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GEORGETOWN OFFICE 121 Screven Street Georgetown, SC 29440 • Medical Malpractice
• Workers’ Comp. • Dram Shop Liability • Nursing Home Abuse • Hospital Negligence • Jail Misconduct CHARLESTON OFFICE 635 East Bay Street, Suite F Charleston, SC 29403 FEBRUARY/MARCH 2025
• Car Accidents • Personal Injury • Truck Accidents • Wrongful Death
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INSURANCE COMPANIES STILL WANT MORE? THEY SHOULD PAY THEIR DUES BEFORE DEMANDING REFORM
Last month, new legislation was introduced by an upstate Senator who has spent his career defending Allstate Insurance Company. This bill will fundamentally alter the way the Courts in South Carolina have operated for the last 250 years. There has been a considerable push in the last two years to amend the state’s liquor liability laws to reduce the premiums paid by restaurants and bars in South Carolina. There is certainly some reform necessary in this area, as the laws related to this issue do not make a lot of sense. However, the legislation that has been proposed is backed by the trucking industry and will actually make costs go up for restaurants and bars by requiring that they have more coverage. Senate Bill 244, or as I like to call it, the “Insurance Welfare Act,” isn’t about fairness. It’s about boosting profits for insurance companies already raking in record-setting revenue, and it comes at the direct expense of everyday South Carolinians. Let’s be clear: Insurance companies are not struggling. In fact, they’re thriving . In 2023 alone, the carriers operating in South Carolina reported an additional $700 million in profits compared to the previous year. That’s not a typo — $700 million more. These companies are sitting comfortably, their executives pocketing million-dollar bonuses, while they systematically deny valid claims, delay payments to families in crisis, and force injured individuals into exhausting legal battles. And now, they want to
rewrite the rules to make it even harder for our citizens and small businesses to hold them accountable. The bill contains a number of provisions that will impact the Constitutional rights of the victims of government corruption, patients who fall victim to reckless and grossly negligent medical care, and homeowners whose homes were built with defective construction. What’s especially infuriating is how they dress this up in the language of “reform” and “fairness.” They’ll tell you it’s about lowering insurance rates or reducing frivolous lawsuits. But here’s the truth: We’ve seen this playbook before, and it’s a lie. In 2005 South Carolina enacted sweeping laws regarding medical malpractice. The year after the law took effect, insurance premiums for medical providers went up 18%. In 2020, Louisiana passed the Louisiana Civil Reform Act, promising it would slash car insurance rates by 25%. However, rates went up. Even Louisiana’s Republican Governor Jeff Landry admitted as much, warning his constituents, “Fool me once, shame on you. Fool me twice, shame on me.” South Carolina, don’t let them fool us. Here’s what happens when laws like this pass: Insurance companies face fewer consequences for bad behavior. They can deny your claim with impunity, drag out your case for years, and bet on the fact that you’ll give up before they ever have to pay. This isn’t hypothetical. It’s happening
right now. I’ve seen injured workers on the brink of bankruptcy because their rightful claims were tied up in red tape. I’ve met disaster victims still living in temporary shelters, not because help isn’t available, but because insurance companies refuse to pay out what they owe. I’ve seen elderly nursing home residents neglected because insurers denied coverage for essential care. This bill will only make things worse. The solution isn’t to gut our legal protections. It’s to demand that insurance companies do their job — honor their policies, pay legitimate claims promptly, and stop using delay tactics to pad their profits. If they want to talk about reform, fine. But let’s start with them. It’s time we saw these companies prioritize people over profits. That’s why I’m asking you — no, urging you — to contact your local legislator today. Tell them to vote “NO” on Senate Bill 244. Tell them South Carolina doesn’t need to make it easier for billion-dollar insurance companies to dodge responsibility. We need leaders who stand up for the people who elected them, not for corporations that line their pockets. Your voice matters. Your story matters. Let’s make sure they hear us loud and clear.
