Estate Planning and Personal Injury Blog

For the driven entrepreneur in North Carolina, building a business from the ground up is a monumental achievement. It’s a testament to countless hours of hard work, strategic risk-taking, and an unwavering passion for your craft. Your business is more than just a source of income; it’s a significant asset, a source of pride, and a legacy for your family and community. But what happens to this legacy when you’re no longer at the helm? Who will take the reins? How will your family be provided for? These are the critical questions that a well-crafted estate plan can answer. For business owners across North Carolina, from the bustling hubs of Charlotte and Raleigh to the thriving main streets of smaller towns, estate planning isn't a mere suggestion—it's an absolute necessity. It’s the ultimate act of business leadership, ensuring the smooth transition of your company and the financial security of your loved ones. Navigating this complex intersection of business law and personal estate planning requires a skilled and trusted guide. Dwayne Pennant, the Founding Attorney of Pennant Law Offices, PLLC, is one of North Carolina's trusted estate planning lawyers, offering dedicated and knowledgeable counsel to entrepreneurs who wish to protect everything they’ve built. This guide will illuminate the key components of estate planning for business owners in the Tar Heel State and explain why partnering with an attorney like Dwayne Pennant is crucial for your peace of mind and your company's future. Why Standard Estate Plans Fall Short for Business Owners Many people believe a simple will is all they need for their estate plan. While a will is a fundamental starting point, it is often woefully inadequate for the unique challenges faced by a business owner. A standard plan typically fails to address the complex questions that arise when a business is a primary asset: Business Continuity: Who has the legal authority to make decisions, pay employees, and manage daily operations immediately following your death or incapacitation? Without a clear plan, your business could grind to a halt, jeopardizing its value and stability. Ownership Transition: How will ownership of the business be transferred? Will it be sold? Passed to a family member? Transferred to a key employee or co-owner? Each path has significant legal and tax implications. Valuation Disputes: How is the value of your business determined? A lack of a pre-determined valuation method can lead to costly disputes among heirs, business partners, and the IRS. Liquidity and Estate Taxes: Your business is a valuable asset, but it may not be a liquid one. If your estate owes taxes, how will they be paid without forcing your heirs to sell the business under duress? Failing to address these issues can unravel a lifetime of work, creating conflict for your family and potentially leading to the forced sale or failure of the very business you fought so hard to build. The Cornerstone of Your Business Legacy: The Succession Plan At the heart of estate planning for any business owner is a robust succession plan. This is your detailed roadmap that outlines the future of your company in the event of your retirement, disability, or death. A comprehensive succession plan is not a single document but a collection of legal instruments and agreements working in concert. Key Components of a North Carolina Business Succession Plan: Buy-Sell Agreements: This is arguably the most critical document for any business with multiple owners. A buy-sell agreement is a legally binding contract that dictates how a departing owner’s share of the business will be handled. It typically outlines: Triggering Events: Defines the events that would trigger a buyout, such as death, disability, retirement, or even divorce. Valuation Method: Establishes a clear, agreed-upon formula for determining the price of the business interest, preventing future conflicts. Funding Mechanism: Specifies how the purchase will be funded. Often, this is accomplished through life insurance policies taken out on each owner, providing immediate liquidity to buy out the deceased owner's share from their estate. Trusts for Business Interests: Placing your business interests into a trust can be a powerful estate planning tool. A trust allows you to maintain control over the asset during your lifetime while providing clear instructions for its management and distribution after your passing. Revocable Living Trust: This allows you to transfer ownership of your business to the trust, with you acting as the trustee during your lifetime. Upon your death or incapacitation, your designated