The Employee Retirement Income Security Act of 1974 (“ERISA”) is a federal law that governs retirement, health, life, and disability benefits for Americans. ERISA sets minimum standards for most voluntarily established pension and health plans in the private industry to provide protection for individuals in these plans.

ERISA requires plans to provide participants with plan information including important information about plan features and funding; provides fiduciary responsibilities for those who manage and control plan assets; requires plans to establish a grievance and appeals process for participants to get benefits from their plans; and gives participants the right to sue for benefits and breaches of fiduciary duty.

First, this memo will begin with a general explanation of the two different ERISA health plans and then discuss the preemption rules as it relates to those plans. Second, this memo will provide a discussion on the ERISA self-funded health plan and how an ERISA lien affects such plans. The heart of this memo will focus on pertinent Supreme Court decisions and the current state of the law in the Eleventh Circuit regarding ERISA liens for self-funded plans. Finally, this memo will provide defenses that are available to avoid ERISA liens and litigation strategies that may be helpful in negotiating such liens.

ERISA HEALTH PLANS
There are two types of ERISA health plans: insured and self-funded. An insured plan is a health plan where the employer has purchased a group insurance policy for its employees from a health insurance carrier. A self-funded ERISA plan is one in which the employer completely funds the plan and pays for employee health care with its own assets. These two types of plans and their liens are treated differently under ERISA, due to rules as to when federal law preempts state insurance law and when it works in conjunction with state law.

A. PREEMPTION
The general rule is that ERISA preempts state law in the governance of employee health plans. However, one exception is the ERISA “saving clause,” which saves state laws regulating insurance from the realm of federal preemption. This clause greatly narrows the scope of ERISA preemption where health insurance carriers are involved. The saving clause provides that health insurance carriers—and the group health insurance policies they sell to employers—are subject to state law. Thus, claims based on an employee health plan purchased through a health insurance carrier are governed by both state law and ERISA.

On the other hand, the “deemer clause,” which immediately follows the saving clause, provides that a self-funded employee benefit plan is not to be deemed an insurance company. Thus, self-funded ERISA plans are not subject to state law but health insurance carriers and insured ERISA plans are. This distinction makes determining whether an ERISA plan is self-funded or insured of great importance.

1. Insured Health Plans
Insured ERISA plans are subject to state law regulation. When an insured plan asserts a lien against a personal injury settlement, it is the insurer—not the plan—that is attempting to recoup its expenses. An insurance company that insures a plan remains an insurer for purposes of state laws purporting to regulate insurance after application of the deemer clause.

2. Self-Funded Health Plans
Self-funded ERISA plans are exempt from state law regulation. Because self-funded plans are not connected to an insurance company, they benefit from ERISA preemption. State laws that directly regulate insurance…do not reach self-funded employee benefit plans because the plans may not be deemed to be insurance companies, other insurers, or engaged in the business of insurance for purposes of such state laws.

ERISA LIENS
In resolving a personal injury claim, there may be a number of liens of varying types that attach to the settlement proceeds and which must be properly dealt with before ultimately completing the case and disbursing the proceeds to the client and the attorney. Not all liens are the same, however, and the liens attaching to any particular case may range from completely mandatory to practically unenforceable. Also, some liens are governed by state law while other liens are governed by federal law through the preemption doctrine. A lien preempts state law if the health plan is promulgated under ERISA and the plan fully self-funds all medical expenses incurred by its plan participants.
Following is a discussion of how the Supreme Court decisions and Eleventh Circuit decisions have handled ERISA liens.

CASE LAW
A. U.S. SUPREME COURT DECISIONS

1. Self-Funded Plans Have a Right to Be Reimbursed Out of the Proceeds of a Third-Party Action
FMC v. Holliday, 498 U.S. 52 (1990), was the first ruling issued by the Supreme Court on the issue of whether a self-funded health benefit plan is able to enforce a reimbursement clause in the plan. Although the claim arose in Pennsylvania, a state with a law that bars subrogation and reimbursement claims by insurers, the Court ruled that self-funded plans are not subject to anti-subrogation laws and such plans can enforce the plan’s right to be reimbursed out of the proceeds of a third party action.

