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 steps can I take if the officer recorded the wrong vehicle in the accident report?
In North Carolina, you cannot change a police crash report yourself. Ask the reporting agency (police department or State Highway Patrol) to file a…
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What options do I have if the settlement offer doesn’t cover the remaining loan balance?: Practical paths under North Carolina law
In North Carolina, the at-fault driver’s insurer generally owes you the vehicle’s actual cash value (ACV), plus applicable taxes and title fees—not your…
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What factors influence the amount I can recover for pain and suffering in a personal injury claim?
In North Carolina, pain and suffering is part of your compensatory damages and depends on the severity and duration of your injuries, how they disrupt your…
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What evidence, like video or photos, should I gather to prove I wasn’t involved in the crash?: North Carolina law
Gather time-stamped visuals and objective records that show where you were and what you were doing when the crash happened.
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What documentation do I need to prove my policy should cover the damaged vehicle?
In North Carolina, you need to show you are an insured under the auto policy and that the damaged vehicle fits a covered category under that policy (listed…
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What are my options when a crash vehicle isn’t qualified as an insured vehicle under a policy?
In North Carolina, if the at-fault vehicle is not listed on a policy or is otherwise denied as a “covered auto,” you still look for liability coverage under…
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What are my options if the insurer refuses to increase their settlement offer?
In North Carolina, if an insurer will not raise its offer, you can keep negotiating with stronger proof of liability and damages, escalate to a supervisor,…
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How does my federal employee health plan subrogation work and how much will I have to repay?: Answered for North Carolina
In North Carolina, your federal employee health plan (FEHBA) can demand reimbursement from your third‑party injury settlement for what it paid for…
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How do I work with my insurance company to investigate a claim when there was no damage to my car?: North Carolina Personal Injury
In North Carolina, promptly notify your auto insurer and cooperate reasonably with its investigation, even if your vehicle shows no visible damage.
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How do I document medical and diagnostic costs to strengthen my injury claim?: North Carolina personal injury guidance
In North Carolina, you prove past medical expenses with what was actually paid or what you still legally owe, not the full sticker price on bills.
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How do I decide what minimum settlement amount I should accept?: Clear steps under North Carolina personal injury law
Set your minimum by calculating your likely net recovery: start with the expected settlement, then subtract attorney fees, case costs, and all medical…
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How do I confirm I still have active UM coverage with my insurer?
In North Carolina, uninsured motorist (UM) coverage is built into most auto liability policies and must be active on the date of a crash to apply.
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How do gaps in my medical treatment after the accident affect my personal injury claim?
In North Carolina, gaps in medical treatment make it harder to prove that the crash caused your injuries and that your care was reasonable and necessary.
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How can I tell if the insurer's opening settlement offer fairly covers my medical expenses and pain and suffering?
In North Carolina, a fair opening offer should at least account for the medical expenses that are admissible in court (generally what was paid plus what you…
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How can I get a copy of the UM demand and denial letter from my insurer for my claim?
In North Carolina, ask your insurer in writing for duplicate copies of your uninsured motorist (UM) demand and the denial letter.
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How can I challenge a police report that lists my car as the at-fault vehicle when I wasn’t there?: Practical steps under North Carolina law
In North Carolina, a police crash report is not the final word on fault, and it can be corrected or supplemented by the investigating agency.
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Can I roll the shortfall from my totaled vehicle into a new auto loan and how does that work?
Yes. In North Carolina, the at-fault driver’s insurer typically owes the vehicle’s actual cash value (ACV), not your loan payoff.
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Can I recover costs or interest if the insurer reversed a payment in error?: North Carolina
In North Carolina, you generally recover court costs and interest only if you obtain a court judgment, not during a routine claim review.
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Can I negotiate for a higher settlement than the insurance adjuster's initial offer?
Yes. In North Carolina, you do not have to accept an insurance adjuster’s first offer, and you may counter with a higher demand supported by evidence.
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Can I force an auto insurer to clarify which vehicles are covered under a policy after an accident?
Yes. In North Carolina, you can ask a court for a declaratory judgment to decide whether the crash vehicle was a “covered auto” under the policy and what the…
