Charlotte
Personal Injury
Attorneys

Over 20 Years of Experience Helping
Charlotte Car Accident Victims

Free Car Accident Case Evaluation

The Layton Law Firm

Committed to Justice and Your Success

Personal Injury Lawyer Charlotte, NC

If you’ve been hurt in an accident in Charlotte, our Charlotte, NC personal injury lawyer is here to help you. Dealing with medical bills, missed work, and insurance adjusters while trying to recover is overwhelming. You didn’t cause this situation. You shouldn’t have to navigate it alone.

At The Layton Law Firm, founder Christopher Layton has spent 15 years handling injury cases across North Carolina. We’ve helped our clients recover millions of dollars in settlements and verdicts. Every personal injury case we take operates on a contingency fee basis—you pay nothing unless we win. Contact us today for a free consultation.

Why Choose The Layton Law Firm for Personal Injury in Charlotte, NC?

15 Years Fighting for Injured Clients

Chris Layton has practiced personal injury law since 2009. He earned his J.D. from Wake Forest University School of Law and his B.A. in Journalism from the University of Maryland at College Park. He’s licensed to practice in North Carolina and the Federal Western District of North Carolina. He’s a member of the NC State Bar and the Mecklenburg County Bar Association.

That background matters when you’re going against insurance companies. They have attorneys who handle claims every day, looking for reasons to deny or reduce what they owe you. Chris understands their tactics because he’s seen them for over a decade. He knows which arguments work in Mecklenburg County courts and how to build cases that hold up under scrutiny.

A Charlotte Resident Who Knows This Community

Chris has lived in Charlotte for 24 years. He raised his two daughters here. When he’s not in the office, you might find him hiking local trails or trying out new material at comedy open mics around town. He became a lawyer for a specific reason: to help people who would otherwise be taken advantage of by insurance companies and corporations with deep pockets.

That mission drives how we operate. We communicate clearly. We explain your options honestly. And we fight aggressively when insurers refuse to offer fair compensation.

What Our Clients Say

⭐⭐⭐⭐⭐ “The Layton Law Firm was AMAZING! Chris and his team are consummate professionals who went above and beyond with my personal injury claim. They were very professional, knowledgeable, and always keep me abreast throughout the whole process!” — Mary Kelly

Read more reviews on our Google Business Profile.

Types of Personal Injury Cases We Handle in Charlotte

We represent plaintiffs across a wide range of accident and injury matters. Here are the primary case types we take:

  • Car Accidents. Vehicle collisions are the most common source of injury claims in Mecklenburg County. We handle everything from rear-end collisions to multi-vehicle pileups on I-77 and I-85. Insurance companies often try to minimize payouts by arguing you were partially at fault or that your injuries existed before the crash.
  • Truck Accidents. Commercial vehicle crashes involve federal regulations, multiple insurance policies, and corporate defendants. Trucking companies often send investigators to accident scenes within hours. We move quickly to preserve evidence and identify all responsible parties.
  • Motorcycle Accidents. Riders face bias from insurance adjusters who assume motorcyclists take unnecessary risks. We fight that perception while pursuing full compensation for road rash, broken bones, and other serious injuries.
  • Pedestrian Accidents. Charlotte’s growing population means more foot traffic and more dangerous intersections. We handle cases involving crosswalk collisions, hit-and-run incidents, and crashes in parking lots.
  • Slip And Fall Accidents. Property owners have a duty to maintain safe conditions. When wet floors, uneven surfaces, or poor lighting cause injuries, we pursue claims against negligent landlords and businesses.
  • Rideshare Accidents. Uber and Lyft crashes involve complicated insurance questions. Was the driver logged into the app? Were they carrying a passenger? The answers determine which policy applies and how much coverage exists.

North Carolina Legal Requirements for Personal Injury Claims

North Carolina operates under a strict legal doctrine called contributory negligence. This is critical to understand because it differs from most other states.

Under contributory negligence, if you bear any fault for causing your accident—even 1%—you may be completely barred from recovering compensation. The insurance company doesn’t have to prove you were mostly at fault. Any fault can destroy your claim.

This rule makes North Carolina one of the hardest states to pursue injury claims. Insurance adjusters know this. They look for any evidence suggesting you contributed to the accident: maybe you were texting, maybe you didn’t use a turn signal, maybe you were jaywalking. They’ll use that evidence to deny your claim entirely.

