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Mark Leonard Karno

Mark Karno’s Answers

10 total

  • Is a car insurance company in IL required to pay for damages incurred by a hit-and-run driver?

    My car was parked on a street on January 8. My insurance company, Geico, said they didn't have pay for the damages. They said that according to Illinois' uninsured motorist law, they didn't have to cover the damage because I had no information (...

    Mark’s Answer

    You would need Comprehensive property damage coverage to cover your vehicle damage. Your uninsured motorist coverage only covers bodily injury claims unless you had paid for an uninsured property damage coverage which would be redundant to the Comprehensive coverage.

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  • Who is responsible for damages in this situation?

    Hello, I am currently living in China, but my permanent address is in Chicago. I have left my car in storage with a friend in Wisconsin for the past two years and he is slowly making payments to buy the car. Last week, his 18+ year old son stole...

    Mark’s Answer

    • Selected as best answer

    There are two issues. Are you responsible for the injured parties' injuries and damages and who will pay to fix your car. Since your friend's son was not a permissive user of the car then you are not legally responsible nor will your insurance cover the injured parties' claim. If you had collision and/or comprehensive coverage then your insurance carrier should probably pay to fix the car. If you let your insurance lapse then your friend will have to pay you for the damage to the car.

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  • Do i need to share my info after car accident?

    A week ago, i go into a car accident. I bumped the guy in front of me who happened to be my coworker and we stopped. We got out and checked for damages. There was none and we decided to go our seperate ways. We did not share any info, All he took ...

    Mark’s Answer

    Turn this matter over to your insurance carrier ASAP. You do not want to give them an excuse to deny coverage for late notice of the claim. I would also reach out to the police officer who called you and let him know that this was a minor contact and that you did not even think the other driver was going to make a report due to very minor nature of the contact, especially if you did not have any visible damage to your vehicle.

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  • Do I need a lawyer?

    i touched the back bumper of a police car with my front bumper because we are both totally stopped and the traffic light was red but because i get distracted by my navigator , my foot slightly came off the brake pedal and it moves slowly and touc...

    Mark’s Answer

    Pass the notices along to your insurance carrier who will hire a lawyer to represent you should you be sued. Your auto insurance policy will provide you with a defense and indemnify you from this claim up to the limits of your insurance policy. Just make sure that you give them timely notice of the claim and do nothing to jeopardize their defense of the claim so that you do not give them any policy defenses to deny coverage of the claim.

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  • Will I get nothing from my personal injury case?

    I have a claim against an insurance company for $50,000 give or take in medical bills, which were paid by BCBS, and maybe $30,000 for pain and suffering. Will I have to pay back Blue Cross if I settle for $80,000? If so, how much would the healt...

    Mark’s Answer

    In the usual scenario, BCBS normally pays "in network" medical providers a contract rate and not the full face value of a doctor or hospital bill. Sometimes they only pay as little as 30 percent of the face value of a bill. Under the terms of the BCBS insurance policy, there is usually a contractual right of reimbursement. (Although I have seen at least one Plan that did not have any reimbursement provision). This is known as the legal doctrine of Subrogation. This typically requires the repayment to BCBS of what was paid out by them to the medical providers. (Not the face amount of the bill from the medical provider). As a matter of practice, BCBS follows the "Fund Doctrine" and will credit a party who created the fund out of which they will get their reimbursement from with an amount equal to 1/3 of what they (BCBS) have paid out to medical providers. This is the amount that many attorneys charge pursuant to their contingent fee arrangement with their client. Thus, they are essentially paying for the attorney's services. You need to contact an attorney to review your Plan to make sure there is a right of subrogation in the Plan documents and to go over the BCBS print outs to make sure that the bills that they are claiming to have paid do in fact relate to your accident.

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  • When settling out of court from a small claims personal injury case, which parties need to sign the Release of All Claims?

    I am the individual paying the settlement. The way the release is currently drafted, only the undersigned and her lawyer is signing the release of all claims.

    Mark’s Answer

    The injured party bringing the claim should sign.

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  • I left nursing home, wanted my civil records and they refused me. now they want to charge me $400.00 to get my records.

    I have been discriminated by the nursing home. I did nothing wrong but stand up to them. please advise me what to do. this kind of discrimination is on my records and why should i live with there unjust.

    Mark’s Answer

    If you were a patient in a nursing home then they can charge you for your medical records based upon a flat fee plus a per page rate which is governed by statute in Illinois. If you have an injury claim for something that occurred in the nursing home then you should immediately consult with an attorney who represents clients in nursing home neglect cases. My law firm regularly handles these claims and I would be happy to direct you.

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  • Can someone cancel an insurance claim without you?

    My friend was a passenger in a car that his now ex-girlfriend was driving and there was an accident. She filed a claim for them both, they went to therapy for some time but now, they are no longer on speaking terms. She told him that he can no l...

    Mark’s Answer

    His recourse is to hire a lawyer to investigate whether the statute of limitations will permit him to pursue his independent claims. If the statue of limitations has not yet run and there is insurance with either the at fault driver or as an uninsured motorists claim then he still has his right to proceed with his claims.

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  • I was hurt in a gym around september 24th 2012. What is the deadline to file a claim against the gym/manufacturer of equipment

    I may have nerve tissue damage. The injury impairs the way I walk everyday. I'm going to see if I can get an MRI or something on my toe. What is the deadline to file a claim?

    Mark’s Answer

    The threshold question in gym injury cases is whether you signed a waiver of liability form when you entered the gym or started your membership there. The next question is whether you can prove that the equipment was defective. Not every gym injury is due to defective equipment. It could have been due to improper maintenance of the equipment which could be covered by the waiver of liability form that you probably signed.

    Regards, Mark L. Karno 33 North La Salle Street, Suite 2600, Chicago, Illinois. 60602. Telephone: (312) 701-0090. Fax: (312) 701-0600

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  • Iwas in car\Parking lot whenlarge electical pole hit the car Is the car insurance responsible for any of my medical bills?

    I s the car Insurance responsible for medical bills ? Ihave pursonal Injury liability

    Mark’s Answer

    If you have Medical Pyments coverage on your automobile insurance policy then you should get at least some of your medical bills covered. More importantly, you may have a claim against the property owner for failure to maintain their property. That claim may entitle you to seek damages for your medical bills, pain and suffering, loss of normal life, lost earnings and any disfigurement. Let me know if I can answer any more questions that you may have.

    Mark L. Karno
    Mark L. KARNO & Assoc.
    33 N. La Salle Street
    Suite 2600
    Chicago, Il 60602
    Tel: 312-701-0090
    Email: Mark.Karno@Karnolaw.com
    Website: www.karnolaw.com

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