Tuesday, December 20, 2011

Don't Lend Out Your Car


What happens when you lend someone your vehicle and they are involved in an automobile collision?
First, there is the inconvenience to you in not being able to use your vehicle because your vehicle has to be repaired.
Second, you have to deal with an insurance company.  It might be the insurance company for the person who caused the collision, or it might be your insurance carrier if the other person did not have insurance coverage.  It might be your insurance company because the person that caused the collision is the friend that you let drive your vehicle.  Oh my, this is not a comfortable situation.
Third, if your friend caused the collision and a lawsuit is brought against your friend, you and your insurance carrier can end up being involved in a litigation process that drags out for years.
Think twice before letting someone borrow your vehicle.

Bettina Altizer
Altizer and Altizer Law Firm
324 Washington Avenue
Roanoke, Virginia, 24016
540-345-2000

Tuesday, December 13, 2011

Puppy Day !!!!!!!


The Washington Post reported that the George Mason University Law School has a unique way of diffusing the stress of final exams.  They partnered with a local animal rescue group for “Puppy Day,” so that stressed out exam-takers could take a needed respite from their studies. The Post reported that the attention-starved puppies loved the attention, too!

Friday, December 9, 2011

Don't be Fooled into Settling Your Accident Claim with your Insurance Company


If you have decided to handle your automobile accident claim on your own, do not be fooled into thinking that the at-fault driver’s insurance company will protect your interests.  Virginia Lawyers Weekly reported in its December 5, 2011, issue that a married couple was injured in an automobile collision.  The couple claimed that they accepted offers of settlement from State Farm Insurance Company.  Pursuant to their agreement, the couple refrained from suing State Farm’s insured.  Unfortunately, the two-year statute of limitations expired, and State Farm thereafter sent the couple a letter purportedly withdrawing the offers of settlement.  The couple has sued State Farm alleging breach of an oral agreement, fraud, and unjust enrichment.  Because these injured persons did not consummate the settlement of their claims or file suit against the at-fault driver before the statute of limitations expired, they lost their right to pursue their personal injury claims.  That is why at Altizer & Altizer, we encourage you to call us if you are involved in a serious automobile collision.  We are located in Roanoke, and we serve Southwest Virginia and surrounding areas.  Please call us at (540) 345-2000, or visit our website at altizerlaw.com.  One of our attorneys would be happy to speak with you.

Wednesday, December 7, 2011

Scam Alert


The Roanoke Times is reporting that the Better Business Bureau has issued a scam alert cautioning businesses and consumers about an email with the subject line, “Complaint from your customers,” that looks like it is from the BBB but is fraudulent.  If you receive such an email, you should ignore it and delete it immediately.  If you have opened the email and clicked on any of the links within the email, which will take you to a non-BBB website, you should run a full virus scan of your computer.  The return email address is riskmanager@bbb.org, which is an address that the BBB does not use.  Other fake email addresses that have been used by the fraudulent senders are alert@bbb.org, service@bbb.org, risk@bbb.org, admin@bbb.org, manager@bbb.org, and info@bbb.org.  Anyone who receives such an email should forward it to phishing@council.bbb.org and then delete it as the BBB is working with law enforcement to determine who is sending the fraudulent emails.  For more information, you can call the BBB at (540) 342-3455 or visit their website at www.bbb.org.

