The law requires drivers in the Commonwealth of Pennsylvania and New Jersey to maintain a certain minimum level of liability coverage with regard to any automobile.  That coverage serves the important function of providing a fund from which an injured person may recover for injuries caused by the negligence of the person securing the coverage known as the “insured”.  Liability coverage also serves the equally important role of protecting the insured’s personal assets by providing a monetary barrier between the claims of an injured person and the personal assets of the insured  

Some other provisions of an automobile policy which get far less attention, however, are also designed to protect the insured as opposed to someone injured by the insured’s negligence.  Policy provisions such as “stacking”, the limited tort option (known in New Jersey as the “verbal threshold”) and uninsured/underinsured protections are critically important to the insuring relationship and may be the difference between a successful recovery and a recovery which is not enough to satisfy your own medical bills, even if you are involved in an accident caused by the negligence of someone else.  “Penny wise and pound foolish” is a dangerous proposition when it comes to automobile coverage.

We recently and successfully tried a week long jury trial in the Bucks County Court of Common Pleas where the predominant issue in the case was the clients’ election of the limited tort option in his auto insurance policy. By choosing the limited tort option, the client had relinquished his right to bring suit against anyone whose negligence may have caused him to be injured,  unless the accident resulted in a “serious impairment of a bodily function”.  In our case, the client had suffered a mild traumatic brain injury – a concussion.  Unlike the majority of individuals who suffer such injuries, our client did not recover as expected, and continued to suffer mild neuropsychological deficits such as difficulty in word finding and rapid processing of information. Notwithstanding those deficits, the client was able to return to his normal occupation.  Because our client had chosen the limited tort option, the tortfeasor’s insurer refused to make any offer of settlement whatsoever based on his neuropsychological deficits, offering only to satisfy the client’s lost wages.  Our negotiating position on behalf of our client in settlement discussions was clearly disadvantaged since the insurance company knew there was substantial potential that the very specific and nuanced nature of the injury would be difficult for a jury to grasp, and might lead a jury to conclude the client had not suffered a “serious impairment of a bodily function”.  While we were successful at trial, the matter is one which should and would have been resolved in settlement but for the election of limited tort coverage by the client.  Had our client invested in full tort coverage, he would have been spared an emotionally taxing and all-consuming trial on merits and damages.

On November 17th, Patricia Collins, Esquire, a Partner with Antheil Maslow & MacMinn, LLP in Doylestown, will participate as an instructor at McCloskey Partners’ Crash Course - HR BOOTCAMP held from 9:00 AM – 3:00 PM at Stay Bridge Suites in Montgomeryville.  The program covers areas including: FLSA requirements, recruiting and hiring, managing within the law, the importance of the HR audit, documenting, disciplining, delegating and termination of employees, Workers Compensation, the importance of the HR Audit, communication / conflict resolution, benefits basics, social media policies, and many other important topics for employers.  
 
Heather McCloskey will moderate this training event designed specifically for small-to-medium sized companies. In attendance will be business owners, professionals who handle HR as one of their varied responsibilities, entry-level HR employees and managers that in addition to their other tasks handle HR as well.

Participants may register by contacting denise@mccloskeypartners.com or 215-716-3035 x 700.

On October 4, 2016, Governor Wolf signed into law new legislation that will change the separation requirement from a two year waiting period to one year.  The law goes into effect on December 3, 2016. Under current law, the Divorce Code provides that in cases where only one party desires a divorce, that party must wait two years from the date of separation before they can move the matter forward.  At that two year mark, the party who is seeking the divorce can move the matter forward without the non-consenting party’s agreement.  The longer waiting period  has often  led to cases dragging on for too much time, which can lead to more animosity between the parties.  For children involved in the separation, this has often had a negative impact.  As a result of the passage of this new law, the hope is that cases will resolve much more quickly.

It should be noted, however, that at the one year mark from the date of separation, the case is not resolved, but rather at that time the case is permitted to proceed.  It is by no means a guarantee that the process will not be lengthy from that point forward.

 Stay tuned for updates as we see how the law is applied by the courts.

Patty Collins, a Partner with Antheil, Maslow & MacMinn, will be joined by Cindy Bergvall, CPA,  of Bee, Bergvall & Co. for a panel discussion on new Department of Labor overtime regulations and their impact on employers.  This informative breakfast seminar is hosted by The Catalyst Center for Nonprofit Management on October 7th at Aldie Mansion in Doylestown.  There is no charge for this event, but registration is required. 

These new regulations will require action from almost every for-profit and not-for-profit organization with employees earning less than $47, 476 per year. Participants will learn about the changes in the law and what organizations will need to do when the law goes into effect on December 1, 2016.