Short Answer

In North Carolina, you maximize recovery by proving every category of loss with clear paperwork. Send itemized medical bills and records, health insurance explanations of benefits (EOBs), proof of payments and any remaining balances, property damage and diminished-value proof for your vehicle, wage-loss documents, and receipts for out-of-pocket costs. Include the notarized witness affidavit the insurer requested so the claim can reopen, and gather any provider lien statements so payment can be properly disbursed.

Understanding the Problem

You’re asking, in North Carolina, what additional documentation you should provide to your auto insurer so you can be fully paid for your accident-related losses. You are the injured driver seeking payment from the insurance company, which will reopen the claim once it receives a notarized witness affidavit. You want to know what else to submit beyond the repair and medical bills you already sent.

Apply the Law

Under North Carolina law, insurers and courts pay documented losses. For medical expenses, the focus is on what was actually paid (and what is still owed), so EOBs and proof of payment matter. Medical providers may have statutory liens that must be resolved from any settlement, so you should supply lien information early. For vehicle damage, you can recover reasonable repair costs and, when supported, diminished value for a high-value car. If negotiations fail, personal injury suits are filed in District or Superior Court, and general filing deadlines can apply.

Key Requirements

• Medical expenses: Itemized bills and treatment records, EOBs showing amounts paid and adjustments, and proof of any outstanding balances.
• Provider liens: Hospital/doctor/chiropractor lien notices or statements so the insurer can disburse funds correctly.
• Property damage and diminished value: Photos, repair estimates and invoices, towing/storage bills, rental bills, and a diminished-value appraisal (especially for a high-value vehicle).
• Wage loss: Employer letter confirming dates missed and rate of pay, recent pay stubs, and a doctor’s note taking you out of work.
• Out-of-pocket costs: Receipts for prescriptions, medical devices, co-pays, mileage or rides to appointments, and other crash-related expenses.
• Witness affidavit: A signed, notarized statement based on the witness’s personal knowledge, with date, location, and what they observed.
• Insurance documents: Your health insurance/Medicare/Medicaid EOBs and any subrogation/lien correspondence.

What the Statutes Say

• North Carolina Gen. Stat. § 44-49 (Medical Provider Liens) - lets hospitals, physicians, and chiropractors assert liens on third-party recoveries; requires furnishing bills/records upon request.
• North Carolina Gen. Stat. § 44-50 (Distribution of Recovery) - sets how settlements are distributed and caps total medical liens from the recovery.
• North Carolina Rule of Evidence 414 (Medical Expenses) - limits proof of past medical expenses to amounts actually paid and amounts necessary to satisfy outstanding charges.

Analysis

Apply the Rule to the Facts: Because your insurer will reopen the claim upon receiving the notarized witness affidavit, finalize that first. Next, for your hospital and chiropractic care, provide itemized bills, the records supporting why each service was needed, your EOBs, and proof of any remaining balances. For your high-value vehicle, submit repair invoices, photos, towing/storage and rental receipts, and a credible diminished-value appraisal. Add wage-loss proof and receipts for every out-of-pocket cost tied to the crash.

Process & Timing

1. Who files: You or your attorney. Where: Send to the insurance adjuster handling your North Carolina claim. What: A complete packet: notarized witness affidavit; medical bills/records, EOBs, and payment proofs; lien statements; property damage and diminished-value proof; wage-loss documents; receipts. When: As soon as each document is available; if a lawsuit is needed, North Carolina generally has a three-year filing deadline for personal injury and property damage.
2. The insurer reviews and may request targeted releases or clarifications; respond promptly and keep a list of all providers and amounts paid/owed to speed lien resolution.
3. If settlement terms are reached, the insurer will issue payment and address medical liens from proceeds; if not, your attorney can file suit in the appropriate North Carolina court.

Exceptions & Pitfalls

• Only amounts actually paid (plus amounts still owed) are used to prove past medical expenses in court—include EOBs and payment proofs, not just total charges.
• Provider liens must be satisfied from settlement; failing to gather lien statements can delay payment.
• Diminished value needs real support for high-value vehicles; provide a credible appraisal and pre-loss condition proof.
• Witness affidavits should be based on personal knowledge and notarized; avoid hearsay and ensure the notary properly verifies identity.
• Policy-specific deadlines (like med-pay notice) can affect coverage; review your policy and calendar dates.

Talk to a Personal Injury Attorney

If you're dealing with medical bills, vehicle damage, and an insurer asking for more proof, our firm has experienced attorneys who can help you understand your options and timelines. Call us today.

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.