Personal Injury

What You Should Definitely Know About Personal Injury Protection Car Insurance

What You Should Definitely Know About Personal Injury Protection Car Insurance

line footer


Motor vehicle accidents have remained a leading cause of death in the US. One might believe that lack of travel during pandemic (in 2020) would have reduced the number of deaths, but surprisingly that hasn’t been the case. Compared with 36,096 accident deaths reported in 2019, the total number of fatalities rose to 38,680 in 2020.

On average, about six million car accidents are reported every year. With these alarming numbers, now is the best time to review your Personal Injury Protection (PIP) car insurance, and maximize your coverage and protection against such mishaps.

Coverage Offered by Personal Injury Protection Insurance

Personal injury protection insurance is also called no-fault insurance. Regardless of who is at fault, this insurance covers the lost salaries, bills, and even funeral costs after a car accident.

The most significant advantage of PIP is that it ensures quick payments. You don’t have to wait to file a lawsuit and bide your time until there is a judgment. PIP is a blessing during those testing times when you need money fast.

An Overview of the Scope of PIP Coverage

  • Medical expense and health insurance deductibles coverage: Even if the driver and passenger don’t have health insurance, PIP covers the medical expense. If you have health insurance, you can use PIP to cover the deductibles (not covered by health insurance) that you would otherwise have to pay out-of-pocket.
  • Coverage of work lost: An injured person cannot go to work straight away. An inability to earn can be a lingering problem that can affect you long after a car crash. But if you have PIP, you don’t have to worry as it compensates for the work loss. In addition, PIP also benefits self-employed people as it covers the cost of hiring temporary workers.
  • Coverage of death and funeral costs:Death is a reality, and it is often too real during car accidents. PIP covers the income lost and even funeral costs. The dependents are already struggling to make sense of the loss. So, any help via timely compensation can be beneficial.
  • Coverage of rehabilitation costs: For those who are injured or handicapped, life can be a struggle even well after the accident. PIP ensures the full coverage of rehabilitation costs till the person gets back on his feet.

Variation in State Laws with Regards to PIP

PIP is essential for your protection and coverage, but it can be a tricky proposition due to the variation in state laws. You need PIP in some states as part of the no-fault car insurance, e.g., Massachusetts, Michigan, and Florida. As the payment won’t come from the insurance of the person causing the accident, PIP becomes crucial.

There are other states where PIP is optional, e.g., Arkansas and Connecticut. But if you have PIP, it becomes that much easier to cover those charges that are not covered by the health insurance.

Take Help from Experts to Clarify Doubts about PIP

If you are going thaThere can be a lot of questions in your mind while opting for PIP. So, when you are in doubt, you should take suggestions from experts.

Having accurate knowledge is crucial if you want to stay on the safer side. Legal experts who know the ins and outs of car accident laws can answer your every query. They can provide you specific guidance depending on your financial standing, state laws and also help you find alternatives to PIP.

If something untoward happens, the specialists will advise you on filing the claim and even sue the guilty party if needed.

At Boesen Law, we cover every base when it comes to car accidents and PIP car insurance. So, get in touch and get the correct information on Personal Injury Protection right away! 

Share This Post

Share on facebook
Share on twitter
Share on linkedin
Mesothelioma & Pharmaceuticals

Popular Diabetes Medication: Metformin, Recalled Due to Carcinogenic Ingredient

Popular Diabetes Medication: Metformin, Recalled Due to Carcinogenic Ingredient

line footer


Popular Diabetes Medication: Metformin, Recalled Due to Carcinogenic Ingredient

Boesen Law is always watching for recalls in medications. It is important to us to inform the general public about any changes in prescriptions. This week, we are researching the popular Diabetes medication: Metformin and the cancer-causing impurity: NDMA.

What is Metformin? 


Metformin ER (Extended Release) is a popular Diabetes medication that is currently in the process of being recalled due to higher than FDA acceptable levels of NDMA, a cancer-causing impurity. 


What did the FDA have to say? 


