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	<title>Colorado Law Blog</title>
	<atom:link href="http://www.lawcolorado.net/blog/feed" rel="self" type="application/rss+xml" />
	<link>http://www.lawcolorado.net/blog</link>
	<description>Beth Klein's Personal Injury Law Blog</description>
	<pubDate>Wed, 17 Jun 2009 23:52:26 +0000</pubDate>
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			<item>
		<title>Klein &#124; Frank, P.C. accepting deceptive warranty cases against CARHILL ENTERPRISES, INC. aka CONSUMER PROTECTION SERVICES</title>
		<link>http://www.lawcolorado.net/blog/deceptive-trade-practices/klein-frank-pc-accepting-deceptive-warranty-cases-against-carhill-enterprises-inc-aka-consumer-protection-services/</link>
		<comments>http://www.lawcolorado.net/blog/deceptive-trade-practices/klein-frank-pc-accepting-deceptive-warranty-cases-against-carhill-enterprises-inc-aka-consumer-protection-services/#comments</comments>
		<pubDate>Tue, 26 May 2009 17:34:48 +0000</pubDate>
		<dc:creator>bethklein</dc:creator>
		
		<category><![CDATA[Deceptive Trade Practices]]></category>

		<category><![CDATA[Extended Auto Warranties]]></category>

		<category><![CDATA[auto warranty scams]]></category>

		<category><![CDATA[automobile warranty scams]]></category>

		<category><![CDATA[CARHILL ENTERPRISES]]></category>

		<category><![CDATA[CONSUMER PROTECTION SERVICES]]></category>

		<category><![CDATA[extended automobile warranties]]></category>

		<category><![CDATA[extended car warranties]]></category>

		<guid isPermaLink="false">http://www.lawcolorado.net/blog/?p=83</guid>
		<description><![CDATA[Klein &#124; Frank, P.C. is accepting deceptive warranty cases against CARHILL ENTERPRISES, INC. aka CONSUMER PROTECTION SERVICES of St. Louis.
Klein &#124; Frank, P.C. is accepting cases against this defendant who sold extended automobile warranties that are not worth the paper they is printed on. These &#8220;extended warranties&#8221; may promise to reimburse you the full price you paid for it, [...]]]></description>
			<content:encoded><![CDATA[<p>Klein | Frank, P.C. is accepting deceptive warranty cases against CARHILL ENTERPRISES, INC. aka CONSUMER PROTECTION SERVICES of St. Louis.</p>
<p style="margin: 0pt;">Klein | Frank, P.C. is accepting cases against this defendant who sold extended automobile warranties that are not worth the paper they is printed on. These &#8220;extended warranties&#8221; may promise to reimburse you the full price you paid for it, if you don&#8217;t make a claim during the policy period.</p>
<p style="margin: 0pt;">
<p style="margin: 0pt;">What the telemarketers do not tell you is that the policy begins to run on a date much earlier than they represent, usually years earlier, so that when you call to get your money back, they tell you that extended warranty expired 2 or 3 years sooner than you expected. So, rather than buying a warranty that really <strong style="mso-bidi-font-weight: normal;"><em style="mso-bidi-font-style: normal;">extends</em></strong> the car manufacturer&#8217;s warranty, you have paid for a &#8220;warranty&#8221; that ran during the same time as the original warranty on your car and did not provide any additional benefits.  To make matters worse, the critical dates are often omitted from the contract you receive and other important language is hidden in the fine print of the document.</p>
<p style="margin: 0pt;">
<p style="margin: 0pt;">This Defendant has entered into consent orders with the Attorney General&#8217;s office in Missouri relating to these money back selling tactics.</p>
<p style="margin: 0pt;">
<p style="margin: 0pt;">If you believe you have been damaged by CARHILL ENTERPRISES, INC. aka CONSUMER PROTECTION SERVICES of St. Louiscall us at 303-448-8884, we want to help you.  You may be entitled to three times the value of what you paid for the extended warranty plus attorneys fees.</p>
<p style="margin: 0pt;">
<p style="margin: 0pt;">Here is a link to a recent article in the Denver Post.</p>
<p style="margin: 0pt;">
<p style="margin: 0pt;"><a title="http://www.denverpost.com/mobile/ci_12442847" href="http://www.denverpost.com/mobile/ci_12442847">http://www.denverpost.com/mobile/ci_12442847</a></p>
<p style="margin: 0pt;">
<p>Here are good links on the scope of the issues with Carhill.</p>
<p><a href="http://stlouis.bizjournals.com/stlouis/stories/2009/05/04/daily43.html">http://stlouis.bizjournals.com/stlouis/stories/2009/05/04/daily43.html</a></p>
<p><a href="http://stlouis.bbb.org/article/10353">http://stlouis.bbb.org/article/10353</a></p>
<p><a href="http://www.buyingadvice.com/auto-extended-warranty.html">http://www.buyingadvice.com/auto-extended-warranty.html</a></p>
<p><a href="http://www.consumeraffairs.com/news04/2008/03/cr_warranties.html">http://www.consumeraffairs.com/news04/2008/03/cr_warranties.html</a></p>
<p>On another note, most of the states&#8217; Attorney General offices are going after car warranty scam artist businesses for violating the Do Not Call Registry. These companies use automated telephone dialers to call all the phone numbers in an area code without regard to whether or not someone is on the Do Not Call Registry. Your telephone Caller-Id will show a fake number, an illegal practice known as &#8220;spoofing.&#8221;  These calls are going to both home and cell phone numbers. And some of the people that are receiving the calls do not even own a car.</p>
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		</item>
		<item>
		<title>The Bush Complete Corporate Immunity and Impunity Program Stopped!</title>
		<link>http://www.lawcolorado.net/blog/recall/the-bush-complete-corporate-immunity-and-impunity-program-stopped/</link>
		<comments>http://www.lawcolorado.net/blog/recall/the-bush-complete-corporate-immunity-and-impunity-program-stopped/#comments</comments>
		<pubDate>Thu, 21 May 2009 16:27:54 +0000</pubDate>
		<dc:creator>bethklein</dc:creator>
		