The NC General Statutes also impose a three-year statute of limitations on most personal injury claims. Miss that deadline and your case is gone, regardless of how strong your evidence is.

Having an attorney who understands these rules matters. We know how to counter contributory negligence arguments and build cases that demonstrate the other party’s full responsibility for your injuries.

What Damages Can a Charlotte Personal Injury Help You Recover? 

North Carolina law allows injured plaintiffs to pursue several categories of compensation. Understanding what you can claim helps set realistic expectations and ensures you don’t leave money on the table.

Economic damages cover your actual financial losses: medical bills (past and future), lost wages, reduced earning capacity, and property damage to your vehicle. These are calculated using bills, pay stubs, and documentation from your employer. Future medical costs matter too. If your injury requires ongoing treatment, physical therapy, or surgery down the road, those projected expenses factor into your claim. We work with medical professionals to document the full scope of care you’ll need.

Non-economic damages compensate for losses that don’t have receipts attached. Pain and suffering, emotional distress, loss of enjoyment of life, and permanent disfigurement all fall into this category. North Carolina doesn’t cap non-economic damages in most personal injury cases, though calculating them requires experience and strong evidence of how the injury affected your daily life. A herniated disc might heal in six months. But if it prevents you from picking up your children or coaching their soccer team, that loss has real value.

Lost earning capacity deserves special attention. This goes beyond wages you’ve already missed. If your injury limits the type of work you can do—or ends your career entirely—you may be entitled to compensation for decades of diminished income. An accountant who can no longer sit at a desk for extended periods faces a different financial future than before the accident.

Punitive damages are available in limited circumstances. Under N.C.G.S. § 1D-15, you must prove the defendant acted with fraud, malice, or willful conduct. These damages are capped at the greater of $250,000 or three times compensatory damages. Drunk driving cases sometimes qualify. So do incidents involving intentional misconduct or gross negligence.

Steps to Take After a Personal Injury Accident in Charlotte

  1. Ensure safety first. Move away from traffic or other hazards if you can do so without making injuries worse.
  2. Call 911. Get police and emergency medical services to the scene. The accident report becomes important evidence later.
  3. Seek medical attention. Even if you feel okay, some injuries like soft tissue damage or concussions don’t show symptoms immediately.
  4. Document the scene. Take photos of vehicle damage, road conditions, traffic signals, and any visible injuries. Get contact information from witnesses.
  5. Don’t admit fault. Anything you say can be used against you under North Carolina’s contributory negligence rule.
  6. Obtain the police report. Request a copy once it’s available. Review it for accuracy.
  7. Notify your insurance company. Report the accident, but don’t give recorded statements to the other driver’s insurer without legal guidance.
  8. Keep records of everything. Medical appointments, medications, days missed from work, how the injury affects your sleep and daily activities.
  9. Avoid social media posts. Insurance companies monitor Facebook and Instagram for evidence they can use against you.
  10. Contact a personal injury attorney. The earlier you have representation, the better positioned you are to protect your rights. According to CDC transportation data, motor vehicle crashes kill over 120 people daily in the United States—making swift legal action critical for survivors seeking compensation.

Important Local Resources for Charlotte Personal Injury Victims

The following resources may be helpful after an accident in the Charlotte area. This list is provided for informational purposes only and does not constitute an endorsement by The Layton Law Firm.

For national crash statistics and safety research, the NHTSA FARS database provides detailed data on fatal motor vehicle accidents across the country.

Contact A Charlotte Personal Injury Lawyer at Layton Law Firm

You have enough to worry about after an injury. Let us handle the legal fight while you focus on recovery.

We offer free consultations and work on contingency—no fees unless we recover compensation for you. Chris Layton personally reviews every potential case and will give you an honest assessment of your options. We respond promptly to inquiries and keep clients informed throughout the process. Call today or fill out our online form to get started.

  • 20+ Years of Experience

    Founding attorney Chris Layton has been practicing law for over 24 years.

  • Thousands Recovered

    Our firm has successfully recovered thousands of dollars for our clients, helping them receive the compensation they deserve and get back to enjoying life quickly.

  • 90+ 5-Star Google Reviews

    We're proud to be recognized for our commitment to excellent client care.

  • Contingency Fees

    Our personal injury services are offered on a contingency fee arrangement. There are no out-of-pocket costs, we are only paid when you are.

