Study Reported Charleston 12th Most Dangerous Driving City in U.S.

According to an analysis by Insurify, Charleston, South Carolina ranks No. 12 on a national list of the cities with residents who have the most car accidents.

The data science team at Insurify, an online site for comparing auto insurance rates, said nearly 2 in 10 drivers (18.06%) in Charleston had a car accident on their records that they caused.

The list of U.S. cities with the most car accidents in 2020 was compiled from a database of more than 2.5 million car insurance applications. Insurify says it rated cities according to the number of local drivers who reported one or more types of car accidents on their record for which they were at fault.

The numbers indicate the cities with the highest share of accident-prone drivers. Insurify identified the 20 cities with the highest proportion of accident prone drivers as the cities with the most accidents. Seven of the 20 cities with the most accidents were located in South Carolina in the Insurify rankings.

No. 1 on the National list is Johns Island, just outside of Charleston, where 21.6% of drivers have a prior at-fault car accident on their record.

Across the country, 12% of drivers have an accident they caused on their record, Insurify says. Compared to the national average, the 20 cities with the most accidents have at least 40% more accident-prone drivers.

Drivers Who’ve Caused Car Accidents across South Carolina and North Charleston

According to the S.C. Department of Public Safety’s (SCDPS) Traffic Fatalities Dashboard, 1,025 people were killed in motor vehicle accidents in South Carolina in 2020. There were 69 people killed in car accidents in Charleston County in 2020.

Numerous statistical counts indicate that South Carolina has more fatal car accidents than other states. The FY 2021 State of South Carolina Highway Safety Plan says that in 2018, the motor vehicle death rate in South Carolina was 1.82 fatalities per 100 million vehicle miles traveled. That’s approximately 61% higher than the national VMT rate.

“The VMT rate in South Carolina increased by 10.3% from 2014 through 2018 while the population increased by 5.4% during that period,” the report says.

Charleston Car Crash Statistics

The report shows 1,404 fatal and severe injury collisions in Charleston County from 2014 to 2018, an average of 351 per year. Approximately, one of every 12 collisions in South Carolina occurred in Charleston County.

Besides providing a wealth of statistics, the S.C. Highway Safety Plan also describes programs to counter the problems and trends described, which would be partially funded by federal grants.

Causes of Car Accident Fatalities in South Carolina

The S.C. Highway Safety Plan says negligent or reckless drivers accounted for two thirds of motor vehicle-related fatalities in South Carolina during 2014-2018.

The 694 driver deaths in 2018 represented a 30.7% increase compared to 2014 (531 deaths) and 9.16% more than the average number for the years 2014 to 2018.

Other deaths in fatal motor vehicle accidents in South Carolina were:

• Older drivers (65+) (17.6% of the four-year total and about 170 fatalities annually)
• Passengers (16.6%, 161 fatalities annually)
• Motorcycle riders (16.1%, 156 fatalities annually)
• Pedestrians (14.3%, 139 fatalities annually)
• Young (under 21) drivers (12.5%, 121 fatalities annually).

The three major causes of car accident deaths in South Carolina from 2014 to 2018 were:

• Speeding, averaging about 386 deaths per year and accounting for approximately 40% of total traffic fatalities
• Alcohol-impaired driving, averaging 315 deaths per year and accounting for approximately 33% of total traffic fatalities
• Failure to wearing seat belts, averaging about 307 deaths per year and accounting for approximately 32% of total traffic fatalities.

The only decline among the three categories in South Carolina occurred among alcohol-impaired driving traffic fatalities. Overall, there was a net decrease of 40 alcohol-impaired driving fatalities between 2014 and 2018. Even so, alcohol-impaired driving fatalities made up 28% of total traffic fatalities in South Carolina in 2018.

The 447 speeding-related fatalities in South Carolina in 2018 represented a substantial increase (20.57%) compared to the average of the prior four years, and an even larger increase when compared to the 2014 total.

Unbelted passenger vehicle occupant fatalities fluctuated, with an increase over the 2014-2018 period of 20% in 2018 as compared to 2014 and a 9.45% increase relative to the average of the previous four years. South Carolina’s 2014-2018 population-based unbelted passenger vehicle occupant fatality rate (6.19 deaths per 100,000 population) was much higher than the U.S. rate of 2 deaths per 100,000 population.

