Short Answer

In North Carolina, an injured passenger can seek compensation first from the at-fault driver’s liability insurance, and may also use medical payments (MedPay) and uninsured/underinsured motorist (UM/UIM) coverage if available. You must prove the other driver’s negligence, that the crash caused your injuries, and your losses. Most claims resolve through insurance, but you have three years to file a lawsuit if needed. Preserve UM/UIM rights before settling with the liability carrier.

Understanding the Problem

In North Carolina personal injury cases, a common question is: as a passenger, how do I get my medical bills paid and compensation for pain and suffering when another driver pulled out and caused a collision? You want to know who pays, what coverage applies, and what timing rules control your claim. This article explains the sources of recovery and the steps to take so you can protect your rights and build a strong claim.

Apply the Law

Under North Carolina law, a passenger generally recovers from the at-fault driver’s liability coverage. Damages can include medical expenses (amounts paid or owed), pain and suffering, and lost income. Optional MedPay can help pay medical bills regardless of fault. If the at-fault driver is uninsured or underinsured, UM/UIM coverage on the vehicle you occupied or on your own household policies may apply. Most claims start with the insurance carriers; if unresolved, you file a civil lawsuit in the county where the crash happened or where a defendant lives. The typical deadline to file a personal injury suit is three years from the date of the crash.

Key Requirements

• Negligence by another driver: The other driver failed to use reasonable care (for example, pulling out when unsafe), causing the crash.
• Causation: The collision caused your injuries and treatment; keep medical records to connect the dots.
• Damages: Document medical expenses (paid and outstanding), pain and suffering, and any lost income.
• Coverage available: Liability insurance first; then MedPay and UM/UIM if applicable and properly noticed.
• No contributory fault by passenger: Passengers are rarely at fault, but certain conduct (like knowingly riding with an impaired driver) can be raised as a defense.

What the Statutes Say

• North Carolina Gen. Stat. § 1-52 (Three-year deadline for personal injury) - sets the general time limit to file suit.
• North Carolina Gen. Stat. § 20-279.21 (Auto liability and UM/UIM coverage) - governs minimum auto liability coverage and UM/UIM procedures.
• North Carolina Gen. Stat. § 44-49 (Medical provider liens) - allows health care providers to assert liens on injury recoveries.
• North Carolina Gen. Stat. § 44-50 (Lien enforcement and limits) - limits and procedures for paying provider liens from settlements.

Analysis

Apply the Rule to the Facts: The police report and citation support that the other driver was negligent for pulling out and causing the collision. Your surgeries and imaging help prove the crash caused your orthopedic and airbag injuries; the delay in initial transport should be explained in your records so an adjuster cannot claim a gap in treatment. Your damages include paid and outstanding medical bills and pain and suffering. You can claim against the at-fault driver’s liability insurance and look to MedPay and UM/UIM if liability coverage is insufficient.

Process & Timing

1. Who files: You (or your attorney). Where: Start by opening a claim with the at-fault driver’s auto insurer; if suit is needed, file a Complaint with the Clerk of Superior Court in the proper North Carolina county. What: Insurance claim, medical records, bills, and a demand; for suit, a Complaint and Civil Summons (AOC-CV-100). When: File any lawsuit within three years of the crash.
2. Gather and send medical records/bills and proof of lost income; expect the insurer to review liability and medical causation over several weeks to months depending on treatment length and county practices.
3. Negotiate with the liability carrier; before accepting liability policy limits, give written notice to any UM/UIM carrier and obtain consent to settle to preserve UIM rights. If negotiations fail, proceed with litigation in District or Superior Court based on the amount sought.

Exceptions & Pitfalls

• Contributory negligence defense: Rare for passengers, but insurers may argue you knowingly rode with an impaired or reckless driver.
• UIM consent-to-settle: Settling with the at-fault carrier without your UM/UIM insurer’s written consent can void UIM benefits.
• Medical liens and reimbursement: North Carolina provider liens must be addressed and are capped; Medicare/Medicaid and some health plans require reimbursement by law or contract.
• Recorded statements: Do not give recorded statements or broad medical authorizations to insurers without understanding the scope; keep communications focused on the crash injuries.
• Gaps in treatment: Delays or missed appointments can reduce offers; document why any delay occurred and follow medical advice.
• Multiple policies: Coverage may exist on the host vehicle, your own policy, and household policies; rules on eligibility and stacking are technical.

Talk to a Personal Injury Attorney

If you’re dealing with injuries, medical bills, and insurance questions after a passenger crash, our firm has experienced attorneys who can help you understand your options and timelines. Reach out today.

Call (919) 341-7055 or email intake@piercelaw.com.

Disclaimer: This article provides general information about North Carolina law based on the single question stated above. It is not legal advice for your specific situation and does not create an attorney-client relationship. Laws, procedures, and local practice can change and may vary by county. If you have a deadline, act promptly and speak with a licensed North Carolina attorney.