Jacobs Ladder

Personal Injury Attorney Ben Schwartz was reminded of a car accident case while playing with Jacobs Ladder, “a kid’s toy”.

Jacobs Ladder

I’m Attorney Ben Schwartz,

This is Jacob’s Ladder, it’s a kid’s toy. I went into my son’s room the other day to wake him up in the morning and it was sitting on the side table next to his bed. I started playing with it and I started thinking about a case that I’m handling. It made me think about a car accident personal injury case, of all things to think about when you go into your son’s room to wake him up in the morning.

Here is what it made me think about. I have a case where my client was in a car accident. She was hit by a drunk driver and her car is totaled. I mean it’s a mess, they are not going to be able to do anything to fix this car. The at-fault driver’s insurance company is doing its own investigation and it’s taking some time. If the at-fault driver’s insurance company concludes that their insured, that their driver, actually was at-fault, they are going to pay for my client’s car as a total loss. They’ll pay the fair market value of my client’s car.

In the meantime, my client owes money on this car. She owes money to the bank and she’s got a loan. She has got a note that she is going to make monthly payments on. That monthly payment is due, it is actually overdue. So, she called me the other day and she said what do I do? The insurance company hasn’t paid off my car yet, meanwhile, my bank is calling. I got this loan payment due for this month, I am out of work, I have no money coming in. How do I cover my loan payment after a car accident? I said to her, what you have to do is call the bank and tell them the situation. Ask them to move this month’s payment to the end of the loan. In other words, don’t make you pay this month’s payment this month. Extend the loan by one more payment and move it to the back of the stream of payments.

Anyways sitting there and watching this Jacobs ladder, playing with Jacobs ladder where you twist this block at the top and it just moves it to the end of the line got me thinking about that case. Anyways that’s my tip to you. If you’ve been in an accident, you’re unable to pay your car note, the insurance company is dragging their heels not declaring it a total loss, not paying off your car for you, not sending you the money for the total loss of the vehicle, call your bank to explain the situation. Ask them to move that month’s payment to the end of the line; to the end of the note.

I’m attorney Ben Schwartz, I hope you found this little tip interesting and informative. Share it on social media. Maybe you’ve got a friend or family member who has been injured in an accident and they’re dealing with this type of situation right now. If you have questions for me send me an email below. Thanks for watching.

Jacobs Ladder

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