When to Contact a Charleston Car Crash Attorney

If you have been injured or lost a loved one in a car accident caused by someone else, you should speak to an experienced car accident attorney about your legal options. South Carolina law allows surviving family members to bring a wrongful death claim against the at-fault party to help ease the financial burden of medical expenses, funeral costs, and loss of financial support from their deceased relative.

After your life has been shattered by an auto accident, the North Charleston car accident lawyers of Joye Law Firm can help put the pieces back together. Joye Law Firm has offices in Charleston, Columbia, Clinton and Myrtle Beach, SC, and we accept cases from across South Carolina.

Call us at 888-324-3100 or contact us online for a free initial legal consultation. We can meet wherever is convenient for you, including in a virtual meeting.

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What Is a Miss-and-Run?

Everyone fears being the victim of a hit-and-run accident, but “miss-and-run” accidents can also leave victims in the lurch after suffering vehicle damage and injuries.

Miss-and-run accidents occur every day in the U.S., but few South Carolinians know what they are, and even fewer know what to do after being the victim of this type of accident. In this blog, we go over what you need to know.

What’s the Difference Between a Hit-and-Run and a Miss-and-Run?

In both a hit-and-run and a miss-and-run, the at-fault driver flees the scene without calling the police or exchanging contact or insurance information with the injured driver. But unlike a normal hit-and-run, a miss-and-run is a single-vehicle accident with only one car sustaining damage.

Here’s a common example of how a miss-and-run might happen: Driver A suddenly veers into Driver B’s lane without signaling, forcing Driver B to swerve to avoid them. Driver B hits a guard rail, but Driver A keeps driving.

In this scenario, Driver A is at fault for Driver B’s crash, but there was no physical contact between their vehicles.

Sometimes the at-fault driver in a miss-and-run flees the scene deliberately to avoid responsibility. Other times, the at-fault driver may not even be aware they caused an accident, because they were driving while distracted or under the influence of drugs or alcohol.

In either case, the accident victim is left with a mountain of bills and only what the insurance world calls “a phantom vehicle” to blame.

Can You Still Get Compensation After a Miss-and-Run?

Getting compensation after a miss-and-run is difficult, since just like in a hit-and-run, the person you would normally file a claim against (the other driver) can’t be identified. There are generally two methods of getting compensation:

• Attempt to identify the at-fault driver to file a claim against their insurance
• File a claim against your own insurance through your uninsured/underinsured driver or MedPay coverage

An auto accident attorney experienced in hit-and-run and miss-and-run accidents could offer advice on what path you should pursue.

How to Find a Driver Who Fled the Scene of an Accident

Although it may seem hopeless to try to identify a driver who fled the scene after a miss-and-run, especially when their own vehicle won’t have any identifying damage from a collision, it’s not impossible.

If you were the victim of a miss-and-run, make sure to call 911 and wait for emergency responders to arrive, both to get any medical treatment you may need and to file a police report.

When speaking to the police, give as much detail as possible about the vehicle that caused your accident, including make, model, color, and as much as the license plate as you can remember. Even just part of the license plate number can be used to help identify the driver.

If the vehicle had any other identifying details, such as an out-of-state license plate or bumper stickers, make sure to mention those as well, since they can be used to identify the vehicle, and eventually, the driver.

You should also note the exact time of the accident. Using the time and location of the accident, police can request security camera footage from nearby intersections, businesses, or gas stations to try to identify the vehicle.

Insurance Companies Often Refuse to Pay After Miss-and-Run Accidents

When the other driver is located and there’s enough evidence (such as from witnesses or dashcam footage) to prove they were at fault, miss-and-runs will typically play out like any other auto accident case. But insurance companies will often jump on any excuse not to pay, including your own insurance company!

That means they will may try to prove your accident was your own fault.  That’s when hiring an experienced South Carolina auto accident lawyer like those at Joye Law Firm becomes vital to proving you were not at fault.

Our attorneys understand the special challenge these types of accidents pose for victims, and we’re willing to take them on to help innocent victims get the compensation they deserve. Contact our firm today for a free consultation.

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What Qualifies as a Catastrophic Injury?

Any injury received in an accident has the potential to seriously upend a victim’s life. It means trips to the hospital—as well as potential follow-up visits, visits to the pharmacy for medication, or even to a physical therapist. And scheduling these visits means having to take time off work, if it’s even possible to work until after the injury has healed. When none of this is planned, it’s not budgeted for either. Injuries are as expensive as they are painful.