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THE BIG FIX The Biggest Scandal in MLB History
If you had dedicated your life to a sport, and the team you played for made it to the championship in its premier professional league, how much would it cost for you to throw that opportunity away? This was not a hypothetical question for the 1919 Chicago White Sox but an actual offer. The White Sox were about to play in the World Series against the Cincinnati Reds, but the players were underpaid and disgruntled, which gave gambler Joseph “Sport” Sullivan an opening. Sullivan offered the White Sox players a payout of $100,000 — the equivalent of over $1.8 million today — to throw the series, and many jumped at the opportunity. The White Sox were favored to win the World Series 3:1, and sports media pundits at the time were convinced they would win easily. Then they took Sullivan’s pitch, and sentiments began to change. Rumors swirled about a possible fix. After horrific performances from those involved, the White Sox lost
their first game to the Reds 9–1, the second game 4–2, and after five games, they were down in the series 4–1. But Sullivan’s promised payments failed to meet the amount promised. He delayed the per-defeat payments, and the players were furious at being stiffed. The Sox began to play to their full potential, winning the next two games 5–4 and 4–1. Then, despite playing to win, they lost game eight of the series 10–5. Journalists investigated the rumors that the World Series was fixed, and eventually, the players involved were charged with conspiracy. However, after making their sworn confessions to a grand jury, the transcripts of their testimony mysteriously disappeared. Without crucial evidence against them, the players were acquitted. Despite this, the MLB banned them from the league for life, and the team was given the infamous moniker the “Black Sox.”
Your Guide Through Multi-State and International Claims When Injuries Happen Far From Home, We’ve Got You Covered
When Accidents Happen Overseas International accidents add an extra layer of complexity. Imagine driving through the winding roads of Europe when a collision occurs. What do you do? Start by contacting local authorities and requesting an interpreter if necessary. Obtain a copy of the police report and take meticulous notes and photos of the scene. In Europe, the European Accident Statement (EAS) may come into play. This standardized form streamlines insurance claims, but only sign it if you fully understand its contents. Keep a copy for your records. Whether it’s a slip-and-fall at a resort or an injury during a guided tour, the rules are the same: Document everything, file a report, and consult legal professionals who understand cross-jurisdictional cases. Support Beyond South Carolina Accidents away from home are daunting, but you’re not alone. At Evans Moore Law, we often handle injury cases across state lines. If your case requires litigation outside of South Carolina, we’ll connect you with top-notch attorneys wherever you are and will be by your side along the way. Don’t let legal confusion add to the stress of an accident. We’re here to guide you through every twist and turn, ensuring you focus on what matters most — healing and moving forward. Let us take the burden off your shoulders.
Spring break brings adventure, new destinations, and, unfortunately, a higher chance of unexpected mishaps. If you find yourself navigating the aftermath of an out-of-state or international accident, understanding your rights and acting swiftly can make all the difference. Out-of-State Accidents: Know the Rules of the Road Oftentimes, if you’re involved in an accident while traveling in a different state, the laws of that state apply. This means procedural requirements, such as statutes of limitations, will be dictated by the location of the crash. Additionally, you’ll likely need to file a lawsuit in the state where the at-fault party resides. Fortunately, your car insurance provides coverage across the entire U.S., offering some peace of mind as you navigate the situation. However, out-of-state cases can still involve unique legal nuances, so seeking guidance from an experienced attorney is essential. Steps to Take Immediately No matter where you are, these steps will protect your claim and pave the way for justice: • Call 911 to report the incident • File a police report and request a copy for your records • Contact your insurance company
• Take photographs of the accident scene • Gather any witness’s contact information • Contact an attorney who can provide direction
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Fabulous Flourless Chocolate Cake
