Firm news
Accident Q&A series
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Does my own underinsured motorist coverage still help if my policy limits are the same as the at-fault driver's policy? — Durham, NC
Usually not under current North Carolina law if your only available underinsured motorist coverage has the same limit as the at-fault driver's bodily…
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Can I use a household member's car insurance for underinsured motorist coverage if we live at the same address? — Durham, NC
Possibly. In North Carolina, underinsured motorist coverage can extend beyond the named policyholder to certain relatives who are residents of the…
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Can I take legal action if the insurance company refuses to pay fair diminished value for my repaired car? — Durham, NC
Yes. In North Carolina, if your vehicle was damaged by another driver and repairs still left it worth less on the market, you may be able to pursue…
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Can I still make an injury claim if I had neck and back pain but did not go to the hospital by ambulance? — Durham, NC
Yes. In North Carolina, you can still pursue an injury claim even if you were not taken from the scene by ambulance. What usually matters more is…
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Can I recover the money I am paying out of pocket for a rental car after a crash that was not my fault? — Durham, NC
Often, yes. Under North Carolina law, rental car costs can be part of a property damage claim as loss-of-use damages when another driver caused the…
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Can I include chiropractic care, imaging, and massage therapy in my injury claim after a car accident? — Durham, NC
Yes, in North Carolina, an injury claim can include chiropractic care, imaging, and massage therapy if those services were reasonably necessary and…
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Can I get more compensation after a car accident if the other driver's insurance already offered the full policy limits? — Durham, NC
Sometimes, yes. In North Carolina, an offer of the at-fault driver's full policy limits does not always end the case if there is other available…
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Can I get another repair estimate if the first insurance payment seems too low? — Durham, NC
Yes. In North Carolina, you can usually get another repair estimate if the first insurance payment does not appear to cover the reasonable cost of…
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Who is responsible for a car accident claim when I was driving someone else's car? — Durham, NC
In North Carolina, the claim often starts with the insurance on the vehicle that was involved, especially if you had the owner's permission to drive…
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What should I do if the insurance adjuster's contact information is wrong or keeps changing? — Durham, NC
If an insurance adjuster’s contact information is wrong or keeps changing, keep all communication in writing when you can, confirm the correct claim…
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What should I do if the claim number I have does not match the driver or injured person involved in the crash? — Durham, NC
If the claim number does not match the people involved in the crash, do not assume the insurer has found the right file. In North Carolina, the…
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What should I do if I only have partial or possibly incorrect insurance policy information after a car accident? — Durham, NC
If you only have partial or possibly incorrect insurance information after a North Carolina car accident, do not guess or rely on one phone call.…
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What information does my attorney need from the other driver's insurance company to move my injury claim forward? — Durham, NC
In a North Carolina injury claim, your attorney usually needs the basic claim-handling information that shows whether the other driver's insurer has…
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What information do I need to open or confirm a car accident injury claim with the other driver's insurance company? — Durham, NC
To open or confirm a car accident injury claim with the other driver’s insurer, you usually need the crash date, location, the names of the drivers…
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What information do I need to open a bodily injury claim with the other driver's insurer? — Durham, NC
To open a bodily injury claim with the other driver's insurer in North Carolina, you usually need the basic crash details, the other driver’s…
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What happens if the other driver may have been impaired when they caused the crash? — Durham, NC
If the other driver may have been impaired, that can be important evidence of negligence in a North Carolina injury claim, but it does not…
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What happens if the other driver does not respond and no valid insurance coverage can be found? — Durham, NC
In North Carolina, if the other driver does not respond and no valid liability coverage can be confirmed, the claim often shifts toward your own…
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What happens if the other driver changed insurance after the car accident? — Durham, NC
In North Carolina, the key question is usually which insurance policy was in effect on the date of the crash, not what the other driver bought later.…
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What happens if my car was totaled and sold but I still owe money on the loan? — Durham, NC
In North Carolina, a total-loss payment usually addresses the vehicle’s fair market value, not the full amount left on your auto loan. If the sale or…
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What happens if I reject the insurance company's initial offer on my personal injury claim? — Durham, NC
In North Carolina, rejecting an insurance company’s initial offer usually does not end your personal injury claim. It typically means the claim stays…