successor trustee can step in immediately to manage the business, completely bypassing the lengthy and public probate process. This ensures seamless continuity. Irrevocable Trusts: In some cases, more advanced strategies using irrevocable trusts can be used to move the business out of your taxable estate, potentially saving your heirs a significant amount in estate taxes. Updated Operating Agreements and Bylaws: For LLCs and corporations, your foundational documents must align with your estate plan. Your LLC's operating agreement or your corporation's bylaws should clearly define what happens to a member's or shareholder's interest upon death, ensuring the transition process is smooth and legally sound according to North Carolina law. Integrating Your Business Plan with Your Personal Estate Plan Your business is likely your largest asset, and its fate is inextricably linked to the financial well-being of your family. A holistic estate plan, therefore, must integrate your business succession goals with your personal wishes. The Will and Pour-Over Will: Your will remains essential for naming a guardian for minor children and directing the distribution of your personal assets. When used in conjunction with a trust, a "pour-over will" serves as a safety net, directing any assets not already in the trust to be "poured into" it upon your death. Powers of Attorney: What if you become incapacitated and are unable to run your business or manage your finances? Durable Power of Attorney for Finances: This document allows you to appoint a trusted agent to manage your financial affairs, including making business decisions, if you are unable to do so. Health Care Power of Attorney: This appoints an agent to make medical decisions on your behalf if you become incapacitated. Equalization of Assets: If you have multiple children, but only one is active in the business, how do you treat them fairly? Your estate plan can address this by using other assets, such as life insurance proceeds or investment accounts, to "equalize" the inheritance for the non-participating children, preventing family discord. The Pennant Law Offices Approach: A Partnership in Legacy Protection Creating such a sophisticated and integrated plan is not a DIY project. The complexities of North Carolina business law, trust administration, and tax codes require the steady hand of a dedicated professional. This is the value that Dwayne Pennant and Pennant Law Offices, PLLC, bring to their clients. Dwayne Pennant’s journey into law was forged by a deep-seated desire to help and protect others, a calling inspired by personal experience and nurtured through dedicated mentorship. He understands that for a business owner, their company is deeply personal. His approach is not about simply drafting documents; it's about building a relationship founded on trust and a thorough understanding of your unique goals, both for your business and your family. When you work with Pennant Law Offices, you can expect: A Comprehensive Consultation: Dwayne takes the time to listen. He wants to understand the story of your business, your family dynamics, and your ultimate vision for the future. Tailored, Strategic Planning: Recognizing that no two businesses are alike, Dwayne customizes every estate and succession plan to fit the specific needs of the client, ensuring all legal instruments work together harmoniously. Clear and Transparent Communication: The world of estate planning can be filled with jargon. Dwayne is committed to explaining complex legal concepts in plain English, empowering you to make informed decisions with confidence. A Long-Term Partnership: An estate plan is not a "set it and forget it" document. As your business grows, your family changes, and laws evolve, your plan will need to be reviewed and updated. Pennant Law Offices is dedicated to being your long-term legal partner on this journey. Take the Most Important Step for Your Business’s Future You've poured your life into building a successful enterprise in North Carolina. Now is the time to protect it. Don't leave the fate of your business and the security of your family to chance. Proactive, comprehensive estate planning is the final, and perhaps most important, pillar of your success. It ensures that your legacy is one of stability, security, and thoughtful preparation, not one of chaos, conflict, and uncertainty. If you are a business owner in North Carolina, take the decisive step to secure everything you've worked for. Contact Dwayne Pennant at Pennant Law Offices, PLLC, to schedule a consultation. Begin the crucial conversation about your business's future and your family's legacy today.