Our Practice Areas

We specialize in personal injury, consumer bankruptcy, and real estate closings.

  • Personal Injury

  • Bicycle Accidents

  • Car Accidents

  • Drunk Driver Accidents

  • Motorcycle Accidents

  • Nursing Home Abuse

  • Premises Liability

  • Rideshare Accidents

  • Slip and Falls

  • Truck Accidents

  • Wrongful Death

  • Workers' Compensation

  • Bankruptcy

  • Real Estate Closings

At The Layton Law Firm, we know that personal injuries can have a profound impact on your life, affecting your health, work, and family. Our firm assists with a variety of cases, including car accidents, slip and falls, nursing home abuse, wrongful death claims, and more. If you've been injured due to someone else's negligence, we're ready to help you seek the compensation you deserve. Please reach out to us today to schedule your consultation.

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We recognize that cyclists are especially vulnerable on the road and often suffer serious injuries when accidents occur. Our team handles cases involving collisions with vehicles, hazardous road conditions, and defective bicycle equipment. If you've been hurt in a bicycle accident, we're here to advocate for your rights; contact us to discuss your situation.

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Through our experience with car accident cases, we've seen how they can lead to unexpected financial burdens. Our firm assists with various car accident cases, like rear-end collisions, distracted driving incidents, and accidents involving uninsured motorists. If you've been involved in a car accident, we're prepared to help you pursue rightful compensation; get in touch with us for a consultation.

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We believe that victims of drunk driving accidents deserve justice for the harm they've suffered. Our team handles cases where impaired drivers have caused injuries, property damage, or loss of life. If you've been injured by a drunk driver, we're committed to helping you hold them accountable; please contact us to explore your legal options.

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We know that motorcyclists face unique risks on the road, often resulting in severe injuries when accidents happen. Our firm assists with cases involving negligent drivers, unsafe road conditions, and defective motorcycle parts. If you've been hurt in a motorcycle accident, we're ready to stand by your side; reach out to us to discuss how we can help.

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Our team is dedicated to protecting the rights of nursing home residents who have suffered abuse or neglect. Our team handles cases involving physical harm, emotional abuse, financial exploitation, and inadequate care. If your loved one has been a victim of nursing home abuse, we're here to help you seek justice; contact us for a compassionate consultation.

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We understand that property owners have a responsibility to keep their property safe for visitors. Our firm handles premises liability cases like slip and falls, negligent security, dog bites, and other dangerous conditions that lead to injuries. If you've been injured on someone else's property, we're prepared to help you pursue compensation. Please get in touch with us to learn more.

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Accidents involving rideshare services can leave you feeling uncertain about your rights and next steps. We handle cases where passengers, drivers, or pedestrians have been injured due to the negligence of rideshare operators like Uber and Lyft. If you've been affected by a rideshare accident, we're here to help you navigate your legal options; please reach out to us for a consultation.

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We know that slip and fall accidents can cause serious injuries, impacting your daily life and ability to work. Our team assists with cases where unsafe conditions like wet floors, uneven surfaces, or poor lighting have led to accidents. If you've suffered a slip and fall injury, we're ready to help you seek the compensation you deserve; contact us to discuss your case.

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We recognize that accidents involving large trucks can result in devastating injuries due to their size and weight. Our firm handles cases involving driver fatigue, improper loading, maintenance failures, and other factors contributing to truck accidents. If you've been injured in a truck accident, we're here to advocate for your rights; reach out to us for a consultation.

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Experiencing the loss of a loved one because of someone else's negligence is an unimaginable hardship. We assist families with wrongful death claims stemming from incidents like fatal car accidents, medical malpractice, or workplace accidents. In this difficult time, we're committed to helping you seek justice and compensation; please contact us to discuss how we can support you.

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Workplace injuries can have a profound impact on your health and financial stability. Our team assists with workers' compensation cases involving on-the-job injuries, occupational diseases, and disputes over benefits. If you've been injured at work, we're ready to help you pursue the compensation you deserve; get in touch with us to learn how we can assist you.

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As a Charlotte bankruptcy law firm, we represent clients for Chapter 7 and Chapter 13 consumer bankruptcy filings in North Carolina. Our team helps clients make informed decisions about their financial future and provides the right legal representation to navigate the bankruptcy process with ease. You’ll work hand in hand with your Charlotte bankruptcy lawyer to gather information and file your bankruptcy petition. We’re with you every step of the way.