		<category><![CDATA[Auto Accident Safety]]></category>

		<category><![CDATA[Consumer Recalls]]></category>

		<category><![CDATA[Unsafe Toys]]></category>

		<category><![CDATA[defective drugs]]></category>

		<category><![CDATA[defective products]]></category>

		<category><![CDATA[recall]]></category>

		<category><![CDATA[defective medical devices]]></category>

		<category><![CDATA[drug recalls]]></category>

		<category><![CDATA[preemption]]></category>

		<guid isPermaLink="false">http://www.lawcolorado.net/blog/?p=82</guid>
		<description><![CDATA[The Bush Administration pushed for Complete Immunity and Impunity for Corporations through the doctrine of pre-emption. Drugs that were known to kill unsuspecting consumers were distributed, and their manufacturers had no fear of accountability. Car manufacturers had no reason to improve upon the stale 1970&#8217;s safety technology that they insured was in place. The manufacturer [...]]]></description>
			<content:encoded><![CDATA[<p style="margin: 0in 0in 0pt; line-height: 13.5pt;"><span style="font-size: xx-small; color: #333333; font-family: Arial;"><span style="font-size: 9pt; color: #333333; font-family: Arial;">The Bush Administration pushed for Complete Immunity and Impunity for Corporations through the doctrine of pre-emption. Drugs that were known to kill unsuspecting consumers were distributed, and their manufacturers had no fear of accountability. Car manufacturers had no reason to improve upon the stale 1970&#8217;s safety technology that they insured was in place. The manufacturer of a defective heart devices rejoiced when the Bush pre-emption doctrine ended all litigation brought by people who were seriously injured by electric shocks that they recieved from their implants and those that died from the malfunctions. No more.</span></span></p>
<p style="margin: 0in 0in 0pt; line-height: 13.5pt;"> </p>
<p style="margin: 0in 0in 0pt; line-height: 13.5pt;">
<p style="margin: 0in 0in 0pt; line-height: 13.5pt;"><span style="font-size: xx-small; color: #333333; font-family: Arial;"><span style="font-size: 9pt; color: #333333; font-family: Arial;">The <a name="articles_custombriefings_(1)"></a><a title="http://links.mkt1100.com/ctt?kn=45&amp;m=4092422&amp;r=MzczNjk1MzQ4NwS2&amp;b=0&amp;j=MTIyMDQ3NjczS0&amp;mt=1&amp;rt=0" href="http://links.mkt1100.com/ctt?kn=45&amp;m=4092422&amp;r=MzczNjk1MzQ4NwS2&amp;b=0&amp;j=MTIyMDQ3NjczS0&amp;mt=1&amp;rt=0"><span style="color: #0e4d96;"><span style="color: #0e4d96;">AP</span></span></a>(5/21, Yost) reports, &#8220;The Obama White House on Wednesday undid a Bush administration policy that used federal regulations to undermine a wide range of state health, safety and environmental laws&#8221; many of which &#8220;limited the ability of injured consumers to sue companies in state courts.&#8221; This is the latest move by the Obama administration to undo pre-emption policy. Kenneth Baer, communications director at the White House Office of Management and Budget, said, &#8220;When it comes to pre-emption, we&#8217;re saying no more of their approach.&#8221; Now, &#8220;the Obama administration will ask agencies to go back and find Bush-era regulations that contain pre-emption language in the preambles or in the body of the regulations and that are not justified by law.&#8221; </span></span></p>
<p style="margin: 0in 0in 0pt; line-height: 13.5pt;">
<p style="margin: 0in 0in 0pt; line-height: 13.5pt;"><span style="font-size: xx-small; color: #333333; font-family: Arial;"></span></p>
<p style="margin: 0in 0in 0pt; line-height: 13.5pt;"><span style="font-size: xx-small; color: #333333; font-family: Arial;"><span style="font-size: 9pt; color: #333333; font-family: Arial;">The <a name="articles_custombriefings_(2)"></a><a title="http://links.mkt1100.com/ctt?kn=78&amp;m=4092422&amp;r=MzczNjk1MzQ4NwS2&amp;b=0&amp;j=MTIyMDQ3NjczS0&amp;mt=1&amp;rt=0" href="http://links.mkt1100.com/ctt?kn=78&amp;m=4092422&amp;r=MzczNjk1MzQ4NwS2&amp;b=0&amp;j=MTIyMDQ3NjczS0&amp;mt=1&amp;rt=0"><span style="color: #0e4d96;"><span style="color: #0e4d96;">Wall Street Journal</span></span></a>(5/21, Mundy, Kendall) reports, &#8220;The memo didn&#8217;t name specific industries but it could affect a wide range of consumer products subject to both federal and state regulation.&#8221; The Chamber of Commerce&#8217;s Bryan Quigley said, &#8220;Allowing for more lawsuits will not create more jobs, except maybe for plaintiffs&#8217; lawyers.&#8221; However, a statement by the American Association for Justice said, &#8220;The move will buttress &#8216;laws designed to give Americans basic rights to hold wrongdoers accountable.&#8217;&#8221; </span></span></p>
<p style="margin: 0in 0in 0pt; line-height: 13.5pt;">
<p style="margin: 0in 0in 0pt; line-height: 13.5pt;"><span style="font-size: xx-small; color: #333333; font-family: Arial;"></span></p>
<p style="margin: 0in 0in 0pt; line-height: 13.5pt;"><span style="font-size: xx-small; color: #333333; font-family: Arial;"><span style="font-size: 9pt; color: #333333; font-family: Arial;"><a title="http://links.mkt1100.com/ctt?kn=8&amp;m=4092422&amp;r=MzczNjk1MzQ4NwS2&amp;b=0&amp;j=MTIyMDQ3NjczS0&amp;mt=1&amp;rt=0" href="http://links.mkt1100.com/ctt?kn=8&amp;m=4092422&amp;r=MzczNjk1MzQ4NwS2&amp;b=0&amp;j=MTIyMDQ3NjczS0&amp;mt=1&amp;rt=0"><span style="color: #0e4d96;"><span style="color: #0e4d96;">BusinessWeek</span></span></a>(5/21, Francis) reports, &#8220;Lauded by the plaintiffs&#8217; bar and downplayed by some business groups, Obama&#8217;s decision reverses a highly charged Bush Administration practice and could help rewrite the legal landscape for everything from pharmaceuticals and beauty products to car safety equipment, mattress flammability, and food sweeteners.&#8221; </span></span></p>
<p style="margin: 0in 0in 0pt; line-height: 13.5pt;">
<p style="margin: 0in 0in 0pt; line-height: 13.5pt;"><span style="font-size: xx-small; color: #333333; font-family: Arial;"></span></p>
<p style="margin: 0in 0in 0pt; line-height: 13.5pt;"><span style="font-size: xx-small; color: #333333; font-family: Arial;"><span style="font-size: 9pt; color: #333333; font-family: Arial;">It;s long overdue that the rule of law rather than the rule of corporate political contributions prevail in the United States.</span></span></p>
]]></content:encoded>
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		</item>
		<item>
		<title>In F.D.A. Files, Claims of Rush to Approve Devices</title>
		<link>http://www.lawcolorado.net/blog/fda-recall/in-fda-files-claims-of-rush-to-approve-devices/</link>
		<comments>http://www.lawcolorado.net/blog/fda-recall/in-fda-files-claims-of-rush-to-approve-devices/#comments</comments>
		<pubDate>Tue, 13 Jan 2009 17:37:43 +0000</pubDate>
		<dc:creator>bethklein</dc:creator>
		
