Any California trial litigation attorney can tell you, whether he or she practices in Indian Wells, Palm Springs or Palm Desert, San Diego, California, Orange County, CA, La Jolla, Del Mar, Laguna Beach, Newport Beach, Corona del Mar, Huntington Beach, Irvine, Santa Ana, Irvine, Ventura, Santa Barbara and San Luis Obispo, Ontario, Rancho Cucamonga, Temecula, Riverside, San Bernardino, the Coachella Valley, CA, La Quinta, Indio, Yucca Valley, or Joshua Tree, depositions can make or break your case. A good defense attorney can make even the calmest deponent nervous. And then there are some deponents who can drive a litigation lawyer nuts.
Many times, clients want to know how to answer deposition questions. First of all, I tell my clients to answer truthfully. Then I advise clients not to watch how politicians answer questions. This is what can happen if a client ignores that advice.
“You said to the policeman investigating the scene of the accident that you weren’t wearing a seat belt yet today you state that you were wearing one,” the defense attorney stated to my client.
My client smiled sweetly at the news commentator, just like Sarah Palin did to Charles Gibson in her first television interview.
“Would you care to explain this discrepancy?” the attorney asked. The attorney had introduced himself as Charles Johnson.
“Well, Charlie, I believe everyone should wear seat belts when they are in a car.
“Okay, but can you explain why you told the police officer at the scene that you weren’t wearing a seat belt?”
My client smiled sweetly again, giving the attorney her best impression of a political candidate.
“Charles, I believe in a woman’s choice, however I feel even more strongly about the sanctity of life.”
“You’re not going to answer the question, is that what you’re saying?” the attorney asked, looking over his own eyeglasses.
“Well, I really think that there are much bigger issues to discuss,” the client answered, putting the attorney on the defensive.
“Don’t you think it’s important for us to know if what you say now is different from what you said earlier?”
My client looked directly at the attorney. “Charlie, I believe what is important here is that your client ran a red light.”
“Lets move on to the fact that you claim you never had a back injury before this accident.. How do you reconcile that with your treatment for back pain prior to this accident?”
“Charlie, as you know, you can have a visit to a doctor without it being for an injury. I have to say this type of questioning borders on being sexist.”
“Did you or didn’t you have treatment for a back condition prior to this accident?” the attorney said, raising his voice.
“It’s not what you go to for a doctor, it’s what the doctor does for you, Charles, and when you realize that women are different from men, you’ll learn that women doctors do things differently than male doctors.”
“You’re refusing to answer my questions.”
“I’ve answered all of your questions,” my client said.
“No,” the attorney said. “All you’ve done is give me stock answers to the questions you want me to give and not answer the questions I’m asking.” The opposing attorney turned to me and realized I hadn’t made a single objection.
“Please, ask me your question, and I’ll be as honest as I can.”
“Is it true that this has been your third accident this year and that each time you’ve been rear ended.”
My client smiled and the attorney asking the questions knew he would not be getting an answer to this one that he could use.
“I believe that God has a plan for each of us and sometimes he tests our resolve.”
“That’s your answer?” the attorney asked. “You might as well be speaking in tongues right now.”
“God has a plan for all of us, Charles, even for you,” my client said.
“If it’s to drive us nuts, it’s working,” the attorney said. “I’ll give you one last chance to answer a question. Did you cause this accident?”
“Charles, what may be interpreted as a cause could sometimes be otherwise viewed as simply trying to avoid the, you know, impossibly difficult or, trying to prevent that kind of thing, then again, even when you are driving carefully, these accidents…and this could be viewed as one of those situations. Does that answer your question?”
Two hours later when the deposition had ended, the attorney was looking frazzled.
“How did I do?” my client asked me after the deposition was over.
I smiled sweetly like any good politician. “It’s not how well you did,” I said. “It’s how many psychiatric treatments that attorney is going to need before he is able to attempt another deposition.”
Note – In California, refusing to answer questions can lead to having a motion filed against the party who refuses to answer deposition questions, and an imposition of a fine against the deponent or attorney who abuses the discovery process. Sadly, many deponents and attorneys in California abuse the deposition process when they think the other party’s attorney won’t take the time to file a motion to compel. An attempt to evade questions as a politician often does, or answering with stock answers instead of providing answers responsive to the questions is clearly improper. And politicians who answer questions in this manner are not setting a good example. On the other hand, some of Sarah Palin’s answers to questions put to her by Katie Couric, similar to this deponent’s last answer, were so incomprehensible it is hard to know how a judge might view answers such as hers.