According to the FDA website, a statement made in December 2019, by Janet Woodcock, M.D., who is the director of the FDA’s Center for Drug Evaluation and Research, was documented. In the statement, Dr. Woodcock reported “.. impurities found in (the) Diabetes drug outside of the U.S.”. In regards to Dr. Woodcock’s statement, she also reported that the FDA was investigating the “.. presence of genotoxic impurities, called nitrosamines, in some types of drugs.” In the investigation, that lasted for over a year and a half, it was found that some drugs were found to contain small amounts of those nitrosamines like N-Nitrosodimethylamine (or NDMA, the carcinogenic substance found in Metformin). In the statement, Dr. Woodcock says that the medication, Metformin, was within the acceptable amount for the United States but there would be testing done to reach a conclusion. On May 28th, 2020, the FDA had a press release, alerting patients and health care professionals about the NDMA findings in certain Metformin Extended-Release products. Fortunately, a short time later, pharmaceutical companies began to voluntarily recall their batches of Metformin ER. It is important to note that with further FDA testing, there isn’t any shown NDMA in Metformin Immediate Release (IR), which is the most commonly prescribed type of Metformin. 


What is NDMA? 


N-Nitrosodimethylamine, or NDMA for short, is a common and naturally occurring contaminant found in water and foods like cured or grilled meats, dairy products, and vegetables. It is also a probable human carcinogen when taken in large quantities or over a long period of time. This is not the first time medication has been recalled due to NDMA. Medications like Zantac and Losartan have been recalled as well for their quantities of NDMA present. 


What pharmaceutical companies are recalling Metformin ER?


According to the FDA’s website, there have been a total of 16 laboratories that have voluntarily recalled the extended-release Metformin. Most recently, in January of 2021, Nostrum Laboratories recalled the medication. 


What should I do if I, or a loved one, are taking Metformin ER? 


If you or a loved one have been taking Metformin ER, please consult with your doctor right away to find a safer alternative. It is important to note that it can be dangerous for patients with Diabetes to suddenly stop taking Metformin without first talking to their doctor. According to the FDA, it is recommended to continue the use of Metformin until a safer choice is provided because stopping “cold turkey” can worsen actualized symptoms. 

Boesen Law always remains vigilant so you don’t have to. If you or someone you know have taken Metformin and needs legal representation, please do not hesitate to call us at (303) 999-9999 or visit our website: We are always here to help.

Share This Post

Share on facebook
Share on twitter
Share on linkedin

About Author

line footer
Marie Gonzalez

Marie Gonzalez

Recent Comments

Post a Comments

line footer
Mesothelioma & Pharmaceuticals

Type-2 Diabetes Medication: Onglyza and its Link to Increased Risk of Heart Failure

The legal team at Boesen Law is investigating claims regarding Onglyza linked to increased risk of heart failure.

What is Onglyza?

Onglyza is a medication approved by the FDA in 2009 with the purpose of treating Type-2 diabetes. According to the official website for Onglyza, it is also “..proven to lower A1C levels”. This was established through a 24-week clinical study involving adult patients with Type-2 diabetes who reported that their blood sugar was not controlled enough by taking Metformin IR (Immediate Release) alone. The study had a total of 743 adults where more than half were given Onglyza plus Metformin IR. After the study term of 24 weeks was over, the results stated that those who took Onglyza and Metformin IR saw significant A1C reductions versus those who took a placebo and Metformin IR. However, though there was only one test study conducted, individual results may vary. 

How does Onglyza work?

Onglyza increases incretin levels (incretin is a hormone that stimulates insulin secretion in response to meals) which helps release insulin. The released insulin will help control blood sugar levels. According to the Onglyza website, there are claims that the medication may lower morning blood sugar.

Blood sugar can rise while someone is sleeping due to the pancreas releasing too much glucagon ( a hormone involved in controlling blood sugar levels) which in turn, makes the liver release too much sugar. By taking Onglyza, it will reduce the amount of sugar released throughout the night causing lower blood sugar numbers in the morning.

The official website also claims that Onglyza may lower after-meal spikes which occur when the pancreas doesn’t release enough insulin or the body is not using insulin properly. By taking the medication, it may lower spikes by helping the body increase the levels of insulin after mealtime. 

Who may have been prescribed Onglyza? 

Onglyza was prescribed to adult patients 18 years and older with Type-2 diabetes. The medication was used alone (if recommended by your doctor) or with insulin/ other antidiabetic medicines.

