Firm news
Accident Q&A series
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Will my underinsured motorist claim be separate from the at-fault driver's liability claim? — Durham, NC
Yes. An underinsured motorist claim is generally opened under your own applicable auto insurance coverage, while the liability claim is made against…
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Why does the vehicle ownership and household affidavit need to be notarized? — Durham, NC
Notarization confirms who signed the affidavit and that the signer swore or affirmed that the information was truthful. In an underinsured motorist…
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Why does an underinsured motorist insurer need an affidavit about vehicle ownership and household members? — Durham, NC
The insurer usually wants the affidavit to identify every auto policy that may have covered you on the accident date and to determine how those…
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What steps should I take after another driver runs a stop sign and causes a serious accident? — Durham, NC
Protect your health, preserve evidence, report the crash, and document every injury-related and vehicle-related loss. In North Carolina, evidence…
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What insurance policies and household vehicles must I disclose on an underinsured motorist claim form? — Durham, NC
Disclose every auto policy, vehicle, and household relationship requested by the form that could have affected underinsured motorist coverage on the…
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What information is needed to make a medical-payments claim after a pedestrian accident? — Durham, NC
To make a medical-payments claim, you generally need the auto policy information, details identifying each injured person, the pedestrian accident…
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What happens when my attorney and the insurance company exchange settlement offers? — Durham, NC
Your attorney and the insurance adjuster negotiate by exchanging demands, offers, and counteroffers, but you decide whether to accept a settlement.…
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What happens if the combined injury claims are worth more than the available insurance coverage? — Durham, NC
The available liability insurance may be divided among the injured claimants, leaving each person with less than the full value of the claim. The…
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What happens if my former law firm is still listed as representing me after my case was transferred? — Durham, NC
Your new lawyer will usually need to correct the insurer’s records with written confirmation that the former law firm no longer represents you. Until…
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What happens after my legal team receives and reviews all of my medical records? — Durham, NC
After reviewing your medical records and bills, your legal team will usually identify missing information, evaluate how the records connect your…
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What evidence is needed to support an underinsured motorist claim after a pedestrian accident? — Durham, NC
A strong underinsured motorist claim usually needs evidence of insurance coverage, the driver’s fault, the pedestrian’s injuries and damages, and…
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What does medical payments coverage pay for after a car accident? — Durham, NC
Medical payments coverage, often called MedPay, generally pays covered accident-related medical and funeral expenses up to the purchased policy…
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What can I do if another driver's insurance company is pursuing me over a collision? — Durham, NC
You can dispute the insurance company’s claim, but do not ignore its letters or handle the matter without notifying the automobile insurer that…
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How should I document ongoing pain and medical treatment after being released from the emergency room? — Durham, NC
Document your symptoms, activity limits, appointments, medical records, bills, and missed work in a consistent and factual way. Follow your…
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How is permanent loss of function in my dominant hand considered in a motorcycle accident claim? — Durham, NC
Permanent loss of function in your dominant hand may be considered as a separate and significant part of a North Carolina motorcycle accident claim.…
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How is fault determined after a minor vehicle collision when there is no police report? — Durham, NC
Fault can still be determined without a police report. Insurers, attorneys, and—if a lawsuit is filed—a judge or jury evaluate driver statements,…
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How does chiropractic treatment affect the value of a car accident injury claim? — Durham, NC
Chiropractic treatment can support the value of a car accident injury claim when the records show that the treatment was connected to the collision,…
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How does an insurance company divide the available coverage when several people are injured in the same accident? — Durham, NC
An insurance company usually evaluates each injured person’s documented damages, legal responsibility, and possible defenses before dividing a…
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How do soft-tissue injuries, chiropractic treatment, and missed work affect the value of a car-accident claim? — Durham, NC
Soft-tissue injuries, chiropractic treatment, and missed work can all affect a North Carolina car-accident claim, but there is no fixed formula.…
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How could the current condition of my hand affect my personal injury claim? — Durham, NC
Your hand’s current condition may affect how the claim documents the injury’s duration, functional impact, medical expenses, pain, and possible…