But some injuries are in a class of their own, both in terms of the amount of treatment they need and the disruption they cause. These are what we call “catastrophic injuries.”

“Catastrophic” isn’t like any other adjective you’d use to describe the seriousness of an injury, like “awful” or “terrible.” Catastrophic, in this sense, is a legal term to describe injuries that qualify for significantly greater compensation than other types of injuries.

Defining Traits of a Catastrophic Injury

What sets catastrophic injuries apart from other injuries is that catastrophic injuries are usually permanent injuries.

People who suffer from catastrophic injuries may never again be able to do the same work they did before being injured, or they may never be able to work again at all. Catastrophic injuries could also leave victims able to still work, but permanently impact their quality of life for the worse.

Examples of catastrophic injuries include:

• Scarring and disfigurement, such as from severe burns
• Loss of limbs
• Loss of a primary sense, such as blindness or permanent hearing loss
• Brain injuries that impact cognition or personality
• Disabling injuries, such as spinal cord injuries resulting in paralysis
• Severe organ damage

What Type of Compensation Is Available for Catastrophic Injuries?

As previously mentioned, victims of catastrophic injuries typically qualify for significantly higher recoveries than victims of other types of injuries. That’s because victims of catastrophic injuries have lost significantly more, so need to be compensated more to make up for what was lost.

Damages for Medical Expenses: In addition to the hospital bills incurred in the emergency room, victims of catastrophic injuries often need years or a lifetime of treatment or assistance even after their life is no longer in danger.

Depending on how they were injured, they may need any of the following treatment or aid:

• Physical therapy to relearn how to walk
• Occupational rehabilitation to learn how to work with their new physical or cognitive capacity
• Extensive modifications to their home to accommodate mobility aids like wheelchairs
• Live-in caretakers
• A service animal, such as a seeing-eye dog

These are just a few options.

An experienced personal injury lawyer can work with the victim’s healthcare team to determine what additional support or treatment may be needed in the future because of this injury, and calculate how much extra compensation is needed to cover the costs of that future aid.

Damages for Loss of Income: Because catastrophic injuries almost always impact the victim’s ability to work or do the same work they did before, compensation should cover not only the paychecks they missed while recovering, but all paychecks they will miss in the future because of their injury. If the victim can still work, but only at a lower-paying job, that should also be taken into consideration.

Compensation should also include:

• Anticipated pay raises the victim would have earned during their lifetime
• Anticipated bonuses the victim would have received
• The value of any overtime or paid time off the victim would have accrued
• The value of the health and/or life insurance provided by the employer
• The value of stock options, profit-sharing, or 401(k) contributions the employer may provide to employers
• The value of any additional perks the employer may provide to employees, such as cell phone or transportation allowances

Damages for Pain and Suffering: Although it can be hard to put a monetary value on something intangible like physical pain and emotional distress, an experienced personal injury lawyer like those at the Joye Law Firm can help. The ways that the victim’s catastrophic injury impacted their life may include:

• Levels of chronic pain they experience day-to-day
• Emotional distress caused by the injury, such as anxiety, depression, insomnia, or post-traumatic stress disorder
• Inability to participate in things they used to enjoy, such as sports, hiking, creative pursuits, or other hobbies
• Inability to connect with friends, coworkers, or family, such as from a brain injury that affected cognition or personality
• Inability to enjoy physical intimacy with a partner

Punitive Damages: Punitive damages are very rarely awarded, but when they are, they’re meant to punish people who injure others through exceptionally careless behavior. For example, someone who gets in a fender-bender while following the vehicle ahead too closely would not be hit with punitive damages, but someone who collided with another car while driving at twice the legal limit for alcohol consumption might be.

Although punitive damages are intended to punish the offender rather than compensate the victim, the victim still receives the money, which makes it worthwhile to mention here. However, it’s important for people pursing personal injury claims to be aware that South Carolina caps punitive damages at $500,000, or three times the compensatory damages, whichever is greater.