		<category><![CDATA[FDA]]></category>

		<category><![CDATA[defective drugs]]></category>

		<category><![CDATA[defective products]]></category>

		<category><![CDATA[fda recall]]></category>

		<guid isPermaLink="false">http://www.lawcolorado.net/blog/?p=80</guid>
		<description><![CDATA[
By GARDINER HARRIS
An official at the Food and Drug Administration overruled front-line agency scientists and approved the sale of an imaging device for breast cancer after receiving a phone call from a Connecticut congressman, according to internal agency documents.
The legislator’s call and its effect on what is supposed to be a science-based approval process is [...]]]></description>
			<content:encoded><![CDATA[<p><span style="font-size: x-small;"></span></p>
<p class="MsoNormal"><span style="color: #808080;"><span style="font-size: 10pt; color: #808080; font-family: Arial;">By <a title="http://topics.nytimes.com/top/reference/timestopics/people/h/gardiner_harris/index.html?inline=nyt-per blocked::http://topics.nytimes.com/top/reference/timestopics/people/h/gardiner_harris/index.html?inline=nyt-per More Articles by Gardiner Harris" href="http://topics.nytimes.com/top/reference/timestopics/people/h/gardiner_harris/index.html?inline=nyt-per">GARDINER HARRIS</a></span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">An official at the <a title="http://topics.nytimes.com/top/reference/timestopics/organizations/f/food_and_drug_administration/index.html?inline=nyt-org blocked::http://topics.nytimes.com/top/reference/timestopics/organizations/f/food_and_drug_administration/index.html?inline=nyt-org More articles about the U.S. Food And Drug Administration." href="http://topics.nytimes.com/top/reference/timestopics/organizations/f/food_and_drug_administration/index.html?inline=nyt-org"><span style="color: #000066;"><span title="http://topics.nytimes.com/top/reference/timestopics/organizations/f/food_and_drug_administration/index.html?inline=nyt-org blocked::http://topics.nytimes.com/top/reference/timestopics/organizations/f/food_and_drug_administration/index.html?inline=nyt-org"><span style="color: #000066;">Food and Drug Administration</span></span></span></a> overruled front-line agency scientists and approved the sale of an imaging device for <a title="http://health.nytimes.com/health/guides/disease/breast-cancer/overview.html?inline=nyt-classifier blocked::http://health.nytimes.com/health/guides/disease/breast-cancer/overview.html?inline=nyt-classifier In-depth reference and news articles about Breast cancer." href="http://health.nytimes.com/health/guides/disease/breast-cancer/overview.html?inline=nyt-classifier"><span style="color: #000066;"><span title="http://health.nytimes.com/health/guides/disease/breast-cancer/overview.html?inline=nyt-classifier blocked::http://health.nytimes.com/health/guides/disease/breast-cancer/overview.html?inline=nyt-classifier"><span style="color: #000066;">breast cancer</span></span></span></a> after receiving a phone call from a Connecticut congressman, according to internal agency documents.</span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">The legislator’s call and its effect on what is supposed to be a science-based approval process is only one of many of accusations in a trove of documents regarding disputes within the agency’s office of device evaluation. Nine agency scientists complained in May to Andrew C. von Eschenbach, the F.D.A. commissioner, and the agency began an internal review. Dissatisfied with the pace and results of that review, the scientists wrote a letter to Congress in October pleading for an investigation, and the House Committee on Energy and Commerce announced in November that it would begin one. Last week, the scientists wrote a similar letter to President-elect <a title="http://topics.nytimes.com/top/reference/timestopics/people/o/barack_obama/index.html?inline=nyt-per blocked::http://topics.nytimes.com/top/reference/timestopics/people/o/barack_obama/index.html?inline=nyt-per More articles about Barack Obama" href="http://topics.nytimes.com/top/reference/timestopics/people/o/barack_obama/index.html?inline=nyt-per"><span style="color: #000066;"><span title="http://topics.nytimes.com/top/reference/timestopics/people/o/barack_obama/index.html?inline=nyt-per blocked::http://topics.nytimes.com/top/reference/timestopics/people/o/barack_obama/index.html?inline=nyt-per"><span style="color: #000066;">Barack Obama</span></span></span></a>’s <a title="http://topics.nytimes.com/top/news/us/series/the_new_team/index.html?inline=nyt-classifier blocked::http://topics.nytimes.com/top/news/us/series/the_new_team/index.html?inline=nyt-classifier More articles about potential members of President-elect Barack Obama's administration." href="http://topics.nytimes.com/top/news/us/series/the_new_team/index.html?inline=nyt-classifier"><span style="color: #000066;"><span title="http://topics.nytimes.com/top/news/us/series/the_new_team/index.html?inline=nyt-classifier blocked::http://topics.nytimes.com/top/news/us/series/the_new_team/index.html?inline=nyt-classifier"><span style="color: #000066;">transition team</span></span></span></a>.</span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">Agency documents that are part of the internal investigation, including e-mail messages, were provided to The New York Times. Details of the investigations have not previously been made public.</span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">The documents show that front-line agency scientists, like many outside critics of the agency, believe that F.D.A. managers have become too lenient with the industry. In medical reviews and e-mail messages, the scientists criticize the process by which many medical devices gain approval without extensive testing. And in e-mail correspondence, they contend that an agency supervisor improperly forced them to alter reviews of the breast imaging device and others.</span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">William McConagha, the agency’s assistant commissioner for integrity and accountability, said he was continuing to investigate the scientists’ claims. Mr. McConagha said that Dr. von Eschenbach had offered to meet with the nine scientists before Friday, his last day in office.</span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">“We in the Office of Commissioner are extremely concerned about allegations like this,” Mr. McConagha said.</span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">In the documents, Representative <a title="http://topics.nytimes.com/top/reference/timestopics/people/s/christopher_shays/index.html?inline=nyt-per blocked::http://topics.nytimes.com/top/reference/timestopics/people/s/christopher_shays/index.html?inline=nyt-per More articles about Christopher H. Shays." href="http://topics.nytimes.com/top/reference/timestopics/people/s/christopher_shays/index.html?inline=nyt-per"><span style="color: #000066;"><span title="http://topics.nytimes.com/top/reference/timestopics/people/s/christopher_shays/index.html?inline=nyt-per blocked::http://topics.nytimes.com/top/reference/timestopics/people/s/christopher_shays/index.html?inline=nyt-per"><span style="color: #000066;">Christopher Shays</span></span></span></a>, a Connecticut Republican who lost re-election in November, is described as having called an agency supervisor a year ago to express concern about the fate of a computer device that is supposed to help radiologists detect breast <a title="http://health.nytimes.com/health/guides/disease/tumor/overview.html?inline=nyt-classifier blocked::http://health.nytimes.com/health/guides/disease/tumor/overview.html?inline=nyt-classifier In-depth reference and news articles about Tumor." href="http://health.nytimes.com/health/guides/disease/tumor/overview.html?inline=nyt-classifier"><span style="color: #000066;"><span title="http://health.nytimes.com/health/guides/disease/tumor/overview.html?inline=nyt-classifier blocked::http://health.nytimes.com/health/guides/disease/tumor/overview.html?inline=nyt-classifier"><span style="color: #000066;">tumors</span></span></span></a>. </span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">The device, the iCAD SecondLook Digital Computer-Aided Detection System for <a title="http://health.nytimes.com/health/guides/test/mammography/overview.html?inline=nyt-classifier blocked::http://health.nytimes.com/health/guides/test/mammography/overview.html?inline=nyt-classifier In-depth reference and news articles about