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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Who can respond to a personal injury demand if the assigned insurance adjuster is unavailable? — Durham, NC
A backup adjuster, claims supervisor, team lead, claims manager, or another insurance representative with authority over the file may respond when…
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Which insurance company handles a claim involving a bus and a privately owned vehicle? — Durham, NC
The correct insurance company depends on who caused the collision, who owned and operated each vehicle, whether the private vehicle was rented, and…
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What should I do if police responded to the accident but did not prepare an official crash report? — Durham, NC
Contact the responding agency to confirm whether a report is pending, was classified as unnecessary, or exists under a different incident number. A…
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What paperwork must be completed after both sides agree to settle an injury claim? — Durham, NC
After both sides agree to settle an injury claim, the claimant usually signs a written release, confirms any required payment instructions, and…
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What options does my spouse have if the insurance settlement offer does not adequately cover the injuries and surgeries? — Durham, NC
Your spouse does not have to accept an inadequate settlement offer. Before signing a release, your spouse may document the full extent of the…
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What options do I have for paying accident-related medical bills if my policy does not include first-party coverage? — Durham, NC
You may be able to use health insurance, arrange payments directly with medical providers, identify other potentially available coverage, or seek…
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What medical records should my spouse preserve after receiving hospital, surgical, and chiropractic treatment? — Durham, NC
Your spouse should preserve the complete medical chart and separate billing records from every provider involved, including ambulance, hospital,…
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What injuries and medical concerns has the claimant reported? — Durham, NC
The claimant has reported rib, shoulder, neck, and lower-back injuries after a vehicle accident and is still receiving treatment. The available facts…
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What information can help identify the correct insurance coverage after a car accident? — Durham, NC
The most useful information includes the vehicle identification number, license plate, registered owner’s full name, driver’s identifying…
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What information can an insurer use to find coverage when the driver and vehicle owner are different people? — Durham, NC
An insurer may search for coverage using information about both the driver and the vehicle owner, including their full names, addresses, driver’s…
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What happens when I sign a release accepting a policy-limits settlement? — Durham, NC
Signing a settlement release usually ends your injury claim against the people, companies, and insurers named in the document, even if another…
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What happens to accident-related health insurance claims when I sign a settlement release? — Durham, NC
Signing a settlement release usually ends your right to seek additional accident compensation from the parties named in the release, but it does not…
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What happens if the vehicle involved in the crash may have been a rental? — Durham, NC
A possible rental vehicle adds an insurance investigation, but it does not prevent you from pursuing a North Carolina injury claim. The driver,…
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What happens if my spouse needs another surgery before resolving the injury claim? — Durham, NC
A possible second surgery can significantly affect when and how an injury claim should be resolved. Before signing a release, your spouse should…
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What evidence can I use to support my account when there is no official police report? — Durham, NC
You can support your account with photographs, video, witness statements, vehicle damage records, electronic data, insurance communications, and a…
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What does it mean when an insurance company offers its full policy limit? — Durham, NC
It usually means the insurance company is offering the maximum amount available under a particular liability coverage for the claim. It does not…
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What does a public health benefits lien letter mean after a personal injury settlement? — Durham, NC
A public health benefits lien letter usually means that a government health program believes it paid medical expenses connected to your injury and…
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What can I do when an insurer has not responded to a personal injury demand? — Durham, NC
Confirm that the insurer received a complete demand, follow up in writing, and ask the assigned adjuster, backup adjuster, or supervisor for a…
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What can I do if an insurer cannot locate the other driver's policy? — Durham, NC
An insurer’s inability to locate a policy does not necessarily mean the other driver was uninsured. The next steps are to verify the driver and…
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Should I continue chiropractic treatment or switch to physical therapy after an accident? — Durham, NC
The decision should be based on your condition and a licensed medical provider’s recommendation, not on what you think an insurer wants to see.…
