  Remember, the longer you wait, the more details you are likely to forget.

Emergency Kit

Preparing an emergency kit before an accident may make an important impact on what happens when an accident actually occurs.  Take the time to gather a few simple items now and keep them ready in your car or truck.  Think through some of the specific things you or a loved one might need on site in case of an emergency.  Do you have special medical or dietary need?  Do you need to carry an emergency supply of your prescription medication?  Here's a short list that would be a good start for any kit.
  • Accident Checklist / Information Sheet
  • Basic First Aid Kit
  • Flares / Warning Signs
  • Flashlight
  • Disposable Camera
  • Pad and Pencil / Pen
KEY STRATEGY -- BE PREPARED --Before an accident ever occurs, take the time to prepare an emergency kit and keep it ready in the glove box or another storage area in your vehicle.  NEXT STEP -- Pick a date on the calendar right now and make it a priority to have a basic kit in your car by that date.

What do I do after an accident?

Preparing a Plan

Once you've dealt with the immediate issues at the scene of the accident and had some time to rest and regroup, it's important to prepare a plan for what's next.  Even a simple accident can become complicated by the need to work with law enforcement, multiple insurance companies, doctors, hospitals, other health care providers and, at times, lawyers representing both you and the drivers of the other vehicles.
In an auto accident, especially one involving serious injuries, you should develop a plan of action in the following five areas:
  • Medical
  • Work / Employment
  • Insurance
  • Social Benefits
  • Legal Issues
Medical

Mild to Serious Injuries -- the most important issue in any accident is the health and well-being of those who  may have been hurt or injured.  That means the most important part of your plan should be to first get treatment for any immediate or life-threatening conditions and then take steps to find the right doctor or specialist who can correctly diagnose & treat your long-term condition.

Automobile Accidents can cause specialized injuries that range from relatively minor conditions like lacerations or sprains, to more serious injuries like broken bones, spinal cord injury, brain injury, and internal organ damage and/or bleeding.  For these more serious injuries it's essential to find a doctor who specializes in your injury.

Work / Employment

Your ability to return to work after a car or truck accident will depend on the seriousness of any injuries and the need for on-going medical treatment.  If you are unable to return to work because of your injuries, it's important to contact your employer as soon as possible.  If you are unable to contact them yourself because of your injuries or treatment, then have a friend or family member make this important call for you.  Remember to communicate to the employer that you have had an accident and are medically unable to return to work.  Eventually they will want some verification from your doctor for their records.  Your doctor's office or the hospital should be able to easily provide whatever is needed. 

When you've reported your medical status, then ask to speak to someone about how your accident and your job intersect.  Either during this initial contact or within a short time of your call, a company representative should be able to give you some basic information and answer any questions you have on the following topics:
  • Your job status while you are out of the office / worksite because of your injury
  • How many medical accident / injury leave days you have available (if any)
  • Your company health insurance (if any) and what it covers
If your accident occurred as a part of your work duties, then you will also need information about Workers' Compensation Insurance.

KEY STRATEGY --Before you contact your employer generate a list of relevent questions.  Be sure to cover the issues above and any additional concerns you think of.  Take good notes during the call and write a short summary afterwards to help you remember  what you discussed and any important information or next steps.

Insurance

If you haven't already contacted your automobile insurance carrier, then you should make this the next step in your plan.  The major issues that you're going to have to deal with in terms of insurance are: 
  • Personal Injury Protection (PIP) -- this insurance covers your loss due to an injury no matter who was at fault in the accident.  For that reason, it is often called "No-Fault" Insurance.  Mandatory PIP insurance coverage varies from state to state.
  • Property Damage -- this is the insurance that will cover damage to the vehicles involved in the accident as well as any other property that might be affected.
  • Bodily Injury Liability / Health or Medical Insurance -- this is the insurance that will cover medical treatment and rehabilitation bills related to the accident.  Coverage may be part of your auto insurance policy or from your personal or work-related health insurance.
  • Claims Strategy -- if you have car insurance, personal health insurance, and/or are covered by your spouse's workplace insurance, then there are multiple policies where you might be able to file your claim.  Different carriers may offer very different results for exactly the same accident, so it's important to know your options and file correctly.
KEY STRATEGY --Most insurance coverage is limited to a certain financial payout per accident.  If you're involved in a complicated accident involving multiple vehicles and serious injuries, each injured person has a potential claim against that single limit.  It's important to register your claim quickly to make sure that you and your family are protected.

Social Benefits

In the case of a serious or catastrophic accident where an injured person is either temporarily or permanently disabled, it's important that social benefits (Social Security Disability Insurance, Medicare, Medicaid, Workers' Compensation, etc.) come on-line immediately.  These benefits, even though small, are still a reasonable safety net for anyone who is injured and their family and can make a difference in their financial well-being. 

Remember that these government benefits are not necessarily on-going and are constructed in a way that as soon as money starts coming in from another source (an insurance settlement, legal damages, etc.), they start going away -- dollar for dollar.  There are several important strategies to consider when applying for social benefits and/or receiving any money that is connected to your accident.

Legal Issues

In almost every motor vehicle accident there will be some legal issues to address.  Legal matters can range from simply dealing with a police officer or technician on the scene all the way to a series of multi-year lawsuits involving a combination of various drivers, insurance companies, automobile, and other product manufacturers, etc.

For a simple accident with clear fault, minor damages, no medical injuries, and responsive insurance carriers, you will likely be able to handle all matters without the need for an attorney.  If your accident, however, resulted in considerable property damage, some medical injuries, difficulty with one or more insurance carrier, and/or a question of who is at fault, then there is a good chance that you will need to consult with an attorney about your rights and advice about what to do next.  If your accident resulted in serious injury or death then you should begin the process of looking for legal counsel immediately.
For more information and to learn more about protecting your rights, please visit Hall & Rustom, LLC's website: www.centralillinoisattorneys.com or if you have specific questions or would like to consult with an experienced attorney, visit our personal injury attorney Fadi Rustom's webpage at http://www.centralillinoislawyers.com/Attorneys/Fadi-B-Rustom.shtml