2. Lien Recovery is Limited to “Appropriate Equitable Relief”
Great-West Life & Annuity Insurance Co. v. Knudson, 534 U.S. 204 (2002), was the next major Supreme Court ruling regarding this area of law. In Knudson, the Court held that the lien was unenforceable because the third-party recovery provision of the plan at issue did not specify a particular fund from which to recover the lien. Rather it sought legal restitution from the client’s general assets. The Court focused on 29 U.S.C. § 1132(a)(3), which limits recovery to “appropriate equitable relief.” The Court held that such lien relief was “legal” rather than “equitable,” and not permissible under ERISA.

3. A Valid Lien Must Seek Funds that Are “Specifically Identifiable”
Sereboff v. Mid Atlantic Medical Servs., Inc., 547 U.S. 356 (2006), was a significant retreat from the holding in Knudson. Relying on an attorney’s lien case, the court ruled that when a benefit plan contains right of reimbursement, it operates in the same manner as an attorney’s lien because it makes the funds sought specifically identifiable. Consequently, an insurer’s claim for reimbursement out of a third party recovery constitutes a claim for equitable restitution permitted under 29 U.S.C. § 1132(a)(3). Thus, recovery is permitted under § 1132(a)(3), so long as the plan contains language specifically authorizing a right of recovery. Echoing the ruling in Knudson, the Court found that one feature of equitable restitution is the imposition of a “constructive trust” or “equitable lien” on particular funds or property in the client’s possession.

a) The “Constructive Trust”
In Sereboff, the Court found that the Plan language justified equitable restitution for two reasons: (1) the Plan specifically identified the settlement proceeds—apart from the Sereboff’s general assets—as being subject to its lien; and (2) the Plan limited its right of recovery to only the amount it had paid for injury-related care, as opposed to the settlement as a whole. By identifying a specific fund from which the Plan would claim reimbursement (i.e., the settlement), and limiting that reimbursement to the amount to which it was equitably entitled (i.e., the amount it had paid for injury-related care), the Plan had created a “constructive trust” on that portion of the settlement.

B. ELEVENTH CIRCUIT DECISIONS
1. The “Make Whole” Doctrine
The make whole doctrine invokes the notion that the injured person should be first fully compensated for her injuries before subrogation or reimbursement for medical expenses will be permitted. The Eleventh Circuit has held that while the “make whole” doctrine is the default rule for ERISA reimbursement claims, a benefits plan need only state in the plan document that the doctrine does not apply to overcome that default. Therefore, O.C.G.A. § 33-24-56.1 has no applicability to a plan governed by ERISA, and a “ten-day letter” under section (g) of the state statute sent to such a plan provider will not protect the claimant from a reimbursement claim.
A health benefits plan is governed by ERISA and subject to federal preemption of the “make whole” doctrine if (1) it is sponsored by an employer, which is given extremely expansive meaning under case law; (2) it is “self-funded,” meaning it is funded by payments from the employer and/or its employees directly, rather than being funded by purchasing insurance; and (3) it does not fall under an exception to ERISA preemption.
In addition to self-funded and employer sponsored requirements, within the Eleventh Circuit a plan must contain certain language in order for reimbursement to be a viable option.

2. A Plan Must Contain Language that Specifically Authorizes a Right of Recovery
In Popowski v. Parrot, 461 F.3d 1367 (11th Cir. 2006), two different plans sought reimbursement from a recovery made by the Parrots. One plan specifically permitted the plan to recover “out of the recovery made from the third party or insurer.”(emphasis added). Applying the Supreme Court decision of Sereboff, the court concluded that the Plan had stated a claim for “appropriate equitable relief” under § 1132(a)(3) because the Plan’s language specified both the fund out of which reimbursement was due to the Plan and the benefits paid by the Plan on behalf of the Defendant. In contrast, the Popowski court specifically disapproved the language of another plan that simply stated it had a right to reimbursement “in full, and in first priority, for any medical expenses paid by the Plan relating to the injury or illness” without stating that the reimbursement was to be made by specific funds recovered. Thus, the court banned the Plan from seeking recovery of payments. Thus, it is absolutely necessary to examine the plan language.

3. A Plan’s Reimbursement Provision May Limit Recovery
In a settlement of personal injury lawsuit with an agreement that specifically limited the payment to pain, suffering, and lost wages and did not include either past or future medical expenses, a claim for reimbursement could be avoided. Hence, in Wright v. Aetna Life Insurance Co., 110 F.3d 762 (11th Cir. 1997), the court ruled the reimbursement agreement limited the insurer’s rights in that manner and that no reimbursement could be obtained. The court noted if the agreement provides that reimbursement be made out of “any recovery,” the covered person is obligated to reimburse the plan.

