Fireworks Injuries/Liability, Medical Debt/Credit Reports, Summer Vacations

Fireworks Injuries/Liability, Medical Debt/Credit Reports, Summer Vacations

July 2024 Newsletter

Rana Law Group Newsletter

In this issue:

  • Can You Recover Damages for a Fireworks Injury?
  • Medical Debt Could be Banned from Credit Reports
  • Just for Fun: Rana Law Group Summer Vacations

Can You Recover Damages for a Fireworks Injury?

Many of us look forward to celebrating the 4th of July Independence Day holiday by enjoying the day off, barbecuing and spending time with family.  Some of us may even attend a fireworks show or shoot off a few fireworks ourselves.  We get it – fireworks are fun.  Unfortunately, they are also extremely dangerous, sending hundreds of people to the emergency room every year from burns, loss/amputation of an appendage or limb, eye injuries and more.  The Division of Fire Safety has some great tips for safety when shooting off fireworks, such as only purchasing fireworks from licensed vendors, only lighting one firework at a time and not saving fireworks from season to season.  If observing a fireworks show, opt for seating further away and keep an eye on any embers that fall nearby, ensuring they do not start a fire or injury to a spectator.

But what happens if you or someone you know is injured as a result of fireworks?  It depends on the circumstances but, generally speaking, recovering damages for fireworks injuries can be tricky.  Fireworks are an attractive nuisance for children.  In laymen’s terms, this means they are a dangerous condition on a person’s property that may particularly attract children and pose a risk to their safety. Especially when children are involved, homeowners’ insurance policies tend to pay out because juries tend to be much more sympathetic to children getting hurt, even when engaged in an inherently dangerous activity. For adults, this can be an uphill battle because many juries will blame the person for their own actions and assess comparative negligence (meaning they are partly at-fault).

Where the injury occurred also matters.  If it is a professional fireworks display or at a venue (such as a casino or sporting event), injuries from negligence are typically recoverable under premises liability (basically, they created a dangerous condition and, through negligence, a person was injured).

If it is a private residence, possible negligent parties can include the homeowner, the purchaser of the fireworks or the person who stored the fireworks (especially if they were “saved” from season to season).

Besides negligence, products liability is another theory of liability an injured person can pursue.  A firework can be defective for any number of reasons, including use of improper ingredients (too little or too much, typically when a manufacturer wants to produce as much of the product as possible), use of illegal ingredients, firing in the wrong direction, getting overcharged, detonating prematurely or being sold without warnings that are clear and legible.  While there are typically deeper pockets if you can find a responsible party, the issue can be finding the actual responsible party, some of which could be overseas and tougher to obtain jurisdiction over.

We hope everyone has a fun and safe 4th of July!

New Rule Could Ban Medical Debt from Credit Reports

Recently, the Consumer Financial Protection Bureau (CFPB) proposed a new rule that would keep medical debt from showing up on credit reports.  This would go further than the laws enacted in 2022 (discussed in our June 2022 newsletter) which removed the following from credit scores: paid debt, unpaid debt less than a year old or less than $500.  The proposal must go through a public comment period but we are hopeful it will become law in 2025.  If medical debt is not reported to consumer credit bureaus, individuals will have an easier time qualifying for car loans, mortgages, rental approvals and possibly receive lower interest rates on debt.  The proposal will also prevent companies from repossessing medical equipment and devices for unpaid debts.We are excited about the possibility of this rule going into effect and helping so many people.  While it does not solve the problem of American families actually incurring shockingly large medical bills and crushing debt for circumstances largely outside of their control (such as personal injuries from car accidents, slip and falls or injuries from other people’s negligence), it at least mitigates some of the harm they inflict.

If you or anyone close to you is being sued for unpaid debts, please review our post from the December 2022 Newsletter and contact us for a referral to an attorney we trust so you can put your mind at ease.

Just for Fun: Where are We Going for Vacation?

Here is what the folks at Rana Law Group are doing for their summer vacations:Tarun will be visiting Colorado for the first time on a trip to see his sister-in-law’s new house, located high up in ski country (he still insists he will take a beach vacation over snow but he has been assured Colorado is “nice” in the summer).  He is excited to do some hiking and visit a hot spring!

Brittany has seen the Rockies before but plans to do a white water rafting trip for the first time this year.

Paul is going with his wife and youngest son to see the Conor McGregor fight in Las Vegas at UFC 303.  They are huge fight fans and this is the biggest fight in the last few years.  It is also International Fight Week so they will get to meet and take photographs with lots of other fighters.

Christine is also visiting family for her summer vacation in Madison, Wisconsin.  Her brother will be welcoming a new baby soon and Christine will be helping with the other children.  She expects her trip will be less relaxing than the others but is happy to spend time with the whole family.

We saved the best for last!

Sarah just returned from the trip of a lifetime to Hawaii!  The entire family had an amazing time snorkeling with turtles, hiking up mountains, visiting the location where they filmed Jurassic Park and seeing Pearl Harbor!  See her amazing pictures below:

Case Referrals  

From time to time, clients call and ask which type of cases we handle.  Our practice is built on referrals from satisfied clients.  We know that if we work hard and do a good job for our clients, they will tell their friends about us.  The best compliment from a former client is that client entrusting us with the potential case of their friend or family.  Our office specializes in the following cases:

  1. Personal Injury (auto collisions, trucking, motorcycle, slip and fall, dog bites)
  2. Work Injuries
  3. Traffic tickets and DUI/DWI

If you know someone that meets these criteria, please have them call our office.  If someone does not quite fit the above criteria, please still have the prospective referral give us a call as we can usually help the person find the right attorney via a referral.

Share the Love – Reviews

Thank you very much to everyone who already left a review, we appreciate it!  If you have not left one and have some kind words, we would appreciate the time.
  1. For Google: simply click on the link.
  2. For Facebook: please “Like” and “Follow” the page and then click on “Reviews” on the left-hand side
  3. For Avvo: click on “reviews” and then “Review Tarun Rana”

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