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Car accident? Let the frustration begin! I know this because I was in one last
week, and I did not know what to do or how to react.
I was a claim adjuster for several years before I went to law school, and even tough I handled hundreds of insurance claims alike, I never could comprehend how confusing a car accident really is.
Last week, I was sitting at a light when suddenly there was a "bum" and then another "bum". My seat broke and I was laying flat. I got up and I could not find my hazard lights, and I could not remember where I was going. Everything was simply a daze.
I just look at my car and realized there was no way I could drive home.
When the insurance adjuster called me and I told him what you just read, I could feel the frustration of the adjuster. The adjuster's questions in the recorded statement were very detailed. I must have sounded like the biggest idiot.
Mr. Quiroga, what is the name and badge number of the police officer that responded to the car accident scene?
uh? I was there and then and I was hit and I could not find my hazard lights and my seat was broken. That was my answer!
Ok, you get my point. A car accident happens and we just do not know what to do.
I did not know and I had been dealing with every possible car accident you could imagine.
Here are the 10 most valuable tips I came up with:
- Get out of the vehicle only if you believe you are ok and/or if there is smoke.
- Make sure that others are ok. Ask the other driver.
- Be careful with what you say. Many adjusters will change your words to make it sound like you were apologizing for the accident because you were at fault. So a simple question like: is every one ok in your vehicle? will do the work.
- Call the police. You need to call the police to the accident scene. Do not trust others. In many accidents people will tell you that they call and never did.
- Exchange insurance information with the other driver.
- Do not move the vehicle even if you are blocking traffic. Let the police take a look at the scene and let them determine when to move the vehicle.
- If it is possible, CALL the other person's insurance carrier and determine if there is an active policy in force that would cover your car accident. If not, tell the police officer.
- Do not argue. Just listen and go sit down in your car if the other person is being anxious.
- Whenever you have the chance, report the accident to your insurance company. Most insurance agents will tell you that if the accident is minor to deal directly with the other party so your rates do not go up. In my opinion, this can backfire on you. If the other party starts claiming an injury (even if it is frivolous) and you failed to report the loss, Insurance companies can decline coverage because you breached your duty to report as outlined in most insurance polices. By reporting the car accident to your carrier, you are putting in notice of the loss. You can tell them that you will negotiate with the other party but if things get ugly, you will contact them.
- If the accident was of substance. Go see a doctor. When you are in a car accident, the adrenaline rush is great and it will hide any pain or injury. It is better to detect any injury or complication early on.
Drive safe and hope that others will!
All the best,
Hector Quiroga
© Copyright www.auto-insurance-claim-advice.com All Rights Reserved.
Hector Quiroga has a high interest in helping consumers gain knowledge of the auto insurance claim process for both property damage and bodily injury claims.
On http://www.auto-insurance-claim-advice.com/Claim-Investigation.html he covers in great detail what a car accident investigation entails and share many helpful tips for dealing with insurance companies and adjusters.
Another So.cal Police Officer Sentenced in the Wake of Rampart Corruption Scandal
By Michael Webster: Investigative Reporter May 7, 2008 12:00 PM PDT
U.S. Justice Department reports that former Long Beach police officer Joseph Ferguson was sentenced in federal court in Los Angeles, Calif., for his role in a series of home invasion robberies over a two-year period which were connected to the LAPD in the wake of the 1999 Rampart corruption scandal. Ferguson was sentenced to 97 months in prison and four years of supervised release.
On Jan. 30, 2008, a Los Angeles jury convicted the defendant of conspiring to violate civil rights, conspiring to possess narcotics with intent to distribute, and possession of narcotics with intent to distribute. The defendant’s brother and co-defendant, former Los Angeles police officer William Ferguson, was also convicted of deprivation of rights under color of law and several firearms offenses and is scheduled to be sentenced on May 19, 2008.
