Firm news
Articles from the firm
Guidance written by the attorneys who handle the cases — on car accidents, insurance, liens, and what happens after an injury in North Carolina.
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What should I do if the insurance company has already contacted me about the accident?
If an insurance adjuster has already contacted you, you can be polite and responsive, but you should keep the conversation limited and documented.
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What should I do if I later find out I actually had some kind of health coverage at the time of the accident?
If you later learn you had health coverage at the time of the accident, do not sign or return a “no health insurance” affidavit that could be inaccurate.
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What should I avoid saying or doing after an accident to protect my claim?
After an accident in North Carolina, avoid saying anything that sounds like you were at fault, downplaying your injuries, or guessing about what…
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What medical treatment and records does an insurer usually consider when valuing an injury claim?
In North Carolina, insurers usually value an injury claim by looking at (1) what treatment you received, (2) what the records say about diagnosis, symptoms,…
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What is an affidavit of no health insurance, and why does the insurance company want me to sign it?
An “affidavit of no health insurance” is a sworn, usually notarized statement that you did not have health insurance (or did not have health insurance that…
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What information is typically needed to confirm whether first-party coverage applies to an injury claim?
In North Carolina, confirming first-party auto coverage (often called “MedPay,” and sometimes UM/UIM depending on the situation) usually requires the correct…
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What information do I need to request a police report for my car accident?
In North Carolina, you can usually request a copy of the investigating officer’s crash report by providing enough details to help the agency or the DMV locate…
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What happens if the hospital or clinic takes a long time to send my medical records and bills?
Delays in medical records and billing are common, and they often slow down settlement talks because the claim usually cannot be valued or documented without…
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What happens if my car accident occurred during a lapse in auto insurance coverage?
In North Carolina, if your auto policy truly lapsed before the crash date, your insurer may deny coverage for that accident.
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What happens if I previously hired a lawyer and they didn’t move my accident case forward?
In North Carolina, you can usually change lawyers if you feel your accident case stalled, but you should do it carefully so deadlines and evidence do not get…
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What happens if I don’t provide the affidavit the insurance adjuster is asking for?
In North Carolina, you usually are not legally required to sign an affidavit just because an insurance adjuster asks for it.
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What happens if I didn’t submit proof of lost wages—can I still recover for time missed from work?
Possibly, yes. In North Carolina, missed work time and lost earnings can be part of a personal injury claim, but the insurance carrier will usually require…
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What documents should I provide to support a higher pain-and-suffering settlement?
In North Carolina, “pain and suffering” (also called noneconomic damages) is supported best by records that show how your injuries changed your daily life—not…
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What documents should I gather to prove I had continuous coverage when the accident happened?
If an insurer says your auto policy lapsed, you usually need documents that show (1) the policy’s effective dates and covered vehicles/drivers and (2) that…
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What documents do I need to prove I didn’t have health insurance when I got medical treatment after a car accident?
In North Carolina car-accident claims, there usually isn’t one “magic” document that proves you had no health insurance.
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What are the next steps in my slip-and-fall case now that I’m mostly done with treatment but may still have follow-up visits?
In a North Carolina slip-and-fall case, the next steps usually focus on (1) finishing and documenting your medical course, (2) gathering proof the store had…
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If my insurer denies coverage, what other options do I have to recover for vehicle damage or injuries?
In North Carolina, a coverage denial by one insurer does not automatically end your ability to recover for vehicle damage or injuries.
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How long does it usually take to get medical records and bills and start negotiating with the insurance adjuster?
In North Carolina, getting complete medical records and itemized bills often takes weeks, not days, and it can take longer when multiple providers are involved.
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How is an insurance company’s settlement value calculated using medical bills, lost wages, and pain and suffering?
In North Carolina, an insurance company typically starts with the provable financial losses (like medical expenses and lost wages) and then evaluates…
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How do we prove the store was responsible for the puddle that caused my fall?
In North Carolina, proving a store was responsible for a puddle usually means showing the store either created the hazard or knew (or should have known) it…
