Showing posts with label CIVIL. Show all posts
Showing posts with label CIVIL. Show all posts

Sunday, August 23, 2009

CIVIL: Nevada Supreme Court Sides with Cigarette Company--and I Agree with Them

A man named Joe lost his wife in 1999 to brain cancer. The wife, Pam, had smoked for thirty years, starting in 1969, until she got lung cancer, which lead to her brain cancer. Back when Pam started smoking, cancer-stick companies only had to put general health warnings on the packages. It wasn’t until the 1980s that the warning labels had to include the threat of cancer.


Joe then did the American thing; he sued the manufacturer of Pam’s particular brand of coffin nails, Phillip Morris, in a Nevada federal court. He, or his attorney, told the court that Phillip Morris is strictly liable for Pam’s death. Strict liability is a lawsuit claim used when a business sells a dangerous product. If Joe can prove that Phillip Morris caused Pam’s death, Phillip Morris will have to pay. But Joe did not want to have to prove his case. Instead, he wanted the Court to make Phillip Morris prove that they did not cause her death. Usually a Plaintiff has to prove his case, but here, Joe figured the wicked Phillip Morris must disprove its case without Joe having to prove the normally required element of causation.


Joe basically wanted the court to tell the jury that the jury could presume that if the cigarette packages had the cancer warning when Pam started smoking, she would not have started smoking. In other words, Joe wanted the jury to assume from the beginning that Phillip Morris is in the wrong and Phillip Morris then had to prove that it was not in the wrong. Somehow, Phillip Morris would have to provide evidence that Pam would have smoked their cigarettes even if the cancer warning label had been on the packages--clear back in the 1960s. Come on now, that was the 1960s, dude. Do you really think a lot of the young people back then would have listened to warnings? I mean, gosh, wasn’t that the time of experimental drug use. Also, wasn’t the military actually handing out packs of cigarettes to the soldiers?


Anyway, Phillip Morris did not want to have to try to prove to a jury that Pam would have ignored the warning labels. They told the federal judge that this “heeding presumption” should not apply in this case. A heeding presumption is what I’ve been talking about--a jury may presume that a person would have heeded a warning if a warning had been given and the defendant then has to try to prove that the person would not have heeded the warning. It’s almost like a religious person asking an atheist to prove that God does not exist.


Well, since this is a federal case in Nevada and the federal judge did not know what to do, the judge decided to ask the Nevada Supreme Court what it thought. Does Nevada condone “heeding presumptions” like some other States do? The Nevada Supreme Court answered, “No!” Phillip Morris therefore won this little skirmish. Joe would have to prove causation.


You might ask why the Nevada Supreme Court would side with the manufacturers of death on this issue. Well, our scholars in black robes said that a heeding presumption is contrary to Nevada law and public policy. The Nevada Supreme Court is correct on the law issue. Nevada has never allowed heeding presumptions. And, I believe their point about public policy is sound too.


Joe said that other States have heeding presumptions because it forces companies to better label their products, and therefore heeding presumptions are good for the public, so they are good public policy. If companies knew they could be sued for not properly labeling their dangerous goods, then they would label them better.


Nevada is smarter than those other States, though, because we tell the companies that sell stuff here to make sure the stuff isn’t dangerous in the first place. If it’s not dangerous, then why would you have to warn? In other words, the public is safer when companies can be sued for strict liability. Warning labels do not make us safer, safer products do. I’ll end this with a Supreme Court Justice’s quote from the case:


[…] we strongly adhere to the principle that a manufacturer must make products that are not unreasonably dangerous, no matter what instructions are given in the warning. Therefore, we conclude that it is better public policy not to encourage a reliance on warnings because this will help ensure that manufacturers continue to strive to make safe products.


If you still want to read this long, boring Nevada Supreme Court decision after I have taken all the trouble of explaining it, you may. The decision is called Rivera v. Phillip Morris, and it was decided in June 2009.


Copyright: August 23, 2009
By: Anthony M. Wright, Juris Doctor

Friday, August 21, 2009

CIVIL: Win Some, Lose Some—Suing Insurance Companies can be a Roller Coaster Ride

If your mother, we’ll call her Barbara, was involved in a car accident with another negligent driver, we’ll call him Bellville, and she later died from her injuries, you might want to sue for her wrongful death. Let's say you do sue and Bellville’s insurance company ponies up $1,000,000.00, which is the entirety of Bellville’s policy (or what we call the limit). Now, you are still upset and you think $1,000,000 is not enough for the life of your beloved mother—besides, your personal injury attorney received anywhere from a quarter to a half of it and medical bills also were deducted.

You quickly realize that you have your own insurance policy which has “under-insured motorist” coverage, abbreviated to “UM”. Hey—your mother was worth more than $1,000,000 and so clearly the other driver was under-insured because his policy limit was a measly one million. You, or your lawyer, cleverly decide to try to get your insurance company to pay more with the idea that your insurance company should pay you for the death of your mother.

Your mean-spirited insurance company then says, “No way! Your under-insured motorist coverage only pays you when someone hits you. It does not pay you if someone hits your mother. Your mother was not insured under your policy.”

But then you, or your brilliant attorney, argue that you ought to still be entitled and so you sue your insurance company under that theory. And, voila, your local elected judge agrees with you! Magic! You are entitled to more compensation! Did you see that coming? Well, many lawyers might see that coming since elected judges answer to citizens who vote and also gossip with other citizens about a judge’s merit, but insurance companies are not citizens who vote (but let us not get too carried away with local politics because insurance companies lobby congress and probably buy legislative votes on laws that favor them on a much larger scale than locally).

So, you have won another financial victory in honor of your dead mother. Or have you? Don’t celebrate too quickly. The insurance company appeals the district court judge’s ruling in your favor and the mean-spirited Nevada Supreme Court actually agrees with your mean-spirited insurance company. Mean-spirited people often think alike, don’t they? Therefore, the moral of this story is that your UM coverage is for you and others that are listed as insureds in your policy, but do not cover people who are not listed, no matter how near and dear they are to you.

This scenario is more boringly but fully described in the case Allstate Insurance Company v. Fackett.

Copyright: August 22, 2009
By: Anthony M. Wright, JD
www.wrightlawnv.com


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