Steve Roberts, LLC
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A semi-truck accident can leave you devastated physically, financially, and emotionally. When disaster strikes, you’ll need a truck accident lawyer on your side to help with your Denver claim.
Denver is a major hub for interstate travel, and semi-trucks are everywhere, transporting goods and moving the things we need every day. You might have driven beside an 18-wheeler on I-25, or you may have seen one or several while driving down Alameda Avenue. Unfortunately, you may have also encountered one because of a severe crash.
Unfortunately, despite all the advancements in safety regulations, there are still truck accidents that occur every day throughout the country. If you or a loved one have suffered injuries, had a passenger pass away as a result of the accident, or have lost wages due to a lengthy recovery, you may be entitled to compensation. Often, these large commercial trucking companies have legal teams of their own, ready to defend the company against injury or wrongful death claims. This is why you need a legal team on your side that understands not only the commercial trucking industry but also how to get you the maximum compensation possible for your unique situation. Call a Denver truck accident lawyer for the help you need when you’re severely injured.
When a big rig is involved in an accident, it can be life-shattering for all involved. The sheer size and weight of an 18-wheeler or semi-truck are enough to cause a great deal of damage to smaller vehicles on the road during a trucking accident. Add in the speed of these vehicles when the collision happens, and it’s no wonder these types of accidents often result in injuries or fatalities.
Semi-Trucks and 18-Wheeler Accidents Statistics
According to the National Highway Traffic Safety Administration, in 2019, 5,005 fatalities occurred in the United States due to large trucks. Over 3/4s of these fatal truck accidents occurred during weekday business hours. Only 2% of these drivers had illegal blood alcohol content. In addition, slightly under 3/4s of these fatalities were passengers in the other vehicles involved in the collision, with over ¼ of the fatalities being the driver in the large truck. It’s easy to see why commercial truck accidents can upend a person’s life, from property damage to severe injuries. Losing a loved one in a truck accident can be challenging to handle.
Commercial drivers and their employers are under much stricter rules regarding their vehicles and driving habits. Often, semi-truck accidents can occur due to these regulations not being followed. These regulations can cover:
Even laws that cover all drivers can be more strict regarding commercial drivers, such as a lower blood alcohol content level to be considered impaired when behind the wheel and more intense driver education and training.
There are times when the collision involving the semi-truck isn’t the only issue involved. Sometimes, the cargo the driver is hauling can be dangerous to the public. These vehicles must be marked, and there are different requirements for what can be transported in certain types of trailers. When an accident with hazardous cargo occurs, there’s always the chance that you could be harmed by the chemicals or other items being carried. It can result in burns, vision loss, lung damage, skin damage, and brain damage. Over time, coming into contact with hazardous cargo during the collision could cause additional health problems, such as cancer.
One of the most significant differences between a commercial trucking accident and an accident involving off-the-clock individuals is the issue of liability. Semi-truck accidents often make the question of who is responsible for the damages more complex. There can be a lot of factors that go into determining liability after your car accident.
How the driver is employed can complicate who is liable for the aftermath of semi-truck accidents. Some drivers work only for one trucking company as an employee. The company provides them with all equipment they use, such as the semi-truck, and performs all necessary maintenance on the vehicle. Some drivers may work for a trucking company exclusively, but they provide their own truck. Other times, truck drivers may work for themselves and own their vehicles as independent contractors. The trucking companies they partner with provide them with loads to ship and nothing else. All of these different driver arrangements can play a role in determining liability after a trucking accident.
These complexities and knowing that all of the factors involved in 18-wheeler accidents are different from crash to crash, it can be helpful to have an experienced Denver personal injury attorney by your side to help you get the compensation you deserve from all liable parties.
Sometimes, the driver can be found liable for an accident due to their reckless behavior or negligence.
There are also times when the trucking company that employs the driver could be found liable for the accident.
To complicate 18-wheeler accidents further, there are times when other parties could be liable entirely or partly for the accident.
The bottom line is that liability can be a complicated web that can be difficult to unravel after an accident.
You may be surprised to find out there are times when the liability for an accident is divided among different parties if they are found at fault for the accident. For instance, a commercial truck driver speeding with a company-owned truck that had a recalled part could result in not only the truck driver being found liable due to their reckless behavior but also other parties may be partially liable. That’s why it can be beneficial to have an experienced truck accident lawyer on your side.
