When you file a personal-injury claim in North Carolina, the burden rests on you to prove the nature and value of your injuries. The most persuasive evidence comes from complete, well-organized medical records and itemized bills. Below is a step-by-step guide that walks you through the process from first treatment to final submission.
From the first doctor’s visit, create a dedicated folder—physical or digital—for:
Early organization prevents last-minute scrambles when the insurer or opposing counsel requests documentation.
North Carolina law gives patients the right to access their medical records. Health-care providers may charge a reasonable copying fee under N.C. Gen. Stat. § 90-411. Federal HIPAA rules also permit you to request records directly or through your attorney.
Send each provider a written request that includes:
Ask for an itemized bill, not just a balance-due statement. Itemization shows CPT codes, which insurers need to evaluate your expenses.
Create a spreadsheet with columns for provider, date requested, cost, date received, and follow-up notes. If a provider misses the 30-day HIPAA deadline, send a polite reminder. Persistency signals professionalism and keeps your claim on track.
Once records arrive, look for:
Contact the provider promptly to correct errors. Inconsistent medical records weaken settlement value.
Insurers value concise summaries. Draft a medical chronology listing each appointment, procedure, and corresponding bill. Attach proof of mileage for travel to out-of-county providers—these costs are recoverable under North Carolina law.
North Carolina permits certified medical records and bills to come into evidence without live testimony if they comply with N.C. Gen. Stat. § 8-44.1. Ask each provider for a notarized affidavit of authenticity to avoid later subpoena costs.
Send a demand letter that includes:
Send the package by certified mail or secure portal, and keep a copy for your file.
If negotiations fail, you may need to file a lawsuit. Keep original certified records sealed as received; courts prefer unaltered documents.
Under N.C. Gen. Stat. § 1-52(16), most personal-injury claims carry a three-year deadline. Gather records early so you can file suit on time if necessary.
Need help gathering or submitting medical records? Our seasoned North Carolina personal-injury attorneys can relieve the paperwork burden and fight for the compensation you deserve. Call us today at 919-313-2737 for a free consultation.
