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Accident Q&A series

  1. What happens if an insurance claim from a car accident was already opened and then closed before my lawyer got involved? — Durham, NC

    A claim being opened and later marked closed does not automatically mean your North Carolina injury claim is over. Often, it means the insurer…

  2. What happens if a police report was made but I do not have medical records yet after a car accident? — Durham, NC

    A police report can help document that the crash happened, but it usually does not prove that you were injured or that the crash caused your…

  3. What evidence do I need to support a personal injury claim after a head-on collision? — Durham, NC

    You usually need evidence showing how the head-on collision happened, who was at fault, what injuries you suffered, and how the crash affected your…

  4. What do I need to sign so a lawyer can get my medical records and deal with the insurance company for me? — Durham, NC

    Usually, you will be asked to sign a representation agreement and one or more written authorization forms. In a North Carolina personal injury claim,…

  5. What can I do if the insurance company says the driver is not responsible for the damage to my vehicle? — Durham, NC

    You may still have options, but the next step depends on why the insurer denied responsibility. In North Carolina, a denial often turns on fault,…

  6. What can I do if I have back pain and knee pain after being hurt as a passenger in a crash? — Durham, NC

    You may still have a North Carolina personal injury claim as an injured passenger, but the strength of the claim often depends on fault, medical…

  7. What are my options if my truck is returned from the shop still broken after an accident claim? — Durham, NC

    You may still have options, but the right path depends on whether the problem is an unfinished repair, crash-related damage the insurer is disputing,…

  8. Should I pay medical bills I receive while my injury claim is still open and I am using insurance? — Durham, NC

    Usually, yes—you should not assume an open injury claim means you can ignore medical bills that are coming due. In North Carolina, treatment bills…

  9. How do I prove my injuries were caused by the accident when I already had serious medical conditions? — Durham, NC

    Yes, you may still be able to prove the crash caused new injuries or made an existing condition worse. In North Carolina, the key issue is usually…

  10. How do I know which state I need to file a personal injury claim in? — Durham, NC

    Usually, a personal injury claim is filed in the state where the accident happened or where the defendant can legally be sued, but the full answer…

  11. How do I handle car damage after an accident when the other driver was at fault? — Durham, NC

    If the other driver was at fault, vehicle damage is usually handled through an insurance property-damage claim, but you still need proof of fault,…

  12. How do I deal with both insurance companies when each side is trying to blame the other after a car accident? — Durham, NC

    Start by treating the case as a disputed-fault claim and assume both insurers are building their own version of what happened. In North Carolina,…

  13. How can I prove my insurance policy if I do not know the phone number or policy information on the account? — Durham, NC

    You can often prove your North Carolina auto insurance even if you do not know the policy number or the insurer’s phone number. Start with any…

  14. How are damages handled in a personal injury case when my treatment was covered through veterans' benefits? — Durham, NC

    Your injury claim may still include the reasonable value of accident-related medical care even if your treatment was provided through veterans'…

  15. Does it matter that there was no police report after my truck was damaged in a deer collision? — Durham, NC

    Yes, it can matter, but a missing police report does not automatically end a North Carolina property-damage claim. In a deer collision, the bigger…

  16. Do I have a case for a minor car accident if no one was hurt and no insurance claim was filed? — Durham, NC

    Maybe, but usually only for vehicle damage or other financial loss, not a personal injury claim, if no one was hurt. In North Carolina, whether you…

  17. Can the VA seek reimbursement from my accident settlement for treatment related to my injuries? — Durham, NC

    Yes, in many cases the VA may seek reimbursement for the reasonable value of accident-related care it provided, especially when the treatment was for…

  18. Can the injured driver handle the claim even if the insurance policy and vehicle are in my name? — Durham, NC

    Usually yes. In a North Carolina car accident claim, the injured person is generally the one who handles the bodily injury claim, even if the vehicle…

  19. Can my spouse bring an injury claim if they were rear-ended while driving my car? — Durham, NC

    Yes. In North Carolina, the person who was injured usually has the right to bring the bodily injury claim, even if the car belonged to someone else.…

  20. Can my lawyer send a letter of representation after the insurance company has already closed the claim? — Durham, NC

    Yes. A lawyer can still send a letter of representation even if the insurance company says the claim file is closed. In many North Carolina injury…

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