- August 12, 2023
- Posted by: legaleseblogger
- Category: Related News
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Long story short
I recently got into a motorcycle accident, which was caused by the negligence of the city failing to mark road repair work back in January. The impact of the accident resulted in significant damages, including the destruction of my brand new MacBook, iPhone 13, and my just 8-day-old motorcycle. Moreover, both of my arms were broken in the incident, adding to the overall ordeal. While I acknowledge that this description does not capture the full extent of the situation, it is essential for you to join me in expressing frustration over the circumstances.
Fortunately, my lawyers informed me that the city has a maximum payout limit of $100,000. However, this amount seems insufficient considering the damages caused. Additionally, I am in the process of seeking insurance coverage for medical bills, which total around $27,000. Understanding the intricacies of insurance procedures can be quite challenging, further complicating the situation. On top of that, I am hopeful to receive additional compensation ranging between $35,000 and $40,000.
In a separate development, my grandmother has generously given me half of her property, which also includes a barn with an extra room and a private patio. With these resources at my disposal, I am considering investing in a camper worth approximately $10,000 to $15,000. I envision placing a tin roof on the camper and enclosing the barn, providing additional living space. Additionally, I have been contemplating purchasing a vehicle like an egolf.
This year has been particularly challenging, and I am eagerly anticipating the resolution of these matters. While I acknowledge that I have a place to live, moving back in with my mother after several years is not my preferred option. I would greatly appreciate your input on what course of action I should take. It is worth noting that my credit score has taken a hit, with around $5,000 in rental debt from the effects of Covid-19 in 2020 and approximately $600 in credit card debt. Currently, my credit score stands at around 502.
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****** just grabbed a
I think you should suck it up and live with mom until you get your life together
> living with my mom again after years isnÔÇÖt really my thing.
Before you do anything, square up your debts.
Gonna throw my 2 cents in. I was in an accident and won a case. Took 5 years to see the money. You should pretend it doesnÔÇÖt exist. ItÔÇÖs very easy to spend that money before you ever even get it.
Use your windfall to actually get ahead in life (pay your debts, invest in a way to increase your income) instead of wasting it on dumb things
Live in the room that was added to the barn and save the settlement instead of spending it all. You didn’t mention having a job and an income. Figure out how to get training to get a decent job and use some of the settlement to pay for the training.
The big thing at this point is don’t assume you’ll get any sort of settlement. If the lawyer told you the City’s liability is capped at $100,000, there’s certainly no guarantee they’ll settle with you at that amount. And it can take months or years to litigate the case to the point where a City settles. So it won’t be a quick windfall.
You may not see this money for quite awhile.
Once you do – pay off your debts. Debt will follow you…a bad credit score will follow you and will make it harder for you to rent again / get a fair deal on any credit or loan in the future. Consider opening a credit card that will [help you build your credit](https://www.nerdwallet.com/the-best-credit-cards/building-credit), and use it for a single bill every month, like your phone bill, pay it off immediately every month, and then forget you own it. Over time it will help lead to a better credit score.
Wealth is built on saving money, not spending money. Open a savings account at an online bank that offers 4% or more in return (Ally is often recommended here as it is free and relatively easy to use), and dump all other money in there. Let it sit while you educate yourself about money management. Collect your disability checks / work your job, don’t touch the money unless you absolutely have to. $25k at 4% is a yield of $1k in a year.
You seem young; do some research about opening an IRA, and consider doing so with a company like Fidelity or Vanguard. Google compound interest. Putting away money now in an IRA and adding to it until retirement will allow it to grow tax-free. Let’s say you’re 30 years old – if you put away $500 a month in a mutual fund that tracks the stock market, at the historical rate of growth of the market, you’ll have around a million dollars by the time you reach retirement age. If you’re 20 years old and you do this, you’ll end up with more like 4 million.
Free housing from your mother or grandmother is a huge benefit to you and if you use it right you can set yourself up for longterm success.
Buying a camper to live in is a horrible investment. The cost to continually repair the camper will be high along with how much the camper will depreciate in value.
Pay off your debts, live with your mom/family/whoever isnÔÇÖt going to charge you rent or at least low rent while you heal, keep the rest saved up as a nest egg for when you get a job in the future, and need a deposit for your future apartment.
i hate to be a grammar nazi but it is ÔÇ£come to fruitionÔÇØ not ÔÇ£come to tuitionÔÇØ
Live with your mom – your credit is shot and you need to build that score back up and build up some savings.
Maybe you should get some more clarity from your lawyer on what it means that the city “caps out” at 100,000. If they cause $200,000 of harm to someone, they can’t just say, “sorry, we only do $100,000”.
What your lawyer may mean is that they’ve got some form of insurance or other way in which they can easily pay $100,000, and so they’re quite likely to give that up without much of a fight. But beyond that it’ll get harder.
I was in a similar situation once (though not involving the city) and the way it broke down was like this: my lawyer took 30% of what I got if it settled, and 40% if it went to court. What that actually means, though, is that the lawyer has an interest in you settling quickly for $100k because they get a quick $30k with very little work. If you decide to go for more, your lawyer may ultimately get more but they’ll have to do a lot more work to get that money (and it’s not guaranteed) so they’ll take the quick $30k every time.
This does NOT mean that I’m telling you to try to go for more money. I just want to make sure you are aware that your lawyer’s interests and your interests are not necessarily the same.
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You ***THINK*** you have $35-40K coming to you. Just hope you never have a future crash because the insurance company will blame any new injuries (especially soft tissue) on this current crash. They’ll say they are an exacerbation of injuries from a previous crash. Even if you change insurance companies.
You don’t have the math figured out; don’t spend anything until you have it in hand. Cities are rarely a at-fault party unless you have proof that they knew about the problem before the incident occurred.
It’s part of the board game you don’t know about.
if you broke both arms better not be close to your mom, some redditor had strange experiences in a similar situation.
I was involved in a police misconduct case and the city settled for the 100k theyÔÇÖre capped at, but it took 2 years to see it. IÔÇÖd take care of any and all debts and make a solid plan for avoiding future debt. ItÔÇÖs not a ton of money at the end of the day.
My wife was in a car accident when she was younger and signed a deal with a personal injury lawyer not knowing much. She signed a percentage of the settlement away and we also got thousands in bills from the lawyers. Just a heads up you may owe more than 30%. Lawyers can be snakes
DonÔÇÖt buy a camper-its value depreciates far too quickly and itÔÇÖs heavy wear on your truck if you move a lot
What should you do? You should take your ass to the public library and check out ÔÇ£total money makeoverÔÇØ written by Dave Ramsey. You are EXACTLY the person that book was written for. You have incredibly fucked up financial priorities. You will always be poor and never retire if you do not change how you view and handle money.
The city is much more than a 100k my guy
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Post in the credit Reddit forum to get help on settling your outstanding debts.
Once those are paid come back here with details on your new financial situation.