What Steps Are Involved in the Settlement and Disbursement of My Car Accident Claim in North Carolina?

After you and the insurance company agree on a settlement figure, you will receive a settlement statement. This document breaks down your total recovery, showing how medical bills, liens, and attorney’s fees are paid before you receive your net proceeds. Under North Carolina law, your attorney must obtain your electronic signature on this statement to confirm you understand and accept the breakdown. Once you sign, the law firm can issue checks to medical providers and forward your personal check with tracking. Typical settlement disbursement steps include:

• Preparation of the settlement statement by your attorney.
• Electronic delivery of that statement for your review and e-signature.
• Verification of your signature and issuance of checks to medical providers, lien holders, and you.
• Mailing your personal check via a trackable service.

During this process, confirm your mailing address and ask for tracking details so you know when to expect your funds. If medical providers have outstanding bills, your attorney handles negotiations or bill reductions before disbursing.

Managing your own car accident claim in North Carolina requires attention to deadlines, thorough documentation, and clear communication with insurers. First, report the accident to your insurer and obtain a copy of the police report. Document injuries, damages, and repair estimates. North Carolina’s “contributory negligence” rule bars recovery if you share any fault, so gather evidence—photos, witness statements, and medical records—to prove the other driver’s liability. Next, send a formal demand letter to the at-fault driver’s insurer outlining your damages: medical expenses, lost wages, and pain and suffering. Include supporting documents. Insurers often reply with an initial offer. Review it carefully: lowball offers are common. You can negotiate multiple times. If negotiations stall, consider mediation or filing suit. North Carolina’s statute of limitations for personal injury claims is three years from the accident date. Timely filing is critical. While handling the case yourself saves attorney fees, you assume the risk of missing legal pitfalls.