Category: Legal

Car Wreck, No Injury: Should I Contact an Attorney?

a theme of driving and the law

If you have been in a car accident and were not hurt in the crash, should you call an attorney? The answer to that question depends on the specific circumstances surrounding the accident. In some cases, an injury that isn’t apparent immediately after you are hit may present itself several weeks or months after it happens.

Does the Other Driver Have Insurance?

Depending on where the accident occurred, the other driver may be required to pay for any damage done to your car. If he or she doesn’t have insurance or doesn’t have enough insurance, it could mean that the driver has to pay for the damage out of his or her own pocket. In such a scenario, you would still want to hire an attorney to make sure that you got what you are owed to pay for repairs to your vehicle or to buy a new car if your old one was totaled.

Did You Miss Work Because of the Accident?

You may be entitled to lost wages if you were forced to miss work because of the accident or any reason. For instance, if not having a car prevented you from going to the office or forced you to miss a meeting with a client, the driver who caused that accident may be required to compensate you for that. While the other driver may do so willingly, an attorney will ensure that you get the compensation that you deserve if the other driver is not willing to negotiate.

Seeing an Attorney Preserves Your Rights

An attorney may be able to help you make sure that you preserve your rights even if you don’t think that you were hurt in an accident. You may be advised to see a doctor or take other steps that would help prove that any future injuries were caused by the accident. Having legal counsel may also make it easier to deal with any settlement offers by the other driver’s insurance company that may try be worth less than what you are actually entitled to.

After a car accident, you should never assume that you are not injured or that seeing an attorney is a waste of time. If you develop shoulder pain or notice a bone was broken several days later, you may have a harder time proving that the injury occurred in the accident. Therefore, do your due diligence and seek the advice of an attorney who may review your case and provide as much assistance as possible.

Leave the Past Behind: Focusing on a Financial Future

financialfuture

Is there a purchase you’ve made that leaves you cringing when you think about it today? Was there a debt you took on that nearly crippled your finances? Perhaps there was a relationship that suffered due to financial stress.

First of all, you are not alone. Every person you see today has made a poor decision with his or her money – multiple times. Millions are battling debt fatigue or have already declared bankruptcy. Money fights have become the leading predictor of divorce,according to Kansas State University researching, Sonya Britt.

Perhaps you have experienced one or more of those things. They are difficult roads to travel, perhaps some of the most challenging of your life. Before you throw in the towel and say things will never improve, read these four steps to help you leave the past behind and reboot your plans for your financial future.

1. Reboot your financial goals. You’ve tried budget after budget and spreadsheet after spreadsheet. Still, your greatest chance of financial success lies in spending, saving and giving more intentionally. Start by simply writing out some new financial goals.

For example, what one expense can you reduce or eliminate from your budget? How much money would you like to save for emergencies in the next 30 days? In one year, how much debt would you like to have paid off?

2. Reboot your inspiration. There are so many families going through financial hardship today. Many who have overcome that hardship are telling their stories via the Web, either in blogs, vlogs, podcasts, e-books or other online resources. It’s amazing what a jolt of inspiration can do.

Here are nine inspiring stories of ultimate financial freedom to get you started.

3. Reboot your accountability. Whether you’re single, engaged, married, or single again, you need accountability as you pursue the financial goals you created on step #1. This can be your spouse or a trusted friend. It may be difficult to ask for help with something like money, which is so rarely talked about openly, but the person you ask will probalby respect you more for it. In fact, he or she needs just as much accountability as you.

4. Reboot your attitude. This is by far the most important step to take. It’s time to forgive yourself for past financial mistakes. It’s time to let go of the guilt you felt when that bankruptcy happened or your relationship ended or that foreclosure took place. It’s time to move away from the anger you’ve harbored against that person who hurt you financially.

Your past doesn’t define you. Don’t let it try. It’s time to think about tomorrow.