can i use my credit card

Generally, speaking you cannot use your credit card to pay for bankruptcy. The reason behind this is if you use your credit cards too close to filing bankruptcy, there is a presumption of abuse that arises. This presumption of abuse means it is assumed that you incurred debt you knew would be forgiven or discharged by Chapter 7 bankruptcy. By using your credit card to pay for bankruptcy, then filing bankruptcy, it is hard to argue you did not plan to have the cost of bankruptcy discharged. Keep in mind, you cannot keep your credit cards when you file bankruptcy.

Incurring Debt Prior To Bankruptcy

Your lawyer can’t advise you to incur debt prior to filing bankruptcy. If your lawyer accepted a credit card payment for your bankruptcy, this would be the equivalent of advising you or assisting you in incurring debt prior to filing bankruptcy. This violates federal bankruptcy law and your lawyer would experience repercussions as a result. There are a few exceptions, like accepting a credit card payment from a relative for your bankruptcy; however, attorneys have to be very careful when accepting credit card payments in any situation.

Allowable Debt Prior To Filing Bankruptcy

This does not mean you can’t incur any debt prior to bankruptcy. An example would be the purchase of a car before filing bankruptcy. If you take out a loan to buy a car just before bankruptcy, this is allowable. First, a vehicle loan is a secured debt. This means that the lender is secured in the event you file bankruptcy—if you want the debt discharged you would have to give them the vehicle. However, in most cases, when you buy a car before filing bankruptcy, it’s to avoid trying to buy one after bankruptcy hits your credit score and credit report. In that case, after you file the bankruptcy, you simply file a reaffirmation agreement with your attorney’s help. This way, you file bankruptcy, keep the car, and keep the debt associated with the car. The loan terms do not change.

Cash Advances And Bankruptcy Filing Fees

You can potentially take out a cash advance on a credit card to pay your attorney. However, in our opinion, this still qualifies as using your credit card to pay for bankruptcy. Additionally, if you take out more than $925 in the 70 days prior to filing bankruptcy, for any reason, the credit card company can file a lawsuit demanding that those particular funds should not be discharged in bankruptcy.

How Can I Pay My Bankruptcy Fees

Stop Paying Credit Cards — Once you know you’re going to file bankruptcy; you can stop making payments on credit cards which will be discharged in bankruptcy. This may free up some immediate cash flow to pay for your bankruptcy.

Borrow Money From A Friend Or Family Member – It’s ok to borrow money from a friend or family member to file bankruptcy.

Ask About A Payment Plan With Your Attorney – Our firm allows payment plans for filing bankruptcy. Your final payment does need to be made prior to filing the bankruptcy. This allows you to make a small payment up front to hire us, and have us work on your case. Together we will spend as much time as needed preparing for the filing. When you’re ready with your final payment, we will also be ready to file the bankruptcy. This works great for most clients.

Talk To A Charlotte Bankruptcy Attorney Today

If you’re having trouble with finances, and considering bankruptcy, give us a call. You can reach us at 704.749.7747. Or you can click for a FREE BANKRUPTCY CONSULTATION and we’ll call you shortly. A brief phone conversation can change your life and get things going in the right direction. We know you have options. We hope you choose to Recover With Us.

Loans Against Personal Injury Claims

We talk with injured individuals every day who ask about Uninsured Motorist Coverage. If you’re injured in an automobile accident and the other driver does not have insurance, you may think you can’t be compensated for your injuries. Generally, this is not true. This holds true for as well for individuals insured as pedestrians, cyclists, and motorcycle accident victims.

In North Carolina, motorists are required to carry minimum insurance coverage. That coverage requires $30,000 for bodily injury, $60,000 for total bodily injury for all persons in an accident, and $25,000 for property damage. Lastly, they are also required to carry Uninsured Motorist Coverage and underinsured motorist coverage of $25,000.

Uninsured Motorist Coverage

Uninsured Motorist Coverage is exactly what it sounds like. If someone without insurance injures you in an auto accident, your Uninsured Motorist Coverage will pay for your property damage and bodily injury. Placing a claim with your insurance company in this manner will not affect your insurance rates. If you’re hit by a hit and run driver, you should also be able to access your Uninsured Motorist Coverage—be ready though, your insurance company will want to know plenty of details about the accident and the hit and run driver, before they will provide coverage. The reason is that insurance companies are fearful that drivers make up hit and run stories as a way to create fraudulent claims.

