Firm news
Accident Q&A series
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What documents should I gather to prove I had continuous coverage when the accident happened?
If an insurer says your auto policy lapsed, you usually need documents that show (1) the policy’s effective dates and covered vehicles/drivers and (2) that…
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What documents do I need to prove I didn’t have health insurance when I got medical treatment after a car accident?
In North Carolina car-accident claims, there usually isn’t one “magic” document that proves you had no health insurance.
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What are the next steps in my slip-and-fall case now that I’m mostly done with treatment but may still have follow-up visits?
In a North Carolina slip-and-fall case, the next steps usually focus on (1) finishing and documenting your medical course, (2) gathering proof the store had…
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If my insurer denies coverage, what other options do I have to recover for vehicle damage or injuries?
In North Carolina, a coverage denial by one insurer does not automatically end your ability to recover for vehicle damage or injuries.
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How long does it usually take to get medical records and bills and start negotiating with the insurance adjuster?
In North Carolina, getting complete medical records and itemized bills often takes weeks, not days, and it can take longer when multiple providers are involved.
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How is an insurance company’s settlement value calculated using medical bills, lost wages, and pain and suffering?
In North Carolina, an insurance company typically starts with the provable financial losses (like medical expenses and lost wages) and then evaluates…
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How do we prove the store was responsible for the puddle that caused my fall?
In North Carolina, proving a store was responsible for a puddle usually means showing the store either created the hazard or knew (or should have known) it…
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How do pre-existing neck or disc problems affect a whiplash injury claim?
In North Carolina, a pre-existing neck or disc condition does not automatically prevent a whiplash claim.
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How do MedPay benefits affect repayment of medical bills when there is a personal injury claim?
In North Carolina, MedPay (medical payments coverage) is typically a first-party auto benefit that can pay medical bills early, regardless of fault, and that…
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How do lost wages get verified and factored into a personal injury settlement offer?
In North Carolina personal injury claims, lost wages are usually verified with objective proof—most often an employer wage verification plus pay records—and…
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How do I show that my medical bills are still owed and should be included in the settlement value?
In North Carolina, the cleanest way to show medical bills are still owed is to provide itemized billing statements and/or a current balance letter from each…
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How do I know whether my accident qualifies for a personal injury case?
In North Carolina, an accident may qualify for a personal injury case if someone else likely caused it (even partly), you suffered real harm (injuries and…
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How do I find the exact date of my car accident if I don’t remember it?
If you can’t remember the exact crash date, you can usually confirm it by pulling a record that time-stamps the event—most often the North Carolina crash…
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How do health insurance payments or write-downs affect what I can recover in my injury settlement?
In North Carolina, health insurance payments and “write-downs” can affect how medical expenses are valued in a claim, but they do not automatically cap what…
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How can I get the insurance company to increase their settlement offer after they’ve already made one?
You usually increase a settlement offer by giving the insurer better, clearer proof of (1) fault and (2) the full impact of your injuries—especially medical…
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How can I find out whether the injured person has MedPay or PIP coverage for the accident date?
In North Carolina, the most reliable way to confirm MedPay (medical payments) coverage for a specific accident date is to get the injured person’s auto…
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How can I challenge an insurer’s denial that says there was no coverage on the accident date?
In North Carolina, a “no coverage on the accident date” denial is often challenged by forcing the insurer to document exactly why it believes the policy…
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Does it help my case that a store employee saw me fall and helped fill out an incident report?
Yes, it can help. A store employee who witnessed the fall and helped complete an incident report may support key issues like when and where the fall happened,…
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Can the police department locate a crash report if I only know the month the accident happened?
Sometimes, yes—but it depends on how the department’s records system is set up and how much identifying information you can provide.
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Can my shoes or lack of traction be used against me in a slip-and-fall claim?
Yes. In a North Carolina slip-and-fall claim, the store (or its insurer) may argue your shoes, tread, or “lack of traction” contributed to the fall.
