Firm news
Accident Q&A series
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What happens if my medical bills are lower than the settlement offer?
If your medical bills are lower than the settlement offer, the difference may still matter because a North Carolina personal injury settlement can include…
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What happens if my car accident claim is still in negotiations and my health plan opens a reimbursement file?
Your car accident claim can usually keep moving, but the health plan reimbursement file must be handled before settlement money is distributed.
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What happens if an insurance adjuster does not clearly explain why my injury claim was denied?
An unclear denial does not necessarily mean your injury claim is over. In North Carolina, insurers are generally expected to give a reasonable explanation for…
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What happens after my personal injury claim settles with the insurance company?
After your personal injury claim settles, the case usually moves from negotiation to paperwork, payment, lien review, and disbursement.
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What can I do if the insurance company denies my personal injury claim?
You can ask for the denial basis in writing, compare it to the evidence, and respond with documents that address the insurer’s stated reason.
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What can I do if accident-related symptoms caused me to lose my job?
You may be able to include lost wages, lost earning ability, or lost business income in a North Carolina personal injury claim if you can connect the job loss…
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What can I do if a lien holder has not provided the final payoff amount?
You can ask your attorney for a clear status update, confirm that the lien holder has the needed authorization and settlement information, and request…
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Should I accept the insurance company’s first settlement offer after an injury?
You usually should not accept the insurance company’s first settlement offer until you understand your injuries, bills, lost income, fault issues, liens, and…
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Should I accept the insurance company's first settlement offer after an accident?
Usually, you should not accept a first settlement offer until you understand what claims it resolves, what bills or liens must be paid, whether your medical…
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How do I respond to an insurance company’s initial bodily injury settlement offer after a car accident?
Do not treat the first bodily injury settlement offer as the final word. In a North Carolina car accident claim, you can usually respond by reviewing the…
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How do I know whether a settlement offer covers my injuries and losses?
A settlement offer may cover your injuries and losses only if it accounts for your known damages, likely future needs, liability risks, liens, case costs, and…
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How can I get my vehicle repaired after an accident if the other driver's insurance cannot be found?
You may need to use your own auto insurance to get the vehicle repaired, especially if the other driver was uninsured or gave invalid insurance information.
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How are medical bills used in a personal injury case?
Medical bills are used to document the cost of injury-related care, help show damages, and identify bills or liens that may need to be addressed from any…
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Do I have to speak with the insurance company before the police report is finished?
No, you usually do not have to give a detailed statement to the other driver’s insurance company before the police report is finished.
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Can treatment records help prove my injuries in a personal injury claim?
Yes. Treatment records can help prove what injuries were documented, when symptoms were reported, what care was provided, and whether the injuries appear…
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Can my insurance company help find the at-fault driver's policy after a crash?
Yes. Your own insurance company may be able to help verify whether the at-fault driver had an active policy, especially if you provide the police report,…
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Can my attorney negotiate a health insurance lien after my injury case settles?
Yes. In many North Carolina personal injury cases, your attorney can review a health insurance lien or reimbursement claim and ask for corrections or a…
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Can medical payments coverage help pay my bills after a car accident?
Yes, medical payments coverage may help pay crash-related medical bills if the auto policy includes it and you qualify as an insured person under that policy.
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Can I still bring a personal injury claim if the other driver blames me for the crash?
Yes, you may still be able to bring a personal injury claim, but disputed fault is a serious issue in North Carolina.
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Can I recover losses if the vehicle I used for both work and housing was totaled in an accident?
Yes, you may be able to recover some losses, but each category must be tied to the crash, supported by proof, and allowed under North Carolina law.