Truck accidents account for almost 500,000 auto collisions that occur every year. Of those collisions, approximately 1% resulted in the death of the driver or their passengers.
In Colorado specifically, due to its vast mountains range and unpredictable weather patterns that cause sporadic patches of black ice, the state has been listed as one of the most dangerous regions to travel for a truck driver, accounting for 3.5% of all traffic fatalities. However, the weather is not allows to blame; many scenarios can lead up to a tragic accident, but listed below are the five most common.
It’s no mystery that a large number of commercial truck drivers push themselves to exhaustion in an effort to stay on a tight schedule and earn more overtime or bonus pay. This unhealthy pattern continues to be a trend in the commercial trucking industry. It leads to drivers losing coordination, having a lack of concentration, or in the worst cases falling asleep at the wheel.
Substances can include everything from alcohol to drugs, and even prescriptions that inhibit a truck driver’s ability to think clearly and focus on the road. Most cases where substance abuse is involved begin at a truck stop or a roadside bar where the driver overindulges and jumps behind the wheel of their rig while they are still impaired. More extreme cases involve drivers having drugs to keep themselves awake or alcohol with them in the cab.
Speeding or Aggressive Driving
Because of the tight deadlines bearing down on most commercial truck drivers, we see many accident cases that were directly caused by reckless speeding or aggressive driving behavior that results in an accident. As you can imagine, the more speed a large commercial truck picks up makes them that much more dangerous because of their mass and momentum. When a driver of a surrounding car or the truck driver themselves realizes there is a problem, it’s often too late to avoid a collision.
Truck drivers are required by law to have specialized training, drive a certain number of hours behind the wheel of a large vehicle, and perform regular inspections on their equipment. Unfortunately, not all drivers adhere to the federal guidelines, and not all trucking companies perform routine maintenance on their vehicles. Complacency on the part of the truck driver, combined with the negligence of the trucking company, can create a dangerous combination in which the likelihood of an accident happening becomes much higher.
Because commercial drivers spend such long hours on the same, often mundane roadways, they can become distracted or lose focus on the road. Just like the drivers of regular vehicles, truck drivers can have the same bad habits, such as talking on the phone, replying to text messages, or just leaning over to change the radio station. Every one of those situations can create a hazardous environment because the driver is no longer focusing on the road and the other drivers around them.
If you were involved in a truck-related accident that resulted in wrongful death, injuries, or mental health issues, then you may be able to receive significant compensation. As far as what you can get compensated for, let’s go over some of the most common areas below
Medical bills cover both the immediate emergency care that occurred after the accident, as well as future medical expenses such as additional surgeries, physical therapy, or prescription medications.
Property loss usually refers to your vehicle, but it can also cover other property that was damaged as a result of the accident.
If you are unable to work after the accident or the injuries you sustained make it impossible for you to return to work, then you are entitled to have those lost wages covered by the responsible party. Future wages that you would have earned are also brought into consideration.
Pain and Suffering
Pain and suffering can cover a wide range of situations that have left your life changed following an accident. Which could be mental health issues, chronic pain due to injuries, or loss of enjoyment in your day to day life.
According to numerous federal regulations, trucking companies are responsible for ensuring their vehicles are safe for highway travel and in proper working order. Drivers must inspect their vehicles every day, as well as inspect their load before transit. The main areas that should be checked are the airlines, brakes, fuel system, lights, steering system, wheels, emergency equipment along with a long list of other potential problem areas.
When a driver is diligent in their daily inspection, and trucking companies take an active role in making sure the inspections are happening as well as staying on top of maintenance than the conditions on the road become much safer. If anyone of those sophisticated pieces of equipment on board were to malfunction, it could cause severe damage as well as injury to other drivers.
While any automotive accident can have devastating results, large commercial trucking accidents are one of the most catastrophic and deadly collisions. Their size and weight already make them appear intimidating on the roadway, add in their relatively slow reaction time, this creates an environment in which a situation can turn into a nightmare fairly quickly.
Size and Weight
Commercial truck weight varies greatly and is typically defined as a vehicle that weighs between 10,000 and 80,000 lbs. Trucks can also range from small box trucks to huge cross-country rigs that can be upwards of 50’ long.
