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Accident Q&A series

  1. Is it safe for me to talk to an insurance adjuster who calls asking what happened in my car accident?

    In North Carolina, it is usually not “safe” to give a detailed or recorded statement to an insurance adjuster without preparation, even if the caller…

  2. Is it a problem if I’m only treating with a chiropractor for my accident injuries?

    Not necessarily. In North Carolina, chiropractic care can be appropriate accident treatment, and chiropractic records and bills can support an injury…

  3. If my health coverage paid the emergency-room charges, can there still be additional bills sent later for the same visit?

    Yes. In North Carolina, an ER “visit” often generates separate bills from different entities (for example, the hospital/facility and the emergency…

  4. How long does it usually take for an insurance adjuster to respond after receiving a demand packet?

    In North Carolina, there is no single statute that forces an insurance adjuster to respond to a personal injury demand packet within a specific…

  5. How long does an insurance adjuster usually take to respond to a counteroffer?

    In North Carolina, there is no single statewide deadline that forces an insurance adjuster to respond to a settlement counteroffer within a specific…

  6. How long do I have to take legal action after a car accident?

    In North Carolina, most car-accident lawsuits for injuries or vehicle damage must be filed within three years . If the crash caused a death, a…

  7. How does switching from physical therapy to chiropractic care affect my injury claim?

    In North Carolina, switching from physical therapy to chiropractic care usually does not hurt an injury claim as long as the treatment is medically…

  8. How does ongoing treatment affect the value or timing of my personal injury case?

    In North Carolina, ongoing medical treatment usually means your case is still developing, so it can be harder to put a final value on it or settle it…

  9. How does my health insurance affect my injury claim and medical bills?

    In North Carolina, you can usually use your health insurance to get treatment paid while your injury claim is pending, but that does not…

  10. How do I negotiate a fair settlement for a car accident when the injuries are soft-tissue but the vehicle damage was severe?

    In North Carolina, you negotiate a fair soft-tissue settlement by proving (1) the crash caused the injury, (2) the treatment was reasonable and…

  11. How do I make sure the settlement agreement includes everything we agreed to in negotiations?

    In North Carolina, the safest way to make sure a settlement includes everything you negotiated is to reduce the deal to a clear written settlement…

  12. How do I know if I have a valid injury claim after a motor vehicle accident?

    In North Carolina, you usually have a valid injury claim after a motor vehicle accident if you can show the other driver was negligent (did something…

  13. How do I get the police report and use it to support my car accident claim?

    In North Carolina, the investigating officer’s crash report is generally a public record, and you can usually get a certified copy through the North…

  14. How do I find or confirm the correct claim number to put on my paperwork with the insurance company?

    In North Carolina, the most reliable way to confirm the correct insurance claim number is to get it directly from the adjuster or the insurer’s…

  15. How do I challenge the insurance adjuster’s calculation of my medical bills when my records show a higher total?

    In North Carolina, you challenge an adjuster’s medical-bill “total” by documenting (1) the correct amount of charges or amounts you are required to…

  16. How can I prove the other driver was at fault in my car accident?

    In North Carolina, you prove the other driver was at fault by showing (1) they broke a safety rule or drove unreasonably, (2) that conduct caused the…

  17. How can I prove my injuries are related to the crash if I didn’t go to the hospital until the next day?

    In North Carolina, a one-day delay in going to the hospital does not automatically prevent you from proving your injuries came from the crash. The…

  18. How can I file an injury claim if I was a passenger in a rideshare car that got rear-ended?

    In North Carolina, a rideshare passenger hurt in a rear-end crash can usually pursue an injury claim against the at-fault driver’s auto insurer, and…

  19. Do you have the case summary document I emailed, and will the attorney review it before our call?

    Usually, yes—we can confirm whether your emailed attachment was received, and an attorney can often review a brief case summary before a scheduled…

  20. Do I have a car accident case if the other driver caused the crash?

    Possibly. In North Carolina, you generally have a car accident case if you can prove the other driver was negligent and that negligence caused your…

A path forward

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