Bettina Altizer- Attorney at Law
540-345-2000

Thursday, December 1, 2011

Protect Your Privacy with Your Healthcare Providers


Privacyrights.org is a nationally-recognized consumer education and advocacy nonprofit organization, which is dedicated to protecting the privacy of American consumers.  Here are some excellent tips from their website on how to protect the privacy of your medical records:
A. Discuss your confidentiality concerns with your doctor. If you want a specific condition to be held in confidence by your personal physician, bring a written request to the appointment that revokes your consent to release medical information to the insurance company and/or to your employer for that visit. You must also pay for the visit yourself rather than obtain reimbursement from the insurance company.
To be especially certain of confidentiality, you may need to see a different physician altogether and pay the bill yourself, forgoing reimbursement from the insurance company. Realize that under HIPAA, your attempts to restrict the sharing of specific records can be denied by the health care provider.
B. Ask your health care provider to use caution when photocopying portions of your medical records for others. Sometimes more of your medical records are copied than is necessary, for example, when requested by the insurance company or another health care provider.
C. Find out if your health care provider has a policy on the use of cordless and cellular phones and fax machines when discussing and transmitting medical information. Wireless telephones are not as private as standard "wireline" telephones. Because they transmit by radio wave, phone conversations can be overheard on various electronic devices. Digital systems are more secure. (See PRC Fact Sheet 2: Wireless Communications)
Fax machines offer far less privacy than the mail. Frequently many people in an office have access to fax transmissions. Staff members at all levels of the organization should take precautions to preserve confidentiality when sending and receiving medical documents by fax machine. (See PRC Fact Sheet 12: Checklist of Responsible Information Handling Practices)
Your medical information is not confined to health care institutions. Here are some additional situations where you must be careful to protect your privacy.
D. If your records are subpoenaed for a legal proceeding, they become a public record. Ask the court to allow only a specific portion of your medical record to be seen, or better yet, not to be open at all. A judge will decide what parts, if any, of your medical record should be considered private. After the case is decided, you can also ask the judge to "seal" the court records containing your medical information.
E. If your employer is self-insured, the human resources department is likely to have information about any health-related claims that you file. If you are concerned about the privacy protection policies and practices of your employer, talk to the appropriate administrator. You should consider following up with a letter to the head of the department that handles health-related information. Diplomatically stress your desire for all of your health information to be handled with the utmost confidentiality. Keep a copy for yourself, filed at home.
F. Think twice before filling out marketing-related questionnaires. They commonly contain sections that ask for a great deal of family health information. The loss of your medical privacy is a high price to pay in exchange for a few free coupons or a chance to win a contest. For more information, read the PRC' s 2001 testimony to the Federal Trade Commission.
G. Before participating in health screenings offered in shopping malls and other public places, find out what uses will be made of the medical information that is collected. If you are not given the opportunity to say "no" to the sharing of your medical information with others, don't participate.
H. Use caution when visiting health-related websites and when participating in online discussion groups.
·         Carefully read the privacy policies and terms of services of medical websites. Do not fill out registration forms unless you are satisfied with the web operator's privacy policy.
·         Use a pseudonym when participating in chat rooms and online forums.
·         Before sharing personal information with a health website, find out if it participates in a web seal program such as TRUSTe, URAC Health Web Site Accreditation, HON (Health on the Net) and BBBOnline.
·         Remember, companies can change their privacy policies at any time. And if the company goes bankrupt, its data base of user information could be sold to the highest bidder.
I.  Establish your own history of treatment. If you decide to change physicians or health care organizations, it is a good idea to obtain copies of your medical records. Physicians may retire, move out of state or merge practices with other physicians. Health care facilities may merge with another facility or even go out of business following bankruptcy. Get copies of medical records while you can. Don't count on your ability to get your records years after treatment. If your doctor or health care provider goes out of business, be sure to find out where they intend to store the medical records of their patients.
Although HIPAA does not require that medical records be kept for a set time, many states have such laws. To find out what your state has to say about retention of medical records, see the following American Health Information Management Association (AHIMA) Practice Brief: Retention of Health Information.
J. If your employer offers an employee health or wellness program, an EHP, ask about any established privacy policy. You want to know whether your progress reports will be maintained by an outside consultant or made a part of your permanent personnel file.
K. Be on guard against employers or health insurers that ask for your permission or require you to submit to genetic testing. A 2008 federal law, the Genetic Information Nondiscrimination Act of 2008 (GINA) prohibits employers and most health insurance plans from denying you employment or health benefits based on genetic information. In addition, on October 9, 2009, the U.S. Department of Health and Human Services, joined by the U.S. Department of Labor and U.S. Department of the Treasury, issued interim final rules implementing GINA’s nondiscrimination provisions. Among other things, HHS has determined that genetic information, like other health-related information, is subject to the privacy protections of HIPAA.
The interim final regulation can be found here: www.hhs.gov/ocr/privacy/hipaa/understanding/special/genetic/ginaifr.pdf
In addition, the non-profit organization Council for Responsible Genetics (CRG) has extensive information available on privacy and genetics. CRG’s website also includes tips on how to protect your genetic privacy.  www.councilforresponsiblegenetics.org/geneticprivacy/tips.html


Bettina Altizer- Attorney at Law
Altizer and Altizer
540-345-2000