Steering and Maneuverability
Drivers operating a large truck undergo serious training to gain those qualifications, but even so, they can’t avoid obstacles as quickly as those in passenger vehicles. If a truck were to turn too quickly or swerve suddenly, it could cause the vehicle to flip or for the trailer to swing out and harm other drivers.
In a passenger vehicle, it’s always good to tap your brakes and give yourself plenty of time to stop, and if you need to stop suddenly you can slam on your brakes, and the car will come to a sudden and grinding halt. Truck drivers don’t have the luxury of slamming on the brakes when they need too because of their massive size and mass. A truck under normal circumstances takes on average 525′ to come to a complete stop.
The regulations that govern truck drivers are periodically updated to remain current, but the main guidelines remain constant, and all drivers who go through their CDL training will go over these safety guidelines in detail.
All drivers must commit to regular physical exams to prove that they are healthy and able to operate a commercial vehicle safely. If a driver has a health condition that could affect the safe operation of their vehicle, they will be asked not to drive.
Hours of Service
Even those who have never worked in long-haul trucking have probably heard the extreme number of hours drivers work in order to meet tight deadlines. For this reason, all drivers are required to keep a log of their drive time, breaks, and rest time for the week. Failure to keep accurate records or falsifying the log entries could result in the driver losing their CDL.
The information required to be displayed on either the truck cab door or other visible area includes the truck owner, business address, and the gross vehicle weight. To make sure all of this information is readable, it’s required that the decals used are at least 3” high.
A special endorsement is required for any drivers hauling hazardous material like fuel or chemicals. The truck must also be labeled to clearly show other drivers as well as law enforcement what material is being transported.
Height and Weight
The cap for the weight of any commercial truck is 80,000 lbs. The dimensions of the truck outlined by federal regulations are 14.6′ high by 8.5′ wide. The reason that these standard sizes have been outlined is to ensure that vehicles can fit under overpasses and through tunnels without putting other drivers or themselves at risk.
Drugs and Alcohol
There can be absolutely no illicit substance used by a driver while they are on shift. Additionally, if they are drinking before a shift and then attempt to operate their vehicle, their blood alcohol content can’t exceed .04. If a driver is discovered to be under the influence of any substance while operating their vehicle, they will likely have their CDL revoked.
Truck accidents can occur on any roadway and at any time of day, but statistically, there are certain areas and certain times of day you should be more cautious in, or avoid altogether. While you may be thinking that most accidents happen in cities and densely populated towns, this actually isn’t the case. When truck drivers are put into a situation where there are slower speeds and numerous other drivers, they actually drive much more safely.
If you have ever taken a road trip, you are sure to have encountered parts of the country where it seems as if nothing is around for miles. On these roads, drivers are especially susceptible to getting distracted, falling asleep, or simply not paying attention to their blind spots.
Country Roads or Rural Areas
Most country roads are not made for commercial trucks, because they are narrow and possibly in disrepair. The reason why you may see a large truck or trailer in a rural area is that farm equipment and other supplies can only be delivered by a vehicle that can handle the payload. Because a truck driver is in an area where their visibility is lowered and they are trying to stay on the road, they may not be paying close attention to other drivers.
Between 12:00pm and 3:00pm
This may seem like an odd window of time for truck accidents to occur, but during this midday lull, a shocking number of accidents happen. Approximately, 50% of accidents occur between 6:00 AM and 6:00 PM. Out of those accidents, the highest percentage occurs in this 3-hour window.
When you’re hurt in a vehicle accident, understanding who should pay for your injuries is one of your first steps. Even if you know how much you lost in a truck accident, you’ll need to find the person responsible for paying it.
That’s not always easy, however. For example, you might think that the responsible party is the one who caused the truck wreck. However, a truck driver is usually also an employee on the job. Because of that, they may not be the responsible party. Instead, you may need to file your claim against the employer. They’re responsible for the actions of their employees, which can make your claim more confusing.
However, keep in mind that the accident may not even be the truck driver’s fault. You may have been injured because they crashed, but other factors may have caused the wreck. For example, they may have suddenly lost control of the vehicle.
In some cases, outside factors may have caused the accident. For example, something might have gone wrong with the truck. Their brakes may have failed, an axle gave, or the power steering went out. These parts failures can turn dangerous, and the driver might not be at fault. Instead, the manufacturer who made the faulty part may be responsible.
