Settling Your Injury Worries to Bring You Peace of Mind
It’s an unfortunate dilemma that many people allow insurance companies to take advantage of them, merely because they don’t know any better. They have dozens of questions, but no one to give them a straight answer. Fortunately, you have us. Come see how our experience and knowledge can answer your questions and keep you from settling for less than your case is worth.
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If I declare bankruptcy, will all of my debts be taken care of?
The choice to declare bankruptcy should not be made lightly. It is a huge decision which can have consequences that stick with you for years to come. However, in dire circumstances, when you’re drowning in debt with no sign of rescue, it may be your only hope—after all, no one can tread water indefinitely.
Bankruptcy isn’t a way to cheat the system. It’s a release valve for people with serious problems who need emergency help. Bankruptcy tries to guarantee that unmanageable debt won’t destroy your life and won’t disadvantage your children. When you’re so far in debt that getting current on your bills seems impossible, then you should consider starting over by filing.
Declaring bankruptcy can help discharge your debts, or at least reorganize them so that you can feasibly control them and pay them off. However, it doesn’t cover every single debt you may have. So, before you make the decision to pursue a bankruptcy, make sure that the stress and cost of filing will be worth it.
Bankruptcy Debt Exceptions
According to federal law, there are a few financial obligations that do not qualify for consolidation or discharge consideration. These obligations include:
Court-Ordered Financial Responsibilities
- Alimony and marital support. Just because you choose to file for bankruptcy doesn’t mean ongoing spousal payments are forgiven or stopped.
- Child support. Filing for bankruptcy will help forgive your debts, but not the responsibility you owe your children.
- Debts from personal injury while driving intoxicated. Court-ordered penalties are not subject for forgiveness through bankruptcy.
- Court-ordered fines or penalties for willful and malicious injuries caused to persons or property. Again, court-ordered penalties will not be forgiven by declaring bankruptcy.
- Post-filing debts. Debts that accrue after you file will not be discharged. Some debts that you acquired up to six months before filing may not be subject to discharge, depending on the circumstances. For instance, if it’s found that you accrued excessive debt because you planned on filing, those debts may not be included.
- Illegal or suspicious debts
- Loans obtained fraudulently
- Non-contractual debts
Government Mandated, Tax, and Miscellaneous Debts
- Some school loans. Some educational loans can be included in bankruptcy debts, but there are many exceptions, including most private student loans or any loan that is “funded in whole or in part by a governmental unit or nonprofit institution.”
- Tax liens. If the IRS puts a lien on your property before you declare bankruptcy, then that lien will remain no matter what.
- Attorney fees. No matter whether the debt was accumulated before, during, or after filing, attorney fees cannot be discharged.
Although bankruptcy law prohibits certain debts from being discharged, if you’re struggling with obscene amounts of credit card debt, domestic bills, and tax obligations, declaring bankruptcy may be the right choice for you and your family. Need more information about your bankruptcy options? Feel free to browse our site, or call us directly at 888-244-5957 for additional advice, guidance, and support.
If my friend has been in a motorcycle accident, what can I do to help care for his road rash?
There are two types of people in this world—those who live to ride motorcycles and those who think motorcycles are too dangerous to get near. With over eight million registered motorcyclists in the United States—a million of them riders in Arizona and California—even if you’re one of the latter group, it’s a fair bet that you probably know someone who rides. However, since accidents can occur anywhere and at any time, injury safety is an important skill to have—no matter which type of person you are.
Motorcycle accident injuries are generally severe and can range from cuts and bruises to excruciating road rash and severe internal injuries. Although every injury should be thoroughly assessed by a medical professional, external injuries can be cared for on site to prevent further pain and infection. Therefore, if you witness an accident and choose to help the victim, you could wind up saving him from a lifetime of pain and agony.
Road rash is one of the most common external injuries that you can help assist with without causing further damage.
Helping to Take the Sting Out of Road Rash
Nearly 100,000 motorcyclists are injured every year due to collision accidents, according to data taken from the National Highway and Traffic Safety Administration. The majority of these injuries are either cases of road rash or involve road rash injuries; it is extremely difficult to sustain motorcycle injuries without suffering some type of road rash.
Although road rash can be unpleasant—even harrowing—to view, if you can find the courage to help stabilize the wounds until medical help arrives, you can potentially save the victim’s life, decrease the chance of infection, and prevent long-lasting pain and potential disfiguring scars.
In the event of severe road rash:
- Call an ambulance. Even minor cases of road rash can quickly become debilitating. Even if the victim seems okay, emergency personnel should still examine the wounds.
- Assess the damage. Check to see how deep the wounds are and how much skin, muscle tissue, or bone is exposed.