DEFENSES: DEALING WITH ERISA LIENS
A. COMMON DEFENSES AGAINST ERISA LIENS
Before developing a strategy for addressing a lien, one should obtain a copy of the entire ERISA plan or the Summary Plan Description and thoroughly review its language. The strategy for addressing a lien should be based on the defenses that area available given the language of the Plan and the applicable law. The most common defenses are: (1) the specific-fund doctrine, (2) the make-whole doctrine, and the common-fund or common-benefit doctrine.

1. The Specific-Fund Doctrine Defense
In Sereboff v. Mid Atlantic Medical Services, Inc., the court held that an ERISA carrier is able to enforce its plan’s third-party recovery provision under federal law as long as the plan “specifically identified” a particular fund, distinct from the plan beneficiaries’ general assets and a particular share of that fund to which the plan was entitled. This language is critical to all ERISA plans, and it will make or break an ERISA lien right from the start.

When analyzing the language of an ERISA plan that is asserting a lien against a client, one should examine the third-party recovery provision closely. If the language does not identify a specific fund to which it is entitled or does not limit the plan’s recovery to the amount it has paid for injury-related care and is thus rightfully entitled to, then under Sereboff the lien is unenforceable.

2. The Make-Whole Doctrine Defense (applied by the Eleventh Circuit)
The make-whole doctrine is a common law rule that limits an insurer’s right of subrogation. Generally, an insurer is entitled to subrogation of an insured’s recovery against a third party only to the extent that the combination of the proceeds the insurer has already paid to the insured and the insured’s recovery from the third party exceed the insured’s actual damages. In other words, the insurer can exercise his right of subrogation.

There currently exists a circuit split as to whether the make-whole doctrine should be applied as the default rule in ERISA subrogation. The Eleventh Circuit applies the make-whole doctrine as the default rule. However, the doctrine is considered only a default rule that can be abrogated by specific plan language. If the make-whole doctrine has been abrogated by the plan, a well-crafted ERISA plan could be entitled to most or even all of the client’s settlement proceeds if the settlement amount is not large enough to satisfy the lien. In these cases, attorneys must rely on their negotiating skills, as the law may not offer your client a defense against the lien.

3. The Common-Fund or Common-Benefit Doctrine Defense
The common-fund or common-benefit doctrine demands that the lien holder contribute to attorney fees. The underlying theory is that to allow the insurer to obtain full benefit from the plaintiff’s efforts without contributing equally to the litigation expenses would enrich it unjustly at the plaintiff’s expense. However, the majority of federal circuits have ruled that an ERISA plan need not contribute to attorney fees where its own plain language gives an unqualified right to reimbursement. Even if the plan is ambiguous or silent on the matter of attorney fees, the question of whether the plan must contribute to the fees is still unsettled. Thus, even if a self-funded plan is silent on the matter, the ERISA lien may not have to be reduced for attorney fees.

B. OTHER DEFENSES AGAINST ERISA LIENS
1. Equitable Defenses
The United States Supreme Court has recognized a number of traditional equitable defenses over the years. For example, under appropriate facts, an ERISA beneficiary may be able to assert the defense of laches, the defense of “equity will not aid in the enforcement of a forfeiture,” or the defense of unclean hands.

2. Examine Language of Plan Document for Favorable Provisions.
In each case, it is important to thoroughly examine the language of the plan document. In many situations, the applicable language is from a former era when plan documents were more favorable to beneficiaries. For example, the plan document may itself invoke the common-fund principle, which requires the ERISA plan to bear its share of the attorney fee incurred by the beneficiary in pursuing the tort settlement. Also, the language in the plan document may not adequately “create” a lien and/or it may not adequately overcome the “make whole” doctrine.