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At The Layton Law Firm. we know that buying or selling a home is a significant event involving complex legal details. Our firm offers comprehensive assistance with residential real estate closings, handling everything from document preparation to final settlement. If you're preparing for a real estate closing, we're ready to help make the process smooth and straightforward; get in touch with us to discuss your needs.

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5-Step Personal Injury Case Process

  • Step 1: Free Consultation

    Contact us for a no-obligation case review where we’ll listen to your story, whether you’ve suffered injuries in a car accident, motorcycle crash, or slip and fall incident. We’ll evaluate your personal injury claim and explain your legal options in clear, straightforward language. Our team is available 24/7 to discuss cases ranging from pedestrian accidents to wrongful death claims.

  • Step 2: Investigation & Evidence Gathering

    Our team immediately begins building your case by collecting police reports, medical records, witness statements, and accident scene documentation. For complex cases like truck accidents, premises liability claims, or catastrophic injuries involving traumatic brain injury or spinal cord injury, we work with expert witnesses to establish liability. We thoroughly investigate every detail, from distracted driving evidence in rear-end collisions to safety violations in nursing home neglect cases.

  • Step 3: Filing Your Claim

    We handle all communication with insurance companies and file your claim with attention to every legal detail, whether it’s a rideshare accident with Uber or Lyft, a commercial truck crash involving FedEx or UPS, or a medical malpractice wrongful death case. Our experience with everything from bicycle accidents and dog bites to elder abuse and workers’ compensation claims ensures deadlines are met and your rights are protected. We navigate the complexities of multi-party liability in cases like hit and run accidents, drunk driving collisions, and delivery truck accidents.

  • Step 4: Negotiation & Settlement

    Using proven negotiation strategies, we fight for maximum compensation for your injuries, lost wages, and pain and suffering. Whether you’re a passenger injury victim, suffered burns in a semi-truck accident, or lost a loved one in a fatal accident, we aggressively pursue full recovery. If the insurance company refuses a fair settlement on your car accident claim, nursing home wrongful death case, or catastrophic injury matter, we’re fully prepared to take your case to trial.

  • Step 5: Resolution & Recovery

    Once we secure your settlement or verdict, we ensure you receive your compensation promptly so you can focus on healing from your injuries. Our work doesn’t end until you have the financial resources you need to cover medical expenses, rehabilitation costs, and move forward with your life. From birth injuries and construction accidents to wrongful death car accidents and motorcycle lane splitting accidents, we stand by our clients until justice is served.

  • Personal Injury Advocates

    We understand that an injury caused by someone else’s negligence can disrupt your life in unexpected ways. At The Layton Law Firm, we’re here to help you make sense of this challenging time. We’ll guide you through the legal process, carefully evaluate your case, and explore all your options together. Our team is dedicated to holding the responsible party accountable and securing the compensation you need to move forward.

    We handle a wide range of personal injury cases, from car accidents and slip and falls to more involved cases, like wrongful death and medical malpractice. Attorney Chris Layton is skilled at negotiating with insurance companies, he even teaches other attorneys about his methods. If the other party does not offer a fair settlement, we’re prepared to take your case to court. Rest assured, you won’t pay any attorney fees unless we recover compensation for you. Throughout the entire process, we’ll be by your side, answering your questions and offering the support you deserve.

  • Bankruptcy - Chapter 7 and 13

    An unexpected job loss, costly medical bills, or changes in your family circumstances can leave you in overwhelming debt. At The Layton Law Firm, we understand that bankruptcy may feel like your only option, and we’re here to guide you through it. You have more rights than you may realize when filing for bankruptcy, and we’re committed to protecting them. We work closely with you to safeguard your property and rights during and after the bankruptcy process, providing personalized advice so you can make the right decisions for your family.

    With extensive experience in Chapter 7 and Chapter 13 bankruptcy filings, we’re dedicated to making the process as smooth as possible. You’ll work hand in hand with our team to gather information and file your bankruptcy petition, we’re with you every step of the way. Our goal is to help you regain financial stability and peace of mind. Let us help you navigate this challenging time and move toward a brighter financial future.