Underinsured Motorist Coverage

Underinsured Motorist Coverage plays a different role than Uninsured Motorist Coverage. If your injuries cost more than the coverage the other driver has, you can access your Underinsured Motorist Coverage. However, there’s a catch—your Underinsured Motorist Coverage must be more than the coverage the driver who hit you. Essentially, your policy will get a ‘credit’ for whatever has been paid. Take for example, a situation where the at-fault driver has a policy of $30,000 and you have a policy of $50,000. If you reach a settlement for $30,000 with the at-fault driver’s insurance company, you potentially have access to an additional $20,000 from your carrier ($50,000-$30,000).

Stacking Your Coverage

North Carolina has an anti-stacking statute. In states that allow stacking, the purchased coverage can be multiplied by the number of vehicles in the insurance plan. In an insurance plan that has $30,000 in Underinsured Motorist Coverage, if there are 3 vehicles in the plan, you would have access to $90,000 in Underinsured Motorist Coverage. North Carolina does not allow this mechanism for determining the amount of Underinsured Motorist Coverage available to you.

Separate Insurance Policies

If you have two separate insurance policies in your household, you may have the ability to ‘stack’ your Underinsured Motorist Coverage and your Uninsured Motorist Coverage. Where your damages exceed the coverage of the at-fault party, you can access one or both of your auto insurance plans in order to be fairly compensated for your injuries and lost wages.

Call A Personal Injury Lawyer Today

As you can see, insurance issues are complex. Having a law firm with the experience to understand the coverage available to you and your family is critical. If you would like to speak with a personal injury lawyer about a car accident, call us today at 704.749.7747. Or, click here for a FREE PERSONAL INJURY CONSULTATION and we’ll reach out to you quickly. We know you have options. We hope you choose to Recover With Us.

Is Bankruptcy Right For Me

If you’re asking yourself “Is bankruptcy right for me?” most likely, the answer is yes. We work every day with hard working individuals who simply can’t keep up with growing medical debt, credit card debt, or mortgage problems. Bankruptcy offers a powerful solution which is life-changing.

When a potential client is wondering “Is bankruptcy right for me?” we encourage them to look more specifically at a few areas of their finance life, in hopes of helping them find an answer. Typically, our bankruptcy clients have spent years trying to pay off credit card debt. Unfortunately, the interest rates, late fees and penalties make it all but impossible. The banks will survive if you file bankruptcy. Our biggest concern is the health of you and your family.

How Expensive Is Bankruptcy

We are very much aware that when you’re having trouble making ends meet, the idea of paying a law firm for a bankruptcy can be overwhelming. Fortunately, most clients find the fee for bankruptcy is reasonable. Additionally, once you know you’re going to file bankruptcy, you can stop making payments on debt which will be discharged in bankruptcy. This includes medical bills, credit card debt, and often tax debt. If you’d like to request a free quote for bankruptcy, click here: FREE BANKRUPTCY QUOTE.

How Immediate Is The Relief

The day you file your bankruptcy papers with the federal court, your creditors will be sent notice of the filing. This means they can no longer contact you in an attempt to collect a debt. It also means any legal actions including foreclosure and writs of execution, are automatically frozen by the Automatic Stay in bankruptcy. Your phone stops ringing, threatening letters stop arriving by mail, and peace is immediately restored to your life.

How Quickly Will I Recover

This is a question which certainly is on everyone’s mind. Bankruptcy clients are often surprised at how quickly they begin to recover from bankruptcy. While the bankruptcy will show on your credit for up to 10 years, you will begin to receive offers for vehicle financing, credit cards, and other extensions of credit, within one year of filing. Most clients report that their credit score one year after filing bankruptcy is better than it was on the day they filed bankruptcy. If you’re wondering “Is bankruptcy right for me?” these are great answers when it comes to credit scores!

