Firm news
Accident Q&A series
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What is the current status of our related personal injury claims?
Based on the information provided, the related personal injury claims appear to remain active but are at different stages.
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What does it mean when a personal injury demand is awaiting lien verification?
It usually means the claim team is confirming whether medical providers, health plans, or government benefit programs have a right to repayment from any…
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What can I do if my vehicle settlement does not cover the remaining auto loan?
You may be able to challenge the vehicle valuation, make a claim under guaranteed asset protection coverage, or arrange payment of the remaining balance with…
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What can happen if the insurance companies do not respond to a settlement demand?
An insurer’s silence does not automatically accept the settlement demand, admit fault, or require payment.
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Has the firm received all of the medical records needed for my child's personal injury claim?
No. Based on the current information, records from one medical provider are still outstanding.
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Could gap insurance cover the difference between the settlement and what I still owe?
Yes, GAP protection may cover some or all of the difference if the vehicle was declared a total loss, the protection was active, and the claim satisfies the…
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Can I challenge an insurance company's valuation of my damaged vehicle?
Yes, you can ask an insurance company to reconsider its vehicle valuation, especially if the report contains errors or relies on vehicles that are not truly…
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Am I responsible for the remaining loan balance after my vehicle is declared a total loss?
Usually, yes. If a North Carolina total-loss payment is less than the loan payoff, the borrower generally remains responsible for the shortfall unless a GAP…
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Who may be responsible when a bus pulls into another vehicle's path and causes a collision?
The bus driver, the public agency or private company operating the bus, and sometimes another driver may be responsible, depending on how the collision…
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Who decides whether to accept a settlement in a personal injury case?
You decide whether to accept or reject a settlement of your personal injury claim.
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When can an insurer stop providing a rental car after declaring my vehicle a total loss?
An insurer generally does not have to provide a rental car indefinitely after a vehicle is declared a total loss.
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What should I do after receiving urgent-care treatment for injuries from a rear-end collision?
Follow the urgent-care provider’s instructions, arrange any recommended follow-up, and keep complete records of your symptoms, treatment, medication,…
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What should I consider before giving accident photos to the other driver's insurance company?
Before sending accident photos, preserve the original files and consider what the images show about vehicle damage, impact location, fault, and the…
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What should I check in a release to make sure it does not give up rights beyond the property damage claim?
Check that the release is limited expressly to property damage and does not settle bodily injury, medical expenses, benefit-program recovery rights, or every…
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What happens if the insurance company denies my injury claim or makes a settlement offer?
A denial or settlement offer usually does not end your options. You may ask for the insurer’s reasoning, provide additional evidence, negotiate, or consider…
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What happens if a lien cannot be verified after settlement documents are signed?
If a possible lien cannot be verified, some or all settlement proceeds may remain on hold while the attorney or insurer determines whether the claim is valid…
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What does third-party lien verification mean after a car accident settlement?
Third-party lien verification means checking whether a medical provider, government benefit program, health plan, or another entity has a legally enforceable…
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What documents should I provide for out-of-pocket therapy expenses and missed work?
Provide itemized therapy bills, proof of each payment, treatment records, and a list matching each expense to a therapy date.
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What compensation can an injured passenger seek for ongoing back, arm, and shoulder pain after a car accident?
An injured passenger may seek compensation for accident-related medical expenses, lost income, pain and suffering, reduced ability to perform normal…
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What can I do if the insurer's total-loss offer is not enough to replace my car with a dependable vehicle?
You can ask the insurer to explain its valuation, identify the vehicles it used for comparison, and reconsider any incorrect mileage, trim, options,…
