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Recent Blog Posts
How Injury Cases are Valued
Most people have heard about accident victims who recover large sums of money for their injuries. If you are hurt in an accident, one of the key things you will want to know is how much you may recover.
Estimating a victim's potential recovery requires evaluating the factors that courts consider when awarding money for an injury. These include:
- the type of injury
- the duration and severity of pain
- whether damage is permanent
- the cost of medical treatment
- the victim's lost income
- the victim's emotional suffering
These factors help in estimating how much an accident victim may recover. By looking at settlements and jury awards in the community for similar injuries, a lawyer can estimate the amount that might be recovered in another case.
Lost income is a key factor in estimating accident recoveries. A victim can recover income lost due to missed work because of the injury.
Most accident victims want to know immediately how much they might recover. But an early estimate is sometimes hard to make because many injuries take time to appear. Because the full extent of many injuries is not known for some time, if you are in an accident, do not accept a settlement offer or sign a release before consulting your attorney. There are many cases of accident victims who quickly signed away their rights, only to discover later that their injuries were far worse than they originally thought.
Why Recoveries Differ
Many people ask why two people with similar injuries receive very different amounts of money. One reason is that because so many factors go into valuing an injury, a variation in one factor can cause a big change in the outcome. For example, if two accident victims earn very different amounts of money, their recoveries will not be the same.
Another reason for different size recoveries is different communities. In some areas, juries are more conservative than others, and awards reflect this. Thus, two people can suffer similar injuries, and because they live in different areas, receive different awards.
Valuing an injury can be hard. But with an attorney's help and by evaluating factors like those discussed here, accident victims can usually make a better estimate of their potential recovery.
Get a Lawyer's Help When Dealing with Insurance Companies
People who have been in an accident face many worries. They have to worry about their pain, medical bills and possibly missing work. Another distraction they face are efforts by the other side or an insurance company to get them to sign papers settling their claim. As a recent case shows, accident victims should consult their lawyer before signing anything.
Martha T., an elderly woman, was in a car accident. Shortly after she left the hospital - and while she was still on medication and was very weak - an insurance adjuster for the other driver contacted her. The adjuster gave Martha a check for a small amount of money. Martha claimed the adjuster told her this was just a part payment for her medical bills and that she'd receive more money later. But the adjuster had Martha sign a document to "release all claims" against the other driver.
Martha later had more medical bills. She asked for more money, but the insurance company refused, saying she had signed the release. Martha sued, claiming she was mislead into signing.
A court ruled that if the insurance company used fraud to get Martha's release, then it was void. The court said a jury should decide if fraud was used, and the jury could consider that the insurance adjuster knew Martha was very weak when she signed the release, and that he covered up the document (except for the signature line) to get Martha to sign it.
This case is a reminder that if you are in an accident, do not sign anything without first consulting your lawyer. Getting legal help before signing anything or talking to the other side or an insurance company is much easier than going to court later to try to undo a bad settlement.
Estate Planning Question
Q. I am not very wealthy. Why do I need estate planning?
A. Estate planning is for everyone. Your estate plan may cover a lot of issues other than just money. If you want to designate the guardian of your children, you need an estate plan. Even if your savings or wealth are modest, an estate plan lets you decide who will receive your property when you die. For many people, their estate plan also addresses matters like old age, disability and illness.
Enforcing Child Support Payments
For many divorced parents, collecting unpaid child support is a problem. There are several steps that can be taken to collect unpaid child support, including intercepting the delinquent parent's tax refunds, attaching his or her wages, and seizing his or her bank account or other property.
A parent who owes child support usually will not be allowed by a court to get out of paying overdue amounts. However, he or she can ask a court to lower future payments.
Collecting unpaid child support can be difficult. Legal help can be obtained to use one of the above options for enforcing a child support payment or to learn about other options.
Enforce Your Rights If An Accident Occurs
If you've been in a car, slip and fall or other accident, your first thought may be to forget about it - especially if the accident was minor. But there are important reasons why you should seriously consider making a claim if an accident occurs.
One obvious reason is to recover money you are entitled to receive for your injuries and losses. If you don't make a claim, you'll have to pay for these yourself. You may think you were not badly hurt or that your injuries are minor. But remember that some injuries take a long time to develop. Making a claim will protect you in case the physical symptoms of your injuries show up later.
Another reason why it's important to make a claim after an accident is that it helps prevent injuries to other people. Making a claim sends a strong message to business owners and others that steps must be taken to fix dangers and protect consumers.
The first step in making a claim is seeking legal help. Your lawyer will tell you if your case is strong and advise you how much money you may be entitled to recover. Once you know this information, it is much easier for you to decide whether to make a claim.
Do You Have A Case?