Can I Buy A House If I File Bankruptcy

We love that clients think ahead about the dream of home ownership. For most clients considering bankruptcy, there’s no way to buy a house due to the amount of debt they have, and the fact their credit score has usually been lowered by aggressive banks reporting late and non-payments. There’s good news. Two years after you complete your bankruptcy, you’ll become eligible for some federal home lending programs. Four years after you complete your bankruptcy, you’ll become eligible for the same loan products everyone in the private market is eligible for. In the meantime, you’ll be able to save for a down payment because you won’t be sending money to credit card companies every month.

Speak With A Charlotte Bankruptcy Attorney

If you’d like more information about filing bankruptcy, speak with a Charlotte bankruptcy attorney today. You can call us at 704.749.7747 or click here for a FREE CONSULTATION. We know you have choices. We hope you choose to Recover With Us.

Charlotte Chiropractor and auto accidents

As a personal injury law firm, we routinely are involved with settling personal injury claims involving a Charlotte Chiropractor. Quite often, an injured client has pain which can’t be addressed by a medical doctor. Often, the client is referred to a Chiropractor or physical therapist for treatment. Whether to be treated by a Charlotte Chiropractor is your choice. Ultimately, the goal is to restore you to good health, and quite often a Chiropractor can help. Below are some symptoms which a Chiropractor might be able to help you with, where your primary care physician may not be able to assist.

Headaches After A Car Accident

If you’ve been in a car accident, the impact from the accident can easily lead to concussions or head pain. While headaches may be a sign of a concussion, more often they are simply a side-effect of your body experiencing the impact of the accident. Misalignment of the neck or spine from the car accident can leave you with chronic headaches. A Charlotte Chiropractor can present you with a plan for treatment which ultimately re-aligns the neck and spine, improves blood flow and oxygen to the head, and decreases headaches. If you have Medical Payments coverage on your auto policy, you may be able to pay for your treatment by accessing that coverage.

Limited Range Of Motion

So many car accident clients and slip and fall clients feel OK the day of the accident. Perhaps adrenaline prevents them from feeling pain, or a desire to simply be OK fuels the message to the brain that there is no injury. A few days after their accident, they are hit with the reality that they are injured and need treatment. Quite often, a limited range of motion is one of the obvious signs that things are not right. While a primary care physician can provide medicine to manage pain, and x-rays and MRIs can confirm or dispel injuries, a Charlotte Chiropractor can offer treatment to restore your range of motion. Realigning bones and joints relieves pain and restores range of motion.

Chiropractic Treatment After A Car Accident

Generally, seeking Chiropractic treatment after a car accident or slip and fall injury is a smart idea. The injuries we sustain in an impactful accident are not always obvious to us, and receiving treatment early can make the difference between a full recovery and something less than a full recovery. Most Chiropractic treatment is of a non-invasive nature, and reduces your pain without the need for drugs. In many instances, your Chiropractic treatment can be paid for from your personal injury claim—this is something you can discuss with your Chiropractor at your initial consultation. In addition to a successful treatment plan, your Chiropractor will provide detailed notes and records surrounding your treatment, which will help your personal injury attorney build your case for economic recovery. Quite often, the quality of the Chiropractor’s records and notes makes all the difference for you.

Speak With An Attorney Today

If you’ve been injured in an accident, you deserve to understand your rights. If you’d like to speak with an attorney today, please call 704.749.7747 or click here for a FREE CONSULTATION. We do not have any affiliation with Chiropractor’s offices, but we can certainly recommend one if you do not have a Chiropractor in the Charlotte area with which you are familiar. We know you have choices. We hope you choose to Recover With Us.

Cities across the country, including Charlotte, NC, are struggling with how to deal with the growing use of electric scooters. Quite often, new technology means new laws and new city ordinances. There is much unsettled law around electric scooters at the moment. As the claims for damages increase throughout the state of North Carolina, we will gain a better understanding of where the “rubber meets the road” when it comes to electric scooters.

Scooters Are Treated Like Bicycles

In a recent article published in the Charlotte Observer (Electric Scooters May Be Cool, But…), Charlotte City Council member Tariq Bokhari indicated that for now, scooter users are treated like cyclists. This means that scooters are permitted to be used on the road and on sidewalks. It also means that if the user is over 16 years of age, they can choose not to wear a helmet.