The screech of tires, the jarring impact, the sight of multiple vehicles entangled in a chaotic scene – a multi-car accident is one of the most frightening and disorienting experiences a driver can face on Massachusetts roads. The immediate aftermath is a whirlwind of confusion, adrenaline, and concern for everyone's safety. But as the initial shock subsides, a flood of questions and complexities arises. Who is at fault? How will medical bills be paid? What are the crucial first steps to protect your rights? In the intricate landscape of Massachusetts auto insurance and liability laws, a multi-car pile-up presents unique challenges that can overwhelm even the most seasoned driver. This is where the guidance of a knowledgeable and compassionate legal professional becomes invaluable. Dwayne Pennant, the Founding Attorney of Pennant Law Offices, PLLC, is one of Boston, Massachusetts' trusted car accident lawyers, dedicated to helping individuals navigate the turbulent waters of personal injury claims with a steady and experienced hand. This comprehensive guide will walk you through the essential steps to take after a multi-car accident in Massachusetts, shed light on the complexities of determining fault, and explain how an experienced attorney like Dwayne Pennant can be your staunchest ally in securing the compensation you deserve. Immediate Steps at the Scene: Ensuring Safety and Preserving Evidence In the chaotic moments following a multi-car collision, your priority is safety. Here’s a checklist of immediate actions to take: Assess for Injuries and Call 911: The first and most critical step is to check on the well-being of yourself, your passengers, and the occupants of all other vehicles involved. If anyone is injured, call 911 immediately to request medical assistance and report the accident. Even if injuries seem minor, it is crucial to have a law enforcement officer at the scene to create an official report. Move to a Safe Location (If Possible): If your vehicle is operable and it is safe to do so, move it to the shoulder of the road to avoid further collisions and to keep traffic flowing. If your car is disabled, turn on your hazard lights. Exchange Information: Massachusetts law requires drivers involved in an accident to exchange information. Politely obtain the following from all drivers: Names and contact information Driver's license numbers License plate numbers Auto insurance company names and policy numbers Document the Scene Meticulously: In the age of smartphones, you have a powerful evidence-gathering tool in your pocket. Take numerous photos and videos of the accident scene from various angles, capturing: The positions of all vehicles The damage to all vehicles Skid marks on the road Any relevant traffic signs or signals The weather and road conditions Speak to Witnesses: Independent witness testimony can be invaluable in a multi-car accident where accounts may differ. If there are any bystanders who saw the collision, ask for their names and contact information. Do Not Admit Fault: In the heat of the moment, it's natural to want to apologize, but it's crucial to avoid admitting fault. A simple "I'm sorry" could be misconstrued by insurance companies as an admission of liability. Stick to the facts when speaking with other drivers and the police. The Intricacies of Fault in Massachusetts: Modified Comparative Negligence Determining who is legally responsible for a multi-car accident in Massachusetts is rarely straightforward. The Commonwealth follows a "modified comparative negligence" rule. This legal doctrine dictates that you can only recover damages if you are found to be 50% or less at fault for the accident. If your percentage of fault is 51% or more, you are barred from recovering any compensation from other at-fault parties. Furthermore, any compensation you are awarded will be reduced by your percentage of fault. For example, if you are deemed 20% at fault for the accident and your total damages are $100,000, your award will be reduced by 20%, leaving you with $80,000. In a multi-car pile-up, the lines of fault can become incredibly blurred. The driver who initiated the first impact may not be the only one liable. For instance, a driver who was following too closely and couldn't stop in time, or a driver who was distracted and reacted slowly, could also share a percentage of the fault. This is why a thorough and professional investigation is paramount. The Role of "No-Fault" Insurance and Personal Injury Protection (PIP) Massachusetts is a "no-fault" insurance state. This means that, regardless of who is at fault, your own auto insurance policy's Personal Injury Protection (PIP) coverage is the primary source for paying for your initial medical expenses and a portion of your lost