As previously reported by this reporter the evidence at trial showed that the defendant and his co-defendants were members of a wide-ranging criminal conspiracy, led by former Los Angeles police officer Ruben Palomares and including other law enforcement officers and drug dealers. Together, they committed more than 40 burglaries and robberies throughout the Los Angeles area between early 1999 and June of 2001. The robberies generally were committed after the group received information that a particular location was involved in illegal drug-trafficking. The robbery teams usually consisted of multiple sworn police officers in uniform or displaying a official police badge, who would gain access to the residence by falsely telling any occupants that they were police officers and that they were conducting a legitimate search for drugs or drug dealers. Victims often were violently restrained, threatened or assaulted during the search. These brutal assaults included firing point blank stun gun at a victim, striking victims with police batons and putting a gun in the mouth of victims. After these on and off duty police officers stole the drugs, they would use co-conspirators to sell the drugs and they would split the profits among the group.
In all, 17 defendants, including law enforcement officers from the Los Angeles Police Department, the Long Beach Police Department, the Los Angeles County Sheriff’s Department, and the California Department of Corrections have been convicted or have previously pleaded guilty to federal crimes in connection with the conspiracies.
“This former police officer violated his oath as a public servant when he, along with his co-defendants, began engaging in violent criminal conduct,” said Grace Chung Becker, Acting Assistant Attorney General for the Civil Rights Division. “While the vast majority of law enforcement officers carry out their difficult duties in a professional manner, the Department of Justice will not hesitate to prosecute those who cross that line.”
During the course of the conspiracy, Palomares provided associates with official LAPD badges, uniforms, radios, firearms and other equipment. Some of the robberies were committed after the thieves drove to the location in official LAPD police black and white squad cars. The robbers used the LAPD equipment to make victims believe they were the subject of legitimate law enforcement operations and to minimize the defendants’ risk of being questioned if confronted by law enforcement officers.
The indictment alleged a series of incidents in which the robbery crew broke into houses and commercial establishments with the goal of obtaining narcotics, cash, guns and other valuables. Palomares was involved in all of the incidents, with the Fergusons and Loaiza participating in many of them. In one burglary, members of the gang allegedly stole 600 pounds of marijuana. In another incident, several co-conspirators allegedly stole television sets from an 18-wheel truck in Montebello. And, in another robbery outside a Fontana market, Palomares and another man dressed as a police officers robbed a man of $45,000 worth of pseudoephedrine pills, which are the key precursor chemical in the manufacture of methamphetamine.
The other three defendants named in the indictment are fugitives at this time. They are:
- Michelle Barajas, 38, of Paramount;
- Armando Contreras-Lopez, 35, of Paramount; and
- Oscar Loaiza, 35, of Montebello, who is a cousin of Palomares.
These three defendants are accused, along with the three law enforcement defendants, of conspiring to violate civil rights and conspiring to possess both marijuana and cocaine with the intent to distribute the narcotics.
"The depth of corruption and audacity among these law enforcement officers is nothing less than stunning," said United States Attorney Debra Wong Yang. "While having a badge imparts some degree of power to an officer of the law, it also imparts a great deal of responsibility. In addition to rejecting their responsibilities to the law, these officers rejected their sacred responsibilities to their communities and their departments."
“These defendants, who were sworn to serve and protect the people of Los Angeles, went from enforcing the law to breaking the law,” said Grace Chung Becker, Acting Assistant Attorney General for the Civil Rights Division. “While the vast majority of law enforcement officers carry out their difficult duties in a professional manner, the Department of Justice will not hesitate to prosecute those who cross that line.”
“This case exposed a dark world of corrupt law enforcement officers who defiled their badges and compromised the good work of their colleagues,” said U.S. Attorney Thomas P. O'Brien. “The home invasion robberies committed by these former officers shocks the conscience and will lead to lengthy prison sentences that they so richly deserve.”
"The reality is, no police department is immune from bad cops," stated Los Angeles Police Chief William J. Bratton. "I have no tolerance for intentional misconduct and will deal with it forcefully and aggressively. Supervision, safeguards and civilian oversight are used to monitor employees and ensure quality police service. No good cop wants to work with a bad cop. No good cop wants a bad cop in their Department. Today's announcement proves we are committed to getting rid of those who would tarnish the LAPD badge."