Your injuries might also be because of a road defect. Denver’s department of transportation is responsible for maintaining traffic safety. Because of this, if they left a deep pothole unfilled or another road hazard unrepaired, they may be held responsible for your injuries.
Sadly, some truck drivers weren’t just acting carelessly. These drivers may have been driving under the influence of drugs and alcohol. That could lead to severe injuries and a more complicated claim.
When a drunk driver injures you, there may also be a criminal case. The driver could be charged with a misdemeanor, and the trial for their actions must come first. However, a delay doesn’t mean you won’t receive compensation for your truck accident. Instead, you’ll simply need to wait for the criminal trial to be completed. From there, you’ll be able to file a lawsuit. You may even use the evidence presented during the trial for your claim. Even if they were found innocent, you’ll have a chance to sue for the suffering you’ve experienced.
When you’re involved in a semi-truck crash, take special attention to your injuries. These crashes can be especially severe, so you’ll need to be sure you get the full compensation you deserve for those injuries.
Semi-trucks are several times the size of a regular car, which means severe injuries are more common. You may not even realize you’ve suffered a significant injury right away. Some injuries may not hurt until later. If you don’t seek medical care now, though, those injuries can leave permanent damage or even result in death, so it’s best to contact a doctor as soon as possible.
When you’re hurt in a truck accident, make sure you get compensation for any injuries you’ve suffered. That includes the following:
After a doctor has determined the injuries you have suffered for the purposes of your accident claim, you’ll then need to know what your claim is worth. The responsible party likely won’t want to pay for your injuries, so knowing your claim’s worth can be vital.
To do so, you might first focus on your financial losses. These include any damages or losses, you’ve suffered in terms of expenses. For example, your hospital bill is classified as economic damage. These losses can simply be added up for your claim.
Non-economic damages won’t be so easy. Instead, you’ll need to find the costs of your emotional and mental pain. That can be tough to calculate without the right tools. These damages are determined based on the impact they had on your life, which can be nearly impossible to calculate on your own. Fortunately, Roberts Accident Law can help you find your claim’s worth.
Even when you know what your claim should be worth, it’s tough to get the compensation you deserve. Your lawyer will be the key to protecting your claim from the other party, which will likely try to reduce or dismiss your claim entirely.
For example, the truck driver’s attorneys may claim that you were also driving recklessly. While it doesn’t remove the blame from them, they may say you were 20 percent at fault for the accident. That means you’ll only get 80 percent of the compensation you should have received. That makes it even tougher to recover. You’re not getting the full funds you need to bounce back, and worse, you could lose your claim completely; if you’re found more than half at fault for the accident, your accident claim may be dismissed. In these cases, you’ll need guidance to protect your compensation.
When you’re injured in a collision with a big rig, you’ll need to make sure you’re taking all the right steps to file your claim correctly and get the compensation you need. Unfortunately, it’s tough to get started alone. You might not even be sure where to go to file your claim in Denver.
That’s where a truck accident lawyer can step in. You’ll need guidance on finding the responsible party, as well as making sure you’re going to the right places. For example, your injury attorney can help you file your lawsuit in the Denver small claims court. We’ll make sure you’re in the right place and that you have all the information you need to file.
Some accidents are unavoidable, but there are a few things you should remember next time you are sharing the road with a truck.
Avoid Blind Spots
A good rule of thumb to remember while sharing the road with a truck is that if you are unable to see their mirrors, they likely can’t see you either.
Use Clear Signals
Don’t use erratic movements while driving next to a truck and make sure to use your blinker a few seconds before you usually would. This gives the driver plenty of time to move or adjust their driving.
In dense traffic or a city, getting close to a truck may be unavoidable, but when you are on an open roadway and traveling at high speeds, be sure to give the truck plenty of space. Not only does it allow you to stay out of their blind spots, but it also protects you from something unexpected like a tire blowout or a loss of control on the part of the truck driver.
When you are driving, it’s essential to stay focused, and when you are sharing the road with large trucks it becomes even more so. Avoid using your phone, turning to talk to passengers, or eating while you’re driving. Even a split second of distraction could have disastrous consequences for both you and the truck driver.