wages. PIP in Massachusetts provides up to $8,000 in benefits. It's important to understand the nuances of PIP: For Car Drivers: Your own PIP coverage will pay for your medical bills up to the $8,000 limit. The $2,000 Tort Threshold: To step outside of the no-fault system and pursue a claim for pain and suffering and other non-economic damages against the at-fault driver(s), you must have incurred at least $2,000 in reasonable and necessary medical expenses, or have suffered a bone fracture, permanent and serious disfigurement, or loss of sight or hearing. In a multi-car accident, where injuries can be severe, reaching this $2,000 threshold is often a given. However, the complexities of dealing with multiple insurance companies and proving the extent of your damages underscore the need for skilled legal representation. How a Trusted Attorney Like Dwayne Pennant Can Make the Difference The aftermath of a multi-car accident is a legal minefield. Insurance companies, whose primary goal is to minimize their payouts, will launch their own investigations. You may be contacted by multiple adjusters, each with their own agenda. This is not a battle you should fight alone. Dwayne Pennant, of Pennant Law Offices, PLLC, brings a wealth of experience and a deeply personal commitment to his clients. He understands that behind every case is a human being whose life has been disrupted. Inspired by a personal family tragedy and mentored by a seasoned personal injury lawyer, Dwayne's approach to law is built on a foundation of trust, communication, and relentless advocacy. Here’s how a dedicated attorney like Dwayne Pennant can champion your cause: Conducting a Thorough Investigation: Pennant Law Offices will leave no stone unturned in determining the true cause of the accident. This may involve: Obtaining and analyzing the official police report. Interviewing witnesses. Gathering and preserving all photographic and video evidence. Working with accident reconstruction experts to scientifically analyze the collision sequence in complex pile-ups. Navigating the Complexities of Insurance: Dwayne Pennant and his team will handle all communications with the multiple insurance companies involved, shielding you from the pressure tactics of adjusters. They will ensure that all necessary paperwork is filed correctly and on time, and they will fight to ensure you receive the full benefits you are entitled to under your PIP coverage. Building a Compelling Case for Compensation: Once the tort threshold is met, Pennant Law Offices will build a powerful case to recover the full extent of your damages, which can include: Past and future medical expenses Lost wages and loss of future earning capacity Pain and suffering Emotional distress Property damage Providing Personalized and Compassionate Guidance: What sets Dwayne Pennant apart is his unwavering commitment to his clients. He understands the physical, emotional, and financial toll a serious accident can take. His firm is built on the principle of a strong attorney-client relationship, ensuring you are kept informed and supported throughout the entire legal process. You are not just a case file; you are a person with a story that deserves to be heard. Your Road to Recovery Starts with the Right Advocate Being involved in a multi-car accident in Massachusetts can be a life-altering event. The road to physical, emotional, and financial recovery can be long and arduous. But you do not have to walk it alone. By taking the right steps at the scene, understanding your rights under Massachusetts law, and enlisting the help of a trusted and experienced car accident lawyer, you can ensure that your interests are protected and that you receive the justice and compensation you deserve. If you or a loved one has been a victim of a multi-car accident, do not hesitate to seek legal counsel. Contact Dwayne Pennant at Pennant Law Offices, PLLC, for a consultation. Let his experience, dedication, and compassionate approach guide you through this challenging time and help you on your journey to recovery.

