Short Answer

In North Carolina, children who were not physically injured may still recover for negligent infliction of emotional distress if the at‑fault driver’s negligence foreseeably caused them severe emotional distress. You must show real, diagnosable distress (not just worry or annoyance) caused by the crash. A parent files the child’s claim, any settlement for a minor must be approved by a judge, and funds are typically restricted for the child’s benefit.

Understanding the Problem

You are asking whether, under North Carolina personal injury law, you can recover money for your children’s emotional distress from a rear‑end crash even though your children were not physically hurt. You want to know what the law requires, where to file, and how minor settlements are handled.

Apply the Law

North Carolina recognizes negligent infliction of emotional distress (NIED). To recover, a child must prove the other driver was negligent, that the child’s severe emotional distress was a foreseeable result, and that the negligence caused that distress. Severe emotional distress means a serious mental condition shown by diagnosis or clear evidence of significant impairment. Being in the car or witnessing the event increases foreseeability, especially for close family members. Claims for minors are brought by a parent as “next friend,” are filed in civil court, and any settlement must be approved by a judge. Minor settlement funds are typically deposited in a restricted account or with the Clerk of Superior Court and can be used only for the child’s benefit.

Key Requirements

• Negligence: The other driver breached a duty of care (e.g., rear‑ending at a light) and caused the crash.
• Foreseeability: It was reasonably predictable that a child in or at the scene could suffer serious emotional harm from the event.
• Severe emotional distress: The child has a significant mental health impact (often supported by a diagnosis or treatment records), not mere upset.
• Causation: The crash caused the child’s distress.
• Minor procedures: A parent files as next friend; a judge must approve any settlement; funds are restricted for the child’s benefit.

What the Statutes Say

• N.C. Gen. Stat. § 1-52 (Three-year limit for negligence) - Most personal injury claims must be filed within three years.
• N.C. Gen. Stat. § 1-17 (Tolling for minors) - The limitations period is paused while a child is under 18.
• N.C. R. Civ. P. 17 (Minors sue by next friend/guardian ad litem) - A parent or appointed adult must act for the child in court.
• N.C. Gen. Stat. § 7A-111 (Clerk may hold minor’s funds) - The Clerk can receive and safeguard a child’s settlement funds and restrict disbursements.

Analysis

Apply the Rule to the Facts: Your children were passengers during a rear‑end collision. That satisfies the negligence and foreseeability framework for NIED because occupants commonly experience serious emotional harm from sudden crashes. If your children show severe emotional distress supported by evaluation or treatment (for example, recurring anxiety when passing the crash site), that can meet the “severe” threshold. Documenting counseling or pediatric records will help link the crash to the distress.

Process & Timing

1. Who files: The parent, as next friend for each child. Where: File a civil action in the county where the crash occurred (District or Superior Court, depending on the amount in controversy) by filing a complaint and civil summons with the Clerk of Superior Court. What: Assert NIED for each child; include medical/therapy documentation. When: Generally within three years of the crash; the children’s claims are tolled during minority, but related adult claims are not.
2. Negotiate with the at‑fault driver’s insurer. For any minor settlement, file a short “friendly suit” or motion for court approval. A judge reviews the settlement, attorney’s fees, and how funds will be protected.
3. After approval, funds are typically placed in a restricted account or with the Clerk of Superior Court. Disbursements before age 18 are limited and must be for the child’s necessities or direct benefit, with receipts. At 18, the balance is released to the child absent a different lawful arrangement.

Exceptions & Pitfalls

• Temporary fear or sadness alone is usually not enough; courts look for significant, diagnosable emotional harm.
• Do not sign or cash checks that settle a minor’s claim without court approval; a parent’s release alone does not bind a child’s claim.
• Minor funds are not for general family expenses; early withdrawals require a court or Clerk order and must be for the child’s benefit with receipts.
• North Carolina’s contributory negligence rule can bar recovery if the claimant is negligent; this rarely applies to young child passengers but can be argued for older teens depending on facts.

Talk to a Personal Injury Attorney

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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.