Dedicated to providing reliable information on the law, legal services, and the legal community in and around Douglasville, Georgia.
Wednesday, May 27, 2009
Sitting and Waiting in Court
Monday, May 18, 2009
Fighting Back Against Insurance Companies
Don’t you hate getting taken by insurance companies? I know most folks do. You pay them tons of money, for years at a time, and then when you need them, they turn their back on you. Insurance companies love to take your money, but they hate to pay your claims. They pull out every exclusion and nickel and dime you to death. Well, you can fight back, and here’s how.
In
Let’s illustrate with a real world example. You have a homeowner policy with ACME insurance. The policy insures you against theft of items taken from your home. Someone breaks in your home and steals $4,000 of your stuff. You file a claim with your insurance company, and they refuse to pay. On top of refusing to pay, the “Special Investigator” also insinuates that you may be attempting to commit insurance fraud by filing this claim. At this point, you’ve got two options.
Option 1 is probably the most commonly pursued and the one the insurance company is betting on. You’re mad, insulted, but also busy as heck. It’s just $4,000 and you figure, “It’s just not worth it. They’ve got all the money and power.” So you do what the insurance company predicts, what their mathematical studies indicate is most likely, and you just walk away. They Win. You Lose.
Option 2 is Fighting Back. You talk to an Attorney about O.C.G.A. § 33-4-6. You send ACME a proper demand. The Attorney chews on the “Special Investigator”, the 60 days pass, and your Attorney files suit against the insurance company. The insurance company then sends you a check for $4,000 and you say thank you very much, but we’re still going to teach you a lesson. One of the great provisions of 33-4-6 is that payment after the 60 day window isn’t a defense to the bad faith claim. The insurance company refuses to settle your “Bad Faith” claim. You go to trial, pick a jury, and tell them what a terrible company ACME is. They award you the extra $5000 (because $5000 is greater than 50% of $4000), plus Attorney’s Fees.
I like Option 2.
Saturday, May 16, 2009
Obstruction (or Destruction) of Justice
When you hear the term "Obstruction of Justice", what pops in your mind? If you are like most law abiding citizens, you probably think of a group mobsters trying to intimidate witnesses or a secretary deleting computer files seconds before a search warrant is served.
Well, the purpose of today's entry is to recalibrate your thinking. The crime or charge commonly referred to as "Obstruction of Justice" should really be called "Making a Police Officer Mad." If you find yourself in a situation where you make a police officer mad, the odds are pretty good that you are going to get charged with Obstruction of Justice. In
Obstructing or hindering law enforcement officers:
(a) Except as otherwise provided in subsection (b) of this Code section, a person who knowingly and willfully obstructs or hinders any law enforcement officer in the lawful discharge of his official duties is guilty of a misdemeanor.
(b) Whoever knowingly and willfully resists, obstructs, or opposes any law enforcement officer, prison guard, correctional officer, probation supervisor, parole supervisor, or conservation ranger in the lawful discharge of his official duties by offering or doing violence to the person of such officer or legally authorized person is guilty of a felony and shall, upon conviction thereof, be punished by imprisonment for not less than one nor more than five years.
Most Obstruction charges arise when people run from police. If you run, you will be charged with Obstruction. What is more interesting is that it doesn't matter if you actually did anything wrong, initially. If an officer has a valid reason for stopping you (an articulable suspicion), and you decide to take off running, you have just hindered his lawful discharge of official duties and you will be charged with Obstruction.
Also, if you lie to a police officer, you will be charged with Obstruction. (lying to him/her is also likely to make them mad). Duke v. State, 205
What that average citizen really needs to understand is the criminal liability associated with "touching" a police officer. If you touch a police officer during the commission of his/her duties, then you may be charged with felony obstruction, which carries a maximum of five years in prision. Felony obstruction requires that you actually do violence or offer to do violence towards an officer. If you touch a police officer, he will conclude that is violence.
As an example, let's assume that you are watching a 6' 4" officer that weighs 240lbs arrest your pregnant 5' 2", 120lb pregnant daughter. The officer has your daughter down on the ground with his knee in her back while she screams for you to help her because she can't breathe. If you touch the officer and ask him to stop, you will be charged with felony obstruction.
So what’s the moral of this BLOG? It’s simple, “Don’t make a Police Officer mad.” If you do, the odds are very good that you will find yourself arrested.
If you need help, call me at 678-383-1690 or visit my website at www.napierlawllc.com. If for whatever reason I can't help you, I'll point you in the direction of someone who can.