Another Year of Making A Difference Thanks to You!
Sincere appreciation goes out to everyone who contributed to our Annual Charity Toy Drive! As you know, every year, my firm collects much needed supplies and
toys for two charities during the holiday season. The RAP House and John Hopkins All Children's Hospital appreciate EVERYTHING they received
this year, and every year.

This year the donations were especially abundant! Thank you to each and every person who took time out of their busy schedules to purchase a list item, buy a gift card or two, or drop a check off to the office! My family, staff and I all had an amazing time shopping to match all of the donations received and deliver before the holiday.

It may not seem much to all of us, but we truly impact the lives of the children
who receive these gifts! Together, we make their holiday brighter and bring smiles
to their faces.

We couldn't make such an impact and difference without all of your contributions.

Thank you.

Chuck
BEWARE OF THE WOLF IN SHEEP'S CLOTHING
Often times, immediately after an accident and prior to the injured party talking to a lawyer, the insurance company for the at-fault party will approach you, the injured person, and make an offer of settlement. Typically, it is in the amount of $500.00 to $1,500.00 to resolve your injury claim. Progressive is notorious for doing this. It is part of their business model. They have their little Progressive mobiles that come directly to the accident scene or to your home and offer you a settlement right there on the spot. This insurance approach is made in a friendly, "we care about you" manner, thus lowering your guard and gaining your trust. 

It seems like a very nice gesture on their part, but beware as it is not to your benefit nor in your best interest to accept it at that time. If you do accept it, your potential injury case, if you had one, will be concluded because in return for the money, you will be required to sign a release, releasing the at-fault party, which is the insurance company's insured, and the insurance company itself from any further injury claims as it relates to that accident. You will have entered into a contract with them. A very smart tactic on their part! 

Now don't get me wrong, the money they offer you might have been fair but that determination can only be made once you have the knowledge of the extent of your injuries and information on what treatment is going to be needed and whether those injuries are going to fully heal. Only the passing of time and the investigation and treatment of your injuries will give you the information needed to weigh that offer against your injury condition to determine the fairness of it. As we tell our clients, wait until you know the value of your case before agreeing to a settlement with the insurance company. You don't have a crystal ball, and thus the majority of the time, the early settlement only benefits the insurance company and their insured, not you! 

We have met with multiple people who we could not help because they had taken a minimal early offer of settlement from the insurance company and thus entered into a contract of settlement to later find out that their injuries were far more significant than they thought and now the money they received won't even cover their medical bills. Some of these clients were even in need of surgery, and the minimal, initial offer clearly did not provide for that. 

So, beware of the wolf in sheep's clothing. If the money offered early by the insurance company is fair then it should still be there at the end of your course of treatment. Consult with an attorney before speaking to the insurance company. And remember we are always here for you. 

Chuck
Quinoa and Black Beans
So Easy and Tasty
1 teaspoon oil
1 chopped onion
3 cloves garlic, minced
3/4 cup quinoa
11/2 cups vegetable broth
1 teaspoon cumin
1/4 teaspoon cayenne pepper
Salt and pepper to taste
1 cup frozen corn
2 cans (15 oz) black beans
1/2 cup chopped fresh cilantro

Heat oil in a saucepan over medium heat; cook and stir onion and garlic until lightly browned, about 10 minutes.

Mix quinoa into onion mixture and cover with vegetable broth; season with cumin, cayenne pepper, salt, and pepper. Bring the mixture to a boil. Cover, reduce heat, and simmer until quinoa is tender and broth is absorbed, about 20 minutes.

Stir frozen corn into the saucepan, and continue to simmer until heated through, about 5 minutes; mix in the black beans and cilantro.

Thank You!

Our firm has been able to assist 
many of your referrals over the years

We greatly appreciate your trust and confidence!
Fishing with Family in 2018
Main Office: 9400 River Crossing Blvd., Suite 103, New Port Richey, FL 34655
Satellite Offices:Citrus, Hernando, Pinellas and Hillsborough Counties
1988 ~ 2018 
30 years in practice
Law Office of Charles S. Philips, PLC
Phone: (727) 494-2008
Fax: (727) 494-2009