Mammography." href="http://health.nytimes.com/health/guides/test/mammography/overview.html?inline=nyt-classifier"><span style="color: #000066;"><span title="http://health.nytimes.com/health/guides/test/mammography/overview.html?inline=nyt-classifier blocked::http://health.nytimes.com/health/guides/test/mammography/overview.html?inline=nyt-classifier"><span style="color: #000066;">Mammography</span></span></span></a>, is used with screening equipment made by Fujifilm Medical Systems. </span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">Fujifilm Medical is based in Stamford, Conn., the heart of Mr. Shays’s former district. In the documents, Mr. Shays is referred to as “Congressman Fuji.” </span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">“I am the Fuji congressman because I represented that district,” Mr. Shays said in an interview Friday. </span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">Mr. Shays said he had called the agency supervisor only to demand that the agency make a final decision, not that it approve the product. </span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">He scoffed at suggestions in the documents that his call led the supervisor to overrule scientists and approve the device. “That would be idiotic for someone to approve something they don’t think should be approved,” he said.</span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">A spokeswoman for Fujifilm Medical, Courtney A. Kraemer, said the company had called its “local Congressional offices to ask them to help us get clarification on the F.D.A. process.”</span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">The dissenting scientists protested, according to the internal documents, that “iCAD never tested the device by the intended users (i.e. radiologists) under the intended conditions of use. This is the most basic and fundamental requirement of all F.D.A. submissions.”</span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">An internal review said the risks of the iCAD device include missed cancers, “unnecessary <a title="http://health.nytimes.com/health/guides/test/biopsy/overview.html?inline=nyt-classifier blocked::http://health.nytimes.com/health/guides/test/biopsy/overview.html?inline=nyt-classifier In-depth reference and news articles about Biopsy." href="http://health.nytimes.com/health/guides/test/biopsy/overview.html?inline=nyt-classifier"><span style="color: #000066;"><span title="http://health.nytimes.com/health/guides/test/biopsy/overview.html?inline=nyt-classifier blocked::http://health.nytimes.com/health/guides/test/biopsy/overview.html?inline=nyt-classifier"><span style="color: #000066;">biopsy</span></span></span></a> or even surgery (by placing false positive marks) and unnecessary additional radiation.”</span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">Ken Ferry, iCAD’s chief executive, said, “We have done all the appropriate testing to get the product approved.” </span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">Mr. Ferry said that F.D.A. scientists were increasingly asking for more rigorous testing of devices, and that his company complied with those demands.</span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">Diana Zuckerman, president of the National Research Center for Women and Families, said the Bush administration had “finally made the device approval process so meaningless that it’s intolerable to the scientists who work there.” Ms. Zucker, a longtime critic of the agency’s device approval process, particularly as it relates to breast implants, added, “Virtually everything gets approved, no matter what.” </span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">The F.D.A. has a three-tiered approval process for medical devices that, depending on their newness or complexity, requires varying amounts of proof. </span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">A growing chorus of critics contends that the agency requires few devices to complete the most rigorous of these reviews and instead allows most devices to be cleared with minimal oversight. In 2007, 41 devices went through the most rigorous process, compared with 3,052 that had abbreviated reviews. </span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">According to internal documents, some scientists in the agency’s device division seem to agree with these critics. One extensive memorandum argued that F.D.A. managers had encouraged agency reviewers to use the abbreviated process even to approve devices that are so complex or novel that extensive clinical trials should be required.</span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">For instance, Shina Systems, an Israeli company, applied for approval for AngioCt, a device that combines CT images with X-rays to help guide cardiac surgeons during <a title="http://health.nytimes.com/health/guides/surgery/angioplasty/overview.html?inline=nyt-classifier blocked::http://health.nytimes.com/health/guides/surgery/angioplasty/overview.html?inline=nyt-classifier In-depth reference and news articles about Angioplasty." href="http://health.nytimes.com/health/guides/surgery/angioplasty/overview.html?inline=nyt-classifier"><span style="color: #000066;"><span title="http://health.nytimes.com/health/guides/surgery/angioplasty/overview.html?inline=nyt-classifier blocked::http://health.nytimes.com/health/guides/surgery/angioplasty/overview.html?inline=nyt-classifier"><span style="color: #000066;">angioplasty</span></span></span></a> and stenting procedures. The company sought an abbreviated review, according to the documents.</span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">An F.D.A. reviewer said the company should conduct a clinical trial to prove that the device works since it is novel and risky.</span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">“Should the images be misleading,” Dr. Brian Lewis, an agency cardiologist, wrote in a memorandum, “F.D.A. could expect immediate misguidance of catheters and possibly puncture of coronary vessels or overaggressive, inappropriate or inadequate <a title="http://health.nytimes.com/health/guides/surgery/stent/overview.html?inline=nyt-classifier blocked::http://health.nytimes.com/health/guides/surgery/stent/overview.html?inline=nyt-classifier In-depth reference and news articles about Stent." href="http://health.nytimes.com/health/guides/surgery/stent/overview.html?inline=nyt-classifier"><span style="color: #000066;"><span title="http://health.nytimes.com/health/guides/surgery/stent/overview.html?inline=nyt-classifier blocked::http://health.nytimes.com/health/guides/surgery/stent/overview.html?inline=nyt-classifier"><span style="color: #000066;">stent</span></span></span></a> or balloon use.”</span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">Nonetheless, an F.D.A. supervisor — after meeting with Shina representatives — pressed scientists to consider allowing an abbreviated review, according to the documents. The agency’s decision on the device is pending, according to the documents.</span></span></p>
<p class="MsoNormal" style="line-height: 17.4pt;"><span style="font-size: x-small; color: #333333; font-family: Arial;"><span style="font-size: 10pt; color: #333333; font-family: Arial;">Dr. John Smith, a lawyer for Shina, wrote in an e-mail message that he would not comment on “ongoing regulatory matters.”</span></span></p>
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		<title>Defective LASIK Machines in Colorado</title>
		<link>http://www.lawcolorado.net/blog/consumer-recalls/defective-lasik-machines-in-colorado/</link>
		<comments>http://www.lawcolorado.net/blog/consumer-recalls/defective-lasik-machines-in-colorado/#comments</comments>
		<pubDate>Mon, 12 Jan 2009 20:46:48 +0000</pubDate>
		<dc:creator>bethklein</dc:creator>
		
		<category><![CDATA[Consumer Recalls]]></category>

		<category><![CDATA[FDA]]></category>

		<category><![CDATA[LASIK failures]]></category>

		<category><![CDATA[Ladar 6000 Lasik Machine]]></category>

		<category><![CDATA[defective products]]></category>

		<category><![CDATA[lasik attorneys]]></category>

		<category><![CDATA[lasik lawsuits]]></category>

		<category><![CDATA[lasik lawyers]]></category>

		<guid isPermaLink="false">http://www.lawcolorado.net/blog/?p=79</guid>
		<description><![CDATA[Millions of people undergo LASIK surgery every year. When you decide to have LASIK the goal is to have better vision so that you no longer need to wear glasses or contact lenses. For most people, that is the result. For some people, the result is permanent vision problems. 
 