Long Beach Police Chief Anthony Batts stated: "When a police officer violates the laws that he has sworn to uphold, it erodes the public trust that we in law enforcement work so hard to build. The men and women of the Long Beach Police Department take great pride in their work and are fully committed to the safety of our community. Reckless actions by individuals that undermine the integrity of this department and damage the public trust will not be tolerated."
An indictment contains allegations that a defendant has committed a crime. Every defendant is presumed innocent until and unless proven guilty in court.
- Ruben Palomares, 36 of Diamond Bar, who was arrested on federal narcotics charges in 2001 and was terminated by the LAPD in 2003;
- Gabriel Loaiza, 30, of Montebello, who received law enforcement training and unsuccessfully applied to be a non-sworn employee of the Long Beach Police Department in 2000, was arrested with Palomares in 2001;
- Jesse Moya, 29, of Whittier, who was a Los Angeles Police Officer until late 2004;
- Manuel Hernandez, 25, of Pico Rivera, who is a cousin of Palomares;
- Alvin Moon, 30, of San Gabriel, who also received law enforcement training and unsuccessfully applied to the Los Angeles Police Department, was arrested along with Palomares and Gabriel Loaiza in 2001;
- Manny Martinez-Godinez, 25;
- Jessica Treat, 31, of Whittier;
- Steve Quintero, 30, of Montebello, a custodial police officer with the Garden Grove Police Department;
- Geronimo Sevilla, 32, of Whittier, who met Palomares while he was a LAPD explorer scout and who unsuccessfully applied to the department in 2000;
- Jesus Estrada Dominguez, 40;
- Pablo Estrada, 29, of La Puente, a friend of Gabriel Loaiza;
- Juan Pablo Mendoza, 29, of Muscoy, who is a cousin of Palomares; and
- David Barajas, 32, of Paramount, a longtime friend of Palomares who is currently in custody on unrelated narcotics charges.
“The FBI counts public corruption as its top criminal program priority, and this case illustrates that commitment. Investigators and detectives tirelessly pursued a small number of law enforcement officers who, in betrayal of their sworn duty to serve the public, used their badges and guns as instruments of terror and personal gain,” said Salvador Hernandez, Assistant Director in Charge of the FBI in Los Angeles. “The FBI, along with its law enforcement partners, will continue to root out the small percentage of sworn personnel that act outside the law.”
This case was investigated by Special Agent Phil Carson of the Federal Bureau of Investigation, with the assistance of Steve Sambar, Roger Mora and Mark Bigel of the Los Angeles and Long Beach Police Departments. This case was prosecuted by Assistant U.S. Attorney Douglas M. Miller of Los Angeles and Department of Justice Trial Attorneys Jeffrey S. Blumberg and Joshua D. Mahan.
The Civil Rights Division is committed to the vigorous enforcement of the federal criminal civil rights statutes, such as laws that prohibit willful acts of misconduct by law enforcement officials. In Fiscal Year 2007, the Criminal Section convicted the highest number of defendants in its history, surpassing the record previously set in Fiscal Year 2006.
The Department of Justice has compiled a significant record on criminal civil rights law enforcement misconduct prosecutions in the last seven years. During the last seven years, the Criminal Section obtained convictions of 53 percent more defendants (391 v. 256) in color of law cases than the previous seven years.
Related article: Los Angeles, Long Beach And Other Police Officers Found Guilty Of Home Invasion Robberies & Trafficking In Drugs
PBS - frontline: l.a.p.d. blues: the scandal: rampart scandal timeline Rampart Scandal - Wikipedia, the free encyclopedia
SOURCE
U.S. Department of Justice
L.A. P.D
L.B.P.D
L.A. Times
Laguna Journal
About the Author
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How do I polish my police badge?
Stupid question I know, but is there a certain way to shine up my police badge? It is silver with a gold-colored front. It has got pretty nasty over time and I would like to shine it up a bit.
Thanks in advance 
Why do I want it shiny? I prefer to look nice when I'm 10-8
I've always used the sanitation wipes at my office, being female I get hairspray on it and what not. its cheezy, but it works great!
Nutley: Police blotter, May 17
Nutley police blotter items through May 17
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