This also means that when it comes to registering scooters, it’s unnecessary. Compare this to golf carts and mopeds, which must be inspected and registered before hitting the roads in Charlotte, NC. Mopeds even require a vehicle inspection and insurance to operate. Scooters do not.

Scooters Are Making Headlines

A recent CNN article Doctor: Do Something About The Dangers of e-Scooters, appeared online. The article gave rise to many questions surrounding the injuries resulting from the use of electric scooters, and indicated emergency rooms are seeing an increase in scooter injuries.

Scooter Related Personal Injury Claims

Electric scooters are giving rise to more accidents on the roadways. This is partly because drivers are not aware that an individual is operating a scooter. Specifically, a scooter operator may look like a pedestrian; however, with the ability to accelerate quickly, the car and electric scooter may collide in a situation where a pedestrian and car would not. For instance, when an electric scooter operator accelerates off of a street corner after waiting for a light to turn or an opportunity to cross the road.

Where the accident is the fault of the vehicle driver, the electric scooter operator will have a personal injury claim against the vehicle driver. However, where the electric scooter operator is to blame, there may not be insurance available. Most insurance companies are taking a hard stance against insuring electric scooter operators. Your vehicle insurance won’t cover your use of an electric scooter. Without the purchase of a policy or coverage specific to electric scooter use, you may not have any insurance available to pay someone you harm.

Looking to the electric scooter company for insurance coverage does not lead to good results. When you pay for and operate an electric scooter, you typically release the scooter company from all harm, and assume the risk of operating the scooter—it’s all in the fine print.

Here’s how many cities have reacted to the use of electric scooters:

Washington, D.C. – Issued a cease and desist letter and told electric scoote companies they are not welcome in the city

Nashville, TN—Seized scooters which were blocking a right of way

San Diego, CA—Ticketed electric scooter operators who were not wearing a helmet

Speak With An Electric Scooter Attorney

Speak With An Attorney

While it’s an odd thing to type, understanding “Scooter Law” is the obligation of personal injury attorneys. If you’ve been injured in a scooter related accident, speak with an attorney by calling 704.749.7747 or clicking here for a FREE CONSULTATION. We’re happy to discuss your claim and help you understand your options.

how does bankruptcy affect you

If you need a basic will or estate plan, we can assist. Our firm routinely handles legal matters for clients which begin with a bankruptcy or a personal injury claim. Often, clients ask us for assistance with a will, power of attorney, or living will. Fortunately, our basic will and estate plan contains a will, healthcare power of attorney, financial power of attorney, and a living will.

Most clients find a basic will and accompanying documents are all they need. If your financial situation warrants advanced estate planning, we will let you know and help you take next steps. Fortunately, in most cases a basic estate plan is all you need, and clients find it quite affordable.

Your Last Will and Testament

Your last will and testament is a document used to convey your wishes as it relates to your real estate and your personal property. Your attorney will discuss with you what you own, and who you would like to inherit what you own, upon your death. Your will attempts to carry out those wishes.

Guardianship of Minor Children

If you have minor children, your will has language which indicates who you would like to serve as a Guardian. You get an opportunity to also name an alternate, in the event the first person or couple is unavailable to serve as Guardian.

Naming An Executor

Your will also gives you a chance to name an Executor, or someone who is appointed to carry out your financial affairs after your death. You can name numerous individuals for this role, in the event the originally named individual is unavailable or unwilling to serve in that role.

Healthcare Power of Attorney

Your healthcare power of attorney names an individual you authorize to assist doctors in making healthcare decisions on your behalf, in the event you are not able to make those decisions yourself. This individual will also be able to sign paperwork and handle facilitating healthcare decisions from an administrative or practical perspective.

Financial Power of Attorney

Much like a healthcare power of attorney, the financial power of attorney names individuals to make financial decisions for you if you are unable to make them yourself. This includes doing your banking, depositing checks, and sometimes even selling real estate. Your financial power of attorney is effective upon signing, and continues until your death, until you revoke it, or until a specific time named in the document.

Living Will

A living will is a document which gives you an opportunity to tell doctors in advance, what procedures you do and do not want performed on you, in different health conditions. For example, if your condition is determined to be fatal, you can direct doctors not to subject you to artificial nutrition and hydration (“Tube feeding”) or not to use “Extraordinary Means” to keep you alive. This advanced directive is a way for your voice to be part of the conversation when your health won’t allow you to.