Sebastian Gibson graduated cum laude at UCLA in 1972 and received two law degrees in the U.S. and the U.K., graduating with an LL.B. magna cum laude from University College, Cardiff in Wales and a J.D. from the University of San Diego School of Law in Southern California.
The Sebastian Gibson Law Firm serves all of San Diego, Orange County, Palm Springs and Palm Desert, the Coastal Cities from La Jolla and Del Mar to Laguna Beach, Newport Beach, Irvine, Santa Ana and Irvine and up to Ventura, Santa Barbara and San Luis Obispo. We also serve the Inland Empire cities of Ontario, Rancho Cucamonga, Temecula, Riverside and San Bernardino and all the cities in the Coachella Valley
If you are involved or need legal defense in any kind of litigation anywhere in Southern California, including personal injury, wrongful death, insurance, business, copyright, trademark, advertising, corporate, entertainment, environmental, media, broadcast, constitutional, real estate, civil, privacy rights, contract, agricultural, international, maritime, education, election, probate, civil rights, employment or discrimination, state or federal, we invite you to visit our website by clicking on one of these two links. We have the knowledge and resources to represent you as your Palm Desert Litigation Attorney and Newport Beach Litigation Lawyer in Malibu, Hollywood, Los Angeles, Pacific Palisades, Ontario, Rancho Cucamonga, San Diego, Orange County, Palm Springs, Palm Desert, Long Beach, Santa Ana, Anaheim, Riverside, Rancho Mirage, Indian Wells, Chula Vista, Irvine, San Bernardino, Huntington Beach, Fontana, Moreno Valley, Oceanside, Garden Grove, Palmdale, Corona, Escondido, Orange, Fullerton, Costa Mesa, Victorville, Carlsbad, Temecula, Murrieta, Mission Viejo, El Cajon, Vista, Westminster, Santa Monica, Santa Barbara, Venice, Hollywood, Hesperia, Corona del Mar, Laguna Beach, Dana Point, Costa Mesa, Newport Beach, Buena Park, Indio, Coachella, Newport Coast and Crystal Cove.
Filed under auto insurance price quote by on Jul 23rd, 2009. Comment. 
In today’s world of dangers, it has become highly necessary to insure once health. Just the thought of medical and health care expenses can drive you crazy. With medical and health treatment getting costlier day by day, that a average middle class person is finding it difficult to manage their basic health care. And with this situation at hand, you need to make sure that you have a health insurance, it is a ‘Must Purchase’ in your list of buys. And before you get insurance you need to do a little research to get a quote to find out how much you pay for the policy and service and how much you will get from the policy.
It does not matter which city you live in; Los Angeles, Redding, San Diego, Sacramento or California, we all tend to be bothered about the same things: air and water which is not polluted and anything else which is quite essential to maintain good health.
People from these places know that different rates of health insurance are based on the different needs of different individuals. Most people from California know that getting a quote from the Health Insurance is the best method to find the most suitable and affordable health insurance deal. Though the reputation of the company and the comfort level with the policy is important, but still people from all over the world including California mainly depend upon the quote they get for the policy. Our health is really precious but we need to realize that health insurance is not all that important.
A quote by the Health Insurance in California is the best possible information a consumer can avail to make a perfect decision on health care for themselves or their family members. You need to compare like policies in regard to actual quote, to see what you get covered under it as well as costs for scheduled appointments with the doctor or in the case of emergency at the hospital. It is really very essential to ask questions regarding choice of physicians, payment for pregnancy, pre-existing conditions and the many other doubts in your mind before actually deciding which policy is the best for you and your family. Policies are many just as the families who need them and so it is very important to look into every aspect of your health insurance quote from, what you need to do initially or at the time of service to what your health professionals need to do.
All throughout United States the best way to get information on health insurance is to get a health insurance quote, information like their standard of care and the expenses you need to pay. And in today’s world, where we have a lot of daily and monthly payments, it is really necessary to make the right choice regarding our financial position and our physical care. And also with the certainty of an official insurance you come to a peace of mind which actually brings you good health. In California a Health Insurance quote actually helps you to decide which policy will be the best for you. And it will help you tend to your most basic desire as a human – Good Health and Financial Security.