Car accidents can be traumatic experiences, leading to both visible injuries and less obvious ones that may take time to manifest. In Massachusetts, where road conditions can vary dramatically with the seasons, being involved in a car accident is not uncommon.  After such an incident, it's crucial for individuals to seek medical treatment immediately, not only for their health but also to strengthen any potential personal injury claims. Dwayne Pennant, the founding attorney of Pennant Law Offices, PLLC, is an experienced auto accident lawyer in Massachusetts who understands the intricacies of personal injury law and the critical role that timely medical intervention plays. Why Immediate Medical Attention is Crucial 1. Identifying Hidden Injuries Many car accident injuries, such as whiplash, concussions, or internal injuries, may not show immediate symptoms. Delaying medical treatment could lead to complications or chronic conditions that are harder to treat. Immediate medical evaluation ensures that all injuries, apparent or not, are professionally assessed. 2. Documentation for Legal Purposes Medical records serve as crucial evidence in personal injury cases. They provide a documented link between the accident and your injuries, which is essential when seeking compensation. Without this documentation, it can be challenging to prove that the injuries were a direct result of the accident. 3. Fulfilling Legal Obligations Massachusetts law requires that any car accident involving bodily injury or significant property damage be reported to the police. Receiving prompt medical treatment not only complies with legal requirements but also establishes an official record of the event and its impact on your health. 4. Mitigating Further Health Risks Prompt medical attention can significantly reduce the risk of long-term complications from injuries sustained in the accident. Early intervention is often key to a full recovery. How Delaying Medical Treatment Can Impact Your Claim Delaying medical treatment after a car accident can have several adverse effects on a personal injury claim: Questioning of Claim Validity: Insurance companies often scrutinize claims where there is a significant delay between the accident and the onset of treatment. They might argue that the injuries were not serious or were unrelated to the accident. Reduced Compensation: Delays can lead to a perception that the injuries were not severe, potentially reducing the amount of compensation awarded. Complications in Legal Strategy: Lack of immediate medical documentation makes it harder for your attorney to establish a clear, causal link between the accident and the injuries. How Pennant Law Offices, PLLC Can Help Dwayne Pennant and his team at Pennant Law Offices, PLLC specialize in auto accident law and understand the nuances of personal injury claims in Massachusetts. Here’s how they can assist you: Legal Guidance Post-Accident The moments following a car accident can be chaotic and confusing. Pennant Law Offices can provide immediate legal guidance on how to proceed, ensuring that you do not inadvertently harm your potential claim, such as by admitting fault at the scene or failing to gather evidence correctly. Handling Insurance Negotiations Dealing with insurance companies can be daunting. Dwayne Pennant has extensive experience negotiating with insurers to ensure that his clients receive the full compensation they deserve, based on the medical evidence and the long-term impact of their injuries. Comprehensive Claim Management From gathering the necessary documentation to representing you in court if needed, Pennant Law Offices handles every aspect of your claim. They ensure that all filings are timely and meet the stringent requirements of Massachusetts law, allowing you to focus on your recovery. Advocating for Full Compensation Pennant Law Offices diligently works to secure compensation not only for medical expenses but also for lost wages, pain and suffering, and other damages. They understand the profound impact a car accident can have on your life and advocate fiercely on your behalf. The Importance of Legal Expertise in Car Accident Cases Legal expertise is invaluable in car accident cases, particularly in Massachusetts, where the laws governing personal injury can be complex. An experienced attorney like Dwayne Pennant can navigate these complexities and work to ensure that your rights are protected. With a deep understanding of both the legal landscape and the healthcare implications of auto accidents, Pennant Law Offices is equipped to handle your case with the competence and empathy it deserves. Conclusion Seeking immediate medical treatment after a car accident in Massachusetts is crucial for both your physical recovery and the strength of your legal claim. Engaging with a knowledgeable attorney like Dwayne Pennant from Pennant Law Offices, PLLC can significantly enhance your ability to secure adequate compensation. Their comprehensive approach to handling auto accident claims ensures that every aspect of your case is meticulously managed, from initial medical treatment documentation to final settlement negotiations. If you’ve been involved in a car accident in Massachusetts, don’t hesitate to seek medical attention and legal support. Contact Pennant Law Offices, PLLC to ensure your rights are safeguarded and you receive the compensation you deserve. Visit Pennant Law Offices, PLLC for more information or to schedule a consultation.