For Minor Cases
- Clean it. Try to clean the area the best you can with warm water. Bits of gravel and debris may become lodged in the wound and can quickly cause infections. Try to get as much out of the wound as possible.
- Stop infections. Apply antibiotic ointment (if you have it) and a loose bandage to cover area and prevent further debris from making its way into the area.
- Wait with the victim until emergency personnel arrive.
For Severe Cases
- Stop bleeding. If the wounds are bleeding excessively, apply pressure to the areas to slow down blood loss.
- Assess other possible injuries. Is the bike injured anywhere else? Without moving him too much, check to see if there are any other noticeable injuries, especially around the head, neck, or spine.
- Clean the wound. If the bleeding stops before the ambulance arrives, try to clean the wound as best you can by removing any debris. Try not to touch the open wounds as your hands aren’t sterile. Avoid wrapping the wound until the ambulance arrives—just keep it clean and elevated to prevent blood loss and infection.
Remember, road rash can be extremely painful and can lead to a host of complications. Whether you’re the one who suffers and needs the help of a bystander or you are the bystander, being able to rely on this care knowledge can be a blessing for all those involved.
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How can I avoid a trailer accident? What should I do if a trailer ahead of me comes loose?
Have you ever noticed how semi-trucks without trailers don’t seem as scary? Or how pickup trucks with attached trailers do? Although you may not personally make the correlation, the reason why some people have issues with trailers is because they’re flat-out scary.
They’re scary because they are dangerous.
Since trailers are attached to trucks (and vehicles) by a hitch, they aren’t as stable as if they were attached directly to the vehicle. The hitch means the truck-and-trailer are not a single unit but more of a connected pairing, rather like a joint. For example, look at your forearm and wrist. When you move your arm, your forearm stays straight and moves only along one plane, and when you stop, it stops. However, since your wrist is connected by a joint, it flops around and can move side-to-side, up and down, and out of synchronization with the forearm.
The same thing can happen to a trailer: it may move independently from the rest of the truck. The hitch—much like a wrist joint—allows free range of motion but is a point of weakness. As a result of this weakness, when trailers hit bumps or start to swerve out of control, they can detach or crash straight into another vehicle, causing serious damage.
Now that you know the risk, do you think that it should be a priority to know what to do if you’re stuck behind a troubled trailer?
Safety Guidelines to Protect Against a Trailer Collision
When a trailer gets out of control and has no way of stopping, it will crash into anything that gets in its way—including you, your car, and your family. Considering how heavy trailers can get (even unloaded pickup trailers can weigh more than 500 pounds), a collision could potentially be deadly.
Thankfully, you can protect yourself and your family from such a collision by following these simple driving guidelines and emergency maneuvers when near a semi- or pickup truck trailer:
- Keep your distance. Keep a minimum of two car lengths between your front bumper and the back of a trailer—the more space, the better. This space will not only give you room to maneuver if the trailer detaches, but it also gives the truck driver a clearer view of your vehicle to avoid sudden stops.
- Give the truck room to turn. Allow a truck a lot of room while turning. This will prevent you from getting caught in the driver’s blind spot, as well as keep you out of the way of a swinging or swaying trailer.
- Pay attention. Stay constantly alert for signs that the trailer may be in trouble or out of control. Swaying, jerking, shaking, or jumping can be a sign that the hitch isn’t secured properly.
- Move out of the way. If you notice signs of distress from the trailer, increase your distance and get out of its path. Get into another lane, move off to the side, or take a different road. Although changing your course may be inconvenient, it could save your life.
- Steer, don’t brake. If a trailer detaches from a truck, it still has built-up momentum and speed. It won’t stop immediately, just as you won’t stop immediately when you apply your brakes. Therefore, to avoid colliding straight into a loose trailer, try to steer away from it, either off the road or into the next lane (if that lane is clear). This will not only help you avoid the trailer, but it will also prevent braking injuries and rear-end collisions from the people behind you—collisions that could possibly push you into the trailer anyway.
Need more information about truck and trailer accidents, injuries, and claim options? Feel free to browse our site, or call us directly at 888-244-5957 for additional advice, guidance, and support.
If I sustain an injury after a slip and fall, what should I do?
A slip and fall accident can cause a wide variety of injuries, ranging from minor bumps and bruises to catastrophic (and costly) injuries such as brain damage and spine trauma. However, no matter how severe the injury is at the time of the incident, improper care and poor planning can matters significantly worse and wind up costing you more than a little embarrassment.
This is why it’s extremely important to understand what you should and should not do after a slip and fall accident to protect yourself against further injury—not to mention secure your potential liability claim.
What Not to Do and What Not to Ignore After Your Slip and Fall Injury
Improper care and ignorance of what you should do can not only make your injury worse, but it can also invalidate your rights as a victim. This is why it’s extremely important to know how to handle yourself both physically and professionally after an accident.