We Help Victims of Catastrophic Injuries

If you or someone you love suffered a catastrophic injury through someone one’s carelessness, you are going to need a lot of compensation just to break even on your medical expenses and lost wages. And because insurance companies know how much catastrophic injuries can cost, they may be willing to make a large offer right away. However, we always caution victims to always speak to a lawyer before accepting any offer for a settlement. We have lots of experience with these types of injuries, and we know how quickly what appears to be a large settlement can run out, when the need for treatment doesn’t end.

Contact our firm today for a free consultation to go over what your case may be worth. When you hire our team, we will fight hard to get you not just compensation for all you’ve already faced, but all you will face in the future.

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What Are South Carolina’s Texting and Driving Laws in 2021?

Distracted driving laws vary from state to state, and because they can differ so much, and are often updated, it can be difficult to know what is actually against the law. Is talking on the phone allowed, or only if you do it hands-free? Is texting illegal, or merely frowned upon? We’re hoping to make things a little clearer for South Carolinians with this blog.

Texting while driving has been illegal in South Carolina since June 2014. The law specifically forbids reading, writing, and sending text-based communications from wireless devices while driving, which means other forms of messages, like emails, and other types of devices, like laptops, are banned by this law as well.

A law was introduced in 2019 that intended to ban holding wireless devices while driving, thus restricting all cellphone use to hands-free only, including phone calls. However, as of January 2021, the Senate Transportation Committee has not voted on the bill. For now, other uses of cellphones, including talking without using a hands-free device, are still legal, but possibly not for long.

Are There Exceptions to South Carolina’s Texting and Driving Law?

There are a few exceptions to when you can send or receive text-based messages while driving.

You can do so legally if:

• You are lawfully parked or stopped.
• You are using a hands-free device (voice-to-text).
• You are trying to get emergency assistance.
• You are transmitting or receiving data from a digital dispatch system.
• You are using a GPS.
• You are emergency personnel performing your official duties.

Texting While Driving is a Primary Ban

What this mean is, if a police officer sees someone texting while behind the wheel of a moving car, that is the only thing they need to be able to pull them over. However, they need a “clear and unobstructed view” of the driver texting.

This means the law can be hard to enforce, as drivers who are pulled over for phone use may claim they were using their GPS or another allowed action rather than texting, if the officer did not have a clear enough view to prove they were texting.

It is important to know that police officers do not have the legal right to take or search your phone, even if you’ve been pulled over for suspicion of texting while driving.

What Are the Consequences for Texting While Driving?

South Carolina has one of the most lenient laws against texting while driving. Offenders typically face no more than a $25 fine for a first offense. However, the true consequence of texting while driving is seen in the number of car accidents in our state.

In 2018, South Carolina ranked #1 in the nation for most fatal car crashes by miles traveled. That doesn’t even take into account the thousands of injuries every year from car crashes, many attributed to distracted driving, including texting while driving.

Car crashes cause serious injuries, many that takes weeks or months to recover from. Some car accident victims never fully recover. Texting while driving can have consequences that disrupt the lives of everyone involved, including the at-fault drivers, the victims, and their families.

What could be a $25 ticket could just as easily turn into tens of thousands of dollars of medical bills and lost wages if you get into a collision while texting and driving.

We Help Victims of Distracted Drivers

Distracted drivers put others at risk, and when they do so and cause actual harm, they can be held liable.

At Joye Law Firm, we help injured car accident victims get compensation when they are hit by distracted drivers. If you or someone you love was injured in a car accident caused by someone texting while driving, talking on the phone, or anything else that took their eyes off the road and hands off the steering wheel, call our firm today. We’ll be happy to discuss the details of your case in a free, no obligation consultation.

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What to Do After a Burn Injury

According to the National Fire Protection Association, someone in the U.S. is burned seriously enough to require treatment roughly every 60 seconds.

Burn injuries are one of the leading causes of accidental injury and death in the U.S., especially among children. In fact, burns are the 5^th leading cause of accidental death for children under the age of 5, and the 3^rd leading cause of accidental death for children under the age of 10.

Because burns are so unfortunately common, it’s important to know how they occur, and what to do when they happen.

Common Causes of Burn Injuries

While most people picture house fires when they hear the term “burn injuries,” there are many different ways that people can suffer from burn injuries, including:

• Contact with flame
• Scalding injuries from hot liquid or steam
• Thermal burns from hot glass, metal, or other objects
• Electrical burns from faulty electrical wiring, outlets, or other electrical components
• Chemical burns, such as from chlorine, bleach, or battery acid
• Radiation burns, such as from defective medical equipment like x-ray machines and cancer therapy equipment, or tanning beds
• Smoke inhalation, which can occur even without direct exposure to heat sources

How to Treat a Burn Immediately

Burns are almost always extremely painful, and when left untreated, can also easily become infected. That’s why it’s so important to treat them right away.

