In North Carolina, the at‑fault driver’s auto liability insurance is primary; when the vehicle is a car‑sharing rental, a policy tied to the car‑sharing period typically applies first. If you cannot get a response, use your own Medical Payments (MedPay) coverage and health insurance now, and open an uninsured/underinsured motorist (UM/UIM) claim with your auto insurer as a safety net. Document all treatment and give prompt written notice to your insurer. You generally have three years to file a lawsuit if needed.
You want to know how to get your medical treatment paid after a North Carolina crash when the at‑fault vehicle was a car‑sharing rental and the insurer is not responding. As the injured passenger, you’re seeking coverage for treatment and a clear path forward if the rental platform’s insurer will not engage. You were a passenger on a North Carolina interstate.
Under North Carolina law, injury claims are fault‑based. The at‑fault vehicle’s liability coverage is primary, including for permissive users. For car‑sharing rentals, coverage during the “sharing period” is typically primary through a policy associated with the vehicle or platform. If liability coverage is unavailable or nonresponsive, you can use MedPay (if on your policy) and health insurance to keep treatment moving, and you may pursue UM/UIM through your own auto policy. Lawsuits are filed in the county trial courts (District or Superior Court, depending on claim size), and most injury claims carry a three‑year statute of limitations from the crash. UM/UIM often requires timely notice and, before accepting any liability settlement, compliance with your policy’s consent procedures.
Apply the Rule to the Facts: As a North Carolina passenger, you can claim first against the car‑sharing vehicle’s liability coverage for your hospital visit and chiropractic care. Because you cannot reach that insurer, use MedPay (if in your auto policy) and health insurance to keep treatment going, while opening a UM/UIM claim with your own insurer. The gap in care may prompt causation questions, so document symptoms and follow your provider’s recommendations to connect the treatment to the crash.
In North Carolina, the at‑fault vehicle’s liability insurance pays first, and for car‑sharing rentals a policy tied to the sharing period is typically primary. If that carrier will not respond, use MedPay and health insurance and open a UM/UIM claim with your auto insurer to protect yourself. If needed, you may sue in the proper county court. Next step: If the liability carrier remains unreachable, file a lawsuit in North Carolina before the three‑year deadline.
If you're dealing with a car‑sharing crash and nonresponsive insurers, our firm has experienced attorneys who can help you understand coverage options, notices, and deadlines. Reach out 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.
