3:27 AM

Insured By Us leverages its success with Woolworths Travel Insurance and Real Travel Insurance to introduce an online consumer travel insurance brand targeting women.

Called Travel with Jane, it marks the insurance platform provider’s entry into the Australian consumer market with a direct offering of its own. 

Sydney based Insured By Us has been in operation for three years powering Woolworths Travel Insurance and Real Travel Insurance. The platform is now being put to the test to deliver a travel insurance experience for Australian women and their families. 

“Two thirds of our travel policies are purchased by women, but insurance, as with most financial products, is overwhelmingly geared towards male consumers. Engaging Australia’s female travellers is a key business growth opportunity for us,” says Insured By Us Director, Ben Webster.

“Insurance in Australia needs an urgent shake up. Customers know that the business comes first and they come second and they are tired of solving business problems for insurance companies. It’s time for insurance to step into the light and be transparent by putting customers first.” Mr Webster added. 

Insured By Us will build on the success of their white label direct insurance offering to create an experience that engages women. Underwritten by The Hollard Insurance Company, and with support from global medical assistance specialists, Mapfre, Travel with Jane offers a basic, comprehensive and annual multi-trip policy portfolio. 

“Our first priority is to empower women to have confidence in the products they’re buying, to explain our products clearly and without omission, so that women can make their policies work for them. We’re talking about sharing the so-called secrets to getting the best out of travel insurance and about avoiding common claim pitfalls.

This boils down to educating the customer and ensuring a successful and painless claims process. We hope this process will win back trust through transparency and an unwavering customer-centric approach.” Mr Webster concluded.

Travel with Jane (www.travelwithjane.com @travelwjane) is powered by Insured By Us (insuredbyus.com @insuredbyus). We are based in Sydney at Level 5, 63 York Street in Sydney Australia. For media inquiries, get in touch with Michelle at michelle@travelwithjane.com. Or you can reach out to Ben Webster at bw@insuredbyus.com or on 0421 699 494 for the full story.


InsureTech startup launches travel insurance for women

3:08 AM

South African digital travel insurance distributor Hepstar has received $2 million in funding from UK-based technology investor Amadeus Capital Partners.

The new funding will help the Cape Town-based company expand its global reach, accelerating its technology development and grow its brand.

Hepstar was founded in 2013 to address the need for e-commerce companies in general, airlines and travel companies in particular, to maximize revenue from ancillaries.

The company has expanded over the last year to include Africa, the Middle East, Europe and Australia. Clients include CarTrawler, South African Airways, ClickBus, Flightsite and Travelstart.

This has been helped by strategic partnerships with some GDSs, as well as insurance companies including Mapfre, Regent, Al Sagr and Orient Sigorta.

Chief financial officer, Brett Dyason, said: “The global airline ancillary opportunity is around $60 billion. We can help our partners make up to 30% of their net revenues from insurance ancillaries.

“We’re extremely pleased about our partnership with Amadeus Capital Partners. They understand our business and vision.

“Hepstar has grown organically to date and we are now anticipating growth of 150% in 2016. This investment will allow us to focus on innovation, sales and local talent acquisition.”

Amadeus Capital Partners investment partner, Andrea Traversone, said: “Amadeus Capital is excited to be involved in Hepstar.“They are solving a real problem regarding insurance distribution during a time when ancillary revenue is becoming increasingly important for e-commerce companies.

“Given the prowess they have demonstrated in this niche we expect they will be a leading supplier in this market in the near future.”

– See more at: http://www.travolution.co.uk/articles/2016/02/24/16001/amadeus-capital-partners-backs-digital-travel-insurance-firm.html#sthash.KB6vpq0Q.dpuf



madeus Capital Partners backs digital travel insurance firm

2:52 AM
terrorism insurance

 



As terrorist groups like the Islamic State, al-Qaeda and Boko Haram make headlines, travelers are understandably concerned about the possibility of terrorism affecting their plans. The U.S. Department of State advised “worldwide caution” in 2015, urging American citizens to stay vigilant.

It’s good to remember, however, that statistically the chances of being injured or killed by a terrorist attack are extremely low. One good way to protect yourself is to purchase international travel insurance that includes terrorism coverage. We’ll take a look at how you can stay safe and how travel insurance covers terrorism.

Avoiding terrorism when you travel


“The first and best protection is to avoid travel to areas where there has been a persistent record of terrorist attacks or kidnappings,” the U.S. Department of State advises. If you’re not sure about the safety of your destination, check the State Department’s website to see if any travel warnings or travel alerts have been issued.

Terrorist acts, by their very nature, are unpredictable. But there are ways to reduce the risk of being directly targeted by terrorists, the State Department says. For the most part, these are common-sense precautions: dress inconspicuously, observe your surroundings so you can be aware of anyone following you, don’t get into unlicensed cabs and report suspicious activity.


Does travel insurance cover trip cancellation because of a terrorist incident?


Allianz Global Assistance’s travel insurance considers international and domestic terrorism to be a covered reason for trip cancellation if a terrorist event happens at your U.S. or foreign destination within 30 days of the day you’re scheduled to arrive. However, you’re not covered if there has been a terrorist event at your international destination generally within the 30 days before your plan’s effective date. So how does terrorism insurance work?
Let’s consider some examples:


  • You buy travel insurance for a week sightseeing in London with your daughter. Then the news reports that a bomb has gone off on the Underground in an apparent terrorist attack. If you decide to cancel your trip, your travel insurance would reimburse you for nonrefundable travel costs, because you purchased insurance before any incident occurred.

  • A bus explodes in Tel Aviv two weeks before your planned tour of Israel. “Yikes,” you think. “Guess insurance is a good idea.” You immediately purchase a travel insurance plan to protect your trip. Shortly before you leave, another bus bombing occurs and you decide you’re going to cancel the trip. Your travel insurance would not cover your trip cancellation, because you purchased the plan within 30 days of a terrorist incident occurring at your destination.

Does travel insurance cover terrorist attacks on airplanes?


If a terrorist attack causes your airline or other carrier to stop services for 24 hours, that’s considered a covered reason for trip cancellation or interruption by Allianz Global Assistance. If you or a travel companion is hijacked, that’s also a covered reason for trip cancellation. In situations like these, contact Allianz Global Assistance’s global travel assistance hotline for help, if possible. Allianz Global Assistance’s travel experts can help you contact local authorities or the United States embassy and make alternate travel arrangements to get home safely.

If a terrorist attack occurs on another airplane before your scheduled trip, that’s not a covered reason for trip cancellation.


What if I’m afraid a terrorist incident will occur?


Shortly before your scheduled trip to visit family in the Philippines, a separatist group begins making terrorist threats. The State Department issues a travel alert urging caution. You’re considering calling off the trip and rescheduling it for later in the year. Will travel insurance cover your trip cancellation?

No, because no incident has occurred. The fear or threat of a terrorist incident at your destination is not a covered reason for trip cancellation. However, you should use common sense and caution when making your travel arrangements.


Does travel insurance cover riots or other violence?


You’ve just arrived in Cairo and are preparing to depart for a grand Egypt tour. Then a riot breaks out in Tahrir Square as protesters and police clash. Terrified, you retreat to your hotel room and begin making plans to fly home. Will travel insurance cover your trip cancellation?

No, because civil unrest is not the same thing as terrorism. Allianz Global Assistance’s travel insurance defines terrorism specifically as “when an organized terrorist group, as defined by the U.S. State Department, injures or kills people or damages property to achieve a political, ethnic or religious goal or result.” Terrorist events don’t include general civil protest, unrest, rioting or acts of war. If a strike or unrest results in your carrier or tour operator ceasing services for 24 hours, then that could be considered a covered reason for trip cancellation.


Will travel insurance cover me if I’m kidnapped?


While hijacking is considered a covered reason for trip cancellation, travel insurance from Allianz Global Assistance does not include any coverage for kidnapping or extortion. If you are traveling to a destination where kidnappings are common, or if you have reason to fear you may be targeted, consider buying specialized travel insurance that includes coverage for kidnapping, unlawful detention and ransom demands.

As always, Allianz Global Assistance urges you to use caution when traveling. Read your insurance policy documents carefully, and call Allianz Global Assistance if you have questions about terrorism coverage or anything else.




Does Travel Insurance Cover Terrorism?

7:41 PM
Although asbestos laws and regulations in the U.S. began over 35 years ago, many people are still filing mesothelioma claims today, including those who are newly- diagnosed with mesothelioma cancer. Almost all of these victims, and new victims that will surely surface as they are diagnosed, have worked somewhere that exposed them daily to asbestos.