Key Mistakes to Avoid
- Don’t misjudge your injury. Sometimes a severe injury can easily be mistaken as an inconsequential nuisance. A severe head injury can be disguised as a mere headache. A broken bone can feel like a simple sprain. This is why no matter how insignificant you may think an injury is, it’s important to get proper medical attention. Not only will this be beneficial for your health, but documentation can be used as evidence in your case.
- Refrain from putting heat on a recently sprained or bruised injury. Bruises are extremely common after a slip and fall due to impact force. They result when blood vessels break, causing blood to pool into the tissue under the skin. This pooling causes discoloration, swelling, and pain. However, heat can make these bruises worse. Even though it may feel comforting, heat can actually thin out your blood and cause the broken blood vessels to bleed more, longer, and faster. As a result, a minor bruise can become large and extremely sensitive
The Actions You Must Take
- Fill out an incident report. If your fall occurred inside a building, store, or on private property, you need to fill out an incident report. It doesn’t matter if you think the accident was insignificant. Injuries and damages can worsen after the fact; you never know the extent of your injuries until you’ve been properly assessed. If the person liable for the accident space refuses to give you paperwork, a police officer should be notified. These reports can not only be used to evaluate safety conditions, but also as evidence for your injury claim.
- Contact an experienced attorney. Insurance companies are ruthless when it comes to slip and fall settlements. However, if you have an experienced lawyer on your side helping you build, secure, and file your claim, insurance companies are stopped in their tracks. Don’t allow yourself to be taken advantage of! Make sure you get the compensation and treatment you deserve for your recovery with the help of a good liability lawyer.
Remember always to protect your health by discussing your injury care with your doctor, even if you think your injury may be minor. It is also beneficial to protect your future by discussing and planning your claim with us before you file an accidental injury claim.
Need more information about slip and fall accidents, injuries, and claim options? Feel free to browse our site, or call us directly at (888) 244-5957 for additional advice, guidance, and support.
We’re here when you’re down—let us extend a helping hand.
Should I be worried about long-term effects of a recent car accident?
When you suffer painful injuries as a result of a car accident, although you may worry about your future, the main thing you need to focus on is your present rehabilitation. If you’re lucky, a few weeks of physical therapy can quickly put you back on the road to recovery. However, some injuries can require lengthy surgeries and months—even years—of treatment to heal, and even then the risk of permanent effects could wind up causing a lifetime of pain.
Although you may be in the beginning stages of recovery, should you be worrying about and preparing for potential long-term injury effects?
The Future Effects of Car Accident Injuries
According to research performed by scientists at Oxford University, car accident injuries can have many long-term physical and psychological effects on their victims well after their recovery, and even months or years after the initial injury. These long-term complications include:
- Cognitive changes and degeneration following a head injury. The brain is an extremely complex organ where small changes or injuries can cause changes in function. For example, the development of scar tissue can put pressure on nearby parts of the brain, causing communication and functional issues. In addition, the brain already starts to lose its adaptability as you get older, causing memory loss and cognitive strain. However, if your brain is already damaged, memory loss and cognitive function can begin earlier or worsen.
- Increased risk for Alzheimer’s Disease. Although research isn’t complete, the Mayo Clinic suggests that if you suffer a brain injury that causes you to be unconscious for more than 24 hours or causes you to have episodes of memory loss, your risk for dementia and other degenerative brain diseases could increase as you get older.
- Bone spurs. When a bone breaks, it can chip and leave behind pieces of bone fragments in your muscles and tissues. These fragments can go unnoticed for years until they calcify and grow. Once they grow, they can press on blood vessels, push on muscles and tissues, and cause severe pain.
- Loss of strength. Although broken bones heal, they’ll never be as strong as they once were.
- Early-onset arthritis. When a broken bone becomes weaker than other bones, you may wind up adjusting your gait—the way you walk and the way you hold yourself. This adjustment can put extra pressure and work on other joints. Although this may go unnoticed, the added strain can increase your joints’ risk of arthritis down the road.
- Increased anxiety. Any type of tragedy or stressful event can cause varying degrees of psychological trauma, from anxiety to PTSD. In some cases, these psychological complications can remain dormant or blocked until something triggers memories and brings them to the forefront of the mind. Triggers might include a loved one suffering a similar accident, a photo of the wreckage, sudden pain in the injury site, etc.
- Increased risk of depression. Dealing with the long-term physical effects of an injury can be hard to take, especially when you had to go through a lot during recovery. This pain and stress can lead to depression and a feeling of hopelessness.
These are only a few of the potential long-term accident complications you may face. This is why it is important not only to discuss your future with your doctor, but also make sure you understand and plan for these risks when pursuing an accident injury claim.