A machine known as the Ladar6000, [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="margin: 0pt;"><span style="font-size: small; font-family: Times New Roman;">Millions of people undergo LASIK surgery every year. When you decide to have LASIK the goal is to have better vision so that you no longer need to wear glasses or contact lenses. For most people, that is the result. For some people, the result is permanent vision problems. </span></p>
<p class="MsoNormal" style="margin: 0pt;"> </p>
<p class="MsoNormal" style="margin: 0pt;"><span style="font-size: small;"><span style="font-family: Times New Roman;">A machine known as the Ladar6000, manufactured by the Alcon conglomerate of corporations headquartered in Texas, has been causing vision problems to the patients who underwent LASIK surgery using the custom algorithm settings on the machine. When surgery is done with the custom settings, as opposed to the traditional settings, some patients end up with a condition called “central islands.” This occurs when the cornea is not smooth, but has a “bump” in the cornea, similar to an island sticking up in a smooth body of water; hence the name, central islands. The trouble is that when light enters the eyes, the central islands change the way the light is directed into the eye causing vision problems. Central islands cause a number of problems including <span style="letter-spacing: -0.15pt;">blurring, ghosting, double vision, sensitivity to light, poor night vision, or headaches. At this time, there is no known surgery to correct these problems and glasses and contact lenses have not been able to restore 20/20 eyesight. </span></span></span></p>
<p class="MsoNormal" style="margin: 0pt;"><span style="letter-spacing: -0.15pt;"><span style="font-size: small; font-family: Times New Roman;"> </span></span></p>
<p class="MsoNormal" style="margin: 0pt;"><span style="font-size: small;"><span style="font-family: Times New Roman;"><span style="letter-spacing: -0.15pt;">On </span><span style="letter-spacing: -0.15pt;">February 21, 2007</span><span style="letter-spacing: -0.15pt;">, Alcon participated in a voluntary recall to dismantle the custom algorithms on the Ladar6000 machines. Unfortunately, a number of people had surgery before the recall took place and have suffered the consequences. Many of these patients may think that their doctors did some wrong, but that does not appear to be the case. Anyone who is concerned that their failed LASIK procedure was performed with the Ladar6000 machine should contact the lawyers at Klein | Frank, P.C.<span style="mso-spacerun: yes;">  </span></span></span></span></p>
<p class="MsoNormal" style="margin: 0pt;"><span style="letter-spacing: -0.15pt;"><span style="font-size: small; font-family: Times New Roman;"> </span></span></p>
<p class="MsoNormal" style="margin: 0pt;"><span style="letter-spacing: -0.15pt;"><span style="font-size: small;"><span style="font-family: Times New Roman;">Any claim is time limited, and the statute of limitations will bar all claims.  Ladar6000 machines were used at a number of doctor&#8217;s offices in Colorado, and failed LASIK </span></span></span></p>
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		<title>Quality of Life Resources for Paraplegia, Quadriplegia, Spinal Cord Injury, Amputation, and Brain Injury</title>
		<link>http://www.lawcolorado.net/blog/uncategorized/quality-of-life-resources-for-paraplegia-quadriplegia-spinal-cord-injury-amputation-and-brain-injury/</link>
		<comments>http://www.lawcolorado.net/blog/uncategorized/quality-of-life-resources-for-paraplegia-quadriplegia-spinal-cord-injury-amputation-and-brain-injury/#comments</comments>
		<pubDate>Mon, 12 Jan 2009 20:36:12 +0000</pubDate>
		<dc:creator>bethklein</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[brain injury]]></category>

		<category><![CDATA[paraplegia]]></category>

		<category><![CDATA[quadriplegia]]></category>

		<category><![CDATA[spinal cord injury]]></category>

		<guid isPermaLink="false">http://www.lawcolorado.net/blog/?p=78</guid>
		<description><![CDATA[Paraplegia, quadriplegia, spinal cord injury, amputation, and brain injury no longer have to be absolute barriers to participation in sports activities. 

Children and adults who suffer paraplegia, quadriplegia, spinal cord injury, amputation and brain injury often experience loss of self-esteem and confidence; some are also afflicted by depression. Many children and adults feel excluded from [...]]]></description>
			<content:encoded><![CDATA[<p><span style="font-family: Times New Roman; font-size: small;">Paraplegia, quadriplegia, spinal cord injury, amputation, and brain injury no longer have to be absolute barriers to participation in sports activities.<span style="mso-spacerun: yes;"> </span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><span style="font-family: Times New Roman; font-size: small;">Children and adults who suffer paraplegia, quadriplegia, spinal cord injury, amputation and brain injury often experience loss of self-esteem and confidence; some are also afflicted by depression.<span style="mso-spacerun: yes;"> </span>Many children and adults feel excluded from family activities as a result of their physical limitations.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><span style="font-family: Times New Roman; font-size: small;"> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><span style="font-size: small;"><span style="font-family: Times New Roman;">Studies have shown that participation in sports can be used for rehabilitation purposes.<span style="mso-spacerun: yes;"> </span>Children and adults who participate in sports programs are able to regain their sense of accomplishment.<span style="mso-spacerun: yes;"> </span>Through sports programs, children and adults are able to reunite with friends and family.<span style="mso-spacerun: yes;"> </span>Children and adults share the bonds of camaraderie while engaged in activities with other differently-abled and able-bodied athletes.<span style="mso-spacerun: yes;"> </span>Sports and recreational activities allow children and adults to experience the exhilaration of competition as well as the lessons learned from defeat.<span style="mso-spacerun: yes;"> </span></span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><span style="font-family: Times New Roman; font-size: small;"> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><span style="font-family: Times New Roman; font-size: small;">With advancements in equipment and training of instructors, ability or adaptive programs are found in many cities across the country.<span style="mso-spacerun: yes;"> </span>Programs can be found through Disabled Sports USA.<span style="mso-spacerun: yes;"> </span>Colorado has several ability or adaptive programs including a chapter of the National Sports Center for the Disabled (</span><a href="http://www.nscd.org/"><span style="font-family: Times New Roman; font-size: small;">www.nscd.org</span></a><span style="font-size: small;"><span style="font-family: Times New Roman;">) located in Winter Park.<span style="mso-spacerun: yes;"> </span></span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><span style="font-family: Times New Roman; font-size: small;"> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><span style="font-family: Times New Roman; font-size: small;">The National Sports Center for the Disabled is one of the largest outdoor therapeutic recreation agencies in the world.<span style="mso-spacerun: yes;"> </span>Thousands of children and adults with disabilities including paraplegia, quadriplegia, spinal cord injury, amputees, and brain injured individuals can participate in such activities as skiing (single or tandem), ski racing, snowboarding, horseback riding, mountain biking (handcrank/handcycle or tandem), fishing, golfing, or rock climbing in order become educated about physical activities and learn more about themselves.<span style="mso-spacerun: yes;"> </span>Programs offered reach all levels of ability. </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;"><span style="font-family: Times New Roman; font-size: small;">People suffing from paraplegia, quadriplegia, spinal cord injury, amputation, and brain injury should have as much access to sports programs and social activities so that they can become and remain productive members of the community.  We are here to help those individuals access those resources.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: justify;">
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		<title>The FDA cannot ensure consumer food safety</title>
		<link>http://www.lawcolorado.net/blog/consumer-recalls/the-fda-cannot-ensure-consumer-food-safety/</link>
		<comments>http://www.lawcolorado.net/blog/consumer-recalls/the-fda-cannot-ensure-consumer-food-safety/#comments</comments>
		<pubDate>Wed, 07 Jan 2009 19:24:56 +0000</pubDate>
		<dc:creator>bethklein</dc:creator>
		
		<category><![CDATA[Consumer Recalls]]></category>

		<category><![CDATA[FDA]]></category>

		<category><![CDATA[defective products]]></category>

		<guid isPermaLink="false">http://www.lawcolorado.net/blog/?p=77</guid>
		<description><![CDATA[
 
Many people, especially those with food allergies, read the ingredients on the label to be sure that the food they are buying is safe. But what happens when the labels don’t tell the whole story? Sometimes, it’s a trip to the emergency room; but sometimes, it’s death. 
 