If you or a loved one were diagnosed with  mesothelioma or asbestos-related cancer, you may be entitled to substantial compensation. We invite you to use our Asbestos Attorney Locator Tool to find a top mesothelioma lawyer in your area. With over $30 billion currently in asbestos trust funds, now is the time to take the first step in determining what you may qualify for.

Claims

Asbestos Exposure


For close to a century, thousands of workers were exposed to asbestos for prolonged periods of time. Construction workers, oil refineries workers, steel and metal workers, military personnel, and even teachers have been exposed. In the 1970s, after in-depth investigations and studies, it was determined that asbestos is an extremely harmful mineral. There was strict regulations placed on the use of asbestos shortly after.

Yet, for millions of workers, the damage had already been done. Some employers even ignored the laws and continued to use asbestos. Since symptoms of mesothelioma can take decades to surface, the majority of these workers went for years without knowing the damage that had already been to their health.

New cases continue to emerge years later because of the simple fact that it can take over 30 years for the first symptoms of asbestos-related diseases to surface. This is exactly how so many companies were able to keep it hidden that asbestos was still being used and employees were still being exposed.

If you’ve been exposed to asbestos, the cost of medical care, includingmesothelioma treatment options, can be overpowering. Even with insurance coverage and other forms of assistance, most victims find that they cannot cover all the needed medications, treatments, and other expenses.

Since asbestos-related diseases are caused by the neglect of others and could have been prevented, victims have the right to file a mesothelioma lawsuit and be compensated. As more and more evidence unfolds regarding asbestos exposure at the workplace, many of the companies who provided asbestos-containing materials (ACMs) are now setting up trust funds for future cases.

In addition, because of the sheer amount of cases, many attorneys now specialize in mesothelioma claims and represent those that have been diagnosed with diseases caused by asbestos. Known as asbestos lawyers, these attorneys focus solely on helping victims that have been diagnosed with a harmful disease as a result of asbestos exposure. These attorneys differ from general attorneys as they have specialized training and experience in knowing everything about the diseases and the laws and regulations.

Your Asbestos Cancer Legal Rights



  • You have the legal right to file a claim against the company, manufacturer, person, or business that exposed you to asbestos.



  • You have the right to retain the services of an asbestos attorney. Some states may not allow to file unless you’ve been diagnosed with an asbestos-related while other states allow you to file at anytime. However, it’s your legal right to hire an asbestos attorney whenever you are ready.



  • You have the right to seek compensation for damages incurred because of your exposure to asbestos.


Asbestos lawyers have helped numerous victims obtain financial compensation for lost wages, medical expenses, emotional stress, physical pain, loss of enjoyment of life, and more. If you’re a victim yourself, it’s imperative to seek legal representation. A dedicated asbestos attorney will fight for the justice you’re entitled to and will give you a much better chance in winning your lawsuit.

Options for Filing a Claim


There are several different methods you can use for your claim process. Keep in mind that before starting you should seek the advice of an experiencedmesothelioma law firm.


  • Bankruptcy Trusts: With the overwhelming amount of victims coming forward, several companies filed bankruptcy. However, this doesn’t mean that these companies and businesses are completely out of funds. In many instances, courts mandate that these companies set up a fund specifically for mesothelioma lawsuits, especially if prior lawsuits against the companies have been filed. It’s advisable to speak with your asbestos attorney to determine if the company you worked for falls under this category.



  • Litigation Claims: Litigation claims are the most popular type of mesothelioma claims. If you’ve been diagnosed with mesothelioma or any other asbestos-related disease, you probably already know how expensive treatment can be. However, along with treatments expenses, you may also be entitled to recover damages for emotional trauma, pain and suffering, loss of income, loss of enjoyment of life, and more. If the victim has passed away from an asbestos-related disease, loved ones and dependants have the right to file a wrongful death lawsuit on the victim’s behalf. Your attorney will be able to give you a more detailed list of what you may be eligible to be compensated for.



  • Veterans Claims: If were exposed to asbestos while serving in the military, you may be able to file a veterans claim. For more information on the qualifications, contact your local Veteran’s Administration. Your attorney will also be able to assist you with this.



  • Workman’s Compensation: Typically, workman’s compensation is not enough to cover all of your expenses if you’ve been exposed to an asbestos-related disease. However, you may be eligible for workman’s compensation along with other types of claims if you were exposed while working as an employee of a company. Speak with an asbestos attorney concerning this type of claim as it can get quite intricate.


Mesothelioma Statute of Limitations


Keep in mind that every state has a statute of limitations that everyone must follow. Failure to file your claim within your state’s statute of limitations will result in you losing the opportunity to legally file at all. It’s also important to note that you may need to follow the statute of limitations for the state in which you were employed when the asbestos exposure occurred (if different from your current state of residence) and/or the state where the responsible companies are located. The following list is the most current statute of limitations for all 50 states:

  • Alabama: 2 years from diagnosis or 2 years from death for wrongful death statute

  • Alaska: 2 years from diagnosis or 2 years from death for wrongful death statute

  • Arizona: 2 years from diagnosis or 2 years from death for wrongful death statute

  • Arkansas: 3 years from diagnosis or 3 years from death for wrongful death statute

  • California: 1 year from diagnosis or 1 year from death for wrongful death statute

  • Colorado: 2 years from diagnosis or 2 years from death for wrongful death statute

  • Connecticut: 3 years from diagnosis or 3 years from death for wrongful death statute

  • Delaware: 2 years from diagnosis or 2 years from death for wrongful death statute

  • District Of Columbia:  3 years from diagnosis or 1 year from death for wrongful death statute

  • Florida: 4 years from diagnosis or 2 years from death for wrongful death statute

  • Georgia: 2 years from diagnosis or 2 years from death for wrongful death statute

  • Hawaii: 2 years from diagnosis or 2 years from death for wrongful death statute

  • Idaho: 2 years from diagnosis or 2 years from death for wrongful death statute

  • Illinois: 2 years from diagnosis or 2 years from death for wrongful death statute

  • Indiana: 2 years from diagnosis or 2 years from death for wrongful death statute

  • Iowa: 2 years from diagnosis or 2 years from death for wrongful death statute

  • Kansas: 2 years from diagnosis or 2 years from death for wrongful death statute

  • Kentucky: 1 year from diagnosis or 1 year from death for wrongful death statute

  • Louisiana: 1 year from diagnosis or 1 year from death for wrongful death statute

  • Maine: 6 years from diagnosis or 2 years from death for wrongful death statute

  • Maryland: 3 years from diagnosis or 3 years from death for wrongful death statute

  • Massachusetts: 3 years from diagnosis or 3 years from death for wrongful death statute

  • Michigan: 3 years from diagnosis or 3 years from death for wrongful death statute

  • Minnesota: 4 years from diagnosis or 3 years from death for wrongful death statute

  • Mississippi: 3 years from diagnosis or 3 years from death for wrongful death statute

  • Missouri: 5 years from diagnosis or 3 years from death for wrongful death statute

  • Montana: 3 years from diagnosis or 3 years from death for wrongful death statute

  • Nebraska: 4 years from diagnosis or 2 years from death for wrongful death statute

  • Nevada: 2 years from diagnosis or 2 years from death for wrongful death statute

  • New Hampshire: 3 years from diagnosis or 3 years from death for wrongful death statute

  • New Jersey: 2 years from diagnosis or 2 years from death for wrongful death statute

  • New Mexico: 3 years from diagnosis or 3 years from death for wrongful death statute

  • New York: 3 years from diagnosis or 2 years from death for wrongful death statute

  • North Carolina: 3 years from diagnosis or 2 years from death for wrongful death statute

  • North Dakota: 6 years from diagnosis or 2 years from death for wrongful death statute

  • Ohio: 2 years from diagnosis or 2 years from death for wrongful death statute

  • Oklahoma: 2 years from diagnosis or 2 years from death for wrongful death statute

  • Oregon: 3 years from diagnosis or 3 years from death for wrongful death statute

  • Pennsylvania: 2 years from diagnosis or 2 years from death for wrongful death statute

  • Rhode Island: 3 years from diagnosis or 3 years from death for wrongful death statute

  • South Carolina: 3 years from diagnosis or 3 years from death for wrongful death statute

  • South Dakota: 3 years from diagnosis or 3 years from death for wrongful death statute

  • Tennessee: 1 year from diagnosis or 1 year from death for wrongful death statute

  • Texas: 2 years from diagnosis or 2 years from death for wrongful death statute

  • Utah: 3 years from diagnosis or 2 years from death for wrongful death statute

  • Vermont: 3 years from diagnosis or 2 years from death for wrongful death statute

  • Virginia: 2 years from diagnosis or 2 years from death for wrongful death statute

  • Washington: 3 years from diagnosis or 3 years from death for wrongful death statute

  • West Virginia: 2 years from diagnosis or 2 years from death for wrongful death statute

  • Wisconsin: 3 years from diagnosis or 3 years from death for wrongful death statute

  • Wyoming: 4 years from diagnosis or 3 years from death for wrongful death statute

Frequently Asked Questions about Claims


1) Why do I need a mesothelioma lawyer to file a claim?

