Understanding the Problem

If you are pursuing a North Carolina personal injury claim and you are still receiving medical treatment for your injuries, can you still settle the claim now, or do you have to wait until your treatment is finished and you have a final medical evaluation?

Apply the Law

Most North Carolina personal injury claims settle through a written settlement agreement and release, usually with an insurance company for the at-fault party. North Carolina law generally allows parties to compromise and settle a claim at any time, including while treatment is ongoing. The key legal and practical point is that a settlement typically resolves the claim in full, so the timing of settlement matters because it affects what you can prove and what future medical needs you may be giving up.

Also, settling does not automatically stop the statute of limitations clock. In many personal injury cases, you must either settle or file a lawsuit before the applicable deadline expires.

Key Requirements

• A clear medical picture: You need enough medical records and provider opinions to connect the injury to the incident and to show what treatment you needed (and may still need).
• Documented damages: Settlement value is usually driven by documented medical bills/records, time missed from work, and how the injury affects daily life; ongoing treatment can leave key numbers unknown.
• A written settlement and release: Most settlements require you to sign a release; once signed, it commonly ends your right to pursue more compensation for the same incident.
• Awareness of liens/subrogation: Health insurers and certain benefit plans may have reimbursement rights that must be addressed before money is distributed.
• Deadline management: You must protect the filing deadline even if you are still treating; settlement talks do not automatically extend it.

What the Statutes Say

• N.C. Gen. Stat. § 1-52 (Three years) - Sets a three-year limitations period for many "injury to the person" civil claims.
• N.C. Gen. Stat. § 1-15 (Statute runs from accrual of action) - Includes special timing rules for malpractice claims, including a general outside limit (repose) in many situations.
• N.C. Gen. Stat. § 1-540.3 (Advance payments) - Allows advance/partial payments without admitting liability and explains they generally do not act as a release unless the written agreement says so.
• N.C. Gen. Stat. § 1-540.2 (Property damage settlements from motor vehicle collisions) - Clarifies that settling property damage alone does not automatically release bodily injury claims unless the written settlement terms say it does.

Analysis

Apply the Rule to the Facts: Because you are still receiving treatment related to the injury claim, your case can still settle now, but the settlement amount may be harder to evaluate without knowing whether you will need more care or whether your provider will assign permanent restrictions. If you settle before treatment ends, you are typically trading certainty (money now) for the risk that future medical needs or complications will not be covered by the settlement. That is why your attorney is asking whether treatment is finished and whether a final evaluation is expected.

Process & Timing

1. Who files: Usually no one “files” to settle; the injured person (through counsel) negotiates. Where: Settlement is typically handled outside court; if a lawsuit is needed to protect the deadline, it is filed in the North Carolina trial courts (often Superior Court) in the proper county. What: A written settlement agreement and release; if partial payments are involved, the paperwork should clearly say whether it is a full settlement or only an advance/partial payment. When: Before the statute of limitations expires (often three years for many personal injury claims), even if treatment is ongoing.
2. Information gathering: Your attorney typically requests updated medical records and bills, confirms upcoming appointments, and may ask your provider about prognosis, work restrictions, and whether you are near “maximum medical improvement” (a point where your condition has stabilized).
3. Resolution: If the parties agree, you sign the release, liens are addressed, and the settlement funds are disbursed according to the settlement terms and applicable reimbursement rules.

Exceptions & Pitfalls

• Settling too early: If you settle before your condition stabilizes, you may undervalue future care needs, future work limitations, or permanent symptoms that become clearer later.
• Release language that is broader than you expect: Some releases aim to cover “known and unknown” injuries; once signed, it can be very difficult to reopen the claim.
• Confusing partial payments with settlement: A check labeled as an “advance” or “partial payment” should not be treated as a full settlement unless the written agreement clearly says it is. North Carolina law recognizes advance payments that do not, by themselves, release the claim.
• Property-damage-only settlements: In a car wreck, settling the vehicle damage does not automatically settle the injury claim unless the written agreement says it is a full settlement of all claims.
• Different deadlines for different claim types: Some cases (such as malpractice) can have different timing rules, including an outside limit that may apply even if treatment continues.

Conclusion

Under North Carolina law, you can settle a personal injury claim while you are still treating or waiting on a final medical evaluation, but doing so usually means you are resolving the claim for good based on what is known at that time. The biggest practical risk is settling before your medical condition and future care needs are clear. The most important next step is to confirm your treatment status and upcoming evaluations with your attorney so they can value the claim and protect the filing deadline before it expires.

Talk to a Personal Injury Attorney

If you’re dealing with an injury claim while you’re still in treatment, our firm has experienced attorneys who can help you understand your options, evaluate the risks of settling early, and track the deadlines that can affect your case. Call CONTACT NUMBER to talk about next steps.

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.