The Food and Drug Administration (FDA) is responsible [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="margin: 0pt;">
<p class="MsoNormal" style="margin: 0pt;"> </p>
<p><span style="font-size: small; font-family: Cambria;">Many people, especially those with food allergies, read the ingredients on the label to be sure that the food they are buying is safe. But what happens when the labels don’t tell the whole story? Sometimes, it’s a trip to the emergency room; but sometimes, it’s death. </span></p>
<p class="MsoNormal" style="margin: 0pt;"><span style="font-size: small; font-family: Cambria;"> </span></p>
<p class="MsoNormal" style="margin: 0pt;"><span style="font-size: small; font-family: Cambria;">The Food and Drug Administration (FDA) is responsible for overseeing the majority of food products sold to the public. But all too often, the FDA relies on the food manufacturers to police themselves. Truly, the “fox guarding the henhouse.” Unfortunately, the government and industry often fail to take the proper steps to test and label food until someone is hurt. And since many of the products are marketed to children, that means a child needs to get sick, or worse, before something is done. </span></p>
<p class="MsoNormal" style="margin: 0pt;"><span style="font-size: small; font-family: Cambria;"> </span></p>
<p class="MsoNormal" style="margin: 0pt;"><span style="font-size: small; font-family: Cambria;">A recent example is found with a young boy with a severe gluten allergy which prohibited him from eating foods made with wheat, rye or barley. His mother bought him Wellshire Kids’ Dinosaur Shapes Chicken Bites, which were labeled as “gluten-free.” Shortly after eating the chicken, the boy had a severe allergic reaction prompting his mother to give him a shot of a life saving drug and rushing him to the emergency room where he, fortunately, recovered. When this incident was brought to the attention of the manufacturer and the U.S. Department of Agriculture who oversees meat, poultry and eggs, neither would test the chicken bites and they remained for sale throughout the country with the incorrect label.<span style="mso-spacerun: yes;">  </span>When testing was done by a large newspaper, gluten was found two out of two times. Sometime later, after there was another complaint by a consumer and moves by the regulators to tighten the “gluten-free” requirements, the company agreed to stop production until it could find a supplier that could guaranty that the batter used did not contain gluten; a guaranty that was not given by the original supplier. </span></p>
<p class="MsoNormal" style="margin: 0pt;"><span style="font-size: small; font-family: Cambria;"> </span></p>
<p class="MsoNormal" style="margin: 0pt;"><span style="font-size: small; font-family: Cambria;">Other popular foods marketed to children, Oreos, Pop-Tarts, Frosted Flakes, Jello and SpaghettiOs have all been recalled in recent years due to hidden ingredients that are responsible for allergic reacions. Sometimes, recalls take months and the food remains in the grocery store with no warning to purchasers. A young girl with a milk allergy was rushed to the hospital after eating muffins. The manufacturer was told and said it tested the product but found no milk in the muffin mix. Some months later, after a second report of an allergic reaction, the company tested the product again and found the milk in an ingredient it overlooked the first time; chocolate chips.<span style="mso-spacerun: yes;">  </span>The recall took seven months before the product was pulled from the shelves. </span></p>
<p class="MsoNormal" style="margin: 0pt;"><span style="font-size: small; font-family: Cambria;"> </span></p>
<p class="MsoNormal" style="margin: 0pt;"><span style="font-size: small; font-family: Cambria;">Many companies do test their products and go to great lengths to be sure that the labels are accurate. But other companies do very little, or nothing at all, and the government does not require them to do testing.<span style="mso-spacerun: yes;">  </span>Further, the recalls, if they take place, are on a voluntary basis determined by the manufacturer, not the government. And the recall notices often downplay the seriousness of the problem because the FDA allows the manufacturer to write their own recalls. </span></p>
<p class="MsoNormal" style="margin: 0pt;"><span style="font-size: small; font-family: Cambria;"> </span></p>
<p class="MsoNormal" style="margin: 0pt;"><span style="font-size: small; font-family: Cambria;">Typically, the U.S. Department of Agriculture does not test for hidden allergens such as peanuts or eggs because those ingredients are not themselves prohibited foods. Similarly, the FDA does not do its own testing. This ignores the fact that foods containing<span style="mso-spacerun: yes;">  </span>hidden ingredients can be life threatening.</span></p>
<p class="MsoNormal" style="margin: 0pt;"><span style="font-size: small; font-family: Cambria;"> </span></p>
<p class="MsoNormal" style="margin: 0pt;"><span style="font-size: small;"><span style="font-family: Cambria;">Of course, shoppers should continue to read the label and be cautious about what they buy at the grocery store. But this is certainly one of those when what you don’t know, can hurt you. </span></span></p>
<p class="MsoNormal" style="margin: 0pt;"><span style="font-size: small; font-family: Cambria;"> </span></p>
<div style="mso-element: endnote-list;">
<span style="font-size: small; font-family: Cambria;"><br />
<hr size="1" /></span></p>
<div id="edn1" style="mso-element: endnote;">
<p class="MsoEndnoteText" style="margin: 0pt;"><a style="mso-endnote-id: edn1;" name="_edn1" href="http://www.lawcolorado.net/blog/wp-admin/#_ednref1"><span class="MsoEndnoteReference"><span style="mso-special-character: footnote;"><span class="MsoEndnoteReference"><span style="font-size: 12pt; font-family: Cambria; mso-fareast-font-family: Cambria; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA;">[i]</span></span></span></span></a><span style="font-size: small; font-family: Cambria;"> For the entire article on which this consumer alert is based, see The Denver Post, Sunday, November 23, 2008, page 6A, “Mislabeling imperils kids with allergies” by Sam Roe. </span></p>
</div>
</div>
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		<title>Defective Medical Device Decision in Medtronic MDL</title>
		<link>http://www.lawcolorado.net/blog/fda-recall/defective-medical-device-decision-in-medtronic-mdl/</link>
		<comments>http://www.lawcolorado.net/blog/fda-recall/defective-medical-device-decision-in-medtronic-mdl/#comments</comments>
		<pubDate>Wed, 07 Jan 2009 18:22:38 +0000</pubDate>
		<dc:creator>bethklein</dc:creator>
		
		<category><![CDATA[Consumer Recalls]]></category>

		<category><![CDATA[defective products]]></category>

		<category><![CDATA[fda recall]]></category>

		<guid isPermaLink="false">http://www.lawcolorado.net/blog/?p=74</guid>
		<description><![CDATA[On Monday, United States District Court Judge, Kyle entered an order dismissing all claims asserted in the Medtronic Sprint Fidelis Leads Mulitdistrict Litigation based upon the doctrine of preemption.   
 In re Medtronic, Inc. Sprint Fidelis Leads Products Liability Litigation, the court dismissed all 21 claims in the master complaint: (1) strict liability – failure to warn; (2) [...]]]></description>
			<content:encoded><![CDATA[<p>On Monday, United States District Court Judge, Kyle entered an order dismissing all claims asserted in the Medtronic Sprint Fidelis Leads Mulitdistrict Litigation based upon the doctrine of preemption.   </p>
<p> <span style="text-decoration: underline;">In re Medtronic, Inc. Sprint Fidelis Leads Products Liability Litigation</span>, the court dismissed all 21 claims in the master complaint: (1) strict liability – failure to warn; (2) strict liability – manufacturing defect; (3) negligence; (4) negligence per se; (5) breach of implied warranty; (6) breach of express warranty; (7) negligent misrepresentation; (8) intentional misrepresentation; (9) fraud; (10) constructive fraud; (11) violation of the Minnesota False Statements in Advertising Act; (12) violation of the Minnesota Deceptive Trade Practice Act; (13) violation of the Minnesota Prevention of Consumer Fraud Act; (14) violation of the Minnesota Senior Citizen and Handicapped Person Consumer Fraud Act; (15) negligent infliction of emotional distress; (16) loss of consortium; (17) wrongful death; (18) survival action; (19) medical monitoring; (20) unjust enrichment; and (21) Medicare Secondary Payer Act.</p>
<p>That means that the entire master complaint - the entire MDL - is dismissed with prejudice.  The court made the following significant rulings:</p>
<p>(1) The Class I FDA recall that the Medtronic leads underwent did not deprive the defendant of its preemption defense. <a href="http://druganddevicelaw.net/Opinions%20in%20blog/FidelisMotiontoDismissRuling.pdf"><span style="color: #6699cc;">Slip op.</span></a> at 14-17. A recall does not invalidate an in-force PMA, and in any event the recall could not affect the status of devices implanted before the recall occurred.</p>
<p>(2) Claims asserting manufacturing defects are preempted. <a href="http://druganddevicelaw.net/Opinions%20in%20blog/FidelisMotiontoDismissRuling.pdf"><span style="color: #6699cc;">Slip op.</span></a> at 18-22. These claims do not &#8220;parallel&#8221; FDA manufacturing requirements because manufacturers have to develop their own quality control systems under what are &#8220;flexible&#8221; regulations. The &#8220;level of fine detail&#8221; necessary to establish an actual violation does not exist. Plaintiffs&#8217; claims are would impose a level of detail &#8220;different from or in addition to&#8221; the FDA&#8217;s regulations. &#8220;Violation&#8221; is not a &#8220;magic word&#8221; that defeats preemption.</p>
<p> <br />
(3) Warning claims, including post-sale duty to warn allegations, are preempted. <a href="http://druganddevicelaw.net/Opinions%20in%20blog/FidelisMotiontoDismissRuling.pdf"><span style="color: #6699cc;">Slip op.</span></a> at 22-27. Preemption under the MDC is much broader than the Cigarette Act. Regulations that &#8220;permit&#8221; manufacturers to modify their warnings (the CBE regulations in the device context) do not save claims that would &#8220;require&#8221; such modifiications without being &#8220;different from or in addition to&#8221; those regulations. The conditions of the PMA itself did not impose any greater warning or reporting requirements than the FDA regulations themselves. Plaintiffs reporting-based allegations amount to a prohibited attempt at enforcing the FDCA - which is a form of implied preemption based upon 21 U.S.C. §337(a), providing for exclusive federal enforcement of the Act.<br />
(4) Design defect claims are preempted. <a href="http://druganddevicelaw.net/Opinions%20in%20blog/FidelisMotiontoDismissRuling.pdf"><span style="color: #6699cc;">Slip op.</span></a> at 27-29. The introduction of a new &#8220;safer&#8221; model does not create a duty requiring immediate withdrawal of prior versions, unless the FDA so requires. It did not, so there is no &#8220;parallel&#8221; federal requirement for the plaintiffs to hang their state-law claims on. &#8220;Adulteration&#8221; claims are either a restatement of preempted manufacturing defect claims or amount to prohibited private enforcement.</p>
<p>(5) Negligence per se claims are preempted for the same reasons that the manufacturing, warning and design claims are. <a href="http://druganddevicelaw.net/Opinions%20in%20blog/FidelisMotiontoDismissRuling.pdf"><span style="color: #6699cc;">Slip op.</span></a> at 30-31.</p>
<p>(6) Breach of warranty claims (express and implied) are preempted. <a href="http://druganddevicelaw.net/Opinions%20in%20blog/FidelisMotiontoDismissRuling.pdf"><span style="color: #6699cc;">Slip op.</span></a> at 31-33. Implied warranty merely tracks preempted manufacturing/warning/design claims. The 21 C.F.R. §808.1(d)(1) argument was rejected in <span style="text-decoration: underline;">Riegel</span>. An express warranty of &#8220;safety&#8221; would require a jury to find the devices unsafe, which is what <span style="text-decoration: underline;">Riegel</span> prohibits.</p>
<p>(7) Miscellaneous claims are preempted. <a href="http://druganddevicelaw.net/Opinions%20in%20blog/FidelisMotiontoDismissRuling.pdf"><span style="color: #6699cc;">Slip op.</span></a> at 33-34. Derivative claims (consortium, unjust enrichment, consumer fraud) fail for the same reason as the claims from which they derive.</p>
<p>The Court was clear that the Plaintiffs had been wronged, but under the law as it exists now, Plaintiffs have no remedy.  Our firm will particpate in working with Congress in order to ensure that individuals who are injured or killed due to defective medical devices will have a remedy.</p>
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		<title>FDA and A New Year’s Resolution That Might Not Be So Good For Your Health</title>
		<link>http://www.lawcolorado.net/blog/uncategorized/73/</link>
		<comments>http://www.lawcolorado.net/blog/uncategorized/73/#comments</comments>
		<pubDate>Wed, 24 Dec 2008 17:54:18 +0000</pubDate>
		<dc:creator>bethklein</dc:creator>
		