Mesothelioma and other asbestos-related cancers are almost always caused by the negligence of someone else, whether it be a business owner or a manufacturing company. Mesothelioma attorneys have the experience and knowledge in handling these types of cases, make it much more likely for you to be successful when filing a claim.

2) Can families members file claims on behalf of mesothelioma patients?

Yes, family members can file claims on behalf of the mesothelioma victim and often times, may be eligible for damages themselves, including compensation for wrongful death.

3) What is a wrongful death claim when pertaining to mesothelioma?

A wrongful death claim is a claim that family members and/or survivors of a loved one file to seek compensation for the “wrongful death” of the mesothelioma victim. Typical damages include mental suffering and anguish, expected loss of companionship and income, and medical expenses accumulated.

4) Who actually pays the compensation if I win?

Damages typically are paid by the manufacturer, business, or business owner that exposed you to asbestos.

5) How can a lawyer prove asbestos exposure when it happened so long ago?

Asbestos lawyers have the required training as experienced investigators and understand the process of finding information on asbestos exposure regardless of how much time has elapsed.

6) How much money can I expect to win?

Billions have already been paid out so far in mesothelioma settlements. That being said, however, there is not a set a formula on how much compensation you can expect. There are a lot of variables considered, such as your health, how long you’ve had an asbestos-related disease, and more. Generally, the longer you’ve been undergoing treatment since diagnosis, the more you can expect. Moreover, you may be entitled to more compensation if company willfully exposed you to asbestos after being told of the severe health risks associated with prolonged exposure.

7) I was exposed to asbestos, but I’ve not been diagnosed with an asbestos-related disease. What options do I have?

Laws on filing an asbestos-related lawsuit will vary according to the state you live. While some states allow people to file at anytime, other states require that victims be diagnosed with an asbestos-related disease first. The best option is to consult with an experienced mesothelioma lawyer who’ll be able to help you understand the legal process in your state.

8) How long does an asbestos lawsuit take?

There isn’t a set answer to this question as each lawsuit is different and the amount of time will depend on factors unique to each case. However, some lawsuits have been settled within a few months while others have taken a few years.


Mesothelioma Claims

7:37 PM
According to Mealey’s Litigation Report, a periodical that provides information regarding litigation, the average mesothelioma verdict amounts (including all asbestos-related cases) are around $6 million per case. This is a substantial increase from prior years when plaintiffs were awarded around $900,00 on average for the same types of cases. The individual mesothelioma verdict amount greatly depends on the diagnosis of the plaintiff, how long the plaintiff has been living the with disease, and other factors. No two mesothelioma lawsuits are exactly alike, and therefore the verdicts are almost always different, according to each case. While some cases will garner much higher than the average verdict amount, others may be much lower.

If you or a loved one were diagnosed with mesothelioma or asbestos-related lung cancer, you may be entitled to substantial compensationUse our free Asbestos Attorney Locator Tool to find a top mesothelioma attorney in your area. With over $30 billion currently in asbestos trust funds, now is the right time to take the first step in determining what you may qualify for.

Judge Reading Verdict

The following are some of the highest asbestos-related verdicts in history, yet with verdict amounts increasing seemingly each year, these numbers may grow higher in future cases:

  • In 1999, Deward Ballard, a former employee of Owens Corning, filed a lawsuit against the company after he was diagnosed with mesothelioma. Ballard stated that during the 1960s and throughout the 1970s while working for Owens Corning, he was exposed to asbestos on a daily basis even though the manufacturers and company knew about the dangers associated withasbestos exposure. Owens Corning filed to dismiss, but the motion was denied. A few years later, a verdict was rendered and Ballard received $31 million in punitive and compensatory damages.


  • A $26.6 million verdict was awarded to Michael and Suszi Sutherland after a California jury determined that the county of San Diego was responsible for Michael’s exposure to asbestos which ultimately led to the development ofmalignant mesothelioma. Michael worked as a drywaller for the city of San Diego during the 1970s, a time when an array of materials were filled with asbestos, such as caulk, compounds, joints, drywall, and more. According to Michael, he was always in a rush to complete one job and move on to the next. As a result, it was almost always dusty at his job sites, with asbestos fibers flying airborne as he completed his work.



  • In May 2011, a Mississippi jury awarded plaintiff Thomas Brown $322 million in his compensation suit against Union Carbide. At the time, this was the largest asbestos verdict in U.S. history and included $300 million in punitive damages against the multinational company. However, this award was reversed by another court in Mississippi when Judge Eddie Bowen, who had presided over the trial, admitted to Union Carbide lawyers that his father had sued the company’s Dow Chemical division in an asbestos-related case. The elder Bowen had been tested for asbestosis, but Judge Bowen had not revealed this fact or named his father before presiding over Brown’s case As a result, the judge ordered by the state Supreme Court to remove himself from the trial.



  • Eugene Mccarthy, a three-pack a day smoker, won a verdict of $8.5 million in 2011 after a New York judge determined that it wasn’t smoking that led to lung cancer, which eventually killed him. Mccarthy worked on gaskets provided by Goodyear Tire & Rubber Co. in Canada, which contained excessive amounts of asbestos. In addition, another plaintiff who worked with products manufactured by Goodyear, Walter Koczur, was awarded a $13 million verdict after the same judge determined that his lung cancer was also caused by asbestos exposure. The cases marked the first time ever that Goodyear fought against the charges.



  • In February of 2012, a Newport News, Virginia jury handed down a $9.8 million verdict to a former shipyard who died the previous year from an asbestos-related disease. John K. Bristow was 68-year-old when he passed away. He worked at Newport News Shipbuilding for over 30 years. When he retired, he was a design engineer. Bristow’s mesothelioma attorneys filed the lawsuit against John Crane Inc., the company responsible for supplying asbestos-containing products used at the shipyard during the time period Bristow was employed there. The lawsuit was filed on behalf of Bristow’s survivors, including a wife and two children.



  • Another large verdict came in 2012 when Bobbi Izell, a former construction worker, was awarded $48 million against 10 different companies. Izell was diagnosed with mesothelioma at the age of 85, after working around asbestos throughout the 1960s and 1970s. The main party responsible, at 65%, was Union Carbide, the manufacturers of the asbestos used in products that Izell was exposed to. Although other companies were responsible as well, jurors decided that Union Carbide acted with malice when they kept the health risks of asbestos confidential and allowed their workers to be continuously exposed for decades.



  • In 2002, on of the largest asbestos lawsuit verdicts in California was handed down when Alfred Todak was awarded $33.7 million. Todak, a former Navy electrician from San Francisco, was diagnosed with mesothelioma in 2001. The defendant, Foster Wheeler Corporation, was responsible for manufacturing, supplying, and designing several components that contained asbestos, including insulation, gaskets, and boilers that were used by the United States Navy. Todak was exposed to asbestos at several different job sites while working for the Navy, including the Bethlehem Steel Mill in Seattle, and the Lockheed Shipbuilding and Construction Company, also in Seattle.



Mesothelioma Verdicts

7:34 PM
Mesothelioma, as well as other forms of asbestos-related diseases, occur at an alarming rate, not only in the United States, but across the world. According to the American Cancer Society (ACS), around 3,000 cases of mesothelioma are diagnosed in the United States alone each year. In most instances, victims of these types of diseases were negligently exposed to asbestos, usually while working at a job site that once used asbestos heavily in a myriad of parts, machinery, and equipment. Consequently, people who’ve developed an asbestos-related illness have the right to sue the negligent party that exposed them to the life-threatening mineral, but many may have questions regarding who is responsible, how the lawsuit process works, and more.

If you or a loved one have been diagnosed with mesothelioma or asbestos-related lung cancer, you may be eligible for substantial compensation. There is currently over $30 billion in asbestos trust funds, set up for those who are victims to asbestos-related diseases. Use our free Asbestos Attorney Locator Tool today to find a leading mesothelioma attorney in your area.