Speak With An Attorney

If you’d like to speak with an attorney about a basic will package or an estate plan, please call us at 704.749.7747 or click for a FREE CONSULTATION and we will call or email you. Estate planning should be affordable, and we strive to contribute to meet that goal.

Drunk Driving Accidents

Drunk driving accidents are the cause of completely unnecessary injuries in North Carolina every year. Our firm takes a strong stance when it comes to drunk driving and the injuries caused by it. We’re eager to hear about your case and help you decide whether to pursue legal action against any drunk driver who hit you. Trying to decide? Read our reviews.

Punitive Damages In Drunk Driving Accidents

If you were injured by a drunk driver in North Carolina, your case may be one which entitles you to punitive damages. Punitive damages are distinguishable from compensatory damages in that their intent is to deter the driver and other drivers from the same behavior in the future. Put simply, this means your case or claim will be worth more than a claim based solely on compensatory damages. Compensatory damages will assist with medical bills, lost wages and pain and suffering.

Repeat Drunk Drivers

Many people injured in drunk driving accidents find the person who hit them either carries the NC minimum state limits for insurance coverage, or has no insurance at all. In that case, obtaining any compensation for your injuries will be made more difficult. Your case may become an Under insured or Uninsured motorist claim. If so, you will certainly need the assistance of a Charlotte personal injury lawyer to make sure you’re accessing every insurance policy available. Often, insurance coverage for family members living in the same household comes into play, and your lawyer will uncover and pursue those policies.

Under insured Motorist Claims

North Carolina state law requires drivers have $30,000 for bodily injury coverage ($60,000 for total bodily injury to cover all individuals in an accident). Additionally, there is a requirement for $25,000 for property damage liability as well as uninsured motorist coverage. A driver is defined as under insured if the driver’s liability limits are less than YOUR under insured motorist limits, and also less than the amount required to cover the losses of the people to whom the under insured driver caused injury. In other words, once you exhaust the at-fault driver’s insurance cap, you can then proceed with an under insured motorist claim against your own policy. You do so by accessing the under insured motorist coverage you held at the time of the accident.

Punitive Damages And Uninsured Motorist Coverage

In drunk driving accidents, punitive damages are generally not allowed to be pursued against uninsured motorist coverage. The theory is that there is no deterrent if the insurance company paying the punitive damages was not associated with the at-fault driver. Your personal injury attorney can explain this more clearly in a full discussion about insurance coverage.

Speak With A Personal Injury Lawyer Today

If you’ve been in a drunk driving accident, you should speak with a personal injury lawyer today. The call is free and you deserve to know your rights. Phone consultations and in-person consultations are free. You can reach us at 704.749.7747 or click HERE to request a call. You’ll receive a call from a knowledgeable attorney who can help you sort through your options. We know you have choices. We hope you choose to Recover With Us.

Car accidents in North Carolina most often result in injuries of some sort. When it comes to highway accidents, the chance of severe injury increases dramatically. Quite often, highway accidents involve commercial vehicles and the insurance companies that represent them. Injured parties find insurance companies are eager to settle in those situations, but generally this is a bad idea. Understanding your rights and making sure you’re represented by legal counsel in situations with severe injuries is of utmost importance.

Types Of Highway Accidents

Due to the high rate of speed, congestion and the potential for distraction, highways produce a wide range of accidents. A few common types of car accidents include:

Depending upon the conditions surrounding the accident, the injuries can range from minor injuries to fatality. Below is a list of common injuries we seek compensation for in our daily personal injury practice:

Settling A North Carolina Car Accident Claim

While most claims settle without the need to file a lawsuit, this is not an indication that you don’t need an attorney representing you. In fact, the threat of a lawsuit is often a critical component to reaching a fair settlement between the injured party and the insurance company. North Carolina claims have a few inherent challenges not faced by injured parties in other states.

