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Questions About Auto Insurance & Accidents

4422 messages,  Last post on Dec 04, 2009 at 6:46 PM

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#3914 of 4422
Re: Need help fighting auto insurance company [wlbrown9] by Mr_Shiftright HOST
May 16, 2008 (12:22 pm)
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Replying to: wlbrown9 (May 16, 2008 10:30 am)

I don't think it would be too wise to have a lawyer plead your case in small claims court. Some states don't even permit it, and I would certainly recommend against it unless of course you are disabled, deaf, not so good in English, etc. Of course, he could whisper in your ear, that's a bit different. But the whole idea is for the judge (and often they are not judges at all) to guide you through the process, ask you questions, etc.
 
given the natural bias of Small Claims court toward the consumer, having a snappily dressed lawyer berate the judge---well yeah, go shoot yourself in the foot why don't you?
#3915 of 4422
Re: Need help fighting auto insurance company [wlbrown9] by cccompson
May 16, 2008 (2:06 pm)
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Replying to: wlbrown9 (May 16, 2008 10:30 am)

When you are sued in any forum, you notify your insurance carrier and they are obligated to defend. Now, exactly how they might do that is up to them. In the realm of small claims, it might actually be to their advantage to have an adjustor appear on their behalf.
 
While it's true that small claims courts are designed to work without lawyers, if there is a small claims court anywhere in the United States, Mr. Shiftright, that bars an attorney from representing a defendant, I'd like to know what it is and on what authority.
#3916 of 4422
Re: Need help fighting auto insurance company [cccompson] by Mr_Shiftright HOST
May 16, 2008 (4:35 pm)
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Replying to: cccompson (May 16, 2008 2:06 pm)

California bars attorneys from Small Claims Court:
 
http://www.courtinfo.ca.gov/selfhelp/smallclaims/scbasics.htm#bringlawyer
 
And it's my understanding that many states do.
 
Which I agree with, by the way.
#3917 of 4422
Re: Need help fighting auto insurance company [Mr_Shiftright] by cccompson
May 16, 2008 (5:57 pm)
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Replying to: Mr_Shiftright (May 16, 2008 4:35 pm)

Well, contrary to the sweeping language used in the link, attorney representation is not, in fact, barred by Sec. 116.530 of the CA Code of Civil Procedure. The right is, however, limited to very narrow circumstances (not applicable in the OP's situation).
#3918 of 4422
Re: Need help fighting auto insurance company [cccompson] by Mr_Shiftright HOST
May 16, 2008 (6:08 pm)
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Replying to: cccompson (May 16, 2008 5:57 pm)

Oh that's interesting. When do they allow it? Does it say anywhere? I'd like to know that for future reference. I thought it was a real no-no.
#3919 of 4422
Re: Need help fighting auto insurance company [Mr_Shiftright] by cccompson
May 16, 2008 (6:23 pm)
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Replying to: Mr_Shiftright (May 16, 2008 6:08 pm)

Basically, it's only allowed when an attorney is a principal in a law firm or representing her/his self. There's a link to the language on your linked site. Seems like a natural exception.
 
The rule is entirely different here in Ohio - see Sec. 1925.01 of the Ohio Revised Code - where attorneys are always allowed to represent the parties.
 
While I have much sympathy for your view, given the high ($7500?) limit in CA, I sure as hell would not want to have to defend myself without counsel if I was being sued for 5 grand or more.
#3920 of 4422
Actually, the limit by marsha7
May 16, 2008 (6:58 pm)
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of $7500 is quite low, IMO...in GA, Magistrate Court, which allows lawyers, has a limit fo $15K, and I wish they would raise it to $25K...there are many simple citizen cases where damages, whether auto accident, or damages at home, or simple contract damages will easily exceed $10K, which, in litigation today, really ain't a lot of money...
 
If sued for auto injuries, you are obligated, usually, by contract, to notify your ins company...often, they will NOT send anyone to Magistrate Court (small claims court) simply to see how the Judge decides...we have a quirk here in GA, the party that loses in Magistrate Court has the right to appeal within 30 days to one of 2 higher courts, State Court or Superior Court, where rules of evidence apply, and it is a court of record...
 
It is called a "De Novo" appeal, meaning it is a brand new case, so even tho you may have lost at small claims, it is now a moot point, as the process starts over as tho you had never filed suit before...this is where your ins company has lawyers to defend you and they fight the suit on your behalf and pay out if you lose...
#3921 of 4422
Re: Actually, the limit [marsha7] by cccompson
May 17, 2008 (3:12 am)
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Replying to: marsha7 (May 16, 2008 6:58 pm)

Well, my perspective of "low" has been shaped by the limit here in Ohio - $3000.
 
And you raise a good point (at least for the OP) - in reviewing CA procedure, the plaintiff has no right of appeal but a defendant does.
#3922 of 4422
Re: Actually, the limit [cccompson] by Mr_Shiftright HOST
May 17, 2008 (1:33 pm)
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Replying to: cccompson (May 17, 2008 3:12 am)

Yes the defendant can appeal in California.
 
I think the very idea of Small Claims was to keep litigation affordable. If you let attorneys in, that all goes out the window.
 
Small Claims as it is, is a pretty level playing field, which is why I think it's the best source of justice available to a citizen, given the limits of his/her claim.
 
Nor do I think the claims level should be raised in Small Claims. This prevents punitive or endlessly dragged out ligitation on "smaller" matters.
 
Small Claims is for refrigerators, bad paint jobs, modest used car disputes---pretty "cut and dry" stuff. It's not for medical malfeasance during brain surgery
#3923 of 4422
shiftright by marsha7
May 18, 2008 (5:15 pm)
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I agree with you, but medmal cases are not heard in Small claims court...
 
I guess with inflation I don't see $25K as too much to sue w/o involving lawyers...after all, what does it take to do, say, $18K in damages to a Mercedes, Expedition, Audi, Caddy or even a Buick???...to keep the limit so low as under $10K is, to me, ridiculous...$15K in GA is a nice step, but $25K, IMO would be more reasonable...
 
Mind you, that does not MANDATE anything...you can still take a $5,000 case to Superior Court if you want to, but, if you want the People's Court, raising the limit in Small Claims simply allows more cases to be heard, more than the $500 scratched refrigerator cases...
 
Also, something I forgot to mention, either party that loses in Magistrate has the right of de novo appeal...

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