Legal Advice

Can I file a lawsuit and sue my employer if I have mesothelioma?


If you have mesothelioma or any other asbestos-related disease, you have the right to sue the party who negligently exposed you to asbestos. However, this isn’t necessarily your employer, even if you were exposed to asbestos while at work. This could be the manufacturing company that supplied your employer with asbestos-containing materials, the company headquarters, or any other entity responsible for your asbestos exposure.

What if I was exposed to asbestos in the military?


If you were exposed to asbestos in the military, you can still file a lawsuit against the manufacturers who provided asbestos to the military, yet you cannot sue the military itself. In many instances, you may also qualify for benefits and assistance via the Department of Veterans’ Affairs.

Do I need to retain a lawyer before I file a mesothelioma lawsuit?


It’s also a good idea to retain the services of an experienced mesothelioma law firmif you plan to file a lawsuit. Mesothelioma and asbestos lawsuits are extremely intricate and the average person generally doesn’t have the experience to uncover all the details of such difficult cases.

Keep in mind that mesothelioma attorneys are knowledgeable and experienced in all aspects of state and federal asbestos laws, and can offer you a wealth of legal advice and help. Most are often sharp investigators as well, and will work to uncover the names of the manufacturers and businesses who are responsible for your asbestos exposure.

What will I receive compensation for if I win my lawsuit?


In general, mesothelioma and asbestos lawsuits provide compensation for the following:

  • Lost wages

  • Medical expenses, including prescription medications, surgery, X-rays, hospital and doctors visits, therapy, rehabilitation, and more

  • Mental pain and suffering

  • Physical pain and suffering

  • In some instances, punitive damages

How much compensation can I receive?


It’s difficult to estimate the actual amount you’ll receive from your lawsuit since each case is unique. However, there are several different factors that go into determining compensation in a mesothelioma lawsuit, such as how long you’ve had the disease, the progression of the disease, medical expenses, how it’s affected your life, and more.

In addition, the amount of time your case takes will generally determine if your compensation amount is higher. For example, in most instances, a quick settlement often provides less compensation as opposed to a trial that takes years. However, if you are ill and need compensation as quick as possible, you have the right to take the settlement if offered, even though it may be a lower amount.

Will I have to go to court?


In most instances, mesothelioma cases are settled out of court. However, it’s important to note that once in a while, if companies aren’t able to come to an agreement on a settlement amount, asbestos-related cases can end up going to trial. If your case goes to trial, there is a possibility that you will have to go to court. Yet, sometimes cases are settled during the trial period as well.

What if I pass away before my case is settled? How long does a mesothelioma lawsuit last?


Unfortunately, there isn’t any set way of determining how long an asbestos-related case will last as each case is unique from the rest. In some instances, lawsuits may settle within several months while other cases may last a few years. The average case generally lasts around 18 months.

A number of courts, however, understand and recognize that asbestos-related illnesses are terminal and that victims may have a short life expectancy, and therefore try to make cases move as fast as possible.

If you pass away while your case is still in progress, your estate normally acts on your behalf and divides your compensation among your surviving dependents and spouse (if applicable). In addition, your family also has the legal right to file a wrongful death lawsuit.

What if I cannot afford a mesothelioma lawyer?


Most mesothelioma attorneys understand that victims of asbestos-related illnesses are not in the position to pay up-front legal fees. Therefore, the majority of experienced and knowledgeable attorneys will offer contingency fee payments.

A contingency-based payment basically means that you pay no money at all up-front, and the lawyer fees are collected from a percentage of your compensation once you win your case.

The contingency amount will vary according to each attorney, but an average range is typically around 25% to 40% of your compensation. Keep in mind, however, that this is just a general range and your own attorney may charge something entirely different. It’s important to understand how much the fees are beforehand so that there will be no surprises once you win your case.

How much time do I have to file a lawsuit?


The statute of limitations for filing a mesothelioma lawsuit will depend upon the state you’re filing your case in. In general, however, most states require that cases be filed within anywhere from one to five years from the time of the diagnosis of the disease.

For more information, be certain to read over our state-specific mesothelioma articles, which provide the statute of limitations for each state.


Mesothelioma Legal Advice

7:29 PM
If you watch television, chances are you’ve probably seen at least one mesothelioma commercial by now. In fact, with so many mesothelioma and asbestos commercials lately, you may even wonder if you can actually trust them. In short, the answer is mostly yes–if the commercials are coming from a reputable and experiencedmesothelioma law firm.

We invite you to use our Asbestos Attorney Locator Tool to find a leading mesothelioma or asbestos lawyer in your area. With over $30 billion currently available in asbestos trust funds, if you or a loved one have mesothelioma or asbestos-related lung cancer, you may qualify for significant financialcompensation.

lawyer group

Why Do I Keep Seeing So Many Mesothelioma Commercials?


Although the Environmental Protection Agency (EPA) placed strict regulations on asbestos use more than 30 years, more and more cases of mesothelioma and other asbestos-related illnesses continue to surface today. This is due asbestos diseases having a long dormancy period of anywhere between 20 to 50 years.

In turn, mesothelioma lawsuits have become an extremely large business for law firms. In fact, many attorneys now specifically specialize solely in asbestos-related cases. One of the reasons attorneys prefer to specialize in mesothelioma lawsuits is that just one case alone can bring in millions for a victim and his/her family. As a result, there are now a myriad of mesothelioma commercials as attorneys seek out clients to represent.

How Do I Know if I Can Trust a Mesothelioma and Asbestos Commercial?


Just like most businesses, there are some asbestos attorneys that are more trustworthy than others, even if they have similar commercials. The key to figuring out if you can trust a particular commercial over another is by researching the lawyer and/or law firm behind the commercial.

A reputable mesothelioma attorney will have a proven track record of successfully representing clients and winning asbestos cases. They will have also have an informational, fact-based website to go along with their commercial, as well as a clear contact details.

Most importantly, keep in mind that even if you see a commercial in which a law firm is advertising mesothelioma and asbestos case representation, this doesn’t automatically mean that the law firm specializes solely in asbestos lawsuits.

As mentioned early, many mesothelioma case are worth millions, and consequently, numerous lawyers are now representing mesothelioma clients even if they don’t have a lot of experience in this area. However, research will help you determine which attorneys are experienced in asbestos lawsuits.

Another thing to keep in mind is that while mesothelioma lawsuits are usually worth millions, the exact amount you’re entitled to depends on numerous different factors, including how long you’ve lived with an asbestos-related illness, the level of severity of the disease, the state you live in, your age, general health, and more. Therefore, no asbestos attorney can tell you up-front exactly how much compensation you’ll receive. While they may be able to give you a ballpark figure, it’s impossible to tell you an exact amount.

Why Do Attorneys Want Me to “Call Now”?


Like many types of lawsuits, asbestos-related cases have a statute of limitations, meaning you only have a certain amount of time to file your lawsuit. The clock starts ticking from the date you were diagnosed with an asbestos-related illness, or for wrongful death cases, time starts the day of the victim’s death.

Statute of limitations vary according to the state you live in. Typically, statute of limitations for asbestos cases range anywhere from one to six years from the date of diagnosis or from the date of the victim’s death.

Why Do Asbestos Commercials Say I Pay Nothing Up-Front?


Mesothelioma law firms generally work on a contingency-fee basis. A contingency payment plan simply means that you pay nothing up-front for your case. Your attorney will collect the fee for representing you once you win your case.

Be wary of law firms that refuse to work on a contingency-fee. This typically means there isn’t enough funds available to properly research your case and give you the best chances of success.

A Mesothelioma Commercial Told Me I Should Be Concerned If I Worked in the Construction Industry


Prior the late 1970s and in some industries, the 1980s, asbestos and asbestos-containing products were used heavily at numerous job sites. The construction industry in particular put many workers at risk due to the sheer amount of asbestos workers were around. Asbestos was used in insulation, wiring, pipes, tiling, walls, and much more. Other industries and job sites associated with asbestos include:

  • All branches of the military

  • Refineries

  • Oil companies

  • Paper mills

  • Breweries

  • Automotive plants

  • Metal works

  • Power plants

  • Shipyard workers

  • Firefighters

  • Railroad Workers

Even spouses and children are at risk of developing an asbestos-related illness if they came into contact with asbestos in the home. In the past, it wasn’t unusual for people to come from a job site with asbestos embedded in the hair, skin, and on their work clothes. By simply changing clothes at home or giving a loved one a hug, those who never worked around asbestos were placed at risk of developing mesothelioma and other life-threatening, asbestos illnesses.