What is causing the increased risk of heart failure while taking Onglyza?

Studies show that the main ingredient in Onglyza, saxagliptin, is causing an increase in heart failure. Saxagliptin is a class of medication called “dipeptidyl peptidase-4 inhibitors” or DPP-4.

What if I am experiencing any heart failure symptoms?

If you have any symptoms of heart failure like increased shortness of breath/ trouble breathing especially when lying down, unusual increase in weight, swelling/fluid retention (feed, ankles, or legs), or unusual tiredness/fatigue please call your doctor! If it is an emergency, please stop and call 911 immediately.

What are the side effects? 

Like most medications, there is a list of negative side effects which include:

  • Shortness of breath
  • Tiredness and lethargy
  • Increased hunger
  • Shakiness
  • Sweating
  • Headaches
  • Rapid heartbeat
  • Vision changes

These are just a few of the side effects described in the pamphlet we received. After more research on the official website for the medication, one can see that there are even more negative side effects. One of the more concerning side effects is inflammation of the pancreas (pancreatitis) and the most alarming一 heart failure.

It is said that the side effects were already existing when the drug was approved more than 10 years ago by the FDA. The manufacturer did not warn any of their patients about the effects until 2016. Here we have added the major risks detailed in the pamphlet. 

Major risks: 

  • Increased risk of heart failure
  • Low blood sugar
  • Joint pain
  • Pancreatitis

Some of the major risks seem pretty trivial; however, one should know that these major risks have landed people that have taken Onglyza in the hospital. These risks can be major life-altering events and at Boesen Law, we aim to keep everyone safe. 

If you believe you, or someone you know, have been affected by Onglyza and have been sick, contact the Boesen law offices as soon as possible. Our consultations are always free of charge and we strive to get each person the help they need and deserve. Our number one priority is your health and safety. Please call us at (303) 999-9999.

Information gathered by the following links:

Personal Injury

Takata Announces Next Phase in Airbag Recall

[:en]Auto airbag manufacturing company Takata announced another recall involving 10 million vehicles over shrapnel concerns. 

Takata’s Final Phase

This latest recall is what Takata is hoping to be the last phase of vehicles affected. The recalls began in 2001 after it was found that the airbag inflators installed in numerous vehicles, have the potential to explode during a crash causing shrapnel to possibly hit the driver and other individuals in the car. This shrapnel has the potential to cause serious injury or death as a result. 

The recalls are now seen as one of the biggest recalls ever to hit the auto industry according to an article by USA Today

Types of Cars Affected

With the newest recall car makes such as Toyota, Audi, BMW, Ferrari, Ford, General Motors (GM), Nissan, and Subaru. 

The recall involves new airbag inflators that Takata issued to affected vehicles after the original inflators were found to be defective. The inflators were created with ammonium nitrate, a chemical that later was found to break down quickly in climates with high temperatures. The breakdown can cause the airbag to explode during the crash and allow shrapnel to come out into the car. 

Injured by a Takata Airbag?

If you or someone you know has been injured as a result of a Takata airbag, contact our team at (303)-999-9999 or at (303)-835-9342 to schedule a free consultation. Click here to view our practice area page on personal injury for more information. [:]

Personal Injury

Celebrate the New Year Safely – Tips to Consider

[:en]The end of the year is upon us and a new year (and decade!) is just around the corner. While people love getting together to celebrate the New Year, it’s also important to take measures to keep yourself safe. Here’s a list of things to think about before you pop open the bubbly and raise your glass:

  1. Make a Plan – Whether you plan to go out with friends or host your own gathering, it’s important to think about how you plan to get to your location. Consider how much time you plan to be there and if you plan on drinking alcohol. If you have children and/or pets, you may want to plan to make arrangements for a sitter if you plan to be out. 
  2. Who Wants to Drive? – If you do plan to be out on the town, think about nominating a designated driver (DD) who will be 100% alcohol-free for the evening. If you end up drinking too much, you know you have a safe way to get home. No DD? Use a rideshare app like Lyft or use public transit. 
  3. Firework Safety – Be careful when handling or lighting fireworks. Keep a safe distance away from fireworks after you light them. DO NOT light a firework while holding it as this can cause serious physical injury. If you know your pets can be skittish during fireworks, take steps to make sure they are away from the noise and have correct ID tags in case they get out.  
  4. Lock and Key – New Year’s can be one of the biggest days for car break-ins and theft. If you have to leave your car outside overnight make sure anything valuable is hidden away from view, and your car is locked and secure.  