The use of cell phones while driving has become an increasing concern for road safety in Massachusetts. Distracted driving is a leading cause of car accidents, and cell phone use is one of the most common forms of distraction behind the wheel. In this blog post, we will explore the impact of cell phone use on car accidents in Massachusetts and how Pennant Law Offices, PLLC can help those affected by distracted driving accidents. According to the National Highway Traffic Safety Administration (NHTSA), distracted driving claimed 2,841 lives in 2018 alone. In Massachusetts, distracted driving is a leading cause of car accidents, with cell phone use being one of the most common forms of distraction. The use of cell phones while driving can cause a range of distractions, including visual, manual, and cognitive distractions. Visual distractions occur when the driver takes their eyes off the road, while manual distractions occur when the driver takes their hands off the wheel. Cognitive distractions occur when the driver takes their mind off the task of driving. Using a cell phone while driving can cause all three types of distractions, making it one of the most dangerous forms of distracted driving. Texting while driving is one of the most dangerous forms of cell phone use while driving. Texting requires visual, manual, and cognitive attention, making it a highly distracting activity. According to the NHTSA, texting while driving is six times more likely to cause a car accident than driving while intoxicated. How Pennant Law Offices, PLLC Can Help If you have been involved in a car accident caused by cell phone use, it is important to seek the guidance of an experienced auto accident attorney like Pennant Law Offices, PLLC. Our team has extensive experience representing clients who have been involved in distracted driving accidents in Massachusetts. We can help you understand your legal rights and explore all options for recovery. Our experienced attorneys can handle all aspects of your case, including negotiating with insurance companies, filing legal claims, and representing you in court. We can help you obtain compensation for your medical bills, lost wages, property damage, and pain and suffering. In addition, Pennant Law Offices, PLLC offers a free consultation to discuss your case and provide you with the guidance and support you need. We understand the challenges and complexities of dealing with distracted driving accidents and are committed to helping you achieve a fair and just outcome. The impact of cell phone use on car accidents in Massachusetts is significant, and distracted driving is a leading cause of accidents on our roads. If you have been involved in a car accident caused by cell phone use, it is important to seek the guidance of an experienced auto accident attorney. Pennant Law Offices, PLLC can help you understand your legal rights and explore all options for recovery. Don't hesitate to contact us today to schedule a free consultation and learn more about how we can help you.

Estate planning is the process of making a plan for the management of your assets and finances in the event of death or incapacitation. It’s important to be aware of estate planning tips that are tailored to families in North Carolina. It is important to note that according to a 2021 wills and estate planning survey by Caring.com, 33% of U.S. adults have a will, while only 27.5% of African American families have one. Pennant Law Offices, PLLC has compiled a list of 10 tips to help you get started with your estate plan.  1. Create an Estate Plan This should be your first step in any estate planning process—creating an estate plan. An estate plan will ensure that your wishes are carried out and that you have control over how your assets and finances are managed after death or incapacity. Having an up-to-date estate plan can provide peace of mind and help prevent costly legal battles down the line. 2. Choose an Executor Once you have created your estate plan, it’s time to choose someone to execute it. Your executor is responsible for carrying out the instructions you set forth in your plan, so make sure they are trustworthy and capable of carrying out these instructions. You should also discuss these instructions with them beforehand so they know exactly what is expected of them. 3. Consider Family Dynamics Family dynamics can be complicated, especially when there are many people involved and various interests at stake. Make sure to take into account any potential conflicts between family members when creating your estate plan, as this can help avoid any future disputes about who should receive what assets or finances upon death or incapacity. 4. Have Beneficiaries Designated Make sure that all beneficiaries have been designated ahead of time so there will be no confusion about who should receive what upon death or incapacitation—this includes designating guardians for minor children if applicable! Doing so will help ensure that each beneficiary receives what they need without any conflict or delays due to legal processes after the fact. 5. Update Your Documents Regularly It’s important to review and update your documents regularly as laws change frequently and life circumstances may also change over time (such as marriage, divorce, etc.). This will ensure that all information remains accurate and up-to-date at all times. This is especially true if you move states or countries since laws may differ from one jurisdiction to another! 6. Consider Taxes and Liabilities When creating an estate plan, it’s important to consider taxes and liabilities associated with owning property (such as real estate) or other assets (such as stocks). Taking into account potential tax implications before creating a plan can save money down the line by lessening any tax burden on inheritors after death. 7. Create a Will Creating a will is essential for anyone—regardless of race—who wants their wishes respected after their passing away from this world; however, it’s especially important for African Americans due to how often wills are contested by relatives who may not agree with the terms set forth by the deceased person’s wishes. Making sure all wishes are explicitly stated within a legally binding document helps minimize potential disputes between heirs later on down the road. 8. Choose Wisely Who Will Manage Assets After Death/Incapacity Choosing who will manage assets after death/incapacity is a critical decision during the estate planning process; this person(s) must be trusted implicitly because they will be responsible for distributing assets according to wishes outlined within a will/trust document(s). In addition, they must understand financial matters related to managing investments/assets properly while taking into consideration taxes and liabilities associated with ownership/distribution as well. 9. Understand State Laws and Regulations Each state has its own set of laws and regulations regarding inheritance rights; make sure you understand these before creating an estate plan so there won’t be any confusion about who gets what when it comes time for distribution. Additionally, understanding state laws and regulations can help protect against potential fraudsters trying to take advantage during times when emotions run high near end-of-life matters (i.e. funeral arrangements). 10. Consult With A Professional Finally – Consult with an experienced Estate Planning Lawyer such as Dwayne Pennant, The Founding Attorney at Pennant Law Offices, PLLC, before making decisions regarding estate plans and inheritance issues. Doing so ensures that everything has been taken into consideration properly from both legal and financial perspectives, before filing anything official with local probate courts. Estate planning is a complex process but necessary for protecting yourself and those closest to you against unexpected events such as death or incapacitation. Pennant Law Offices PLLC’s top 10 tips provide families in North Carolina with valuable insight into how best to prepare themselves for such eventualities and ensure their wishes remain intact throughout life’s changing circumstances. By following these tips carefully and consulting with Pennant Law Offices, PLLC where needed, you can rest assured knowing your loved ones are taken care of no matter what happens in life.

