Tag Archives: Attorney Chant

Are you covered? – Article by Paul Chant

January 27, 2021

I have been representing people injured in accidents for over 30 years.  The single biggest category are motor vehicle accidents, cars, trucks and motorcycles.   Every year, sometimes more than once a year, I encounter this situation.  Good people, with assets, have failed to protect themselves when they have caused an accident or when they have been injured by another driver.

So, how do you protect yourself?  The answer is to carry appropriate, reasonable levels of coverage.  On TV these days, companies advertise that they are the cheapest, and that you “only get the coverage you need.”   You follow up to their corporate website that presents low cost, low coverage policies.  You never speak with a human being about what coverage you need to protect yourself if:  1.  You cause an accident and injure one or more parties; or 2.  Someone causes an accident in which you sustain injuries.

First, you need to know that New Hampshire does not require mandatory automobile insurance for all drivers, and almost 10% of New Hampshire drivers carry no coverage.    Many people also carry pitiful, small levels of coverage.  The minimum limits of purchase you can purchase in New Hampshire for auto or motorcycle insurance, pursuant to R.S.A. 259:61 is “at least $25,000 on account of injury or death of any one person, and . . . at least $50,000 on account of any one accident resulting in injury to or death of more than one person . . . These statutory minimum limits have remained unchanged by the Legislature for 40 years!

Think for a moment of your health insurance premiums over the last 40 years.  Those costs have exploded.  Similarly, medical costs following auto accidents have grown substantially over the years. Think of your income over the last 40 years.  Hopefully, it, too grew substantially.  Yet, in many cases people carry the same limits they carried 10, 20, even 30 years ago.  Why?  Because no one told them to change their limits to protect themselves.

The two most common scenarios I see are the following:  First, we get calls from people who have received letters from their insurer following an accident they have caused telling them that they may have insufficient limits to cover a claim against them.  Those people fear for their houses and other assets.  We have even advised bankruptcy in these cases before.

The second scenario is the person or couple or family injured in an accident.  The driver carries low limits, and they do to.  In this case, there is no path for any reasonable financial recovery no matter how extensive the injuries, medical bills, or lost income. There is nothing we can do for these folks.  I represented a large family in an accident years ago in which 5 or more family members were injured.  They carried low limits.  The recovery was nominal.  I have had numerous death cases where $100,000 or less existed in total available coverage.  That is not enough for death or serious injury.

So, how do you protect yourself? The answer is simple.  Buy more coverage.  A local agent I spoke to told me that his office requires a waiver for any individual who insists on buying coverage of less than $250,000 per person, and $500,000 per accident.  The reason:  People need at least that much coverage to protect their assets in the events they hurt others, and at least that much to protect themselves if someone else injures them.

I have looked at the difference in costs for increased coverage. The difference between $50,000 per person/ $100,000 per accident coverage and $250,000/$500,000 coverage is often as little as $100 to $150 per year if you have a relatively clean driving record.  Isn’t protecting yourself worth that additional cost?  Finally, an easy way to cover the cost of increased liability and uninsured motorist coverage is to simply increase your deductible for your collision and/or comprehensive coverage.  Increasing your deductible from$250 per claim to $500 per claim might alone cover the cost of increased liability insurance. Be smart.  Buy enough coverage.

Stay safe and be well.

Paul W. Chant, Esq.
[email protected]
603-356-5439

Paul Chant recognized as a Super Lawyer

May 7, 2019

NORTH CONWAY, NH – Cooper Cargill Chant, PA is proud to announce that Partner Paul Chant was selected by Super Lawyers New England Magazine for recognition in its 2018 publication. Super Lawyers, a Thompson-Reuters business, is a prestigious honor awarded to attorneys who exemplify the highest standards and abilities in areas of law.

Attorney Chant was named a Super Lawyer for personal injury practice, on the Plaintiff side. He has over 30 years of experience representing Plaintiffs in personal injury and workers’ compensation litigation. Attorney Chant was selected by Business New Hampshire Magazine as its “Top Personal Injury Lawyer” for 2015 for the entire state of New Hampshire. Paul serves on the NH Access to Justice Commission. This is the fourth consecutive year that he was selected as a Super Lawyer.

Attorneys chosen to the list of Super Lawyers must pass a rigorous, research driven selection process that consists of peer nominations and ratings and in depth evaluations by a highly credentialed panel of attorneys. Lawyers who make the final list have attained the highest degree of professional achievement and recognition from their legal peers.