Should I Trust a Mesothelioma or Asbestos Commercial?

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If you’ve been diagnosed with mesothelioma cancer or any other illness caused by prolonged exposure to asbestos, there are many decisions you must make. Of course, your top priority will be taking care of yourself and focusing on the medical aspects and mesothelioma treatment choices. You will also have to deal with an array of issues, such as how much will it cost to treat your asbestos-related illness and how will it affect your family. In the first few days, you might not even think about hiring a mesothelioma lawyer because of your pressing emotional and medical concerns.

If you or a loved one has been diagnosed with mesothelioma or asbestos-related lung cancer, keep in mind that you may be entitled to substantial compensation. We invite you to use our Asbestos Attorney Locator Tool to find a topmesothelioma lawyer in your area. With over $30 billion currently in asbestos trust funds, now is the right time to take the first step in determining what you may qualify for.

Need a Lawyer

Hiring the Best Mesothelioma Attorney


If this is the first time that you have needed to hire an attorney, you need to know that asbestos and mesothelioma cases should not be handled by just anyone with a law practice. Like car accident or nursing home abuse lawyers, asbestos and mesothelioma attorneys specialize in a narrow niche of personal injury law, with a unique focus on asbestos-related lawsuits.

This field is extremely complex and requires knowledge about the asbestos industry, knowledge of mesothelioma treatments, exposure to asbestos, and investigative methods to determine who is at fault. The average personal injury lawyer might have a general idea about cases related to asbestos, but may not have the experience or skill sets to handle your case in a way that an accomplished mesothelioma lawyer can. A mesothelioma attorney has the right tools and experience to help you deal with the complexities of your case and to help you win fair compensation for your asbestos-related illness.

Keep in mind that there is no one-size-fits-all mold which produces mesothelioma and asbestos lawyers. Every individual lawyer has a unique method of handling cases, and each law firm has its own set of legal strategies in dealing with asbestos law. Some lawyers have dealt with cases such as yours for years and understand first-hand about the disease, including the harsh symptoms of mesothelioma and what victims have to live with on a daily basis.

On the other hand, other attorneys are newcomers to the world of mesothelioma law, and although they may have asbestos-related training, they lack the experience of actual cases. Choosing the right lawyer to handle your case can be a challenge, especially if you’re stressing over your illness, your bills, and how this is affecting your loved ones. However, as previously mentioned, if you arm yourself with knowledge and options, finding a good lawyer doesn’t have to be difficult.

Steps To Finding The Best Lawyer or Law Firm


Choosing a mesothelioma attorney is not a task that should be done in haste. You should never hire a lawyer just because a law firm’s TV ad was loud and flashy. There are many attorneys and law firms competing to handle asbestos or mesothelioma cases, but some are inexperienced newcomers who might not be able to handle your case properly. You need to separate the good lawyers from the not-so-good ones. But with so many law firms and attorneys out there, how do you find the right one?

1: Research

The first step is to do research on mesothelioma and asbestos attorneys. This sounds easy enough, but it requires time, patience, and energy. These three assets might be in short supply, especially when you are tired and don’t feel well, yet it’s important to make sure you seek out the mesothelioma law firm for your particular case and needs. Even if they don’t, they can help you conduct Internet searches and make lists of law firms or attorneys who may be qualified to handle your case.

Whether you conduct your own research or delegate it to others, look for attorneys with the right qualifications and established histories of dealing with asbestos law. Don’t make a list that’s too long. Select a manageable number of prospective mesothelioma law firms and ask for a case evaluation as quickly as possible. If a law firm can’t evaluate your case in a timely manner, there is a chance they may be too busy to take on your case. With cases as sensitive as mesothelioma lawsuits, you’ll need an attorney who not only has the experience, but also the time and effort to dedicate to your case.

2: Internet

Looking on the Internet is a convenient and relatively simple method to find the best attorney. The search terms “asbestos lawyer” and “mesothelioma attorneys” yield literally thousands of search engine results. Though the sheer number of lawyer websites is staggering, you can figure out the better ones simply by reading the information provided on home pages and FAQ sections. An experienced mesothelioma law firm’s website should provide you detailed information regarding all aspects of asbestos-related diseases, state statute of limitations, pertinent information regarding lawsuits, and answers to important questions you may have.

3. Comprehensive Websites

If the information is well-written, free of hyperbole, and covers detailed information, add the firms’ names to your list of possible choices. Steer clear of websites belonging to attorneys who make exaggerated promises about how much you will win if you retain them to handle your case. Although it’s important to seek out a law firm’s track record of previous successful mesothelioma lawsuits, no law firm can guarantee exactly how much you’ll win.

Keep in mind, however, that although mesothelioma legal cases were relatively obscure until the number of documented mesothelioma cases rose in the 1990s and 2000s, they are usually lucrative.Yet, there are an array of factors that affect each case, such as the stage of the disease, how you long you were exposed, and much more. Therefore, it’s not possible for a mesothelioma law firm to promise you a set amount of money beforehand. The best lawyers will never make you false promises of how much compensation you can win.

Key Points in Finding the Best Law Firm


  • Knowledgeable in all aspects of state and federal asbestos laws

  • Extensive knowledge of all asbestos-related diseases, such as malignant mesothelioma and asbestosis

  • Training on how to handle families with lost loved ones and/or victims going through emotional trauma

  • Proper investigative skills in order to research prior company records, and if applicable, previous lawsuits against the defendant

  • A professional law firm typically offers a no-obligation consultation in order to determine if they can successfully handle your case

Additional Tips:


Get Client References: If you want to find out how well mesothelioma lawyers handle their cases, ask for testimonials from some of their clients. Prospective hires will provide you with a list of satisfied clients who have cleared the attorneys to give to their names and contact information. You probably will see only positive feedback, but you can get a good feel for how successfully the lawyers handled previous cases.

Get a Consultation: Once you have a short list of attorneys that fit the needs of your asbestos lawsuit, begin contacting them and ask for a pre-screening. The initial contact can be made on the Internet via the attorneys’ websites or by phone. The consultation, however, is best done in person because this is when the attorneys evaluate your case. During this evaluation, the asbestos lawyers will advise you on your case’s validity, your chances of getting a settlement, and how much of a percentage of the award they will get if you win. Keep in mind, as aforementioned, the best mesothelioma lawyers will usually offer you a free, no-obligation consultation before taking on your case


How to Find the Best Mesothelioma Lawyer or Law Firm

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The majority of  asbestos-related lawsuits typically end in settlements instead of trials, which helps plaintiffs receive compensation as early as possible. This usually happens because a diagnosis of mesothelioma cancer or other asbestos-related diseases typically shows that there is enough substantial evidence that supports the plaintiff’s lawsuit. Since there is no guarantee that the defendant will be victorious during a trial, especially with cases involving diseases associated with workplace exposure, settlements are normally the end result of mesothelioma lawsuits, and compensation therefore follows.

If you or a loved one were diagnosed with mesothelioma or asbestos-related lung cancer, you may be entitled to substantial compensation. Use our free Asbestos Attorney Locator Tool to find a top mesothelioma attorney in your area. With over $30 billion currently in asbestos trust funds, now is the right time to take the first step in determining what you may qualify for.

Settlement Check

Mesothelioma Compensation Amounts


The biggest question most mesothelioma victims ask when it comes to settlements is the compensation amount. Unfortunately, there is no clear-cut answer to this question as settlement amounts differ according to the details of each case. Some settlements can be small to moderate while other settlements can reach millions of dollars.

When determining a settlement amount, a variety of factors are considered. First, medical costs and expenses are factored in. Typically, the longer and more extensive the treatment, the more compensation you’ll receive. For example, a victim who has lived through long-term symptoms of mesothelioma and endured a series of mesothelioma treatments is more likely to be awarded a higher settlement amount than someone who was exposed to asbestos but has yet to have symptoms or be diagnosed. Again, this is not a set rule, and each case is different.

Common medical expenses include:

  • Medications

  • Rehabilitation

  • Chemotherapy

  • Surgery

  • Radiation

  • Physical therapy

  • Alternative treatments

In addition, the loss of wages and time spent traveling to treatment centers are factored in, from time lost for travel, gas mileage, hotel fees, and food prices. It’s a good idea to always keep receipts and documentation of all monies spent that’s related to the treatment of your disease.

