Joe Walters is a 35-year-old single man living in Palo Alto, California.
He owns and manages his own personal transport company which he has kept running by himself for the past four years. He likes being in control of his own life, routine and income - and he has some money put away in savings for when he decides that he needs a break or has to cover an emergency like a flat tire.
His business is doing well this year, and he hopes to expand his business further with the addition of a new truck. He makes an appointment with the right people at the bank for a business loan to cover the expansion of his business, and the loan is approved: The bank agrees that a new truck would be a good investment for his business and they decide to cover the majority of the money that he needs to do it.
On the way home from the bank, he decides that he should stop at his local gas station and get something to eat. It’s been a long day and he needs to stretch his legs after a particularly long wait - but good news.
He parks in front of the gas station and walks straight to the deli counter.
When he gets to the front of the line, he realizes that he left his wallet in the car. He tells the attendant that he’ll be right back and walks to the exit.
His good-news day turns into a bad one when he slips on a wet spot on the floor and goes down. It’s a particularly bad fall and he can’t move. The pain is unlike anything he has ever felt before. He uses his cellphone to call 911 and dispatch an ambulance to the gas station.
At the hospital, the attending doctors immediately order that x-rays be taken: It’s discovered that he’s shattered his hip and dislocated his ankle. The dislocation is put back in place immediately, but the broken hip has to be operated on before he will be able to move again.
He has to call a local trucking company to pick up his car from the gas station and bring it back to his house. This is an added expense that he doesn’t need.
The cost of the surgery is more than his health insurance is willing to cover and he has to use most of his savings to pay for the rest. When he’s released from hospital, he’s booked off active work for at least twelve weeks while he recovers.
During this recovery time, he’s contacted by the bank who says they have noticed that his financial situation has changed. This means that they are no longer willing to cover the cost of the loan because he’s considered a riskier type of client than he was before his accident took place.
According to the gas station, they don’t keep surveillance footage records for longer than 48 hours, and they tell Joe that he did not slip and fall inside the gas station but that it must have happened when stepping into his car instead. The gas station refuses to take any responsibility for what happened.
Joe’s business takes a considerable knock during this period, and the resulting pain from the injury means that he is no longer able to do long-distance trips without considerable constant pain. This means that his time of delivery has changed because he has to make more regular stops due to pain, and his customers are no longer happy with the performance of his work.
Things aren’t going as well as they were a few months ago, and the pain from John’s hip injury has affected his job and every other aspect of his life.
If the above-referenced scenario sounds familiar to you, contact a law firm today.