Super Lawyers Magazine was created to honor exceptional attorneys and to provide consumers in need of legal services in their region with access to an objective list of top lawyers in their area, because no more than 5% of attorneys in this state are named to the Super Lawyers Magazine list – and no more than 2.5% of attorneys are selected to the list of Rising Stars.™  (Honoring lawyers age 40 or younger or in practice 10 years or less). Consumers can feel confidence in choosing lawyers who have been recognized by the trusted publication. For more information, visit the Super Lawyer web site.

Cooper Cargill Chant is the largest law firm north of the lakes region in New Hampshire. The firm’s attorneys are recognized leaders of the New Hampshire Bar Association, have chaired the Boards of the New Hampshire Bar Association, the New Hampshire Association for Justice, and the New Hampshire Bar Foundation. Lawyers have won numerous awards for their representation of clients throughout New Hampshire, including awards for legal service to the poor, for work in domestic violence cases, in helping form and develop businesses, and in personal injury work. With offices located in North Conway and Berlin, New Hampshire, Cooper Cargill Chant is counsel to hundreds of small businesses and associations, and thousands of individual clients throughout northern NH and western Maine.

For more information, call 603-356-5439 or visit them online at www.coopercargillchant.com.

Cooper Cargill Chant Attorneys Receive Accolades From Super Lawyers

November 14, 2016

NORTH CONWAY, NH – Cooper Cargill Chant, PA is proud to announce that its Partner Paul  Chant has been selected by Super Lawyers New England Magazine for recognition in its 2016 publication.  Super Lawyers, a Thompson-Reuters business, is a prestigious honor awarded to attorneys who exemplify the highest standards and abilities in areas of law.

Cooper Cargill Chant, PA’s Super Lawyer for 2016 is Attorney Paul Chant.  Attorney Chant was named for personal injury practice, on the Plaintiff side.  He has 30 years of experience representing Plaintiff’s in personal injury and workers’ compensation litigation.   Attorney Chant was selected by Business New Hampshire Magazine as its “Top personal injury lawyer” for 2015 for the entire state of New Hampshire.  Paul is President of the Mount Washington Valley Economic Council and a Member of the New Hampshire Bar Association Board of Governors.

In addition to Attorney Chant’s selection as a Super Lawyer, Cooper Cargill Chant, PA Associate Leslie Leonard was named a Rising Star.  Attorney Leonard is an Associate whose practice is in family law, estate planning, personal injury  and employment law.  She is the Past-President of the Mount Washington Valley Children’s Museum Board of Directors, Vice President of the Rotary Club of North Conway, a member of the Board of Directors of the White Mountain Health Center. and a Graduate of the Mount Washington Valley Chamber of Commerce Leadership Program.

Attorneys chosen to the list of Super Lawyers must pass a rigorous, research driven selection process that consists of peer nominations and ratings and in depth evaluations by a highly credentialed panel of attorneys.  Lawyers who make the final list have attained the highest degree of professional achievement and recognition from their legal peers.

Super Lawyers Magazine was created to honor exceptional attorneys and to provide consumers in need of legal services in their region with access to an objective list of top lawyers in their area, because no more than 5% of attorneys in this state are named to the Super Lawyers Magazine list – and no more than 2.5% of attorneys are selected to the list of Rising Stars.™   (Honoring lawyers age 40 or younger or in practice 10 years or less). Consumers can feel confidence in choosing lawyers who have been recognized by the trusted publication.  For more information, visit the Super Lawyer web site.

Cooper Cargill Chant is the largest law firm north of the lakes region in New Hampshire. With its main office in North Conway, New Hampshire, Cooper Cargill Chant lawyers have over 150 years of experience. Cooper Cargill Chant attorneys are recognized leaders of the New Hampshire Bar Association, have chaired the Boards of the New Hampshire Bar Association, the New Hampshire Association for Justice, and the New Hampshire Bar Foundation. Lawyers have won numerous awards for their representation of clients throughout New Hampshire, including awards for legal service to the poor, for work in domestic violence cases, in helping form and develop businesses, and in personal injury work. With offices located in North Conway and Berlin, New Hampshire, Cooper Cargill Chant is counsel to hundreds of small businesses and associations, and thousands of individual clients throughout northern NH and western Maine.

For more information, call 603-356-5439 or visit them online at www.coopercargillchant.com.