Short Answer

Not automatically. In North Carolina, you can recover for the aggravation of a pre-existing condition, and your age does not bar recovery. Insurers often try to discount portions of treatment they say are unrelated to the crash or reflect natural degeneration, and they consider what was actually paid for medical bills. Strong medical proof tying your current problems to the accident usually increases the offer.

Understanding the Problem

You want to know if, under North Carolina personal injury law, your age or pre-existing conditions can cause a lower insurance offer. You are the injured claimant negotiating with an insurer, and the company offered you less than a co-claimant from the same accident even though your medical bills are slightly higher. This question focuses on whether age and underlying conditions legally justify a lower valuation.

Apply the Law

North Carolina allows recovery for injuries caused by another’s negligence, including the aggravation of pre-existing conditions. The insurer (and a court, if you sue) looks at liability, causation, and damages. Causation often turns on medical evidence distinguishing accident-related aggravation from the natural progression of an existing condition. For medical expenses, North Carolina law limits proof to amounts actually paid or owed, not just amounts billed.

Key Requirements

• Liability (fault): Show the other party’s negligence caused the crash.
• Causation and aggravation: Prove the accident caused new injury or made a pre-existing condition worse.
• Medical proof: Use records and, when needed, a treating provider’s opinion to separate crash-related care from natural degeneration.
• Damages shown by amounts paid/incurred: Present the reasonable value of medical expenses as amounts actually paid or owed, plus lost income and pain and suffering where supported.
• Timely action: File suit before the statute of limitations expires if negotiations stall.

What the Statutes Say

• North Carolina Gen. Stat. § 1-52 (Three-year limitation) - Most personal injury claims must be filed within three years.
• North Carolina R. Evid. 414 (Amounts paid/incurred) - Evidence of medical expenses is limited to amounts actually paid to satisfy the bills or still owed.
• North Carolina Gen. Stat. § 8-58.1 (Medical bills as evidence) - Itemized bills and records can help prove the necessity and reasonableness of medical charges.

Analysis

Apply the Rule to the Facts: Your older age and pre-existing conditions do not automatically justify a lower offer. The insurer may be discounting care it views as unrelated or degenerative. To counter that, get a treating provider’s opinion that the crash aggravated your condition and identify which treatment and costs are attributable to the accident. Because North Carolina limits proof to amounts paid or owed, make sure you present those numbers when comparing your claim to your co-claimant’s.

Process & Timing

1. Who files: You (or your attorney). Where: With the at-fault driver’s insurer first; if no agreement, in the General Court of Justice in the appropriate North Carolina county (District or Superior Court, depending on the amount sought). What: Pre-suit demand package with records, bills, and a doctor’s causation statement; if filing suit, a Complaint and Civil Summons (AOC-CV-100). When: Aim to resolve or file suit within the three-year limitation period.
2. After the demand, expect negotiation and possible requests for prior records to assess pre-existing conditions. This can take weeks to months depending on completeness of documentation and insurer review time.
3. If unresolved, file suit, serve the defendant, exchange discovery, and consider mediation. The case may resolve in litigation or proceed to trial for a judgment.

Exceptions & Pitfalls

• Age alone is not a lawful reason to reduce damages, but it can affect future-loss projections; focus on clear medical proof of aggravation.
• Without a provider’s opinion separating crash-related aggravation from natural degeneration, insurers may discount large portions of treatment.
• Gaps in treatment, inconsistent histories, or missing prior records can undermine causation.
• North Carolina’s contributory negligence rule can bar recovery if you were also negligent; insurers may raise this to justify a lower offer.

Talk to a Personal Injury Attorney

If you're dealing with an insurer discounting your claim because of age or pre-existing conditions, our firm has experienced attorneys who can help you understand your options and timelines. Call us today at 919-341-7055.

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.