3. Look for Relevant State Law that Escapes Preemption because it does not “Relate To” an Employee Benefit Plan.
In some situations, favorable state law may still be applicable because that law escapes preemption by ERISA. This occurs when the state law does not “relate to” an employee benefit plan. For example, in Liberty Corp. v. NCNB Natl. Bank of South Carolina, 984 F.2d 1383 (4th Cir. 1993), an ERISA plan sought to recover a pro-rata share of $93,829.50 which it paid on medical bills from a settlement of $1,500,000 secured for a wrongful death claim. Under the law of North Carolina, as found in its wrongful death statute, the maximum amount allowable for payment of medical expenses was $1,500. The ERISA plan argued that the state law was preempted by ERISA’s preemption clause. The Fourth Circuit Federal Court of Appeals disagreed, holding that the preemption clause did not apply because the wrongful death statute is not a law which “relates to” an employee benefit plan. Furthermore, the wrongful death claim did not belong to the deceased’s estate, but rather the claim belonged to the statutory beneficiaries and was not capable of being subrogated.

4. Determine Whether the Plan Language Sufficiently Negates the “Make Whole” Doctrine.
The “make whole” doctrine invokes the notion that the injured person should be first fully compensated for her injuries before subrogation or reimbursement for medical expenses will be permitted. The doctrine has been widely adopted among the states, including Georgia. As recently explained by the federal district court for the Northern District of Georgia,

“[I]f the plan does not include language explicitly providing the fund with a right to first recovery even when a participant or beneficiary is not made whole, the fund cannot avoid the application of the make whole doctrine. Standard subrogation language providing the fund the right to seek repayment of settlement or other funds obtained from a third party is not a sufficient explicit rejection of the make whole doctrine.”

This post was written by Ms. Onyema M. Anene, Esq., Staff Attorney of The Burkey Law Firm.

Young referring attorneys typically provide my firm with its largest and best injury cases. In turn, I enjoy teaching young trial attorneys how to manage their solo practice. In nearly sixteen years of private practice, I’ve learned by doing and now enjoy sharing my experiences.

The biggest question facing a new attorney is how to get clients.

1. Develop a concise vision of the work you would like to perform. Focus on the work that provides you satisfaction and supports a need in the community. Above all, follow your passion. Identify what inspires you about practicing law. Trial work is long and often arduous. You must be happy in your work.

2. Develop a plan for your practice that separates you from the rest. Adopt the plan as a concise marketing message. Your message should be short and purposeful. For example, my firm represents clients who have been seriously or fatally injured in auto, trucking & motorcycle accidents. I tell anyone who will listen that this is my area of expertise.

3. Talk to friends, neighbors, family members, your grocery, launderer, doctor, dentist and anyone you meet. Tell them what you do for a living. Inject your conversation with stories of people you’ve helped in your practice. Tell anyone who will listen your vision and passion for the practice. Provide them with a card and remind them to call should they or any of their friends or family ever require legal help. When they call, treat them like family. Help them with their problems with intelligent cost effective solutions. Answer routine questions at no charge. Soon, you will receive referrals from these contacts.

4. Conduct your work to achieve the best possible result on absolutely every single case you take- regardless of cost. If you’ve never handled an injury case, take sufficient time to prepare research, identify the correct forms to use in the law library, and reach out to older more experienced injury attorneys for advice. This is true particularly for the young lawyer first starting his or her practice. Your clients will see your level of dedication and will begin to refer their friends and family.

5. Reach out to fellow attorneys for referrals. Many established attorneys will refer small injury cases to younger lawyers they trust. The primary focus of a referring attorney is to make certain their referred clients are well represented. Therefore, trust is vital to establish a referral base. Gain notoriety as the young attorney who will spare no effort or expense to craft a winning case for his clients. Once your referring attorneys see your commitment to the practice, they will trust you. They will then send you work. I often meet young attorneys who tell me stories of their work and clients. There are a few I consider to be warriors- and who have no fear. It’s those folks who gain my trust.

Easily, the biggest problem I see when dealing with clients who have been seriously or fatally injured is insufficient automobile insurance coverage. Everyone makes assumptions when they’re involved in an accident that it’s not their fault.

First, everyone assumes that someone will pay for their injuries. Second, they assume that the other driver has sufficient insurance. Unfortunately, the reality is that many drivers either have no insurance or very little insurance. To confront this problem, you should perform an inventory of your insurance coverage to make sure you are protected.

I previously wrote a post on the topic involving UM coverage. After reading that post, be sure to call us today with any questions about your coverage.

Insurance companies are rapidly changing the way they sell insurance and these changes affect your coverage. First, insurance companies are attempting to remove agents from the process. If you’ve noticed, insurance companies are now seeking to sell insurance to you directly. Many companies encourage you to call or click today; inviting you to order insurance directly online or through a customer service representative at a call center.

