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Accident Q&A series

  1. What happens if I don’t know the full extent of the vehicle damage but I’m making an injury claim?

    In North Carolina, you can still start (and pursue) an injury claim even if you do not yet know the full extent of the vehicle damage.

  2. What can I do if the other driver’s insurance company denies my claim and says I was partially at fault?

    In North Carolina, an insurance denial based on “partial fault” often means the insurer is raising contributory negligence—an argument that can completely bar…

  3. What can I do if my insurance company won’t return calls or seems to be delaying my car accident claim?

    In North Carolina, you can push a delayed car accident claim forward by creating a clear paper trail, making a written demand for a status update and a…

  4. How does contributory negligence affect my ability to recover for a car accident if the insurer says I didn’t yield?

    In North Carolina, contributory negligence can completely bar your recovery if the other side proves you were even slightly negligent and that negligence…

  5. How does a car accident lawyer’s fee percentage usually work in a hit-and-run injury case?

    In North Carolina, car accident lawyers commonly handle hit-and-run injury cases on a contingency fee, meaning the lawyer’s fee is a percentage of the money…

  6. How do my ambulance and hospital records get submitted to the insurance adjuster for an injury claim?

    In North Carolina, your ambulance and hospital records usually do not go straight to the insurance adjuster automatically.

  7. How do I prove the other driver was at fault when they slid into our car at an intersection?

    In North Carolina, you usually prove the other driver was at fault by showing they failed to use reasonable care and that their driving caused the crash and…

  8. How do I open a new insurance claim for a car accident if no claim has been started yet?

    In North Carolina, you usually open a new car-accident insurance claim by giving the insurer prompt notice (by phone, online portal, or in writing) and…

  9. How do I know whether accepting a settlement offer now could hurt my ability to recover more later if I need more treatment or surgery?

    In North Carolina, accepting a settlement usually means signing a written release that ends your injury claim for that crash—including future medical care you…

  10. How can I prove my injuries if the ER only did limited testing and I didn’t do follow-up treatment?

    In North Carolina, you can still prove injuries after a crash even if the ER did limited testing and you did not follow up, but it is usually harder.

  11. Can my own auto insurance or uninsured motorist coverage apply if the driver who hit me can’t be identified?

    Yes—under North Carolina law, your own uninsured motorist (UM) coverage can apply to a hit-and-run or other situation where the at-fault driver cannot be…

  12. Can I use my own auto insurance to help pay medical bills while the liability dispute is ongoing?

    Yes. In North Carolina, many people can use their own auto policy benefits (most commonly Medical Payments coverage, often called “MedPay”) to pay…

  13. Can I still recover for pain and worsening symptoms if the insurer says I had pre-existing conditions before the crash?

    Yes. Under North Carolina law, a negligent driver (and, in many cases, your own uninsured/underinsured motorist carrier) can still be responsible for the pain…

  14. Can I still pursue a claim if the police report blames me but I disagree with what happened?

    Yes. In North Carolina, a police report is important, but it does not automatically decide who is legally at fault in a personal injury claim.

  15. Can I recover lost wages if I missed a couple days of work after a pedestrian accident?

    Yes—under North Carolina law, lost wages can be part of a pedestrian-accident injury claim if you can show the crash caused you to miss work and you can…

  16. Can I make an underinsured motorist claim through my own auto policy after a crash?

    Yes—under North Carolina law, you can pursue an underinsured motorist (UIM) claim through your own auto policy if the at-fault driver’s liability coverage is…

  17. Can future medical expenses be included in a personal injury settlement if my condition is getting worse?

    Yes. In North Carolina, a personal injury settlement can include money for future medical care if the future treatment is reasonably expected and tied to the…

  18. What types of medical treatment and records should I get after an ER visit to support my injury claim?

    After an ER visit in North Carolina, the most helpful next steps are (1) getting appropriate follow-up care and (2) collecting complete medical records that…

  19. What types of compensation can I recover for a car accident injury like neck and back pain?

    In North Carolina, compensation after a car accident generally falls into three buckets: (1) economic damages (your financial losses like medical bills and…

  20. What types of compensation can I recover after a hit-and-run accident?

    In North Carolina, a person hurt in a hit-and-run can usually pursue compensation for both economic losses (like medical bills, lost income, and property…

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