Firm news
Accident Q&A series
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What happens to my rates if someone files a claim against my policy even when I’m not at fault?
In North Carolina, a claim against your auto policy does not automatically raise your rates. Under the state’s Safe Driver Incentive Plan, insurers…
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What evidence should I send my insurer to prove I wasn’t at fault, and will a police report be enough?: Practical guidance for North Carolina drivers
In North Carolina, a police crash report helps, but it is usually not enough by itself to settle fault. Insurers make their own liability decision…
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If the adjuster says they have limited authority and won’t move higher, should I file a lawsuit to try to improve the offer?
In North Carolina, filing a lawsuit can move your claim into court, trigger assignment to defense counsel, and often lead to court-ordered…
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How long does my insurer have to accept or deny a claim and notify me of their decision?: Clear timelines and what to expect in North Carolina
North Carolina law does not set a single, hard deadline for every auto claim. Your insurer must investigate promptly and, within a reasonable time…
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How do I challenge medical charges the health plan says are related to the accident if some care was unrelated?
In North Carolina, you can dispute a health plan’s claim that all treatment is “accident-related” by filing a timely internal appeal and, for insured…
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How can I stop a claim against my insurance if the police report shows the other driver caused the crash?
You usually cannot stop someone from filing a claim, but you can help your insurer deny and close it. In North Carolina, a police report is helpful…
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How can I confirm whether a military health plan has a lien on my personal injury case?: North Carolina guidance
Military health plans like TRICARE can assert a federal reimbursement claim when they pay for injury-related treatment. To confirm a lien, identify…
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Do I have to give a recorded statement to the other driver’s insurer or my own when I’m represented?
In North Carolina, you do not have to give a recorded statement to the other driver’s insurance company when you are represented—refer them to your…
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Can my attorney get the lien amount and an itemized list of accident-related payments from the health plan, and how long does that usually take?: North Carolina timeline and process
Yes. In North Carolina, your attorney can request the current lien amount and an itemized list of accident-related payments from your health plan or…
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Are my mileage and transportation costs to medical appointments reimbursable as part of my injury claim?
Yes. In North Carolina, you can claim reasonable and necessary transportation costs to get medical care for your injury, including mileage, parking,…
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Are independent vehicle appraisers legitimate, and can they testify in court as opinion witnesses to support my claim?
Yes. In North Carolina, independent vehicle appraisers are a legitimate way to prove repair-related loss and diminished value. A qualified valuation…
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Will using MedPay reduce my eventual settlement or create a lien I have to repay?
In North Carolina, using Medical Payments coverage (MedPay) does not reduce your injury settlement and usually does not create a lien you must repay.…
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Will my pain, driving limitations, and activity restrictions be factored into the settlement?: North Carolina personal injury
Yes. In North Carolina, settlement value includes both economic losses (like medical bills and lost income) and non‑economic harms such as pain,…
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What steps should I take when an insurer asks for my medical and employment details?: North Carolina Personal Injury
In North Carolina, you do not have to give the at-fault insurer a blanket, open-ended release for all your records. Share only accident-related…
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What medical steps should I take for ongoing neck and chest pain to document my case?
In North Carolina, the strongest proof of injury is timely, consistent medical care that connects your symptoms to the crash. See a doctor promptly,…
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What medical records or proof do I need to document a concussion and head injury from a store accident?: North Carolina Personal Injury
In North Carolina, document a concussion with prompt medical evaluation, clear diagnosis, and consistent follow-up records. Useful proof includes…
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What kind of personal injury lawyer should I look for, and what documents or evidence will they need if police came to the scene?: North Carolina
In North Carolina, look for a personal injury attorney who routinely handles motor vehicle and trucking collisions, knows how to work with Medicaid…
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What is the deadline to file an insurance or lawsuit claim for this type of accident?: North Carolina time limits for debris-related car accidents
In North Carolina, you generally have three years from the date of the accident to file a lawsuit for personal injury or vehicle damage. Insurance…
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What happens if the hospital refuses or delays sending the itemized bill I need for my claim?: North Carolina guide
In North Carolina, you have the right to request an itemized hospital bill and the medical records tied to your injury claim. If the hospital refuses…
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What happens if the at-fault driver’s insurance won’t respond or won’t accept liability?: North Carolina options if the other insurer goes silent or denies fault
In North Carolina, if the other driver’s insurer will not respond or accept fault, you are not stuck—you can press your claim and, if needed, sue the…