A car accident can be a traumatic event, and it’s important to know what steps to take in the wake of an accident. If you live in Massachusetts, then you’ll want to make sure you avoid these 10 common mistakes that can have a significant impact on your insurance claim or lawsuit. Pennant Law Offices, PLLC are here to help guide you through the process so that you can get the representation you deserve.  1. Don’t Leave the Scene of an Accident Leaving the scene of an accident could result in criminal charges being brought against you, regardless of who was at fault for the crash. As soon as possible, move your vehicle out of the roadway so that it is not blocking traffic and exchange information with all other drivers involved in the crash. 2. Don’t Forget to Take Photos Photos taken at the scene of an accident are invaluable evidence for any potential claims or lawsuits stemming from the crash. Be sure to take pictures before anything is moved or touched and try to capture images from several angles if possible. 3. Don’t Hesitate To Seek Medical Attention Even if there are no visible injuries, medical attention should still be sought immediately following a car accident because many injuries do not manifest themselves until hours or days later. Make sure that all medical appointments related to your auto accident are documented and kept track of with receipts or invoices for future reference. 4. Don’t Admit Fault While it may seem like a polite gesture, admitting fault after an auto accident is never wise, even if you believe yourself to be at fault for causing it; doing so could weaken any future legal claims related to your case. When speaking with police officers or insurance adjusters following an auto accident, stick only to basic facts about what happened without admitting any fault whatsoever. 5. Don’t Lose Your Temper Emotions tend to run high during and after a car accident but try not to lose your temper; lashing out at other drivers will only complicate matters further and serve as ammunition for opposing counsel should your case go to court down the line for any reason. 6. Don’t Neglect To File An Accident Report Immediately file a police report after any auto accidents; failure to do so could severely hamper any potential claims or lawsuits stemming from the crash later on down the road. 7. Don’t Accept Early Settlement Offers Insurance companies may offer low-ball settlements soon after an auto accident in order to save money; however, these offers rarely provide sufficient compensation given all factors pertaining to each individual case. 8. Don’t Talk To The Other Driver’s Insurance Company Never speak directly with another driver’s insurance company without having consulted with a qualified attorney first… 9. Don’t Wait Too Long To File A Claim In Massachusetts, personal injury cases must be filed within three years from the date of occurrence otherwise they will become void forever. 10. Don’t Handle Your Case On Your Own Navigating complex legal matters can be difficult without proper counsel and guidance; an experienced attorney who specializes in auto accidents can maximize the financial compensation available under the law. If you have been injured in a Massachusetts car accident due to negligence on behalf of another motorist, then it’s important that you understand how to best protect yourself legally immediately after such events occur. You will automatically achieve the best results by avoiding these ten common mistakes mentioned above as much as possible, and seeking knowledgeable counsel from an experienced professional such as Dwayne Pennant, Founding Attorney at Pennant Law Offices, PLLC, who is dedicated to giving his client the best representation they need so that they can receive the best care and compensation they deserve.

