Bad Faith Causes of Action
- Common Law
- Statutory
- Breach of Contract
Non-party designation deadline
90 days after complaint is filed
Defendant Answer Deadline
21 days
Deadline to Serve Process
63 days
Deadline to file proposed CMO
7 days before CMC and 42 days after at issue
deadline to file initial disclosures
28 days after at issue
deadline to file initial expert disclosures
126 days before trial
CGIA Notice Deadline
182 days
Number of interrogatories allowed Rule 16
30
Number of Requests for Production allowed Rule 16
20
Number of Requests for Admission Allowed Rule 16
20
What does EDR record?
Vehicle speed, brake and throttle usage, airbag deployment, delta-v, engine RPM, activation of safety systems
FTCA Statute of Limitations
2 years. If the agency denies the claim or fails to resolve, claimant has 6 months from date of mailing final denial
FTCA attorney fee cap
25%
Rule 16 and Rule 16.1 differences
16.1 has:
6 hours max depos. 5 requests for production only. No CMC. Earlier trial.
FCE
Functional capacity exam - measures client's ability to work
10-1-135 Notice Requirements
Sum of recovery, applicable limits, all sources of potential recovery, costs
When to consider a structured settlement
To preserve client's SSI or Medicaid benefits
Types of Structured Settlements
Special needs trust. Structured settlement
What cars have EDR data?
98% of cars since 2013
Statements given within how many days of the crash are not admissible?
15
Releases given or settlements negotiated within how many days are void?
30
Can you sue a public entity for improper signage?
Damaged, missing, or improperly placed signs, yes. Engineering, design, or location, no.
CGIA allows claimant to sue for:
operation of owned or leased vehicle, dangerous condition of any building, dangerous condition of any public highway
Does govt entity need to be on notice of conidition?
Yes; knew or should have known.
Admissibility of prior DUI
??
Admissibility of recorded statements by insurance companies admissible?
Yes; as ordinary conduct of business, not attorney-work product
when can you add punitive damages to a complaint and for what?
after initial disclosures and for fraud, malice, or willful and wanton conduct
negligent entrustment standard
person knew or had reason to know that the person would likely use the vehicle in a manner involving unreasonable risk of physical harm
when can there be joint and several liability in car crash?
under vicarious liability
what is the contract exception to the collateral source rule?
There is no setoff for benefits received by plaintiff resulting from a contract entered into and paid for by the plaintiff. And this includes Medicaid by case law.
Can defense pursue a failure to mitigate if client does not have surgery?
No, the standard is reasonableness
gofundme set off from jury verdict?
Only if legit restrictions or limitations are placed on the funds, which is likely not possible, so no. Probably treated as a monetary gift.
Non-economic damage cap?
$613,760
Wrongful death cap?
$613,760
What is solatium and the cap
damages to family members for grief, emotional distress. $114,370.00
Dram Shop cap
$368,260.00
wrongful death cap exception?
felonious killing exception for reckless: the killing of the decedent by an individual who, as a result thereof, is convicted of, pleads guilty to, or enters a plea of nolo contendere to the crime of murder in the first or second degree or manslaughter.” In civil proceedings a criminal conviction is not required because “a court of competent jurisdiction, upon the petition of an interested person, shall determine whether, by a preponderance of evidence standard, each of the elements of felonious killing of the decedent has been established
Can you sue driver for damages caused by subsequent doctor negligence?
Yes because it's a foreseeable consequence
Admissibility of police report
CRE 803(8) the report itself, but hearsay within police report are not admissible unless they fall under an exception, and officer's opinion on fault might not be admissible
General v Special damages
General = non-economic damages. Specific = economic damages.
Can you pursue defendant's insurance policies if defendant dies?
Yes, normal SOL applies
wrongful death v survivorship action
wrongful death is for the actual death and includes economic and non-economic losses; survivorship action continues the deceased person's injury claim and can recover economic damages only.
Can you bring both a survivorship action and a wrongful death action?
Yes
If plaintiff accepts offer of settlement, is defendant entitled to a release?
No, because the acceptance is a binding settlement agreement, and additional terms cannot be added to settlement.
"Use of vehicle" two-prong test
1) used in manner not foreign to its inherent purpose and 2) unbroken causal chain exists between use and injury.
Pedestrians get UIM coverage?
Yes
Motorcycles get UIM coverage?
Yes. Motorcycles are statutorily described as a motor vehicle.
Under what circumstances can a UIM carrier be bound by a BI settlement?
If they had notice of the suit.
Work Comp + Third-party notice requirements
Must notify Division of WC within 10 days of demand and must notify parties 20 days prior to filing a lawsuit.
Can a payer of benefits bring a direct claim against torfeasor?
Yes, if injured person has not filed suit within 60 days of SOL
Driver and passenger work for azar and are in car crash while doing a job. Can the passenger sue driver?
No. Exclusivity doctrine of work comp.