The company you were employed by when you were  exposed to asbestos also plays a big part in the settlement amount. Some companies willingly allowed employees to continue to be exposed to asbestos even after the mandatory laws prevented any use of asbestos in the workplace. In instances such as these, compensation may be much higher for those victims as opposed to those who were exposed before laws prevented asbestos use on jobsite. This is not to say, however, that you don’t have a viable case or that your settlement amount will be low if your exposure happened prior to the ban of asbestos on job sites..

Family members may also be represented into the settlement amount. For example, if your disease has rendered you unable to work and your family is suffering and will continue to suffer from an economic loss, your loved ones may be able to be compensated. Emotional trauma and the loss of companionship could be factored into your settlement as well. In the event of the death of a loved one from an asbestos-related disease, family members and/or dependants have the legal right to file a wrongful death lawsuit, which may bring about a substantial settlement amount.

How Mesothelioma Settlements Work


mesothelioma lawyer will usually provide a compensation amount to the defendant and/or the defendant’s attorney. In many instances, the defendant’s attorney will try to negotiate a lower dollar amount on behalf of their client. Yet, an experienced asbestos attorney knows and understands that this will happen, and will not immediately settle for a lower amount.

Unfortunately, victims without legal representation are sometimes relieved to be offered any amount of money at all to help with their overwhelming expenses, and therefore will settle for an amount a lot less than they are entitled to. This is why it’s crucial to have an experienced mesothelioma law firm on your side when seeking damages in a mesothelioma claim. Defense attorneys can and will try to negotiate a much lower settlement amount than you deserve.

Moreover, the defendant’s attorney may continue to offer this lower settlement right up until time for the case to go to a  trial. This is typical, and in most cases, if you hold on to your amount, the case will be settled in your favor before having to go through the trial process. Even if the case does happens to go to trial, the defendant can still offer to settle at any time and agree to your proposed settlement. If the evidence against the defendant is overwhelming, the defendant’s attorney will almost always rather settle out of court. As previously mentioned, the majority of cases will settle, even if during trial, because:


  • The defendant’s attorney realizes there is no way to win; the plaintiff’s discovery package is too damning and the evidence against the defendant is too strong.



  • The fees continue to add up as the trial proceeds and continues.



  • The defendant doesn’t have enough time to research everything thoroughly before and/or during trial.



  • Other mesothelioma lawsuits start piling up against the defendant, which makes it more likely that you’ll get a favorable verdict.


Once a settlement amount is agreed upon, your claim against the defendant will be dropped and the payment will be set up. Keep in mind that attorney fees are usually the first thing taken out before you receive your money. The amount will depend upon the agreement you made with your attorney before the case was taken on. If you are awarded a large settlements, there is a good chance that you’ll be paid in monthly installments as opposed to the entire sum at once. Then again, this entirely depends upon the defendant’s financial situation.

 Many companies have faced and anticipate facing additional asbestos-related lawsuits, and therefore have already set up a trust fund  for the sole purpose of paying off settlements. As previously mentioned, a large amount of compensation, over $30 billion, is already waiting for future plaintiffs via company trust funds.

Examples of How Compensation Varies


As previously mentioned state you live in, how long you’ve had an asbestos-related illness, and other mitigating factors contribute to the amount of money you may receive. The following are a few examples of how settlements vary.

One of the biggest mesothelioma settlements occurred in 2011 when a Missouri circuit court judge approved a $43 million settlement for over 1,300 miner workers in Libby Montana. The settlement amounts varied significantly, with the compensation anywhere between $500 to $61,000 per person.

In the state of New Jersey, a construction worker’s family received a settlement amount of $2.1 million after he passed way, whereas a New Jersey Navy veteranreceived $460,000 after he developed asbestos-related lung cancer.

In California, a former plastic molder received $18.5 million in 2006, after developing mesothelioma. In 2012, a former Los Angeles contractor’s family received $48 million after the victim developed an asbestos-related disease via routine home inspections.

In New York, a boilermaker received $3.7 million after develop asbestos-related lung cancer, but a maintenance worker in New York received $2 million after amesothelioma diagnosis.

Other Types of Asbestos Compensation


There are a few options that mesothelioma victims and their loved ones may qualify for, including:

Bankruptcy Trust Funds


Many businesses file for bankruptcy after major lawsuits are brought against them by mesothelioma victims. Yet, this doesn’t mean the company is actually bankrupt. In many cases, it means that the courts have mandated that these companies set up a trust fund specifically for future mesothelioma victims. Trust funds are set up primarily for the following reasons:


  • Companies and businesses responsible for exposing their employees to asbestos will have a way to keep up with future payments for more victims.



  • Trust funds can be funded by mandatory contributions from all entities who built their own fortunes via asbestos use and/or production.



  • Companies who have filed Chapter 11 because of asbestos litigations may be summoned to open a trust fund account in which half of their equity will go in.


Veterans Compensation


If you served in the military and were injured by asbestos, your compensation may come from the Veteran’s Administration (VA), but not in the form of a lawsuit settlement. The VA provides disability compensation if it’s proven that your injuries happened during your time in service. These disability payments are generally for life. For additional assistance, contact your local VA and/or discuss your options with your attorney.

However, you still may qualify for compensation if you developed an asbestos illness while serving, but the money will not come from the government. Instead, it will come from the parties who supplied asbestos products to the military. For example, if someone works at a Naval Base as a ship builder and worked around asbestos-containing materials (ACMs), the manufacturers and companies that supplied the ACMs to the Naval Base would generally be the culpable party.

Trial Verdicts


As previously stated, most mesothelioma and other asbestos-related cases do not go to trial. However, in the event that your case does go to trial, your compensation amount will depend on the trial verdict. A jury will be responsible for determining the outcome.

As with settlements, there is no way to predict what amount of money you’ll receive if your case goes to trial. Trials are also generally longer than settlements, and there are no guarantees of what the verdict will be. If you do win your trial, defendants who lose their case in a trial have the legal option to appeal the decision. This is not meant to sway your from seeking a trial if a settlement cannot be met, but to give a general idea of what may happen.


Mesothelioma Compensation

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Since numerous people have filed a mesothelioma lawsuit in the past few decades alone, asbestos litigation has become one of the most expensive and intricate types of cases in the history of United States court cases. The majority of asbestos claims are made up of plaintiffs who have been diagnosed and are suffering frommalignant mesothelioma or other diseases after prolonged exposure to asbestos in the workplace. In other instances, a wrongful death lawsuit is filed on behalf of the victim by loved ones in the event that the asbestos illness causes death before the victim can seek compensation.

Over $30 billion is currently available in trust funds for victims of asbestos-related diseases. If you or a loved one have been diagnosed with mesothelioma or asbestos-related lung cancer, you may qualify for substantial compensation. Use our free Asbestos Attorney Locator Tool today to find a leading mesothelioma attorney in your area.

Lawsuit Document

Filing a Lawsuit for Mesothelioma


If you or a loved one is a victim of an asbestos-related illness and you’ve decided to file a lawsuit, keep in mind that it is crucial that you follow certain procedures in complex cases such as these.

Legal representation from an experienced attorney who has dealt with asbestos cases, whether mesothelioma class action lawsuits or individual cases, is highly recommended. Asbestos laws and lawsuits have an array of complications and details that many general practice lawyers may not be familiar with, let alone an average person who is already dealing with a life-threatening disease. An experienced, knowledgeable asbestos attorney understands the detailed process of a lawsuit and will help you significantly.

1) Gathering Important Documents


To begin the process, you and your asbestos attorney will start by gathering pertinent information that will help you to prove your case. For example, typical information consists of your past employment history, medical history and reports, medical expenses that you’ve incurred since the beginning of your illness, documentation of asbestos in the workplace, documentation of physical disabilities and activities you can no longer do, and what disabilities you now live with afterasbestos exposure. Your asbestos attorney will be able to give you additional details as to what information needs to be gathered for your specific case.

2) Pre-litigation Stage


Before attorneys file a complaint, they go through a pre-litigation stage in which they’ll try to negotiate and settle with the defendants before submitting your case to the court. In some cases, the defendants may choose to settle at this point, but in most instances they will refuse to negotiate.

This is completely normal, as most defendants do not want to pay out money for their mistakes, and initially, they’ll deny your claim and deny that they were at fault for your illness. Experienced mesothelioma lawyers are well-aware that this will more than likely happen, and will know how to handle this part of the process.

