When someone is involved in a pedestrian personal injury involving an automobile, the results are often heartbreaking. The Layton Law Firm began its reputation for representing pedestrians by successfully represented a 17-year-old boy who was seriously injured by a driver, while crossing a busy Charlotte street at night. After fighting a denied claim and ultimately prevailing against the insurance company for the child and his family, we made it a priority to fight hard for injured pedestrians.

We currently represent numerous pedestrians in personal injury and wrongful death actions. We take each law firm client’s injuries seriously, but injuries to children and pedestrians are specifically important to us because of the extreme nature of the injuries and the age of the individuals involved. As a result, children and pedestrian injuries have become a passion of ours. Unfortunately, winning a pedestrian claim can be an uphill battle requiring persistence, creativity, and diligent pursuit of recovery.

Don’t Pedestrians Always Have The Right Of Way?

This is the question always asked when there is a pedestrian injury. As a Charlotte pedestrian personal injury lawyer, unfortunately I find myself quite often answering “Not always”. While pedestrians often start with a presumption of right of way, they can easily forfeit it by being too far outside a crosswalk, crossing the road at a non-designated spot, or being inebriated. In fact, there are some instances where a pedestrian actually must yield to the motorist.

How Do I Preserve The Pedestrian Right Of Way?

There are a few guidelines which will help preserve your right of way as a pedestrian. Always strive to:

  • Walk with the cross-walk signals
  • Stay inside specifically marked cross-walk pathways
  • If a sidewalk exists, use the sidewalk (and not the roadway)
  • Electric wheelchair users: follow the rules for pedestrians, NOT for vehicles

Do Drivers Have Responsibilities To Pedestrians In NC?

Yes, there are. Even in a situation where a pedestrian may have yielded the right of way, the operator of a motor vehicle must still exercise reasonable care to avoid colliding with a pedestrian in the roadway. The doctrine of Last Clear Chance can also be applied, and your Charlotte Pedestrian Personal Injury Lawyer will discuss it with you. Essentially, it says that even if a pedestrian has forfeited the right of way, if the operator of the vehicle has the last clear chance to avoid an accident, he or she must avoid the accident. This doctrine applies in other personal injury situation as well, such as automobile accidents between the operators of two vehicles.

How Can A Personal Injury Lawyer Help?

A Charlotte personal injury lawyer will help to make sure you are treated fairly. Insurance companies often deny pedestrian claims based on contributory negligence, or some other factor. An aggressive legal strategy can often overcome this denial and help achieve a fair result. It is our opinion that pedestrians make good plaintiffs. When an insurance denial is met with a threat of a lawsuit, quite often we are able to reach settlement before entering the courtroom. In most cases, an insurance company does not want to appear in court against a pedestrian, because it shows an unwillingness to settle the case or to be reasonable in accepting liability for the plaintiff’s injuries.

Pedestrian injuries also often lead to large medical bills. Your personal injury lawyer will not only work to secure a fair offer for you, but can also negotiate some of your medical billing. The end result is you end up with more money in your pocket. The ability to negotiate these bills stems from the attorney’s understanding of N.C.G.S. 44-49 and 44-50, which is a limiting factor when it comes to liens resulting from medical treatment related to the injury.

You deserve to have someone fight for your rights. Insurance companies are focused on the bottom line. We focus on the client.

Speak With A Charlotte Pedestrian Lawyer Today

If you were a pedestrian, and you were hit by the driver of an automobile or motorcycle, please call us at 704.749.7747. Or, if you’d like us to call you, just click HERE to request a call online. An attorney will be happy to discuss your rights and provide you guidance, at no charge. There’s no obligation to hire us but we hope you’ll choose to Recover With Us.

If you need a free copy of your accident report, we’re happy to obtain that for you as well– just click HERE to request one and simply let us know the date of your accident, the location, and your full name.

Loans Against Personal Injury Claims

Loans Against Personal Injury Claims

Yes, you can get loans against personal injury claims. You will need to provide extensive information to the lender, and your personal injury attorney will most likely need to provide an opinion to the lender as to the value of your claim. While a loan against your personal injury settlement may sound attractive, you should carefully consider the pros and cons before committing to financing your personal injury settlement.

What Is A Personal Injury Settlement Loan?

A personal injury settlement loan is an agreement between you and a lender, where the lender gives you money in exchange for an ownership right to some or all of your personal injury settlement funds. Most loans against personal injury claims are limited to the settlement funds. In other words, if there is no settlement, or if the settlement is not enough to pay off the entire loan amount, the lender can’t pursue you personally for the remainder.

Should I Consider A Loan Against My Personal Injury Claim?

If money is tight and you view the loan as a way to help you make ends meet until your settlement is complete, loans against personal injury claims can be a perfect solution. Additionally, the loan may provide you with more time to settle your claim for fair value rather than rush to settle at a lower amount. If an insurance company thinks you are in a rush to settle your personal injury claim, they will typically lower the settlement offer in hopes you will take it.

What Should I Consider Before Taking A Settlement Loan?

First, you need to carefully review the terms of your loan. There are no guarantees as to whether your claim will settle. There are also no guarantees as to how much your claim will settle for. If you do take a settlement loan, you’ll want to know exactly what the language of the agreement says, in the event your personal injury settlement or jury verdict is not high enough to repay the loan.

Second, you’ll want to consider the fees and interest involved in taking a loan against personal injury claims. Lenders believe they are taking a risk by lending funds against the personal injury claim. As a result, their fees are higher than typical in the lending marketplace. If you do take a loan against your personal injury settlement, you would do well to limit the amount of the loan as much as possible, so as to minimize the interest and fees charged.

Lastly, consider how long it may be until your case settles, together with other options for making ends meet. Sometimes a family member can assist with lending you some money to get by until your personal injury claim settles. Or, you can cut expenses in the meantime. If your claim is only a few months from settling, stretching to make ends meet is probably a much better option than borrowing against your personal injury claim.

Further Reading

If you’d like to read more than 100 articles about personal injury, visit our Personal Injury Blog.

You can also read specifically about the following:

How Much Is My Car Accident Worth?

How Long Will My Personal Injury Settlement Take?

 

Speak With A Personal Injury Lawyer Today

If you have questions about working with a personal injury attorney, or if you have questions about a car accident or slip and fall, call us today. You can call 704.749.7747 or click for a FREE CASE EVALUATION and we will contact you immediately. When it comes to choosing a personal injury law firm, we know you have options. We hope you choose to Recover With Us.