First aid for burns may vary slightly depending on how the burn was received.

For Thermal Burns (including fire and scalding injuries)

• Stop contact with/remove the heat source.
• Remove clothing or accessories near the burned area, as burns can swell rapidly.
• Hold the burned area under cool (not cold!) water or apply a cool compress. DO NOT apply ice.
• DO NOT apply any butter, lotions, or creams to the affected area! This can trap the heat inside the skin.
• Loosely cover the burned area with sterile gauze or clean cloth, and secure with tape. Do not use anything with large or loose fibers, because they can stick to the burn. Tying the bandage too tightly can also cut off circulation if the burn swells. This also applies to other types of burns as well.

For Electrical Burns

• Unplug or turn off the source of electricity, if it’s safe to do so. If it’s not possible to do so without risking electrocution, use a tool made of a dry, non-conductive material (such as a wooden broom handle) to push the victim out of contact with the source of electricity.
• If the victim is unresponsive, begin CPR.
• If/once the victim is responsive, loosely cover the burned area with sterile gauze or clean cloth, and secure with tape.
• Apply a blanket to prevent the victim from becoming chilled.

For Chemical Burns

• Gently wash the chemical off the affected area with cool running water for a minimum of 20 minutes. If the burning sensation continues, rinse the area for longer. Don’t allow the run-off to wash over other parts of the body.
• As you rinse, not before, remove clothing or accessories that may have been contaminated with the chemical.
• Loosely cover the burned area with sterile gauze or clean cloth, and secure with tape.

Typically only first-degree burns can be treated at home. Second-degree burns may require antibiotics or ointments that can only be prescribed by a doctor, while third-degree burns may require skin grafts and IV fluids. Your doctor may also recommend receiving a tetanus shot after suffering a burn injury.

When to See a Doctor

Call 911 if any of the following circumstances apply after a burn injury:

• The burned area includes the hands, feet, face, groin, or a major joint.
• It’s a chemical or electrical burn.
• The victim is a child or an elderly person.
• The victim has trouble breathing.
• The burned area appears leathery.
• The burned area turns white, brown, or black.
• The burn blister oozes or is larger than two inches across.
• There are signs of infection, such as redness and fever.

When to Call a Lawyer

If you were burned through someone else’s negligence, you may be eligible for compensation. Because there are so many different ways someone can suffer a burn injury, there are also many parties who may be responsible, including property owners, employers, and manufacturers.

If you are unsure whether you can get compensation for your burns, contact our team today to speak to a burn injury lawyer and discuss the circumstances of your case for free.

How to Reduce Your Risk of Burn Injuries

• Don’t leave sources of heat or flame, such as candles, curling irons, or space heaters, turned on unsupervised.
• Secure all chemicals, including household cleaners, in their original containers and place them in locked cabinets when not in use.
• Only use chemicals in a well-ventilated area while wearing clothing that covers your skin.
• Install anti-scald devices on tub faucets and shower heads.
• Never use power cords that are cracked or have bare or fraying wire.
• Have unusually warm light switches or power outlets inspected by an electrician.
• Never have more than one heat-producing appliance plugged into the same outlet at the same time.

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Report: According to a Recent Study Johns Island is Home to the Most Accident Prone Drivers in the United States

More than one in five drivers in Johns Island, S.C., has caused a car accident at some point in their driving career, making the coastal community the nation’s most dangerous for car accidents, a survey says.

Online auto insurance broker Insurify ranked the Top 20 Cities with the Most Car Accidents based on more than 2.5 million car insurance applications. It rated cities according to the number of local drivers who reported one or more car accidents on their record for which they were at fault.

The list reflects “the cities with the highest share of accident-prone drivers.” Insurify says that “the 20 cities with the highest proportion of accident-prone drivers were identified as the cities with the most accidents.”

These figures rely on the assumption that accidents on a driver’s record occurred in the city where the driver currently lives. Regardless, the statistics do indicate a high number of car accidents across South Carolina when compared to the rest of the country. 