First, we live in a conservative state. This means that juries generally return conservative verdicts for Plaintiffs, and are much less likely to try to ‘punish’ a defendant by awarding higher verdicts. States like Florida, for instance, are notorious for the opposite behavior of juries. Legal counsel for the defendant will use this information to argue a lower value for your personal injury claim. While historical data may support this contention in general, your personal injury lawyer will argue the specific facts of your case to distinguish it from other cases.

Second, North Carolina is a Contributory Negligence state. If you’ve read a few articles on our website you know what that means. If you haven’t, the rule is quite simple: if a jury finds that an injured party contributed 1% or more to the injury, the jury is instructed to give the injured party nothing. This differs from all but one other state, in that other states will instruct juries to simply reduce the verdict by the percentage of fault they attribute to the injured party. This again is used by defense counsel to lower the value of your case by threatening that a jury could easily find you contributed 1% to the injury and award you nothing. Personal injury lawyers are accustomed to these assertions, and your lawyer will demonstrate to defense counsel the reasons why the assertion is incorrect or not to be relied upon. Often this brings the party back to the negotiation table.

The High Stakes Of Highway Injuries

Whether you hire our firm or another personal injury firm, we strongly recommend you work with a personal injury attorney to help you navigate personal injury claims arising from highway accidents. We understand individuals are nervous that the attorney fee is taking money out of their pocket. We have found that in more instances than not, this is not the case. Your personal injury lawyer will work to maximize the settlement offer, and can often negotiate your medical billing for you as well. These combined advantages typically more than make up for the personal injury lawyer’s fee. In addition, this means someone else is working your case for you, communicating with the adjuster, and assuring that you’re not compromising by accidentally signing documentation waiving your rights.

Speak With A Personal Injury Lawyer Today

Personal injury law firms offer free consultations. It’s part of the job. There’s no pressure to move forward, and you deserve to understand your options. If you’d like to speak with a lawyer today, call 704.749.7747 or click HERE to request a call from us. You’ll be contacted directly by the attorney, and you’ll get a chance to get your questions answered. We know you have options. We hope you choose to Recover With Us.

Soft Tissue Injury Settlements

In the world of Personal Injury, most accidents result in soft tissue injuries. Among Charlotte personal injury lawyers, these are commonly referred to as MIST (Minor Injury Soft Tissue) cases. The truth is, a soft tissue injury can result in a great deal of pain and suffering, combined with months of rehabilitation. Furthermore, lingering pain is often a part of life for victims of soft tissue injuries. So, how are these injuries compensated for in the personal injury setting?

Working Without A Personal Injury Attorney

While there are variations, if you choose to work without a personal injury attorney on a soft tissue injury settlement, you will probably be offered your medical bills plus roughly $750.00 for pain and suffering. Each case is unique of course. However, insurance companies often group soft tissue injuries together. We receive calls in our office every day from individuals who have tried to settle without a lawyer and this is typically what they are being offered.

Calculating The Value Of The Injury

Any personal injury calculator you find online is doomed to reduce your unique situation to a logarithm or a generic calculation. We have found that the value of each claim depends on the specifics of the injury, the facts leading up to the injury, and the individual involved. Here are a few examples, which we believe shed light on the difference between numerous soft tissue injury settlements:

Example 1: The Pregnant Passenger–This individual suffers a soft tissue injury as a result of being a passenger in a vehicle. She is pregnant at the time and as a result can’t take pain medication to alleviate the pain from the accident. Physical therapy is taxing on her because she is pregnant. She has no lost wages because she was a stay at home mom; however, she was unable to perform her household duties during recovery.

Example 2: The High School Driver–This individual suffers a soft tissue injury as a result of a car accident which was not his fault. He successfully completes physical therapy and chiropractic treatment; however, he misses his senior year of track and field. He was expected to set a school and county record in the 1600m that year, but because of the accident never got a chance to do so. He has some lost wages from a part-time job he worked to help his family, and because of his inability to contribute the family was evicted from their apartment.

Example 3: The Autistic Child–This child suffers a soft tissue injury as a passenger in a car accident. In addition to the treatment the other two individuals above needed, she continues to suffer PTSD from the accident. Her therapist does not know how much more treatment she will need. The child’s mother indicates even months after the accident the child still suffers routine nightmares from re-living the accident in her mind.