If a settlement isn’t reached during the pre-litigation stage, your attorney will file then file a complaint, also called a written complaint. A complaint is a document submitted to the court that describes the basic information on your lawsuit, legal references that substantiate your claim, the names of other parties involved, and what your desired outcome is.

Keep in mind that other parties involved may be one person or company, or several. Once your complaint is submitted, it will get the process rolling in the court of law. The defendant or defendants involved will receive notification letting them know that you have filed a lawsuit against them. The defendants will receive a copy of the complaint and will then have a certain amount of time to file a response.

Usually, 30 days are allotted in order for the defendants to respond. Once a response is received, your attorney will spend time preparing the arguments and evidence. This can include gathering key witnesses and medical experts, preparing proof of asbestos use at your previous workplace, and gathering any other pertinent information. This process is known as the “discovery.”

If the defendant does not respond, the court may enter a judgement against them, which results in a default decision in your favor. At this point, your attorney will be able to provide you with information regarding the damages you’re entitled to.

3) The Discovery Phase


Mesothelioma lawsuits almost always have a discovery phase. During the discovery phase, the defendant’s attorney will typically try to rebuff your case and look for evidence that their client did not cause your illness. It’s your attorney’s job to gather as much evidence as possible, as previously mentioned, in order to prove your case.

Because of the complexities involved during this part of the procedure, the discovery process may take several months or more to complete, making it the longest part of the process. Both sides are afforded the opportunity to investigate the other side’s information and position regarding the case. Both sides are also allowed to ask questions, review your medical and work history, and take part in depositions.

It’s important to understand beforehand that the discovery phase is typically the most uncomfortable part of your lawsuit. Your personal life, habits, and history may be investigated and combed through thoroughly, and your family, friends, and even co-workers may be interviewed. Keep in mind that this is just part of the legal process.

In addition, during the discovery phase, the likelihood of the case going to a trial vs. a settlement will become more apparent. For example, the defendant’s attorney may see that the evidence against their client is overwhelming, whether through medical documents that supports the case, past work history of the plaintiff, history of asbestos use from the defendant’s company, and more. At this point, the defense may decide to negotiate a settlement instead of rebuffing the substantial evidence. If this happens, the discovery phase will be shortened significantly.

Once the discovery phase is over, your attorney may also offer to settle out of court with the defendant. If the evidence is strongly in your favor, the defendant’s attorney will have no problems attempting to negotiate a settlement. If, however, the defendant refuses the settlement amount, going to trial is the next step.

4) Trial or Settlement


If your case goes to trial, depending on the laws in your state, you may or may not have to appear. Your attorney will be able to provide you information pertaining to the laws in your state. Once the trial starts, both sides will be provided the opportunity to present evidence, examine witnesses, and provide information in order to convince the jury that their client is in the right.

The length of trial will depend upon witnesses, medical documents, and how complicated your case is. However, the trial phase is usually shorter when compared to the discovery phase.

After presenting evidence on both sides, the plaintiff and defendant’s attorneys will both have the opportunity to sway the jury via closing arguments. Closing arguments give both sides a final chance to reiterate why the verdict should go in their favor.

Once the jury has rendered a verdict, the trial phase is over. You’ll then learn if you have lost or won your case. If you win your case, you’ll be told the exact amount of damages owed by you from the defendant.

You can typically expect to start receiving payments within a few months if you win your case, although disbursements times will vary according to state. It’s important to keep in mind, however, that the defendant does have the legal right to appeal the court’s decision, which will ultimately end up prolonging your payments. Again, your attorney will be able to explain the appeals process and how it applies to your particular case.

If your lawsuit can be settled between your attorney and the defendant, then a trial will be waived once a settlement amount is agreed upon. It’s difficult to predict the exact settlement amount as each case differs and comes with its own wide array of different variables.

Yet, most settlements amounts generally factor in lost wages, medical expenses, the length of time you’ve lived with the illness, the severity of the illness, mental and emotional suffering, physical discomfort, and the amount of money, including filing fees.

Defendants can also choose to settle at almost anytime, even right up until the first day of the trial. In most cases, as previously discussed, mesothelioma and asbestos-related lawsuits are settled out of court. It’s not unheard of to go into court on the first day to learn that the defendants are ready to settle. In facts, studies suggest that between 80 to 90% of personal injury cases will settle.

“Most of the time, one of the parties has made some kind of miscalculation or mistake. The interesting thing about it is the errors the defendants make are much more costly,” said Cornell law professor, Jeffrey J. Rachlinski.

Regardless of whether your case goes to trial or is solved via a settlement, you can usually expect to receive your payments on a monthly basis as opposed to a lump sum, as most compensation amounts for mesothelioma cases are substantial. In rare instances, you may get offered a lump sum payment, but in most instances, large compensation amounts will come as recurring, monthly payments.

Although a settlement will not help you to completely rid yourself of mesothelioma, the painful symptoms of mesothelioma, and other hardships because of the disease, the compensation is a way for companies, employers, and others who are at fault to pay back for the dangerous situations they exposed you to. In other words, it will not cure your disease, but it will hold the people responsible that contributed to your illness and will help ease the financial burden on you that was brought about from your asbestos exposure.

Wrongful Death Lawsuits


It’s important to note that there are generally two different types of mesotheliomalawsuits: personal injury or wrongful death. A wrongful death lawsuit occurs when a family member files on behalf of someone who has died from their asbestos-related illness. A personal injury claim on the other hand, is filed on behalf of yourself if you have an asbestos-related illness or behalf of a family member who is too ill to personally file the case.

Although wrongful death is similar to a personal injury claim in that it involves asbestos-related illnesses, people who file wrongful death lawsuits may be eligible for damages that aren’t available in personal injury claims. For instance, funeral expenses and emotional suffering due to losing a loved one are generally honored.

Furthermore, damages for loss of consortium, loss of mentoring and guidance to minor dependents, and loss of financial care to dependents are also generally honored in wrongful death cases.

Statute of Limitations on Wrongful Death


Statute of limitations for wrongful death differ from personal injury claims. In some states, the statute of limitations may be as short as one year, whereas other states may offer two or three years.

In addition, some states’ statute of limitations starts during the “date of discovery,” meaning if a physician misdiagnoses a patient, yet it was discovered years later that the patient actually passed away from cancer, the statute of limitations begins on the date that family discovered the real reason for the victim’s death.

Additional Information to Consider


  • There is a chance that you may need to file your lawsuit in a different state. However, this doesn’t mean you’ll need to travel. In instances when you have an out-of-state case, your attorney should make all of the preparations and handle the case. Your attorney will travel to you when needed.

  • Although the lawsuit process can take several months or even years, the case may be expedited for those in extremely poor health. It’s common for the defense to try and drag the case out as much as possible, even when the plaintiff’s health is deteriorating, but an experienced attorney will work to get the case solved as soon as possible.

  • Victims of mesothelioma and other asbestos-related diseases typically aren’t legally allowed to file a class action lawsuit. The reasoning behind this is because each person’s medical history is different. Each lawsuit must generally be filed individually.

Time Limitations


It’s important to file your lawsuit as soon as possible. These cases are time-sensitive and each state has its own statute of limitations. It’s important to look up your state’s statute of limitations or if your case is filed out-the-state, the statute of limitations for the state where your case is filed. State laws typically give plaintiffs one to five years to file the lawsuit, starting from the time the asbestos-related illness was diagnosed or from the time the illness was discovered.

If the victim of the asbestos-related illness has already passed away, the spouse, dependents, and/or heirs usually have one to three years from the date of death to file a wrongful death claim. Again, the time limit to file will vary according to state.

How to Pay an Attorney for Representation


Mesothelioma attorneys usually have different fees according to each law firm. However, an experienced and prominent mesothelioma lawyer should always have the financial resources to handle your case. In turn, these attorneys are able to work on a contingency fee, meaning that you won’t have to pay anything up front. Once you win your lawsuit, whether through trial or settlement, your attorney will then be paid a percentage of the compensation you won.

Attorney shaking client

Keep in mind that if an attorney doesn’t work on a contingency fee basis, it’s a good idea to find legal representation elsewhere. You need an attorney who has the up-front resources in place in order to prove your case.

The most common contingency fees range from 25% to 40% of the overall amount won by a plaintiff. Some mesothelioma trust funds place a cap of 25% on contingency fees. Make sure you fully understand your attorneys contingency fees and how the fee process will work beforehand so that you don’t run into any confusion once you win your case.