In addition to Johns Island, six more South Carolina cities made the top 20 list of most dangerous driving cities:

• No. 5: Rock Hill – Percentage of drivers with a prior at-fault accident: 18.70%
• No. 10: Goose Creek – Percentage of drivers with a prior at-fault accident: 18.14%
• No. 12: Charleston – Percentage of drivers with a prior at-fault accident: 18.06%
• No. 13: Greer – Percentage of drivers with a prior at-fault accident: 17.83%
• No. 16: Summerville – Percentage of drivers with a prior at-fault accident: 17.50%
• No. 18: Spartanburg – Percentage of drivers with a prior at-fault accident: 17.42%

Across all U.S. cities, 12.4% of drivers have an accident they caused on their record. Compared to the national average, the 20 cities with the most accidents, which include locales from Utah to New Hampshire, have a significantly higher percentage of accident-prone drivers.

In 2020, there were 1,025 people killed in motor vehicle accidents of all kinds in South Carolina, according to the S.C. Department of Public Safety’s (SCDPS) Traffic Fatalities Dashboard. There were 69 car accident fatalities in Charleston County, which includes Johns Island.

Causes of Car Accidents in South Carolina

In its most recent annual report about South Carolina automotive collisions, the SCDPS says a driver’s action or inaction was the primary cause of 82.35% of fatal accidents and 94.5% of nonfatal accidents. In all, 134,481 car accidents were attributed to some kind of driver error or negligence.

More collisions were blamed on “driving too fast for conditions” than any other factor. For decades, studies have indicated that excessive speed is a contributing factor in about one third of all traffic collisions.

Additional driver errors that contribute to motor vehicle accidents in South Carolina include:

• Failure to yield right of way
• Improper lane change
• Following too closely
• Distracted driving or inattention, including texting and talking on cell phone
• Disregarding traffic signs and traffic lights
• Driving under the influence of alcohol or drugs
• Improper turns
• Driving on the wrong side of the road
• Aggressive driving
• Drowsy driving or falling asleep at the wheel
• Other driver error, including oversteering/overcorrecting, running off the road, or swerving to avoid object.

Also:

•  4,263 crashes were attributed to environmental factors such as weather, glare, or animal in the road.
• 1,812 crashes were attributed to vehicle defect or failure such as tires, brakes, steering, cargo shift.
• 1,102 crashes were attributed to roadway problems such as work zones, debris, potholes, missing traffic signal.
• 748 crashes were attributed to pedestrian error such as pedestrians darting into the road.

Why Contact a SC Car Crash Attorney?

When someone causes a motor vehicle accident in Charleston County involving a car, motorcycle, truck, bicycle or pedestrian, they may be legally responsible for injuries they have caused others. An experienced lawyer can review the accident and determine who may be held liable.

If you were injured, you may have a right to seek compensation for your losses, such as for reimbursement of medical bill costs, lost income and property damage, as well as for your pain and suffering.

Compensation paid to car crash victims by the at-fault driver typically comes from auto insurance. South Carolina law is based on the comparative negligence standard. Each party involved in an accident is held liable for the share of blame they are assigned for the accident.

Insurance companies are for-profit businesses, so they try to pay as little as possible to resolve car accident claims. They may try to claim you contributed to the accident and are partly or primarily at fault to reduce the amount the insurer is obligated to pay.

You should contact a car accident attorney if you have suffered significant injuries in a crash that was caused by someone else. A S.C. car accident lawyer from Joye law Firm can help you understand your legal rights and negotiate with the insurance company on your behalf if you have a claim.

An experienced car accident lawyer can stop you from being unfairly blamed for a car accident. At Joye Law Firm, we thoroughly investigate accidents to determine what happened and who is at fault. We consult with accident reconstruction specialists when necessary. We negotiate aggressively with insurance companies to settle most claims, but we are always ready to go to court with a solid case if that’s what it takes.

Contact a South Carolina Car Accident Lawyer

If you or a loved one has been seriously injured in a car accident in South Carolina that someone else caused, our S.C. car accident lawyers can help you seek fair and appropriate compensation for your losses. Joye Law Firm has offices in Charleston, Columbia, Clinton and Myrtle Beach, and we accept cases from across South Carolina. Contact us now at 888-324-3100 or online for a free, no-obligation discussion of your legal options.

 

 

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