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What people write to Attorney Phillips...

Ken,

I hope you know the impact you have on lives of people like me who have made a trip to hell and back, due to dog bites. I have lived so much of my life since the accident angry, bitter, depressed, and embarrassed about the way I looked. Never thought I would look beautiful again. And the hatred I that was growing inside me made the inside grow as ugly as the outside felt. The counselor helped, but anytime she brought up 'forgiveness' I couldn't do it. I even refused to work on it! My husband, son and daughter were the only ones that, daily, helped me get through it. But still, no one felt what I felt. Everyone said they 'couldn't tell'...but I did. And always will.

But you and your staff worked a miracle for me! I never thought in a million years what the end result was going to be! I never assumed I was going to get anything but my medical bills taken care of. What you did for me I will forever be grateful for. You brought me the closure I have tried so hard to find. You told me that might happen...and sure enough, you were very correct.

I have the majority of the funds in a secure account, until we find the time to look for a new home. And I bought a brand new car too! My first new car, ever!

Thank you for working on my case and bettering a life for me and my family! You will be forever in my thoughts and heart!!

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Kenneth M. Phillips

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Cummis counsel

"Cummis counsel" is legal jargon, or a "nickname," for a private attorney who is retained by an insured person at the expense of his insurance company, in a case in which the person is exposed to a court judgment in excess of the limit of his insurance policy.

The best way to explain this is to give an example. Let's say that you have a $1 million insurance policy against personal liability. One day, you learn that you are the defendant in a lawsuit for $2.5 million. This is $1.5 million less than your insurance, which is limited to $1 million. Because of this gap, you technically are at risk for the difference between those two amounts. You stand to lose money from your own pocket.

For that reason, the law says that you are entitled to the services of an attorney who is accountable only to you, not to the insurance company -- and the insurance company has to pay for both attorneys, theirs and yours. The "nickname" for your private attorney is "Cummis counsel," so-called because it was the Cummis case that established your rights to a private lawyer under these circumstances.

Options for you on this site

If you were bitten by a dog, This email address is being protected from spambots. You need JavaScript enabled to view it. It's done by email to protect your privacy. He will discuss your options without charge.

If you are a lawyer, tell him about your case and he will suggest solutions. He can spend an hour on the phone with you for strategizing, connecting you with experts, and sending you pleadings, discovery documents, motions and other materials. Or get a set of the same templates that he uses for dog bite cases all over the USA.

If your dog was injured or killed, get the self-help book he wrote to tell you how to make the guilty party reimburse you and compensate you for what you are going through.

Dog trainers and rescues, get the video of his seminar that comes with essential legal documents that will protect you and your business if you are injured or accused of being liable for an injury.

Landlords and property managers can protect themselves and their tenants from the consequences of vicious dogs on the rental premises by using the Lease Addendum: Pets written by Mr. Phillips.

DogBiteLaw.com and each of its sections and products, including Dog Bite Law, Dog Bite Litigation Forms, What To Do If Your Dog Is Injured Or Killed, Avoiding Liability When You Train, Shelter or Adopt-Out, Anatomy of a Dog Bite Case, and the foregoing text, are (c) 1999-2011 Kenneth M. Phillips. All rights reserved. Reproduction in whole or part prohibited except where advance permission is granted in writing. Please read the disclaimer and our rules for linking and quoting. Reporters seeking interviews are welcome to contact us by clicking here.