What To Look for in a Mesothelioma Lawyer


As previously noted, mesothelioma lawsuits are some of the most intricate, difficult cases to handle. Therefore, it’s imperative to retain legal representation from a law firm that specifically specializes in asbestos-related cases. Not only should a law firm specializes in these types of cases, but they should also have a proven track record that indicates past success.

Keep in mind that just like physicians, there are different areas of expertise in law. For example, one physician may specialize in neurology while another may specialize in pediatrics. Lawyers are no different. There are a vast array of different law specialties, such as car accident, criminal, medical malpractice, general practice, and more.

Mesothelioma attorneys have in-depth knowledge regarding asbestos-related diseases, state statute of limitations, how to find the culpable parties, sharp investigative skills, and vast knowledge regarding asbestos trust funds.

History of Important Lawsuit Landmarks


Although mesothelioma is still considered a relatively rare disease in the medical world, it has been 50 years since the first mesothelioma lawsuit was filed.

The lawsuit, filed in 1969 by industrial worker Clarence Borel, became the legal turning point for victims of asbestos-related disease, as it gave victims a way to be compensated from their injuries after Borel won his case against the Fibreboard Paper Products Corporation.

Numerous memorable events preceded and followed the first asbestos, which has further helped victims and their loved ones have the ability to seek the damages they are entitled to, including:

1963-1965 Asbestos Medical Findings


Between 1963 to 1965, three physicians, Drs. Churgg, Hammond, and Selikoff, proved beyond a doubt that asbestos exposure was linked to damaging diseases. Dr. Selikoff, a general medicine physician in Paterson, New Jersey, was asked to treat members of the Asbestos Workers Union in the early 1960s. Shortly after, he noticed that a myriad of workers were suffering from mesothelioma, a disease that was and is still considered extremely rare.

In 1963, Dr. Selikoff, after extensive research, published his findings on the link between mesothelioma and asbestos in the Journal of the American Medical Association. Dr. Chugg and Dr. Hammond published similar findings, which prompted the Occupational Safety and Health Administration to enforce workplace safety regulations in regards to asbestos for the first time ever.

In 1965, Dr. Selikoff published what has become known as his most well-known findings of asbestos. Entitled “Biological Effects of Asbestos,” it was published in the Annals of the New York Academy of Sciences.

1965 Tort Laws


In 1965, the The American Law Institute of The Restatement of the Law of Torts published section 402A, which states that any party “who sells any product in a defective condition unreasonably dangerous to the user or consumer or to his property is liable for the harm caused by that product to the consumer or end user.”

Although it doesn’t include harm that comes after people have been warned of the dangers of a product, when courts made the decision that asbestos manufacturershad the obligation to inform people of the dangers of their product, a plethora of mesothelioma lawsuits followed.



Mesothelioma Lawsuit

4:13 AM



If something happens to your rental car, even a flat tire (or two), you are responsible for the damage.CreditH. Armstrong Roberts/Retrofile/Getty Images


With every car rental transaction comes the slightly uncomfortable moment when the agent behind the counter tries to foist the company’sinsurance on you. When this happened to me at Hertz at the Hilo International Airport in Hawaii a few weeks ago, I did what I always do: I firmly and politely said no, thank you.


It’s been ingrained in me that buying into the rental company’s insurance is a waste of money. In my case, it would have nearly doubled the price of my rental. I have personal auto insurance and was vaguely confident the credit card I used to rent the car, a Chase Sapphire Preferred card, offered some kind of coverage. Besides, I thought, nothing had ever gone wrong.


And then something went wrong.


One minute I was on my way to an afternoon tasting on a Kona coffee farm, the next I was on a rocky shoulder with two flat tires in an area with no cellphone service and few houses, trying to find some way to call for help. In the ensuing hours and days, I learned some valuable lessons about what happens when you damage your rental car.


If something happens, you’re responsible.


Of the umbrella of insurances Hertz tries to sell you, the one you need to pay attention to is the loss damage waiver, which covers damage to the vehicle. If you don’t buy it through Hertz, it doesn’t matter if you were saving orphans from a burning building — if any part of the car is damaged, you are responsible, regardless of how it happened.


In my case, two flat tires was a “no-fault” incident that involved no other drivers. No matter: I was on the hook. Hertz would demand remuneration, be it out of my pocket or through personal auto, credit card or other insurance.


Know what your insurance covers.


Before you rent, find out what your card and personal auto insurance offer, and then supplement what they don’t through the rental agency. If you have personal car insurance with comprehensive and liability, it most likely will cover your rental car. Call your insurance company to verify. Filing a hefty claim with your insurance, keep in mind, will probably raise your premium.


Credit card rental car insurance can be primary or secondary. Primary means it’s a first line of defense. Secondary means it’s, well, secondary. “Many people incorrectly assume that all credit card rental protection is the same,” said Mark Orlowski, Marketplace Morning Report travel contributor. “If it’s secondary coverage, you’ll be forced to involve your primary personal auto insurance company and file a claim before you can get anything from your credit card company.”


The coverage offered by my Chase Sapphire Preferred card is primary, and offers reimbursement up to the value of the car if the car is damaged or stolen. It does not cover personal liability — that is, if you or someone else gets hurt.


Some cards, like the American Express Platinum Card, offer limited personal liability. Car rental companies offer supplemental liability insurance, typically increasing the coverage amount to $1 million. Do you need that much coverage? Probably not. Are there times when it makes sense? Sure, especially if you have a high deductible.


AAA is worth it.


Instead of using Hertz roadside assistance to tow my car (which would have cost hundreds of dollars), I used my own AAA Plus membership, which provides up to four free tows per year, up to 100 miles each. The AAA Plus membership has other benefits too, like flat tire service — provided you have only one flat tire. In my case, with two flat tires, they would only tow my car.


Note that this applies within the 50 states — overseas it becomes trickier. There are international auto clubs, some of which offer reciprocal services.


It’s not over till it’s over.


When I got back to Hertz, I filled out an incident report, signed off on a vehicle inspection form that noted two tires were damaged, and paid $148 for the two tires right at the desk. I returned home, smarting from the additional cost but happy little else was damaged but my pride.


Then, nine days after the incident, I received an email with a lengthy attachment from a collections specialist at Hertz informing me that, upon further review, two wheels on my rental were scraped and needed to be replaced. The bill? $1,475.88. (Weeks later, I still haven’t resolved this.)


Call your personal insurance. Or don’t.


In the event your credit card claim is denied, you may find yourself calling your personal insurance provider months after the fact. And when that happens, they’ll probably ask why you didn’t call them sooner to report the incident.


Even though I was using my credit card as primary insurance, I called Geico to let them know what happened with my rental. They then filed their own report without starting an actual claim. That way, I will have the option of opening a claim later in the event the credit card insurance doesn’t come through.


Word of warning: Don’t call your insurance company with hypotheticals like “Hey, what if, say, my tires blew out on a rental car and I wasn’t sure if I should report it to you?” They’ve already started a report before you even finished the sentence.


Get copies of everything.


I was directed by Chase to a third-party site, eclaimsline.com, to file my claim. Upon filing, you’ll need copies of things you didn’t even know existed, let alone were in your possession.


You’ll occasionally get the feeling that benefits administrators are making you jump through hoops to wear you down, knowing that many people will give up on their claims if the process is difficult enough.


Some of these items can be comically difficult, or impossible, to obtain. I was bounced around for hours on the phone before getting my “proof of service” from AAA.


Itemizations can also be tricky: Card Benefit Services told me they required an “itemization” — not just a bill, or receipt — for the $148 I paid for the two tires. When I wrote to the specialist at Hertz asking for this itemization, she informed me that such a thing did not exist.


Take lots of phone pictures.


You shouldn’t only take pictures in the event of an accident: It never hurts to get before and after pictures as I did.


Mr. Orlowski, the Marketplace Morning Report contributor, referring to his own experience, said doing that “saved me many hours of headache when Avis billed me $518 six months after the rental was over for a golf-ball sized hole in the front bumper. I sent them the photo I had taken showing the bumper damage at pickup and the issue was quickly resolved.”


Turn down the arbitration provision.


When you rent a car through Hertz, you are, whether you like it or not,agreeing to private arbitration in the event of a dispute — an arbitration process that, among other things, does not allow for meaningful appeals and is heavily weighted in favor of the corporation.


With Hertz, the arbitration provision is buried deep in the fourth page of the rental agreement. Fortunately, you can opt out of forced arbitration with Hertz if you email them within 30 days of renting, saying you reject the provision.




Do You Really Need Rental Car Insurance? 8 Things to Know
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