There’s a good chance that you’ll see an accident involving a truck when you turn on the news. Trucks are complicated to drive because of their sheer size and weight, which is why a special license is needed to operate them. So what happens when a truck is involved in an accident? There are questions when it comes to who’s liable for damages between the truck driver and the trucking company that employs the driver. A personal injury attorney can help you determine who is responsible and how to move forward with a lawsuit if you’ve been injured in an accident involving a truck.
In many cases, the trucking company is the one held liable for the damages after an accident as long as the truck driver was acting in the scope of their employment at the time of the accident. However, if they are found to have purposefully caused the crash, such as because of a road rage incident, the truck driver themselves may also be liable to some degree. This is because trucking companies themselves have a duty of care for the other individuals who share the road with their company’s vehicles. That means that they need to keep the trucks in good repair, hire only the best drivers, ensure that their trucks are loaded safely, and ensure that their drivers follow the correct laws, such as hours of service. When any of these duties of care are violated, resulting in an accident, they are liable for this breach. Again, an experienced legal representative can help you investigate and navigate the fallout after your accident, as it can be a complex matter depending on the circumstances involved.
It’s common for people to feel uncomfortable driving around big trucks. Truck drivers need plenty of room to be able to turn, switch lanes, stop, and more. Trucks are in huge demand as it’s estimated that about 70% of the goods on shelves in your local stores arrived on a truck. Unfortunately, statistics behind trucks and accidents aren’t very reassuring. It’s estimated that truck accidents will be the fifth leading cause of death by 2030. About 74% of fatal accidents involving passenger vehicles also involved a truck. In these accidents, the fatalities are most commonly found in the passengers of the smaller vehicles compared to the truck drivers themselves. Not every truck driver will get into an accident, and it’s hard to put a number on a percentage of drivers that will have accidents. Still, the fact that crashes involving trucks are so dangerous, it’s essential to be vigilant when driving. If you’ve been injured in an accident involving a truck driver, it’s critical to get assistance with your claim.
Here are some of the most common truck accidents that can happen and why:
You may think that the most common truck accidents are caused by the driver being impaired by drugs and alcohol, but that’s not the case. Instead, one of the most common causes of truck accidents is tire-related. In addition, sleepiness, new routes, and aggressive driving are the most common reasons behind truck accidents.
Since commercial truck drivers, and the companies they work for as employees or contractors, must abide by special rules enforced by the Federal Motor Carrier Safety Administration, along with local, state, and federal laws pertaining to motor vehicles, some different laws can apply to truck accidents. Regulations that commercial truck drivers and trucking companies must safely follow include how many hours a truck driver can drive, how cargo should safely be loaded, and even regulations on the vehicle’s maintenance.
Federal regulations even regulate that truck drivers have lower blood alcohol concentrations than other licensed drivers. When concerned about the different laws that can apply to truck accidents, it can be vital to get the assistance of an experienced attorney familiar with personal injury lawsuits when a commercial vehicle is involved. They can help guide you through the process and assist you in evidence gathering and other paperwork needed in an injury claim.
One of the biggest questions you may have after you’ve been involved in an involving a commercial truck is who will be responsible for paying for the damages that came from the truck accident. There are so many different scenarios that involve truck drivers and the companies they drive for, along with determining who’s responsible for what if an accident occurs. Some truck drivers outright own their trucks and work for themselves. They may work as contractors or freelancers for different trucking companies to get loads or handle their own business without other parties involved. Other truck drivers work as employees for a trucking company.
Determining fault and who’s liable for the damages depends on a few factors. For instance, if the truck driver is found at fault, such as not doing maintenance on their brakes, and they are an owner-operator, they and their insurance company are typically held liable. In contrast, an employed truck driver in the same circumstance may be covered by their company’s insurance policy and the company itself if they are not responsible for providing their own maintenance. The key to any litigation after a commercial truck accident is getting experienced legal guidance. A lawyer familiar with truck accidents and their aftermath can help you determine liability and how to go about being adequately compensated for your damages.
You can trust your insurance company or the other party’s insurance company to ensure that your settlement offer is fair, right? The truth is that this isn’t always the case. While an insurance company exists to protect its customers in the case of an accident, it’s also a business that wants to ensure that it protects itself. It can be beneficial to speak with a legal representative familiar with personal injury lawsuits before accepting any insurance company’s truck accident settlement offer. Often, the first offer is not a very fair amount based on your actual damages.
