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If you've been hurt, be sure to read this book before you talk to anyone about your case.

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Testimonials

"Mr. Richardson and Ms. York were always available - and they did a terrific job."

"Chip Permar and his team were outstanding!"

"You showed so much concern for me as a person -- there is such a personal touch to everything you do."

"I don't know what I would have done without you!"

"We were nervous at first, but you put us at ease."

"John and Stephanie were patient with me. Great teamwork!"

"Being injured turned into a life-changing event, but it was comforting to know that you understood me and were only a phone call away."

"You guys are on top of your game."

"I researched law firms on the internet, and I could not have asked for a better attorney."

"Whenever I called I got answers."

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Lightning Strikes Twice

How to Avoid Becoming a Victim of Personal Injury Insurance Companies

After an accident that causes injury, you may be contacted by attorneys or insurance companies about your case. But you may not be prepared for such contacts. We want to educate you about personal injury law and the claims process before you talk to anyone -- even us.

Insurance companies are in it for a profit -- the less that they spend on your injury, the better they are at their job. They know which laws are in their favor, as well as the tricks and traps that can be used to pay you less.

We are in it to protect your rights. Our controversial book gives you information that insurance adjusters don't want you to know. This book is so important that we are giving it away to people who have been injured and also to their loved ones. It's packed with valuable information to protect your family and your health. Information such as:

  • What you must prove to win your case
  • The legal process in a personal injury case
  • How to decide if you need an attorney and how to choose one if you do
  • The 7 deadly sins that can wreck your injury case

At Oxner Thomas + Permar, we represent people who have been hurt. With more than 100 years of combined experience handling personal injury and on-the-job accidents, we are uniquely capable of telling you exactly what you need to know concerning your claim. We level the playing field and give every injured person in North Carolina a chance to get the respect and benefits that are deserved.

If you are an injured person or the family member or friend of an injury victim, we can send you a copy of Lightning Strikes Twice -- or read it yourself as a download in the Library section of this website.

If you want a copy by mail, please know that we won't sell your name and we won't call you -- we want you to have this information.
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Video Library

General:

Degenerative Disc Disease

Whiplash

Additional Whiplash Video

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FAQs

Workers' Compensation

The accident wasn't my fault so can I sue my employer?

If I can't sue my employer, can I sue someone else?

What is "Maximum Medical Improvement" and what happens at that point?

Personal Injury

Is there a legal difference when a traffic accident involves a school bus?

What is a 9(j) opinion?

Why is my personal injury case required to go through mediation?

Social Security Disability

Tell me about long term disability benefits and what that means to me since I may get Social Security Disability benefits.

Is alcoholism a disability? What about drug addiction?

Will receiving Social Security disability benefits affect my current COBRA health insurance plan?

General

Will my attorney keep our conversations confidential?

My employer closed the doors of the company and told us all that we would not be paid for the last two weeks of work and we aren't getting paid for any vacation time that we've earned. This doesn't seem right.

What is Board Certification? Does it matter?

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Case Studies

Workers' Compensation

When is it helpful to LOSE a case

The Workers' Comp Adjuster Denied a Perfectly Legitimate Claim.

What Can Go Wrong with a Return to Light Duty Work.

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