Injured in an Accident? 

If you or someone you know has been injured in an accident through no fault of your own contact our team at (303)-999-9999 or (303)-835-9342 to schedule a free consultation. Click here to view our practice area page on personal injury for more information. [:]

Personal Injury

Colorado Named Deadliest State for Avalanches

[:en]Colorado is known for its beautiful Rocky Mountains and especially mountain activities during the winter such as skiing and snowshoeing. Even with all the winter fun, however, avalanche occurrences are still a very real possibility. A report from ABC Denver 7 details how Colorado is once again the state with the deadliest avalanches.

A Record Year for Colorado

Data gathered by the Colorado Avalanche Information Center (CAIC) shows that the state had 4,273 incidents of avalanche activity over the 2018-2019 season. The organization said that this year was extreme, in that many incidents ended up covering entire highways and disrupting traffic. 

Unique Climate 

Deputy Director for CAIC Brian Lazar commented on why Colorado is so prone to avalanches, stating that “We have thin snowpack with dry periods — which gives us all the sunshine we love — that forms weak layers in the snow [and] we tend to have a more dangerous snowpack in and of itself and it’s in close proximity to lots of people.”

Overall 287 people have been killed as a result of avalanche activity in Colorado since the 1950s. This amount greatly surpasses other state totals such as Washington, which only has suffered 130 fatalities, and neighboring state Utah which has only had 120 deaths. 

Be Prepared 

Mr. Lazar also spoke about the need for individuals to be ready for any potential avalanches, especially if they are skiing or hiking in the backcountry, where terrain can be unpredictable. Having the correct equipment: at least an avalanche transceiver, probe, and a shovel is also key. Being able to correctly read the forecast and get an idea of when the risk for an avalanche occurrence is also important, and Mr. Lazar says those who need avalanche education should do their research before going out into the mountains. 

Injured in an Avalanche?

If you or a loved one has been seriously injured in an avalanche through no fault of your own, contact our office at (303)-999-9999 or at (303)-835-9342 to schedule a free consultation. Click here to view our practice area page on personal injury for more information. [:]

Personal Injury

Denver Receiving More Complaints About Icy Sidewalks

[:en]Denver inspectors are facing an increased number of complaints involving icy sidewalks, thanks to the rash of recent snowstorms. 

Difficult to Get Around

An article by Fox 31 Denver reports that Denver’s Community Planning and Development department has received a multitude of complaints of ice still on a lot of north-facing sidewalks. The department has completed well over 1,000 inspections of homes and has had to issue at least 38 tickets as a result of the homeowner’s not complying with city requirements to clear the sidewalk in front of their home, in order for people to move around safely and reduce a slip and fall risk. 

Amanda Weston who works for the department, says their main goal is education and letting people know about keeping their sidewalks clear – not ticketing. 

Upset Denver Residents 

Some Denver residents believe this approach isn’t working and changes should be made to the department’s way of handling this problem. 

Ms.Weston commented saying that a lot of people who are on the receiving end of the complaints are elderly or those with disabilities who are unable to clear the sidewalk themselves. Oftentimes inspectors will assist those people in clearing the sidewalk. 

Communication is Key

Ms. Weston has said that if you encounter this problem with your own neighbors, try and let them know first directly before going to the department to file a complaint. However, if you still find yourself with an icy path ahead of you, calling 311 to report the issue is still an option. 

Injured in a Slip and Fall? 

If you or someone you know has suffered a slip and fall incident and been injured through no fault of their own, contact our office at (303)-999-9999 or (303)-835-9342 to schedule a free consultation. Click here to view our practice area page on personal injury for more information. [:]

Motor Vehicle Accident Personal Injury

New Takata Airbag Defect Prompts New Recall

[:en]Airbag manufacturer Takata has recently discovered another issue with their already problematic airbags, prompting another recall impacting 1.4 million vehicles. 