You can find that it’s helpful to have a legal representative that can work with you during the negotiation of your truck accident settlement process rather than accepting the first offer that comes your way from an insurance company. It’s important to remember that the damages should include what was damaged during the accident, such as your car, but also your medical bills for injuries, lost work, and other financial losses that occurred because of the accident. Sometimes, the true extent of your damages, such as the amount of time it takes for you to heal, may take longer to see while the insurance company is rushing to get you to make an offer before all the dust has settled.
Being in an accident can be a scary experience, and you may be even more worried if you feel that you may have been partially at fault for the recent truck accident you were involved in where you were injured, or your property was damaged. It can raise many questions, like can I file a lawsuit for damages and still win? Accidents, especially ones involving many different factors, can be tricky to determine who’s at fault, who’s liable, and who can recover damages. That’s where an experienced personal injury attorney can come into play. They help investigate the incident and work within the law to protect their client’s rights and help them receive any damages owed to them by other at-fault parties.
After an investigation, they may find that you were partially at fault, such as 25%, so that would play a role in the amount of compensation due to you from the other liable party. In some situations, it may be determined that while you were worried that you were partially at fault for the accident, you were not. In that case, you’re entirely able to recover damages through litigation.
An experienced attorney can help guide you through this process and help you to receive the fair compensation you deserve for the incident. Don’t let your fear of being found partially at fault stop you from speaking to an experienced attorney who can help you through this stressful time.
Working together, the Federal Motor Carrier Safety Administration (FMCSA) and the National Highway Traffic Safety Administration (NHTSA) evaluated crashes involving large trucks. They created the Large Truck Crash Causation Study (LTCCS) to help get a better idea of what goes into trucking accidents and to find ways to help prevent more accidents in the future.
During this study, they determined that there were three factors that were more likely to come into play in a large truck accident. These included alcohol, fatigue, and speeding. Drivers who use alcohol, drive when tired, or go over the posted speed limit signs are more likely to be involved in a crash compared to sober, wide-awake drivers, and those who are driving at a safe speed. Of course, there are times when truck accidents occur when none of these factors are present, but in many scenarios, one or more were involved.
The aftermath of a truck accident can be brutal to deal with when it comes to the potential for severe injuries and even the death of a loved one. In some cases, the true extent of the damages isn’t even known for months or years. It can be a long road as you try to return to your life after a severe truck accident.
In Colorado, in most situations, a person has three years from the date of the accident to bring a wrongful death or injury lawsuit. Waiting beyond that period of time may mean that your case will get thrown out rather than getting the compensation you deserve unless there are other circumstances involved.
While you have that amount of time to bring a lawsuit, it can be vital to your case to speak with an experienced attorney quickly after the accident. Substantial evidence, eyewitness testimony, and other information you need for your case could be lost over time if you wait too long to speak with an attorney. They can help you build your case and determine the proper timeline based on your situation.
When you’re hurt in a major accident, it’s tough to recover. You’re looking at overwhelming injuries that could affect you for the rest of your life. Fortunately, you don’t have to seek your compensation without help. Instead, contact the attorneys at Roberts Accident Law for a free consultation. We’ll discuss your options for recovering before you sign anything. We want you to know that we’re on your side before you file your claim.
Ready to get started? Your Denver truck accident lawyer is ready to focus on your lawsuit. To begin, give us a call at 720-515-7058 or fill out the online form below. Or check out what others had to say about Roberts Accident Law by clicking here.
Here’s what Brandon Rutledge in Ontario had to say about us on Google:
“I had a great experience with Steve. I was hesitant to hire an attorney after I was rear-ended. I had ideas of handling things simply on my own. Quickly I discovered I was in over my head. Steve stepped in and changed everything. I was talking to five different people from the insurance companies and they were overwhelming me with questions, requests and demands. It was hard to focus on my actual injuries. Then I hired Steve and that all changed. My injuries were more severe than I originally thought and had Steve not slowed things down I would have been in big financial trouble. The resolution to my case was not about wringing money out of the insurance company but about helping put me back in the place I was before my accident. Steve always had time to talk to me personally and kept things moving all the time. Honestly, this whole experience was pretty scary but Steve allowed me to live and recover without fear. Thank you Steve.”
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100 Fillmore St., 5th Floor, Denver, CO 80206Phone: (720) 515-7058
NO PRESSURE. SPEAK TO AN ATTORNEY. NO HIDDEN FEES.