Convincing An Insurance Adjuster Of Value

Your personal injury lawyer’s goal is to get you a fair settlement. While there are numerous ways to define this, quite often the lawyer will strive to obtain the highest offer and help you decide whether to accept that offer. The following factors are typically relevant to the insurance adjuster when deciding the value of your claim:

Appropriate Treatment For The Injury–Adjusters will refuse to give ‘value’ when they perceive the client has over-treated for the injury in an attempt to create a more valuable claim.

What Would A Jury Do—While neither the adjuster or the personal injury lawyer truly know how a jury would value the case, they can make their best guess. If the plaintiff is a likeable and sympathetic individual, it helps. If there is an argument that the injured party contributed in some way to the accident, it hurts. Insurance adjusters will adjust their offer up or down depending upon their perception of how the case would ‘appear’ to a jury.

Causation—Quite often insurance adjusters raise the issue of Causation in evaluating a claim. If the car accident occurs on July 1st and you don’t receive treatment until September 15th, you can expect some push-back from the adjuster. They may even ask if perhaps another injury occurred between July 1st and September 15th. Additionally, minor accidents typically don’t give rise to major injuries. There are exceptions, but adjusters are always looking for a way to discount the injury.

Special Damages—As outlined in the examples above, sometimes there are special damages which change the value of the claim. Lost wages, missed social occasions (Weddings, Graduations, etc.) all contribute to the value of the claim. These are also appealing to a jury as they humanize your client and remind them the accident had ramifications beyond the medical records.

Speak With A Personal Injury Lawyer

Speaking with a personal injury lawyer is easy. We are accustomed to listening to your story, asking a few questions, and helping you understand your options. Phone consultations are free and you should take advantage of the opportunity to speak with a lawyer. You can call us at 704.749.7747 or click HERE to request a call from us. We know you have options. We hope you choose to Recover With Us.

We have settled several personal injury claims involving fractured or broken legs. Some of these claims involved slip and fall injuries, and others involve car accidents. Depending upon the facts surrounding an injury, you can achieve dramatically different results. This is why working with a Charlotte personal injury lawyer is an important part of your case.

How Do You Break Your Leg In A Car Accident

It may seem odd to break your leg or ankle in a car accident. First, you generally place your foot on the brake at the time of impact. This is simply instinct. Second, your leg tends to be in a locked position when engaged with the brake. Finally, due to the impact of the car accident, many victims find all their weights comes to bear on the leg engaged with the brake pedal. The force pushing through the leg causes the break or fracture.

What Types Of Breaks Occur In A Car Accident

You may fracture or break your tibia or fibula in a car accident. These are the bones in the lower leg. You might also suffer a torn meniscus or ACL injury, though these are more common in slip and fall injuries. A broken thigh bone or femur is another common injury due to impact from car accidents.

The Value Of Your Broken Bone Claim

As mentioned before, depending upon the facts surrounding your injury, the value of your claim may differ. If the insurance company defending the other driver believes the accident was partly your fault, they may argue for less than 100% value to be paid to you as part of a personal injury settlement. This happens more commonly when the impact is not due to rear-end impact. Additionally, if you suffer a broken bone in a slip and fall injury, you will find the first line of defense from the adjuster will be Contributory Negligence. Essentially, they will argue you weren’t watching where you were going, or were wearing the wrong type of shoes. Their offer to settle will be reduced, based on these facts.

If your injury gives rise to lost wages or special damages, the value of your claim will also be affected. Your personal injury lawyer can help you verify lost wages and defend your right to be compensated for lost wages. If you are self-employed, you’ll find unique challenges when presenting lost wages to insurance adjusters.

The Importance Of Working With A Lawyer

Not every personal injury claim requires the help of a personal injury lawyer. There are times when using a personal injury lawyer might out-weigh the benefits. In our experience, we are happy to give you advice on how to settle those claims on your own. However, the vast majority of clients find they get better results with the help of a personal injury lawyer. There’s no cost to hire our firm, and we don’t get paid unless you get paid.

Talk To A Charlotte Personal Injury Lawyer Today

Call 704.749.7747 today to speak with a Charlotte personal injury lawyer. Or, click HERE to request a call from us. Phone consultations are free. We know you have choices, and we hope you choose to Recover With Us.