New Problem 

The newest issue with the airbags also involves existing issues with the airbags, where they are prone to exploding causing metal pieces and other parts of the airbag to hit and potentially seriously injure or kill the driver. 

According to an article by CNN Business, 41.6 million vehicles have already been recalled due to the problems with the airbags. 

The Takata airbag recall is already known to be the largest recall in automobile history. 

Wide Impact

Many makes of cars have been affected by the recall, including Ford, Honda, and even the luxury car brand Ferrari. 

The recalls also forced the company to file for bankruptcy as a result in 2017. The recall has also had an impact globally, with the Australian government reporting that at least 29 deaths have occurred as a result of Takata airbags. 

Injured by a Takata Airbag?

If you or someone you know has been injured in a car accident as a result of a Takata airbag contact our office at (303)-999-9999 or (303)-835-9342 to schedule a free consultation. Click here to view our practice area page on Personal Injury, and our practice area page on Motor Vehicle Accidents here, for more information. [:]

Personal Injury Safety Tips

Winter is Coming: Slip and Fall Safety Tips

[:en]Fall is upon us (and soon officially Winter) in Colorado, bringing all the snow and cold weather with it. During these months, getting around the state can be tricky. Drivers have to adapt to changing conditions on the roads, and budget more time for getting around. Even walking around can present its own set of challenges, especially the possibility of a slip and fall.

Whether it’s trudging through snow or watching out for that patch of ice on the ground, it’s important to have some tips in mind when you are out and about on foot this time of year. 

  1. Take it Slow – Be sure to slow down and make sure you are paying attention to where you are placing your steps. 
  2. Wear Appropriate Shoes – Wear shoes that have good traction or that are slip-resistant to help keep you upright. 
  3. Keep Your Hands Free – Try to keep items out of your hands as it can impede your balance and your ability to catch yourself. 
  4. Take the Easy Way – Try to take the flattest route possible, and avoid curbs that can be built up with snow and ice on them, making them slippery. 
  5. Car Support – Be cautious when getting in and out of your vehicle and use it for balance or extra support if you need to. 
  6. Be Aware Indoors – Ice and snow are magnets for creating wet floors indoors. Be sure to look out for wet floor signs and walk slowly to help keep your footing. 

Injured in a Slip and Fall or Other Accident? 

If you or someone you know has been injured in a slip and fall incident, or other accident through no fault of your own, contact our team at (303)-999-9999 or (303)-835-9342 to schedule a free consultation. Click here to view our practice area page on personal injury for more information. [:]

Talcum Powder & Ovarian Cancer

FDA Feeling the Pressure When It Comes to Talc

[:en]A special report by Reuters documents how the Food and Drug Administration (FDA) appears to have downplayed the seriousness of asbestos in talc products over the wishes of companies like Johnson & Johnson. 

FDA Sitting Back on Talc

The report goes back to the 1970s where the issue of asbestos in talc products first came to light. According to the article, the FDA found a sample of talc in Johnson & Johnson’s popular Shower to Shower product. However, the FDA did not investigate further after Johnson & Johnson told the agency that the product was safe and their own testing showed no evidence of asbestos. 

The FDA also had plans to set regulations on asbestos in talc and other cosmetic products, yet chose not to go forward after Johnson & Johnson and other talc companies banded together to propose that the companies could self-regulate their products. 

Legal Cases Put on the Pressure

However, now that companies like Johnson & Johnson are being sued by thousands of plaintiffs over the safety of their talc, the FDA is feeling the heat to step up as well. According to the article “FDA cosmetics chief Linda Katz began organizing the November 2018 symposium and a public hearing on talc testing, now planned for next year.” The organization however once again looked to J&J for guidance, which recommended talc experts who have testified in defense of J&J in legal proceedings. 

Injured by a Talc Product? 

If you or a loved one has used baby powder or other talc-based product extensively and have been diagnosed with ovarian cancer and/or mesothelioma contact our team at (303)-999-9999 or (303)-835-9342 to schedule a free consultation. Click here to visit our practice area page on talcum powder and ovarian cancer for more information. [:]