		<category><![CDATA[Consumer Recalls]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[defective drugs]]></category>

		<category><![CDATA[defective products]]></category>

		<category><![CDATA[fda recall]]></category>

		<category><![CDATA[recall]]></category>

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		<guid isPermaLink="false">http://www.lawcolorado.net/blog/?p=73</guid>
		<description><![CDATA[

By: Carrie R. Frank
 
 
The holidays are here, Thanksgiving, Christmas and Hanukkah, New Year’s celebrations. All times when food is in abundance and our waistlines are expanding. Many people put “weight loss” high on their list of New Year’s Resolutions but when the new treadmill starts to collect dust, people often look for a “quick fix” [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="margin: 0pt; text-align: center;" align="center">
<p class="MsoNormal" style="margin: 0pt; text-align: center;" align="center"><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: &quot;Times New Roman&quot;;"></span></span></p>
<p><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: &quot;Times New Roman&quot;;"><span style="font-size: small;">By: Carrie R. Frank</span></span></span></p>
<p class="MsoNormal" style="margin: 0pt; text-align: center;" align="center"><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: &quot;Times New Roman&quot;;"><span style="font-size: small;"> </span></span></span></p>
<p class="MsoNormal" style="margin: 0pt;"><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: &quot;Times New Roman&quot;;"><span style="font-size: small;"> </span></span></span></p>
<p class="MsoNormal" style="margin: 0pt; text-indent: 36pt;"><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: &quot;Times New Roman&quot;;"><span style="font-size: small;">The holidays are here, Thanksgiving, Christmas and Hanukkah, New Year’s celebrations. All times when food is in abundance and our waistlines are expanding. Many people put “weight loss” high on their list of New Year’s Resolutions but when the new treadmill starts to collect dust, people often look for a “quick fix” to shed the unwanted weight. But beware; the Food and Drug Administration (FDA) just issued a new warning about the dangers of some diet pills.</span></span></span></p>
<p class="MsoNormal" style="margin: 0pt; text-indent: 36pt;"><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: &quot;Times New Roman&quot;;"><span style="font-size: small;"> </span></span></span></p>
<p class="MsoNormal" style="margin: 0pt; text-indent: 36pt; mso-pagination: none; mso-layout-grid-align: none;"><span style="font-size: small;"><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: &quot;Times New Roman&quot;;">The FDA has compiled a list of 28 diet pills and weight loss supplements that should not be used because they contain ingredients that are not listed on the label and could be hazardous to your health. Many of these pills and supplements claim to be “natural” or “herbal” or are new versions of “ancient remedies;” all words that imply that they are safe. However, what is not included on the label is that some of these products contain a controlled substance that is not approved for sale in the </span></span><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: &quot;Times New Roman&quot;;">U.S.</span></span><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: &quot;Times New Roman&quot;;"> and a suspected cancer-causing agent. These products are often sold on-line and it appears that many come from </span></span><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: &quot;Times New Roman&quot;;">China</span></span><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: &quot;Times New Roman&quot;;">. The weight loss remedies include: Fatloss Slimming, 2 Day Diet, 3x Slimming Power, </span></span><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: Arial;">5x Imelda Perfect Slimming, 3 Day Diet Japan Lingzhi, 24 Hours Diet, 7 Diet Day/Night Formula, 7 Day Herbal Slim, 8 Factor Diet, 999 Fitness Essence, Extrim Plus, </span></span><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: Arial;">GMP</span></span><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: Arial;">, Imelda Perfect Slim, Lida DaiDaihua, Miaozi Slim Capsules, Perfect Slim, Perfect Slim 5x, Phyto Shape, ProSlim Plus, Royal Slimming Formula, Slim 3 in 1, Slim Express 360, Slimtech, Somotrin, Superslim, TripleSlim, Zhen de Shou, and Venom Hyperdrive 3.0.</span></span></span></p>
<p class="MsoNormal" style="margin: 0pt; text-indent: 36pt; mso-pagination: none; mso-layout-grid-align: none;"><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: Arial;"><span style="font-size: small;"> </span></span></span></p>
<p class="MsoNormal" style="margin: 0pt; text-indent: 36pt; mso-pagination: none; mso-layout-grid-align: none;"><span style="font-size: small;"><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: Arial;">Most of these diet pills and supplements contain sibutramine, which is an appetite suppressant and is related to amphetamines. In some people, sibutramine can cause strokes, heat attacks and heart palpitations. Sibutramine is one chemical ingredient in prescription drugs used to treat obesity, but the FDA found almost three times the recommended dosage in the above pills. Some of these pills also contain phenolphthalein, which has been used as a laxative but is being pulled from the </span></span><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: Arial;">U.S.</span></span><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: Arial;"> market because it is tied to increased risks of cancer. The labels do not list these ingredients, so consumers have no way of knowing what is in the pills or that the ingredients may get them a trip to the emergency room. </span></span></span></p>
<p class="MsoNormal" style="margin: 0pt; text-indent: 36pt; mso-pagination: none; mso-layout-grid-align: none;"><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: Arial;"><span style="font-size: small;"> </span></span></span></p>
<p class="MsoNormal" style="margin: 0pt; text-indent: 36pt; mso-pagination: none; mso-layout-grid-align: none;"><span style="mso-bookmark: OLE_LINK1;"><span style="font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: Arial;"><span style="font-size: small;">The FDA is trying to get the sales of these diet pills stopped and is considered other charges, including criminal charges, against some of the manufacturers. As one lawyer for the FDA said, “if it sounds too good to be true, it is likely to be too good to be true.” The only safe and effective way to lose weight is to put fewer calories in, and work more calories out, of your body.</span></span></span></p>
<p class="MsoNormal" style="margin: 0pt; text-indent: 36pt;"><span style="mso-bookmark: OLE_LINK1;"><span style="font-size: small; font-family: Cambria;"> </span></span></p>
<p> </p>
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		<title>Bailed Out Auto Manufacturers Should Upgrade 1970&#8217;s Safety Practices</title>
		<link>http://www.lawcolorado.net/blog/uncategorized/bailed-out-auto-manufacturers-should-upgrade-1970s-safety-practices/</link>
		<comments>http://www.lawcolorado.net/blog/uncategorized/bailed-out-auto-manufacturers-should-upgrade-1970s-safety-practices/#comments</comments>
		<pubDate>Wed, 26 Nov 2008 00:27:02 +0000</pubDate>
		<dc:creator>bethklein</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.lawcolorado.net/blog/?p=72</guid>
		<description><![CDATA[The big American automobile manufacturers are asking for a bailout from the government to help rescue them from a downturn in sales and significant financial losses. As we have seen lately, many corporations are seeking respite from bad decisions and the bad economic times that plague us all.  The decision to provide a bailout is [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="margin: 0pt; text-align: justify;"><span style="font-size: small; font-family: Times New Roman;"><span style="font-size: x-small;">The big American automobile manufacturers are asking for a bailout from the government to help rescue them from a downturn in sales and significant financial losses. As we have seen lately, many corporations are seeking respite from bad decisions and the bad economic times that plague us all.<span style="mso-spacerun: yes;">  </span>The decision to provide a bailout is a long, difficult and complicated one. But when a bailout of the auto manufacturers is made, let’s consider some conditions to help the individuals who have supported the auto companies for so long. </span></span></p>
<p class="MsoNormal" style="margin: 0pt; text-align: justify;"><span style="font-size: small; font-family: Times New Roman;"><span style="font-size: x-small;"> </span></span></p>
<p class="MsoNormal" style="margin: 0pt; text-align: justify;"><span style="font-size: small;"><span style="font-family: Times New Roman;"><span style="font-size: x-small;">In the early 1970’s, Federal Motor Vehicle Safety Standard 216 was established which provided the <em style="mso-bidi-font-style: normal;">minimum</em> guidelines for roof strength. FMVSS 216 provides that the roof of a passenger car had to withstand 1.5 times the vehicle’s weight or 5,000 pounds, which ever is less, under the test parameters established in the standard. For many cars, and most sport utility vehicles which are heavier than cars, this standard was woefully inadequate. And since it was only a <em style="mso-bidi-font-style: normal;">minimum</em> standard, the auto companies had no motivation to utilize their engineering talent to make a better product. Untold numbers of people have been killed and paralyzed when the roof crushes in on them during a rollover accident. For over thirty years, despite changes in technology, changes in vehicles, and changes in knowledge and awareness, the auto manufacturers have fought improvements in this standard. Finally, the move is underway to increase the roof crush standard, but even the new proposed standard (2.5 times the vehicle weight or 10,000 pounds) may not be enough to protect people in larger sport utility vehicles. Further, the proposed standard may contain a “preemption” clause which could prevent people who get injured from roof crush to pursue litigation since this is a federally approved standard, even though this is a only a minimum standard. Further, this new standard would likely be “phased in” so that the auto manufacturers would only need to have the new and improved roofs on some cars in each year until their entire line is improved. In the meantime, people will continue to get hurt. </span></span></span></p>
<p class="MsoNormal" style="margin: 0pt; text-align: justify;"><span style="font-size: small; font-family: Times New Roman;"><span style="font-size: x-small;"> </span></span></p>
<p class="MsoNormal" style="margin: 0pt; text-align: justify;"><span style="font-size: small;"><span style="font-family: Times New Roman;"><span style="font-size: x-small;">Tied in with the inadequate roof crash standard is the often unknown fact that there is no FMVSS guideline regarding rollover or stability. The auto manufactures may argue that the above roof crush standards, as well as other standards regarding occupant crash protection, apply to rollover crashes since the Federal Motor Vehicle Safety Standards provide the minimum guidelines for all occupant protection. But a stability standard should not wait until the vehicle rolls over to determine if it met the standards, such a standard would establish the guidelines to <em style="mso-bidi-font-style: normal;">prevent</em> a vehicle from rolling over in the first place. Sport utilities vehicles are designed to be higher off the ground. This design, coupled with a width that is often too narrow for the increased height, creates an SUV that rolls over in emergency avoidance maneuvers (such as swerving to avoid something in the road) when other cars of better design would simply slide out so that they could be safely brought to a stop. Historically, the auto manufacturers have argued that the SUVs must be designed high and narrow to allow for off-road use, all the while marketing these SUVs to soccer moms as the perfect, big, strong, safe, family car. Further, the technology is available to make SUVs safer. Electronic stability control (ESC) is a computerized program that applies different throttle or braking to each individual wheel to help regain control of a vehicle once the vehicle starts to go out of control but before it rolls over. It has proved to be very successful in preventing rollovers from occurring and everyone would agree that it is best to keep a car on its wheels. Yet, despite having the technology for ESC, manufacturers have resisted putting it in all its vehicles arguing that the cost is prohibitive. This is despite the fact that SUVs, one of the best sellers and money makers for the auto industry, would be made considerable safer with this technology.<span style="mso-spacerun: yes;">   </span></span></span></span></p>
<p class="MsoNormal" style="margin: 0pt; text-align: justify;"><span style="font-size: small; font-family: Times New Roman;"><span style="font-size: x-small;"> </span></span></p>
<p class="MsoNormal" style="margin: 0pt; text-align: justify;"><span style="font-size: small;"><span style="font-family: Times New Roman;"><span style="font-size: x-small;">The “buckle up for safety” campaign began in 1960’s when people began to understand the significant benefits that seatbelts provided in protecting occupants in a crash. No one would argue that seatbelts have come a long way since then and have improved greatly over the years. But could it have been better, faster? The answer is yes. As technology has advanced, seatbelts have also been redesigned. But auto manufacturers have resisted putting new designs in cars for years after they become available. As an example, the benefits of shoulder belts were known long before they were mandated in cars. And shoulder belts in the front seats were around for years before manufacturers began to put shoulder belts in the outboard rear seat positions even though the anchor points were available and people, especially children, might be spared devastating injuries from only having a lap belt. Then, even more years passed before the manufacturers would put shoulder belts in the center rear seat position. Another advance in seat belt technology is a pretensioner, which tightens a seat belt in the instant of a crash to prevent the seat belt webbing from spooling out, or loosening, which in turn helps hold the occupant snuggly to the seat. Pretensioners have been around since the 1980’s, but only in foreign cars such as Mercedes and Volvo. In the 1990’s, auto manufacturers began installing pretensioners in the front seat of their luxury cars but not until around 1998 and later did pretensioners become mainstream equipment in the average priced cars. So people in the less expensive SUVs that were rolling over did not reap the benefits of a pretensioner which was in the luxury sedan that was more stable.<br />
</span></span></span></p>
<p class="MsoNormal" style="margin: 0pt; text-align: justify;"><span style="font-size: small;"><span style="font-family: Times New Roman;"><span style="font-size: x-small;">And unbeknownst to the American consumer, some American manufacturers were installing pretensioners in cars they were selling overseas as those countries had more stringent standards than here in the U.S. </span></span></span></p>
<p class="MsoNormal" style="margin: 0pt; text-align: justify;"> </p>
<p class="MsoNormal" style="margin: 0pt; text-align: justify;"><span style="font-size: small; font-family: Times New Roman;"><span style="font-size: x-small;">While some people believe “you get what you pay for” why should existing safety technology only be available to those who can afford the newest and most expensive cars? <span style="mso-spacerun: yes;"> </span>Should socio-economic factors dictate a person’s likelihood to survive an “accident”?  Further, should we really encourage industry to pour millions into lobbying for obsolete technologies when we can all live safer and better?</span></span></p>
<p class="MsoNormal" style="margin: 0pt;"><span style="font-size: small; font-family: Times New Roman;"><span style="font-size: x-small;"> </span></span></p>
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		<title>What is wrong with the Colorado Insurance System?</title>
		<link>http://www.lawcolorado.net/blog/insurance-devaluation/what-is-wrong-with-the-colorado-insurance-system/</link>
		<comments>http://www.lawcolorado.net/blog/insurance-devaluation/what-is-wrong-with-the-colorado-insurance-system/#comments</comments>
		<pubDate>Wed, 12 Nov 2008 19:33:31 +0000</pubDate>
		<dc:creator>bethklein</dc:creator>
		