This new marketing effort occurred several years ago with the travel industry when major airlines removed travel agents from the process of booking flight reservations. If the trend seen in the travel industry holds for insurance, nearly all insurance will ultimately be sold directly without the aid of insurance agents. For example, a current marketing campaign invites consumers to visit the company online and pick the coverage they want based on how much money they want to spend.

This new marketing trend presents a serious problem. Most people do not understand their insurance coverage. They do not know which coverage to buy and which coverage to omit. If a consumer chooses coverage online with the sole focus of obtaining the cheapest coverage available, the consumer runs a substantial risk that they will choose insufficient or inadequate coverage. In my experience dealing with clients who have been seriously or fatally injured in auto, trucking & motorcycle accidents, most people assume they are covered- often when they are NOT covered.

The insurance agent plays a vital role in assuring that your needs are protected. Specifically, an independent insurance agent can best advise you on the correct coverage to buy. I had a great conversation not long ago with a smart local independent insurance agent, Chris Jordan with Atlanta Insurance LIVE. Here are some of Chris’ bullet points about why independent agents are the best choice for consumers who are looking for new insurance options:

• Choices: Independent Agents represent multiple carriers and can shop the marketplace on the consumer’s behalf to find the absolute best products to meet individual’s unique needs and budgets.
• Long Term Relationships: Independent Agents work for their clients for the long term. If an insured’s premium goes up, or situation changes, then we are in a position to change their insurance situation to match these changes. Relying on one agent or agency to handle long term needs puts consumers at a huge advantage. We represent our clients, NOT the company, and because of that independent agents sincerely have their client’s best interests in mind. In fact, the stronger those relationships become, the more the agency is likely to succeed. This mutual trust is so important because of the critical nature insurance plays in our lives.
• Claims Handling: Independent Agents can serve as a liaison between the insurance company and the customer. Many of us develop very close relationships with our carriers and can help guide our client’s through the claims process.
• Coverage: Consumers who buy insurance directly are often buying coverage through a call center where the individual is licensed in many different states. Insurance laws vary state by state and consumers need to work with someone in their state who is well versed in the local laws to make sure coverage fits the local laws, and also the real risk factors locally.

Take a look at your insurance coverage. Call us today for any questions about your coverage.

I enjoy teaching young attorneys who are just starting their solo practice how to manage their own business. In nearly sixteen years of private practice, I’ve learned by doing and now enjoy sharing my experiences.

Lesson 1. Always watch your own money. Read Accounting for Dummies or any similar introduction to accounting. Understand the following basic accounting and tax concepts:

• Chart of Accounts
• Income, Expense, Asset & Liabilities
• Accounts Receivable
• Accounts Payable
• Employment Taxes
• Self-Employment Taxes
• Payroll Taxes
• FICA and Federal Withholding
• P&L Statements
• Balance Sheet

Taxes
Save yourself a major headache. Have any payroll performed by an outside vendor. For a nominal fee, they will process all required payroll taxes, 941 Payments and will provide appropriate accounting when responding to State or Federal Tax Officials.

Accounting Professionals
If you hire an accountant or CPA, be certain to retain control over your books. Review all work product. Never delegate authority to deposit funds, issue online payments or issue payment from credit card accounts. I would expect the likelihood of misappropriation is small, particularly among the hard working accounting profession. With that said, the old saying goes, “never tempt an honest man / woman…” Fundamentally, no one but you has a true interest in the success of your business. At a minimum, keeping control over important accounting functions forces you to be intimately involved in your books. You should always know where your business stands financially. You cannot have this knowledge unless you are involved in your books. A footnote to busy personal injury lawyers or litigators, you can NEVER be too busy to watch your books. Every time I attempt to avoid this lesson in my own practice, it costs me money; either in the form of fees from overlooked items like missed tax payments or failing to collect a client reimbursement at the end of a big case.

Accounting / Bookkeeping
Without fail, every month reconcile all bank statements, liability accounts, large vendor accounts and Aging Receivables Accounts. Personally review unusual items on any statement to reconcile any discrepancies. Review your monthly P&L Statement to identify where you are spending your money. Reconcile any unusual expenses. Review your income sources to fine tune your business model. If you must delegate the bookkeeping function, insist on seeing full reports on all posting entries.

Got it?

The Senate Banking Committee believes an accord might be possible to get the Financial Reform Bill passed through Congress this year.

