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Accident Q&A series

  1. What happens if my spouse's condition changes after we start discussing a settlement? — Durham, NC

    If your spouse’s condition changes after settlement talks begin, that can affect how the claim should be evaluated, especially if treatment is still…

  2. What happens if Medicare has a lien on my car accident settlement? — Durham, NC

    If Medicare paid for accident-related treatment, part of your car accident settlement may need to be repaid before the money is fully disbursed. In…

  3. What happens if an imaging center contacts me about an MRI that I do not think I need for my car accident case? — Durham, NC

    An imaging center contacting you about an MRI does not automatically mean you must schedule it for your North Carolina car accident claim. What…

  4. What documents do I usually need to provide when an insurance company is taking possession of a damaged vehicle? — Durham, NC

    Usually, yes. When an insurance company is taking possession of a damaged vehicle as part of a North Carolina property damage claim, it often asks…

  5. What documents am I supposed to provide when an insurance company takes possession of my car? — Durham, NC

    If an insurance company is taking possession of your car as part of a North Carolina total-loss or salvage claim, it is often appropriate for the…

  6. What can I do if another driver pulled out in front of me and I was hurt in the crash? — Durham, NC

    You may be able to pursue an injury claim against the other driver if the evidence shows that driver failed to yield and caused the crash. In North…

  7. Should I tell the insurance company to contact my lawyer if they ask about my doctors or medical treatment after a car accident? — Durham, NC

    Yes, if a lawyer is handling your injury claim, it is usually reasonable to tell the insurance company to contact your lawyer about your doctors,…

  8. How does an insurance company decide what to offer in a personal injury settlement? — Durham, NC

    An insurance company usually looks at liability, the seriousness of the injuries, medical records and bills, out-of-pocket losses, and how believable…

  9. How do I verify which medical providers were paid by the insurance company after my accident? — Durham, NC

    You can usually verify this by requesting a written payment history from the insurer and comparing it to your providers’ billing records. In a North…

  10. How do I prove my injuries were caused by the crash if I was not taken by ambulance from the scene? — Durham, NC

    Yes, you may still be able to prove your injuries were caused by the crash even if you were not taken from the scene by ambulance. In a North…

  11. How do I prove my back injuries were caused by the accident if I went to the emergency room and then saw a chiropractor? — Durham, NC

    You prove it by connecting the crash to your symptoms with consistent records, timing, and treatment history. In North Carolina, the insurer will…

  12. How do I make sure the insurance company only contacts my lawyer about my injury claim? — Durham, NC

    Yes. Once the insurance company knows you are represented, you can direct it to communicate through your lawyer instead of contacting you about the…

  13. How do I know whether a settlement offer is fair after an accident that caused surgery and other medical treatment? — Durham, NC

    A settlement offer is only fair if it reasonably accounts for the full effect of the injury, not just the insurer’s latest number. In a North…

  14. How do I know when I have reached the point where my injury claim is ready to settle? — Durham, NC

    Your injury claim may be ready to settle when your treatment is mostly complete, your condition is stable enough to understand the lasting effects,…

  15. Can medical bills from the emergency room and ambulance be taken out of my personal injury settlement? — Durham, NC

    Yes, they can be, but not every bill should automatically come out of your settlement. In North Carolina, certain injury-related medical providers,…

  16. Can I settle my personal injury case if I am mostly done with treatment but might still attend therapy? — Durham, NC

    Yes, you may be able to settle a North Carolina personal injury case when treatment is mostly finished, but timing matters. If you settle too early,…

  17. Can I send my vehicle title and bill of sale to the insurance company if they are handling the damage claim? — Durham, NC

    Yes, sometimes sending the vehicle title and related ownership paperwork is a normal part of a North Carolina property-damage claim, especially if…

  18. Can I recover for my vehicle damage after a car accident if the insurance company says it will pay once my policy is reinstated? — Durham, NC

    Maybe, but you should not assume payment is guaranteed just because an insurance company said it may pay after a policy is reinstated. In North…

  19. Can I recover compensation if my shoulder, neck, and back injuries are keeping me from doing my delivery job? — Durham, NC

    Yes, you may be able to recover compensation if crash-related shoulder, neck, and back injuries are limiting your ability to do delivery work. In…

  20. Can I recover compensation for medical treatment and physical therapy after a car accident? — Durham, NC

    Yes, you may be able to recover compensation for medical treatment and physical therapy after a car accident in North Carolina if the care was…

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