Meet Founding Attorney Christopher D. Layton

Charlotte Personal Injury &
Bankruptcy Attorney

Meet Chris Layton, J.D., the founder and lead attorney of The Layton Law Firm. Chris holds a B.A. in Journalism from The University of Maryland at College Park and a J.D. from Wake Forest University. He is a member in good standing of the North Carolina Bar Association, the Federal Bar Association – Western District of North Carolina, and the Mecklenburg Bar Association. He has been practicing law in Charlotte since 2000 and currently focuses on the plaintiff’s needs and the individual needs of bankruptcy and real estate clients.

The Layton Law Firm focuses on the needs of clients who would otherwise be taken advantage of. Chris leads the firm in addressing the needs of people who have been harmed by the actions of others or who struggle financially.

20+ Years Serving North Carolina

Serving North Carolina

Including Charlotte, Davidson, Huntersville, Matthews, Monroe, Mint Hill, Pineville, Cornelius, Denver, Hickory, Shelby and more.
We also assist clients located outside of North Carolina, but injured in the state.

A Charlotte Car Accident & Injury Lawyer You Can Trust

At The Layton Law Firm, we put your needs first after an accident. We're dedicated to providing compassionate and effective representation to help you move forward. Trust us to advocate for your rights and work tirelessly on your behalf.

Client Reviews

With 90+ 5-star Google reviews, and over two decades of experience, you can feel confident choosing The Layton Law Firm for your legal needs.

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It was a great experience working with Chris. Very patient with all my questions. Highly recommend.

- Shannon V.

Mr. Layton is extremely talented, resourceful, and effective. His responsive and understanding manner made him easy to talk to and work with. I had a difficult legal matter and was extremely frustrated to approach dealing with it or discussing it, but he put my mind at ease, provided amazing advice, and solved my issue quickly. I have never had such stellar assistance from a lawyer who is competent and kind.

- Blayr N.

I felt this firm was very professional but also personally above and beyond with us. We had a very traumatic event in our family that required the services of Chris Layton. He was a great help to us in our time of need. I highly recommend!

- Bryce K.

I had a particularly confusing issue with a bank and Chris used his expertise to navigate to a successful conclusion. I have used Chris several times and will continue to do so. I have also recommended Chris to others.

- Dennis M.

Chris Layton was extremely helpful and informative. He always responded quickly to my emails and calls whenever I had questions. I would recommend him highly to anyone.

- Heather C.

Since I have known Chris all his life, he has always strived to be the best in whatever he has accomplished. I called him to ask him a question on Wills and Trust and he was so helpful with guiding me in the right direction. He doesn’t even practice in my state but took the time I needed to ease my concerns. As a lawyer I wish he was licensed in Delaware because Chris would be my number one choice. His knowledge and kindness can not be matched by another.

- Judith G.

My husband and I were in a car accident in January 2017. We called many personal injury law firms and felt most comfortable moving forward with Layton Law. The experience truly exceeded our expectations. Our lawyer, Chris Layton went above and beyond to help us through the entire ordeal. As the case developed, Chris guided us through each step of the process and did an excellent job communicating any case updates. My husband and I felt Layton Law was very professional, cared about our personal well-being, and fought for us to receive a fair settlement. We could not be happier with the outcome. I would highly recommend contacting Layton Law if you ever find yourself in need of a personal injury attorney.

- Kate T.

Chris is the greatest! He took my phone call both of the first two times I called and gave me very helpful information to get started. He made me feel comfortable and important, in that he expressed genuine concern for my situation and gave me prompt, courteous attention. I would recommend him for anyone I know, including family and friends.

- Roger V.

Not only was Chris easy to talk to,  he really knows his stuff! Really trustworthy guy and made dealing with my case easy and quick. I feel confident in recommending him to everyone I know, and even people I don’t. Best lawyer hands down!

- Ryan V.G.

I can’t say enough about how professional & helpful Chris Layton was during my personal injury suit after my auto accident. He covered everything in layman’s terms & was extremely helpful with all of my questions, issues, etc. I’ve recommended him to a few friends & they’ve all been happy with his services!

- Derek B.

Case Results

Our firm and our clients are often required to sign non-disclosure agreements when reaching favorable settlements. As a result, we do not disclose settlement or verdict amounts on our website. However, here are some of our most memorable recent cases.