		<category><![CDATA[Auto accidents]]></category>

		<category><![CDATA[Insurance Devaluation]]></category>

		<guid isPermaLink="false">http://www.lawcolorado.net/blog/?p=70</guid>
		<description><![CDATA[Our colleague Rich Kaudy has written an excellent piece about the problems for consumers in Colorado with insurance issues.  We reprint it here because the information is so critical for consumers and policy makers.  Wake up Colorado citizens, and start protecting your rights rather than the rights and bank accounts of insurance companies:

By Richard M. [...]]]></description>
			<content:encoded><![CDATA[<p>Our colleague Rich Kaudy has written an excellent piece about the problems for consumers in Colorado with insurance issues.  We reprint it here because the information is so critical for consumers and policy makers.  Wake up Colorado citizens, and start protecting your rights rather than the rights and bank accounts of insurance companies:</p>
<div class="entry">
<p><em>By Richard M. Kaudy</em></p>
<p>In Arizona, if an insurance company agrees it owes you money from your policy, you get that money. <strong><em>Borland v. Safeco Insurance Company</em></strong>, 147 Ariz. 195, 709 P. 2nd 552 (1985).</p>
<p>Not in Colorado. Here, courts have not said insurance companies have to pay what they admit they owe. They can squeeze you as leverage to settle your claim for less than your policy limits.</p>
<p>In Nevada, an insurance company denying your claim can’t lay in the weeds to trap you. <strong><em>Powers v. USAA</em></strong>, 962 P. 2nd 596 ((1998), <strong><em>aff’d</em></strong>, 979 P. 2nd 1286 (1999). They have to tell you why they’re denying your claim.</p>
<p>Not so in Colorado. They can trap you and not let you know why your claim is being denied until you sue to find out why. The Courts approve this procedure, calling the relationship between the insurer and insured “adversarial” and declaring that <strong>all</strong> first-party claims in Colorado are to be adversarial struggles to get the benefits paid for by premium dollars.</p>
<p>In Kansas, if you hurt a family household member by mistake while driving a family car, your car insurance will pay benefits for past and future medical expenses up to your policy limits.</p>
<p>Not Colorado. Even if you paralyze your father, mother, brother or sister, your Colorado car insurance company doesn’t have to pay one dime to the paralyzed family member. That’s because Colorado has a “household” exclusion foisted on the Colorado public by the strong insurance lobby. They convinced Colorado that family members “collude” or defraud insurance companies with “bogus” claims of catastrophic injuries.</p>
<p>No data, study or analysis support this fear-mongering. The insurance lobbyists whisper that the same Colorado jurors who are called upon to judge the credibility of witnesses and decide the facts in other civil cases can’t be trusted to live up to the same oath when family members are involved.</p>
<p>Colorado jurors always have been able to punt false claims out of court. But the insurance lobbyists say that testimony by family members will cause jurors to forego reason and award gobs of money based purely on sympathy or bias.</p>
<p>There’s more. In Arizona, again, insurance companies cannot “low ball” you on your claim by making up a number for how much you should be paid. <strong><em>Zilisch v. State Farm Mutual Automobile Ins. Co.</em></strong>, 196 Ariz. 234, 995 P. 2nd 276 (2000).</p>
<p>But not so in Colorado. Uninsured motorist claims - where the person who hit you wasn’t responsible enough to carry mandatory liability coverage - are met with an adversarial bent. That’s how Colorado Courts have intrepreted insurance to work in Colorado. They write invisible terms into the insurance policy guaranteeing that any first-party claim becomes “adversarial.”</p>
<p>When you buy your policy, does the sales agent alert you that the policy is good until you submit a claim and then you are then treated as an enemy, or to use the polite term, as an “adversary?” Is this ever disclosed before you get the complimentary Road Atlas?</p>
<p>In Kentucky, an insurance company must play fair. The insurer has to engage in a fair debate before hiding behind its excuse that your claim is “fairly debatable.” <strong><em>Farmland Mutual Ins. Co. v. Johnson</em></strong>, 36 S.W. 3rd 368 (Kentucky 2000).</p>
<p>Not so in Colorado. Insurance companies can substitute the adjuster’s feeling about the insured’s pain and this can be considered “fairly debatable.” Reframing claims as “fairly debatable” enables insurance companies to incorporate slipshod claims handling behavior as part of their adversarial arsenal.</p>
<p>In Arizona, insurance companies are not allowed to deny claims based on an adjuster’s hunch or guesswork. <strong><em>Rawlings v. Apodaca</em></strong>, 726 P. 2nd 565 (Ariz. 1986).</p>
<p>How about Colorado? Who knows? No Colorado judge has yet condemned such practices or issued any opinions requiring insurance companies to base claims on objective, not subjective evidence.</p>
<p>Insurance companies require Colorado licenses to sell these promises. They are regulated by taxpayer-funded insurance commissioners. The mission of the Colorado Division of Insurance is claimed to be to protect the consumer. But do our Courts?</p>
<p>Federal and state courts coddle and protect insurance companies. On the one hand, the federal courts claim that insurance companies who chisel people out of their employee insurance {ERISA} benefits cannot be sued for bad faith no matter how vicious or malicious the misconduct. The Courts protect insurance companies from responsibility for the harms they cause by reasoning that the federal government has pre-empted states rights over this since the insurance companies are not regulated.</p>
<p>Let’s recount: the federal government says that insurance companies are not regulated even though the Division of Insurance regulates them and even though Colorado has adopted the Unfair Claim Practices Act designed to regulate insurance company claim-handling behavior.</p>
<p>According to federal government logic, because these insurance companies are not regulated, the federal government has to step in and regulate them and pre-empt any state remedy, like bad faith. The insured can get only the benefits that were owed in the first place and attorney fees.</p>
<p>Whatever emotional harm inflicted on the insured gets absolved, no remedy exists for the wrong.<br />
The schizophrenic reasoning for how Colorado can regulate insurance company behavior through its Division of Insurance and Unfair Claim Practices Act and yet not be considered to “regulate” insurance company practices for federal pre-emption practices can’t be reconciled except to coddle the insurance companies at the expense of premium-paying policyholders.</p>
<p>And this is how the federal court system wants insurance to operate.</p>
<p>Many states, like Colorado, regulate insurance through divisions of insurance.</p>
<p>In Oklahoma, for example, its insurance department exists “for the general benefit of not only the policyholders but of the general public.” <strong><em>Oklahoma Benefit Life Association v. Bird</em></strong>, 1943 OK 103, ¶12, 135 P. 2nd 994, 997.</p>
<p>Courts at one time admitted that the business of insurance is affected with the public interest.</p>
<p>In <strong><em>German Alliance Insurance Company v. Lewis</em></strong>, 233 U.S. 389, 408, 411, 34 S. Ct. 612, 617-18, 58 L. Ed. 1011 (1914), the Supreme Court adopted with approval the words of Lord Chief Justice Hale from his 17th century treatise entitled <em>De Portibus Maris</em> (1 Harq.Law Tracts 78), quoted earlier in <em><strong>Munn v. Illinois</strong></em>, 94 U.S. 113, 126, 24 L. Ed. 77, 84 (1876):</p>
<p>When private property is ‘affected with a public interest it ceases to be juris privati’ {of private right} only and becomes ‘clothed with a public interest when used in a manner to make it of public consequence, and affect, the community at large;’ and so using it, the owner ‘grants to the public an interest in that use, and must submit to be controlled by the public for the common good.’</p>
<p>But not in Colorado.</p>
<p>Because when you buy your Colorado policy, you’re really buying a fight, a struggle and an adversary.</p>
<p>Colorado’s justices and judges have now hammered home the insurance mantra: any time you seek your own benefits that you pay with your own premiums, the claim process is now considered to be adversarial. <strong><em>Brodeur v. American Home Assurance Co.</em></strong>, 169 P. 3rd 139 (Colo. 2007), <strong><em>Olson v. State Farm Mutual Automobile Insurance Co.</em></strong>, 174 P. 3rd 849 (Colo. App. 2007), and <strong><em>Bailey v. Allstate Ins. Co.</em></strong>, 844 P. 2nd 1336 (Colo. App. 1992).</p>
<p>If you get hurt on the job and wonder why your workers compensation insurance adjuster refuses to authorize care and you struggle to wonder why, this is how the Colorado courts want insurance to function.</p>
<p>You can always sue the insurance company. Then you endure months of waiting for your trial, after enduring “motions” filed by insurance company lawyers working to cloak in secrecy the very methods by which the insurance companies “adjust” these claims.</p>
<p>No insurance policy contains the terms “claims handler” or “claims adjuster” or “claims supervisor” or in the parlance of modern management “team leader.”</p>
<p>Yet Colorado judges embrace this practice called “disintermediation” where invisible barriers to benefits get erected through this “adversarial” process.</p>
<p>Even more, if you get hurt by somebody else, the insurance companies maintain absolute control over settling the case. But what if the insurance companies decide to low ball?</p>
<p>Nothing. Are they brought to justice? No.</p>
<p>Why? Because the courts neatly conceal from the jury the fact that it is the insurance company behind the entire process. So who gets sued? The policyholder gets sued, even though the policyholder can do absolutely nothing to settle the case. If the consumer tries to settle the case, the insurance company can pull coverage, claiming interference with the contract.</p>
<p>Insurance companies conduct business in Colorado practically in secret. When they hire outside management consultants, like McKinsey and Company, or Accenture, to devise plans to boost corporate profits, these business plans are not provided to state regulators. They are kept secret. When policyholders find out about them, then the insurance companies relinquish parts of them only if a “protective order” is entered guaranteeing that these profit-maximizing plans are concealed from the very public and policyholders they serve.</p>
<p>So what can a Colorado consumer do when the insurance company won’t pay? They can file suit and await the months of endless delays clever insurance lawyers contrive. Only rarely do courts sanction insurance companies or their lawyers for not following the rules of civil procedure.</p>
<p>The courts reason that these “first-party actions” are adversarial in nature. Anyone who wants what they paid now learns to their sadness that instead of being treated neighborly with friendly hands they are slugged as an enemy, as an adversary.</p>
<p>Is this how Colorado wants insurance to work?</p>
<p>If we want to live in a Colorado where you fight every single time you need insurance, then applaud the adversarial approach embraced by Colorado’s judges. If you want to live in a Colorado where insurance companies have to pay you what they owe and not squeeze you for leverage to pay less than your limits, then call someone who can change these values.</p>
<p>After all, didn’t you pay good money to transfer the risk of loss onto the insurance company? Why should the insurance company, aided by the Colorado Courts, be able to shift that risk back onto your shoulders?</p>
<p>In some states, such as Montana, insurance companies have to act fairly, in good faith, to everyone. Not in Colorado. Short of actual fraud, insurance companies in Colorado owe an injured person nothing. <strong><em>Schnacker v. State Farm Mutual Automobile Insurance Company</em></strong>, 843 P. 2nd 102 (Colo. App. 1992). And that’s what Colorado courts and legislators think is fair.</p>
<p>Because insurance companies bank a profit the moment they collect premiums, based on the law of large numbers, insurance companies have ample funds to pay for predicted losses up to the full policy limits. While individual losses cannot be predicted, collective losses can be predicted statistically through the laws of averages and of large numbers.</p>
<p>Insurance contracts are not ordinary run-of-the-mill agreements. They are almost considered contracts of adhesion where the consumer has no choice but to take it or leave it. <strong><em>Huizar v. Allstate Ins. Co.</em></strong>, 952 P. 2nd 342 (Colo. 1998). When do insurance consumers ever get to bargain over the fine print? The consumers’ only option is to buy the policy or vote with their feet by going somewhere else and face the same fine print.</p>
<p>Only in “third party” cases does the insurance company owe an obligation to protect the insured from financial loss and provide a quasi-fiduciary obligation to help the insured. This is like a banker holding your money but telling you it is not convenient for the banker to release your money to you until you jump through hoops the banker contrives. Who benefits from the delay and use of your money during this “float?”</p>
<p>So what’s the matter with Colorado? Who can afford uncollectible insurance? Who wants collectible insurance only after running the insurance adversarial gauntlet?</p>
<p>Colorado legislators and judges, that’s who. Their decisions favor the insurance companies and the lawyers, of course, since to fight an insurance company requires more lawyers and more lawsuits and more judges.</p>
<p>What’s the matter with this picture? Or just with Colorado?</p>
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