March 2 is Read Across America Day, and what better way to celebrate than with some literary inspiration? Our attorneys, Scott and James, share some of their favorite books that have inspired, entertained, and even challenged them. Whether you’re looking for a thrilling tale, a heartfelt memoir, or a spiritual journey, their selections have something to offer for everyone. • “For Whom the Bell Tolls” by Ernest Hemingway: This gripping novel explores love, sacrifice, and courage during the Spanish Civil War through the story of an American dynamiter on a dangerous mission. • “Down Around Midnight” by Robert Sabbag: The author recounts the emotional and physical aftermath of a plane crash, told with honesty and gripping detail. • “Light on Life” by B.K.S. Iyengar: A profound exploration of yoga as a pathway to emotional, spiritual, and physical well being. • “On the Road” by Jack Kerouac: This American classic captures the spirit of freedom and adventure through a cross-country road trip filled with jazz, poetry, and personal discovery. • “The Electric Kool-Aid Acid Test” by Tom Wolfe: This vivid, experimental journey through 1960s counterculture offers a glimpse into a transformative moment in American history. • “One Flew Over the Cuckoo’s Nest” by Ken Kesey: This poignant and rebellious exploration of individuality and authority, set in a psychiatric hospital, has long been considered a must-read. • “Be Here Now” by Ram Dass: A transformative book blending Eastern spirituality with personal insights, inspiring readers to live in the present moment. • “To Kill a Mockingbird” by Harper Lee: Every lawyer’s favorite, this powerful story of justice, race, and morality in the Deep South is told through the eyes of a young girl. • “The Sun Also Rises” by Ernest Hemingway: This is a poignant novel about love, loss, and disillusionment in the wake of World War I. • “The Grapes of Wrath” by John Steinbeck: Another American classic, this profoundly moving story highlights a family’s perseverance and hardship during the Great Depression. • “Unto the Sons” by Gay Talese: This is a sweeping multigenerational memoir of immigration, family, and pursuing the American Dream. Why These Books Matter These selections remind us of the power of stories to connect, heal, and inspire. This Read Across America Day, we encourage you to dive into a new book or revisit an old favorite and discover the magic of reading. What’s on your reading list this year? Let us know — we’d love to hear from you! 11 Inspiring Books to Read This Read Across America Day OUR ATTORNEYS’ FAVORITE READS
Ingredients
Inspired by EasyDessertRecipes.com
• 1 cup chopped dark chocolate • 1/2 cup unsalted butter, melted • 3/4 cup granulated sugar
• 1/2 cup almond flour • 1/2 cup chopped walnuts • 4 large eggs, separated • 2 tbsp cocoa powder
Directions
1. Preheat oven to 350 F and grease a springform pan with butter or nonstick spray. 2. Place chocolate in a medium bowl. Pour warm, melted butter over it, wait for 2 minutes, then stir until chocolate is melted and smooth. 3. Add sugar, almond flour, and walnuts and stir to incorporate. Stir in the egg yolks and set mixture aside. 4. In the bowl of a standing mixer fitted with the whisk attachment, whip egg whites on medium until stiff peaks form. 5. Fold 1/4 of the whipped egg whites into the chocolate batter. Repeat, 1/4 at a time, until egg whites are incorporated. 6. Pour batter into springform pan and bake for 30–35 minutes. 7. Remove from the oven and let it cool completely before removing from the pan. Dust with cocoa powder before serving. TAKE A BREAK!
SOLUTION ON PAGE 4
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GEORGETOWN OFFICE 121 Screven Street Georgetown, SC 29440 (843) 995-5000
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INSIDE THIS ISSUE 2. 1. South Carolina’s Insurance Welfare Act’ Puts Profits Over People The ‘Black Sox’ and the 1919 World Series
Spring Break Gone Wrong? Your Legal Rights Across Borders
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Explore New Worlds and Perspectives With These Must-Read Titles
Fabulous Flourless Chocolate Cake
The Haunting Story of an Amazonian Vampiress
Beautiful French Opera Singer or Mysterious Vampiress? THE LEGEND OF CAMILLE MONFORT
Everyone loves a good scary story. However, stories with unfinished and uncertain endings leave more spine-chilling options for
It’s said that Camille’s striking beauty and disregard for societal conventions cast spells of desire over rich men and spread great envy among their wives. Rumors spread that her pale skin tone not only meant she was a vampiress, but her beautiful singing during concerts hypnotized her audience so she could easily feed from them. Unfortunately, her mystery was short- lived. By the end of 1896, cholera devastated Belém, taking Camille’s life at age 25. She was then buried in the Cemetery of Solitude, but many believe her tomb is empty and her death was a ruse. Stories of strange disappearances and whispered encounters surround Camille Monfort’s entire existence, making her haunting story a unique chapter in the history of vampires.
the imagination. The ever-alluring legend of Camille Monfort will raise the hair on your neck and make you wonder what may have been behind her story.
In 1896, Belém, Brazil (in the Amazon), emerged as a wealthy city filled with grand luxuries due to the rubber trade. The city’s newfound affluence brought extravagance in many areas, including Theatro da Paz, which brought European culture to the jungle. However, it wasn’t until the beautiful French opera singer Camille Monfort took center stage that the city’s mystery came to light.
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