Colorado Unfair Claims and Deceptive Practices Act - Examples
misrepresentations, unreasonable delays, undervalued offers, failure to investigate, partial or misleading settlements, discrimination or bias
Admissibility of Felony Conviction
Yes if probative value outweighs prejudice. CRE 609 and CRE 403
Admissibility of Misdemeanor Conviction
Yes if involves dishonesty or false statement. CRE 609
What is a survivorship claim and what damages can be claimed?
Claim brought by deceased-injured person's family - economic damages only.
"on account of the use of a motor vehicle as a motor vehicle" for purposes of UIM coverage definition
injury that forms the basis of the claim is causally related to a conceivable use of the insured vehicle that is not foreign to its inherent purpose. To establish the requisite causal relationship, the claimant must establish that the accident would not have occurred but for the vehicle's use [in a manner that is not foreign to its inherent purpose]. Cung la case.
Brekke and Progressive Direct v. Ortiz
Limits insurers’ ability to use “actual trial” clauses to block default judgments in UM cases and ensures UM insurers can participate meaningfully in tort litigation. Requires UIM carriers to plead liability or comparative fault specifically or bars them from defending liability and damages in a default hearing, for example.
Barriga v. Allstate
Bad faith damages cannot be reduced by benefits delayed, but ultimately paid
Calderon
No offset for Medpay
Fisher Case
In claim for UM/UIM benefits, undisputed benefits need to be paid to insured
Guarantee Trust Case
The survival statute does not limit damages for bad faith claims, as bad faith claim damages are considered "actual damages" and are thus recoverable.
Rooftop Construction Case
Penal SOL of 1-year does not apply to bad faith claims
Tubbs case
Clauses that say BI coverage needs to be exhausted before UIM benefits are paid are void.
Bashor / Nunn / DC-10 cases
Third-party tortfeasor can assign their bad faith claim of insurer failing to settle within policy limits to the injured party, allowing injured party to claim excess (beyond policy limits) against third-party insurer.
schultz v GEICO
In a bad faith, conduct of insurer must be evaluated based on the evidence before it when it made its coverage decision
SSDI OR SSI benefits - which can be affected by settlement?
SSI because it's "needs based"
Disc protrusion v. herniation
Protrusion = bulge = pushes against the annulus fibrosus
Herniation = extrusion - annulus fibrosus tears, allowing nucleus puplosus to enter spinal canal, causing nerve compression
DSM5 TBI symptoms
"post-concussive" no longer used as terminology.
Loss of conciousness
Posttraumatic amnesia
disorientation and confusion
Other neuro signs
Plus decline in at least one of six cognitive domains:
Complex attention, executive function, learning and memory, language, perceptual motor skills, and social cognition
johnson v. trujillo - mental health claim
generic, garden-variety claims of mental anguish and related damages do not waive physician-patient and therapist-client privileges
Sunahara v State Farm
Collateral payments inadmissible
volunteers of america v gardenswartz
Contract exception to collateral source rule - no setoff for collateral source payments made for health insurance contract plaintiff's purchase
walmart v cosgrove
CO supreme court held that pre-evidentiary collateral source payments are inadmissible. Declining trial judge's ruling that they are evidence of "reasonable and necessary value of services rendered"
MMPI Test - What is it and who performs
Minnesota Multiphasic Personality Inventory test by Neuropysyche. It's a psychometric test designed to assess personality structure and identify mental health conditions. It can find malingering/faking. 10 scales test for major pyschological conditions such as depression, paranoia, and schizophrenia.
Can opposing counsel look at MMPI data?
No. Only qualified neuropysche
TOMM test
Test of Memory Malingering - 50-item test to detect malingering or genuine memory impairments.
Waddell's signs
Test to find malingering - clinically significant when 3 or more of the 5 DORST categories are positive. Tenderness, simulation, distraction, regional disturbances, and overreaction
Complete v Incomplete spinal cord injuries
Complete - no functioning or feeling below injury
Incomplete - some function and/or feeling below injury
Epidural steroid injection
In this procedure a combination of steroids and numbing agents such as lidocaine are injected in the epidural space. The epidural space surrounds the dura. The dura is the sac that contains cerebrospinal fluid, the spinal cord and nerve roots. Nerves branch off the spinal cord and travel through the epidural space before extending toward the extremities. ESI is done to relieve pain caused by irritation/inflammation of these nerves.
Facet injection
injection of the facet joints with steroids and numbing agents to relieve pain associated with inflammation/irritation of the facet joints. May provide temporary or permanent pain relief.
Medial Branch Block
an injection that is primarily diagnostic in nature. An anesthetic is injected near small medial nerves connected to specific facet joints. If the block provides at least a 50% reduction in pain it is considered to be diagnostic for identifying the facet joint as a pain generator. A successful, diagnostic MBB is a prerequisite to an RFA.
Radial frequency ablation
(also known as rhizotomy) uses an electrical current to heat up a small area of nerve tissue to decrease pain signals. The nerve can grow back so RFA’s may need to be repeated every 6 to 12 months.
Discectomy
A procedure to remove herniated disc material that is pressing on a nerve root or the spinal cord.
