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We focus on the following cases:

Defective Medical Products

Defective Medical Products

Personal Injuries

Dangerous Prescription Drugs

Class Actions

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Are Boats Required to Have Insurance in California?

  California law does not require boaters to insure their boats. Despite California’s policy on boater’s insurance, it is wise to get coverage to minimize risks to your personal assets. Boating insurance is like car or home insurance; it covers

Defective Hip Settlement: What are liens?

Hi, I’m Stuart Talley of Kershaw|Talley. The reason I am doing this video today is to provide information to people about liens. Many of our hip cases have recently settled, and our clients often have questions regarding liens. You will hear a lot about liens if you have a hip case that settles.

A lien is basically the right of your health insurance company, Medicare, or any state agency that paid for medical treatment to receive reimbursement from your settlement for the medical expenses they incurred because of your injuries. A typical example: you have private health insurance, you had a defective hip implanted, and 2 years later you need it replaced. When that hip comes out, your insurance will pay for the revision and subsequent treatment after the revision surgery. Now, for all of the expenses the insurance company or Medicare paid for your revision surgery, they have a right to reimbursement for those expenses from your settlement.

Most of the time, all fee agreements I’ve seen between plaintiff’s lawyers and their clients provide that those liens actually come out of the client’s share of the recovery. For instance, if you have a $300,000 settlement and your insurance company paid $50,000 for your revision surgery, they would have a $50,000 lien on your settlement. That $50,000 would come out of your share of the settlement after your attorneys are paid.

The important thing to know about liens is that they are often negotiable. If an attorney calls an insurance company and tells them their client has a settlement in a case, the insurance company will most often agree to reduce that lien. Generally, the amount of the reduction is equal to the attorneys’ fees owed on that amount. If an agreement is a 40% fee agreement, the attorney would then call the insurance company and tell them to reduce the $50,000 lien by 40%; it is not fair the client paid that 40% and the insurance company doesn’t have to. Almost always, the insurance company will agree to reduce the liens by the amount of the attorney’s fees.

Liens are unavoidable; you cannot ignore them. The insurance companies will come after you down the road if they find out you settled your case and you didn’t take care of their lien. With respect to Medicare, there is a federal law requiring plaintiff’s lawyers and defendants to tell Medicare about a settlement; it has to be dealt with in every case. The problem with liens is they can take a long time to resolve.  Many times the insurance companies are slow to provide the lien information and they’re even slower negotiating lien resolutions. Medicare is notorious for being very slow and it can often takes months to get a lien resolved.

If you have a defective hip, or any questions on liens and how they work (what’s recoverable and what’s not), give us a call toll free at (888) 997-5170. We have experience dealing with liens, negotiating with insurance companies, and we are happy to help.

Defective & Dangerous Products

Chicago Medical Malpractice Lawyers

The attorneys at Kershaw, Cook & Talley successfully represent consumers in lawsuits against manufacturers and companies involving defective products and product recalls. Our experienced trial attorneys recover thousands of dollars on behalf of injured individuals in cases involving defective medical devices, dangerous drugs, car defects and more.

Referring Attorneys

Best Chicago Medical Malpractice Lawyers

At times, attorneys require further expertise and resources, legally and financially, to resolve a legal matter. We have the team, capability and dedication to handle challenging cases. If you have a case exceeding your resources with respect to workforce or experience, consider contacting our firm. We welcome referrals from firms in Sacramento and throughout the United States.

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Medical Malpractice Lawyers, Kershaw, Cook & Talley

We provide free case consultations. If you, or a loved one, suffered an injury due to another’s negligence or wrongful conduct, call our firm. We will examine your individual situation and explain your legal rights. Our attorneys have extensive experience representing injured individuals, in both jury trials and settlement negotiations.

Personal Injury Attorneys, Personal Legal Service.

Kershaw, Cook & Talley is a Sacramento law firm founded on the principle of helping our clients through personalized legal services. With this philosophy, Kershaw, Cook & Talley has garnered a statewide and national reputation for providing outstanding legal representation and obtaining significant compensation for our clients.

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We understand personal injury cases are often emotionally and financially straining. Our team of top personal injury attorneys in Sacramento is committed to seeking justice for individuals injured as a result of another's negligence or intentional misconduct. At Kershaw, Cook & Talley, our experienced personal injury attorneys will hold the responsible parties accountable for their actions.


“Bill and Stu worked expeditiously to get my hip claim resolved.
I couldn’t believe how personable they were and easy to contact.”

-S. Thomas

“Stuart helped me with a case involving a defective hip replacement. He was incredibly responsive to my calls and concerns and really kept me updated on what was going on in the litigation. Even though his office was not in my hometown, he actually flew out to meet with me. He was incredibly knowledgeable about the case and really helped me through a very difficult time.”

-Personal Injury Client, as seen on AVVO

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