Richard C. Shelby of Alabama, the senior Republican on the panel, said that he and the committee’s Democratic chairman, Christopher J. Dodd of Connecticut, “agree on probably 90 percent” of “just about everything” in the legislation.

Read more from the New York Times here.

One of the first questions we are asked by new clients is which insurance company should fix their car. Many people do not realize they actually have two choices. The first choice is to have your insurance company pay for the repairs. The second choice is to have the at fault driver’s insurance company pay for the repairs. Each option has advantages and disadvantages.

As to the first option, you can have your insurance company pay for the repair. This is referred to as a first party claim since you are dealing with your insurance company. The advantage in dealing with your insurance company is that you have an existing relationship with the company as their insured. The disadvantage is that you will likely have a deductible. This means that your insurance company will pay for the repair less than the cost of the deductible. If you have a high deductible- as many people do- then you may wish to pursue a claim against the at fault driver’s insurance company. If you decide to have the at fault party’s insurance company pay for repairs, the advantage is that you will not have to pay for the deductible as you would with your policy.

However, the disadvantage is that you do not have a relationship with the other insurance company. They will feel no allegiance to your needs. Also, depending on the facts of the case, they may delay making a decision on whether to accept responsibility. In other words, they may refuse to pay for the loss. This sometimes happens when there is conflicting eye witness testimony or when their own insured refuses to acknowledge that he or she was responsible. In that event, you could wait a long time before the other insurance company agrees to fix your car. If that occurs, your best option is to file a first party claim with your insurance company so that you can get your car fixed quickly. Many times, an experienced repair shop can make-up dramatic price differences to cover the cost of your deductible by using used parts on cosmetic repairs. And, you can also enlist the help of your insurance company to recover the cost of your deductible from the at fault insurance company.

Uninsured motorist coverage, or “UM” for short, is designed to protect you in the event of an accident. UM coverage is found on your auto insurance policy. It is coverage designed to pay you for your injuries if the other driver involved in an accident with you has insufficient insurance. In other words, if the at-fault driver has no insurance, your UM coverage will pay for your loss. Likewise, if the at-fault driver does not have enough insurance, your UM coverage will pay a portion of your loss.

Think of it this way: your liability coverage protects the world from your actions. Your UM Coverage protects you from the actions of others. UM Coverage is very important because so many drivers have little or no insurance. If one of these uninsured drivers injures you, you need to be protected. Unfortunately, most people have little or no UM Coverage. Compared to your liability coverage, UM Coverage is cheap and a good value.

A good rule of thumb to follow:
• Buy as much UM Coverage as your budget allows. It’s a good investment in you.
• At a minimum, buy no less than the same limits of UM Coverage as you have for Liability Coverage;
• For example, if you have $100,000 in liability coverage, you should buy $100,000 in UM Coverage.

Uninsured drivers are a real problem. Call us for a review of your UM Coverage.

Did you know that your insurance company can change your insurance coverage without requiring your signature? The policy of insurance you have with the insurance company is a legally enforceable contract. Therefore, anytime the insurance company wishes to change the terms of your policy, they must provide you with notice. In fact, insurance companies frequently change their insurance polices by issuing amendments.

These amendments are called endorsements. Endorsements usually arrive in the mail on one page with legal language that is often confusing and out of context. If you do not carefully read these endorsements, you may not realize that the insurance company has made a dramatic change to your coverage. Worse yet, you may be paying the same premium for less coverage. For example, your insurance company could send you an endorsement changing the definition of an insured to exclude members of your household. Such a change would dramatically affect your liability exposure in the event one of your family members causes an accident. In that example, since the insurance company changed the policy to exclude family members, then any accident caused by a family member would not be covered. You would then have liability exposure you did not expect.

This is only an example. However, the economy has created dramatic changes in the way insurance companies do business. I am now seeing many instances where insurance companies are excluding coverage for risks that used to be routinely covered. You should carefully read your policy to understand what is covered. Likewise, you should carefully read any endorsements to understand what has changed. Now more than ever, you need to understand your legal rights to best protect your home and family.

On January 12th, the National Safety Council announced that an estimated 1.6 million crashes are caused each year by drivers using cell phones and texting. The announcement came on the one-year anniversary of NSC’s call for a ban on all cell phone use and texting while driving.

Visit NSC’s website for the full article.