Laminectomy
surgery to remove the back of one or more vertebrae, usually to give access to the spinal cord or to relieve pressure on nerves.
ACDF
Anterior cervical discectomy and fusion is a procedure where the spine is approached from the front, disc material is removed, and bone graft material and hardware is placed to help vertebrae fuse together. Its purpose is to relieve pressure on the nerve roots or spinal cord.
ALIF
Anterior lumbar interbody fusion is a procedure where the spine is approached through the front of the body and a bone graft is placed to help vertebrae fuse together. Usually, disc or bony material is removed as part of the procedure. Its purpose is to relieve pressure on the nerve roots or spinal cord.
PLIF
Posterior lumbar interbody fusion is a procedure where the spine is approached through the back of the body and a bone graft is placed to help vertebrae fuse together. Usually, disc or bony material is removed as part of the procedure. Its purpose is to relieve pressure on the nerve roots or spinal cord.
Axial Plane
Cutting across body from side to side
Sagittal plane
Cutting body in half straight down from the top of the head between the eyes
coronal plane
cutting the body in half from the head down from ear to ear
MRI v CT
...
Cauda Equina
the bundle of spinal nerve roots at the bottom of the spinal cord
Conus Medullaris
the bottom of the spinal cord above the Cauda Equina (cord usually ends around L1-L2)
Anterior longitudinal ligament
this ligament runs the entire length of the spine from the base of the skull to the sacrum. It connects the front of the vertebral body to the front of the annulus.
Posterior longitudinal ligament
this ligament also runs the entire length of the spine from the base of the skull to the sacrum. It connects the back of the vertebral body to the back of the annulus fibrosis.
Thecal sac
also known as the dura. A protective membrane surrounding the spinal cord and nerves
Intervertebral disc
the “shock absorbers” which separate each vertebral body. The disc is made up of a core of jelly-like material called the nucleus pulposus. The outside of the disc is called the annulus fibrosis.
Spinal Stenosis
abnormal narrowing of the spinal canal which causes pressure on the spinal cord and spinal nerves and nerve roots. It can result in a neurologic deficit including pain, numbness, paresthesia or loss of motor control. Spinal stenosis can be caused by disc herniation, degenerative disc disease (aka arthritis, arthropathy or arthrosis). Spinal stenosis can also be caused by fractured vertebra, tumors or a condition when one vertebra slips forward on another called spondylolisthesis.
Spondylosis
spinal degeneration accompanied by pain. Often used interchangeably with spinal arthritis or arthrosis. Can be used to describe general wear and tear associated with aging.
Spondylolysis
a stress fracture in one of the vertebra, usually L5 but occasionally L4.
Spondylolisthesis
occurs when vertebral fracture causes one vertebra to shift out of place
Degenerative Disc Disease (aka DDD
a degeneration of one or more intervertebral discs in the spine.
Bone spurs
an overgrowth of bone. Also called an osteophyte.
Facet joint
(also known as the zygapophysial joint) joints between the articular processes of two adjacent vertebrae.
Sciatica
Pain radiating along the sciatic nerve, which runs down one or both legs from the lower back.
Radiculopathy-
pain caused by irritation or compression of nerve as it exits the spinal column. Signs and symptoms include pain, numbness, tingling or weakness in the arms or legs. Usually radiates along the course of the specific spinal nerve root.
Myelopathy
a neurologic deficit related to the spinal cord. It is also sometimes used to describe compression of the spinal cord.
TOS
Thoracic outlet syndrome is a group of disorders that occur when blood vessels or nerves in the space between your collarbone and your first rib (thoracic outlet) are compressed. This can cause pain in your shoulders and neck and numbness in your fingers.
Superior
Top
Inferior
Bottom
Anterior
Front
Posterior
back
distal
away from center of mody
proximal
closer to center of body
caudal
towards feet
cranial
towards the head
medial
towards middle
lateral
towards outside of body
Symptom v sign
symptom is subjective feeling of patient; sign is objective observation of provider
Deadline for 16(b)(3) conferral call
no later than 14 days after case is at issue
CRCP 8
General rules of pleading. Claims for relief. jurisdiction, why entitled to relief. demand for judgment for relief.
CRCP 8 for defense
Affirmative defenses, mitigating circumstances, form of denials, effect of failure to deny
CRCP 26
General provisions regarding discovery - duty of disclosure
CRCP 26 Disclosure requirements
- name, address, and phone number of those that may have discoverable infromation
- a listing of subject matter and location of all documents
- listing of categories of damages
- any applicable insurance agreement
CRCP 121
Outlines statewide practice standards, including duty to confer, briefing schedule, page limits, and e-filing info. "CRCP 121 Certification of conferral"
Hawkins v District Court
Investigative reports and witness statements compiled by insurance adjuster are discoverable and not privileged
Lazar v Riggs
Insurer bears burden of proving that a document was prepared or obtained to defend the specific claim and whether or not at the time of preparation, there was a substantial probability of imminent litigation