If you've been in a car, slip and fall or other accident and want to make a claim, probably the first question you will have is "Do I have a good case?" There are several factors to consider when answering this question. They include:
- Is the other person at fault? If the accident was caused by someone's negligent or intentional act, you can make a claim. But don't give up making a claim just because you were partly at fault for the accident. In most states, accident victims can recover money even if they were partly to blame for an accident.
- How badly were you hurt? To get money for your accident, you must have "damages." Damages include many things, like money you lost from missing work, medical bills, and your pain and suffering. Even if right after the accident you did not feel badly hurt or think you did not suffer "damages," you still may have a good case. That's because some injuries take time to develop. Since all your injuries may not be known for a long time, consult a lawyer after your accident, even if your injuries seem small. Your lawyer will protect your rights if they get worse.
Changing Your Name
Some people change their name to make it easier to spell or pronounce. Other people change their name because of marriage, divorce or family problems
People can use any name they want, as long as they do not choose it for a fraudulent purpose (such as to defraud creditors) and it does not invade someone else's privacy. Also, people cannot use a number as their name. One man tried to change his name to the roman numeral "III" (pronounced "three"). Before that, a man tried to change his name to "1069." Both name change requests were denied. The courts are unanimous that a number is not a name.
How to Change a Name
Most states allow a simple method for changing a name. A person can just start regularly using the new name and change his or her driver's license, social security card and other documents. All states also have a formal court procedure that can be used for a name change.
Government agencies, banks and other businesses sometimes will not issue documents unless they have certification that the new name really belongs to the applicant. Thus, changing a name is often simplified by using the formal court procedure, even in states that do not require it. The formal procedure consists mainly of publishing the proposed new name in a local newspaper and then getting a court order certifying the name change. A copy of the court's order can be used to show anyone that the new name is official.
Changing Your Name After Marriage or Divorce
In our society, women have often adopted the last name of their husband. But no law requires this, and the custom is changing. Many married women now keep their maiden name. In some marriages, both partners use a combination of their last names. For example, when Susan Smith and John Jones marry, they may use the name Susan and John Smith-Jones. No law prohibits this practice.
Many women who changed their name when they were married often want to go back to their maiden name if they divorce. There are several ways to do this, including going through the formal name change process discussed above or simply resuming use of the prior name and changing driver's licenses and other documents accordingly.
Buying or Selling a Home: The Closing
The "closing" of the purchase of a home is when the parties formally complete the sale. At the closing, the documents are reviewed one final time to make sure all terms and conditions have been met. Also, the balance of the purchase price is paid to the seller, the seller delivers a deed giving title to the buyer, and the buyer receives the keys to the property.
Financial aspects of a closing involve adjustments to determine just how much the buyer must pay. The seller gets credit for items it has prepaid but that benefit the buyer (such as taxes), and the buyer gets credit for items the seller owes but has not paid.
The image of a typical closing is of people signing many documents without reading them. Unfortunately, this is often the case. However, signing these documents without reading and understanding them can cause problems later, especially if they were prepared by the other side. It is better to get legal help well before the closing, when your lawyer can review the offer, purchase agreement, and other documents, and can add or correct terms to help protect your interests.
Buying A Home How To Protect Yourself
Buying a home is likely the biggest and most complex transaction you'll ever make. Though most home sales work out well, some do not and result in costly disputes. There are easy ways, however, to reduce the chance of problems. Here are tips.
- The Contract. When you find the home you want, you will submit a written offer. If accepted, it becomes the contract. Although the offer will likely be on a pre-printed form with much small type, it's vital for you to read and understand it before signing, as it covers all aspects of the purchase, including the sale price, deposit amount, inspection and repair requirements, and how disputes are resolved.
Even though the offer is on a pre-printed form, remember that all terms are still negotiable. Thus, it's a good idea to have your lawyer review the document before you sign it. Your lawyer can make sure there are provisions to protect you, including: - A mortgage contingency clause. This gives you the right to cancel the deal if you are unable to get a loan.
Benefits of Preparing A Will
Most people know that a will lets them determine who will receive their property when they die. Despite this significant benefit, relatively few people have wills.
If you die without a will, your property will be distributed according to state law. It may not be distributed the way you want, since it is distributed without considering the needs or circumstances of recipients.
A will can do more than just determine how property is distributed upon death. It can name an executor. The executor will oversee your estate's financial affairs during "probate," including making sure your debts are paid and that your property is distributed as stated in your will. Without a will, a judge chooses your executor.
A will can also set up a trust, which can help save taxes. Thus, for people with substantial assets (like a home), a will can be a cost-saving tool.
For married couples with young children, wills are essential. Each spouse should have a will in order to select a guardian for the children in case both parents die. The guardian will raise the children and manage their money. Without a will, the critical decision of who will be your children's guardian will be left to a judge.
Updating Your Will
It is a good idea to review your will with your lawyer every two to three years to make sure that it is up-to-date with your current family circumstances and tax laws. In addition, it is especially important to review and update your will when:
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