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Our client was injured after jumping off a damaged lake dock. Initially, no settlement offer was made before a lawsuit was filed. However, after initiating legal action and conducting discovery, we successfully resolved the case through mediation, sparing our client from having to appear in court.

- Lake Dock Injury Case

Our client sustained a permanent disability after falling at a tourist attraction in Western North Carolina. Despite receiving low settlement offers early on, our firm escalated the case, ultimately securing a settlement that our client was more than satisfied with.

- Tourist Attraction Injury Case

Our client suffered life-altering injuries after slipping on liquid in a grocery store. Initially, the store denied all liability, leaving our client burdened with substantial medical bills and liens. After presenting our legal argument to the store, we successfully negotiated a settlement that exceeded our client’s expectations, despite the severity of her injuries.

- Grocery Store Slip-and-Fall Case

Our client was injured by a driver who was charged with DUI. Fortunately, our client sustained only minor injuries. During negotiations, our investigation uncovered that the same driver had been charged with another DUI several months later. This discovery led to the insurance company offering full policy limits to resolve our client’s claim.

- DUI Injury Case

Our client, a pedestrian crossing the street at night outside of a crosswalk, was struck by a vehicle. Initially, the at-fault driver’s insurance company denied liability. Despite this, our firm successfully secured the full insurance policy limits for our client. Because our client was under 18 and spent several days in the hospital, this case was especially personal for us. We were proud to have achieved the best possible outcome for him.

- Pedestrian Accident Case

Frequently Asked Questions

Quick answers to the most common questions we receive. Still have questions? Call to schedule your consultation.

  • How do I know if if I could have a personal injury case?

    The crux of a personal injury lawsuit is negligence. If another person or party was negligent, which led to harm to another person, then the negligent party can be legally held liable for the losses the victim suffered. As your personal injury lawyer, it’s our job to build a case demonstrating that the at-fault party was negligent.

    At The Layton Law Firm, we develop our theory of liability as a major part of your claim and focus on demonstrating the links between the incident, your injuries, and your material losses. If you’re not sure whether you have a case, we offer complimentary consultations to discuss your best course of action.

  • How much money is my car accident claim worth?

    Be wary of any car accident attorney who promises a certain amount of money for your car accident settlement. The amount you are able to secure after the accident depends on several factors, including the extent of your injuries and other losses and whether the at-fault driver is ordered to pay punitive (punishing) damages in addition to compensatory damages.

    Suppose the other driver was exceptionally reckless, such as driving under the influence of alcohol or drugs. In that case, we may advise you to take the case to trial, as a jury may award you punitive damages in addition to compensation for your material losses. During your complimentary case review, we will discuss what you can expect from based on the circumstances of your accident.

  • Should I talk to the trucking company after a crash?

    We advise our clients to refer all communications and queries from the other side, including the trucker’s employer or their insurance company, to our firm. At The Layton Law Firm, we have significant experience litigating truck accident claims, and in these often high-value cases, insurance companies will look for any excuse to minimize the extent of the victim’s losses, or even blame the victim for causing the accident.

    If you’re in pain or confused, especially if you are medicated, you may inadvertently jeopardize your claim. We respond to communications on your behalf, always looking out for your best interests.

  • Who can file a wrongful death lawsuit?

    North Carolina only permits the personal representative of the deceased to file a wrongful death lawsuit, with any settlement or jury award going to the deceased’s estate. A family member may be the personal representative, such as someone named as the executor of their will or court-appointed as the estate administrator. If the suit is successful, then the heirs and beneficiaries of the deceased’s estate should benefit from the addition of this money to the estate’s assets.

    Our firm’s success is based on the care and compassion that we have for our clients, and when they have lost a loved one in an avoidable accident, we believe they deserve the opportunity to seek justice.

  • What assets can I keep if I file for bankruptcy?

    The assets you are permitted to retain depend on the type of bankruptcy you file, Chapter 7 or Chapter 13. Our firm handles both types of individual bankruptcy filings and can advise you on the best way to retain as much of your property as possible.

    North Carolina law permits a homestead exemption for people filing bankruptcy, preserving a certain amount of equity (depending on your age). In addition, North Carolina law permits a motor vehicle exemption, as well as certain protections for retirement investments and pensions. This can allow you to stay in your home and use your car to get back and forth to work.

    During you consultation, we’ll review your circumstances and discuss which option makes the most sense for you.

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