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Article Source: ArticlesBase.com – Does the Health Insurance Quote You Get in California Help?
Filed under Health Insurance by on May 5th, 2009. Comment.
What Is Mortgage Life Insurance?
If you have a mortgage and are a home owner, you have most likely heard the pitch for mortgage life insurance. It typically comes in an envelope from your lender and might include a letter from your lender suggesting that you buy a policy.
It is important to realize though, that the insurance itself is sold by insurance companies. Even though it is called “mortgage insurance,” it is in reality decreasing term life insurance that will pay off your mortgage if you pass away.
How Are Premium Payments Planned?
Mortgage life insurance is a decreasing term policy. The policy starts with a death benefit that is equivalent to your existing mortgage balance. The death benefit reduces at the same pace as your mortgage balance. The premium payments never vary but may cease before the loan payment. Your lender may agree to include the premium payments to your monthly mortgage expense.
Is Mortgage Life Insurance Identical to Private Mortgage Insurance (PMI)?
No-mortgage life insurance is commonly befuddled with Private Mortgage Insurance (PMI), but they have little to do with one another. You purchase mortgage life insurance willingly to shelter your family from having to pay the mortgage.
Mortgage lenders require you to buy PMI to shield them (the lenders) from the probability that you will default on the mortgage.
Insurance Tip: Request for insurance agents to estimate their best price for a decreasing term policy in the same amount, period, and interest rate before buying from a sales pitch sent by your mortgage company.
What Is Credit Life Insurance And Credit Disability Insurance?
When financing some kinds of big items – automobile, furniture, audio equipment – there is a good possibility you will be presented with credit life and credit disability insurance. Credit life guarantees to pay your balance if you die. Credit disability will pay your payments if you become disabled and not capable of working.
Credit life is a decreasing term policy. The insurance premiums are typically added into the loan contract. This type of insurance is constantly voluntary and it can be rather costly. Your lender cannot require you to purchase credit life or credit disability insurance.
Although they may have some comparable elements, credit life and credit disability insurance are not the same thing as mortgage life insurance.
What Is A Life Insurance Rider?
A “rider” is something that is supplementary to the basic policy. Riders can be used to either add benefits to the policy or limit benefits previously in the policy. Common riders are as follows:
Accidental death: Double indemnity is an additional name for this rider. It means that the benefits paid by your policy will be two times the face sum of the policy if you die in an calamity.
Approximately twenty percent of policyholders perish in accidents.
The price for an accidental death rider is usually reasonably priced.
Some critics bring up the point that how the policyholder dies has nothing to do with how much money your survivors will need.
Waiver of premium: This rider allows you to cease paying premiums whenever you happen to become disabled and unable to continue working.
It is crucial to comprehend how the rider defines “disabled.” For example, the meaning could be very restrictive and require you to be so extremely disabled that you cannot do any sort of work whatsoever.
A disability policy can also defend you from monetary hardship due to a disability. Depending on the kind of policy you acquire, it could supply capital to pay for all of your living expenditures, not solely your life insurance premium.
Mortgage protection: This rider fundamentally attaches a mortgage life policy to your chief policy.
Other insured: You can insert life benefits for your spouse or children. They may have varying coverage amounts and be subject to medical underwriting, however.
Guaranteed insurability: This rider would characteristically be added to a whole life or universal life insurance policy.
It gives you the right to procure a new policy or amplify the maximum on your existing policy without having to pass another medical assessment.
The rider will most likely indicate how much you can add and at what time you can do it.
The guarantee may not persist after you reach your mid to late forties.
Accelerated death benefit: This permits you use some portion of your death benefit when you have an incurable sickness. Some policies will insert this rider without causing your premium to enlarge.
Insurance Tip: If your agent automatically includes riders when calculating your premium, request the agent to value each rider independently. You can then choose whether you think the additional benefit any rider provides is worth the added rate.
Sarah Martin is a freelance marketing writer based out of San Diego, CA. She specializes in life insurance policies, companies, and advice as well as finance and business. For a free term life insurance quote, please visit http://www.equote.com
Filed under Health Insurance by on Feb 25th, 2009. Comment.