Death is an inseparable part of life, and the process of dying may be heartbreaking. Perhaps what can be more tragic is dying and leaving loved ones feuding over your legacy. Fortunately, you control many aspects of that process and how your legacy is passed on by creating an estate plan. The following few paragraphs will review the legal and practical steps you should take to plan for the final disposition of your life and legacy. Estate Planning: Inventory List As they say, “failing to plan is planning to fail,” and irrespective of the size of your estate, everyone needs to create an estate plan. The first step is to take an inventory of the property in your estate. Taking stock of your property will better help you to decide what estate plan fits your needs. You can do this by listing the personal belongings and real estate that you, your spouse, or your partner own. Property such as your clothing, car, collectibles, television, laptop, homes, jewelry, furnishings, bank accounts, digital assets (i.e., airline miles, cryptocurrencies and etc.), and investments. Lastly, list all of your creditors and debts. Identifying your assets and debts will give you an accurate picture of your estate and provide the foundation for choosing the best estate plan that fits your needs and achieve your objectives. Estate Planning: Wills and Trusts 101 After taking inventory of your property, the next step in creating an estate plan is choosing which estate plan option best carries out your dying wishes, safeguards your assets, and then distributes them according to your instructions. The three main options to distribute your property to its new owner through intestate (i.e., die without a will), testate (i.e., die with a will), or by a trust. The way your property gets distributed will depend on your wants. You want to avoid the courts probating and administration process. You want the distribution of your property to be private or public. You want your presumptive heirs to receive the property outright or periodically. You want to do nothing. If you desire to have privacy and more control and reduce tax liability, then creating a trust will benefit you more than creating a will. When it comes to estate administration/probate, as an estate planning and administration attorney, I’ve seen a lot of estate plans and estate documents over the years. Poor estate planning leads to loved ones being left out of an inheritance, family feuds, a lot of time spent at the courthouse, and high estate fees. Proper estate planning can mitigate all of your estate planning concerns, so choose wisely. Estate Planning: Advance Care Documents After choosing the estate plan option that best fits your needs, the next step is planning for illness, incapacitation, or old age. Statistically speaking, if you are under the age of sixty you are more likely to become disabled than you are to die. Understand that for any reason that you choose, as long as you are competent, the right to accept or refuse medical treatment is your own. However, seldomly do you consider who decides what should happen to you if you become incompetent or incapacitated and have not yet communicated your wishes. For that reason, every estate plan should include the following documents a health care power of attorney, durable power of attorney, and a living will. I like to call these your H.D.L. of estate planning, which is good to have because they help to protect you and your wishes when you are physically and mentally unable to do so. A healthcare power of attorney is a document that creates an agency relationship where you, the principal, choose an agent who can make healthcare decisions for you in the event that you become incapacitated or incompetent. A durable power of attorney is a document that creates an agency relationship where you, the principal, choose an agent who acts over your financial matters in the event that you become incapacitated or incompetent. Finally, a living will is a document that expresses your healthcare desires to a physician in the event that you are in a terminal condition and are unable to communicate them. You may recall the notable but tragic story of Jean-Pierre Adams, a soccer superstar who spent 39 years in a coma after a knee injury gone wrong. Or, the sad and publicized legal story of Terri Schiavo, who spent 15 years in a coma before having her feeding tube removed by a Florida Court at her husband’s request. As those cases have shown, these advance directives decisions are an essential part of your estate plan. How Can Pennant Law Offices Help You with Your Estate Plan? At Pennant Law Offices, we plan for your future by creating a customized estate plan that best meets your unique needs. We will advise you on the best way to pass on a legacy that you desire. We provide a hands-on approach to educating you about your estate plan and the responsibility and roles of the people you choose to carry out your estate plan desires. Contact your Charlotte Estate planning attorney Dwayne Pennant to develop your estate plan strategy. At Pennant Law Offices, PLLC, your rights and legacy are our passion.