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Accident Q&A series

  1. What happens if the insurance company won’t approve or reimburse treatment until I provide more documentation?

    In North Carolina, it’s common for an insurance company to ask for more documentation before it will pay medical bills—especially when you are making a claim…

  2. What happens if the at-fault driver’s insurance company denies the claim or offers too little?

    In North Carolina, a denial or low offer does not end your case. You can respond with stronger documentation and negotiation, pursue other available coverage…

  3. What does it mean that a chiropractor treated me on a lien basis, and do they have to be paid from my settlement?

    In North Carolina, “treated on a lien basis” usually means the chiropractor agreed to delay collection while your injury claim is pending, expecting to be…

  4. What can I recover for a car accident if I was knocked unconscious and needed emergency transport and a hospital stay?

    In North Carolina, a person injured in a car accident can usually seek compensatory damages for medical care (including EMS and a hospital stay),…

  5. If my health insurance is not claiming a lien, will that increase what I take home from the settlement?

    Often, yes—if your health insurer confirms it is not asserting a lien (or reimbursement/subrogation claim) for accident-related bills it paid, that can…

  6. How long do I have to start a wrongful death case after a fatal car accident?

    In North Carolina, a wrongful death lawsuit generally must be filed within two years of the date of death.

  7. How does not having clear health insurance coverage affect getting treatment and making a car accident claim?

    In North Carolina, unclear or missing health insurance can make it harder to start medical treatment quickly, but it does not prevent you from making a car…

  8. How does health insurance affect payment and reimbursement for medical treatment after a car accident?

    In North Carolina, your health insurance can often pay your accident-related medical bills up front, but it may later seek reimbursement from any settlement…

  9. How does having Medicaid affect a pedestrian injury claim and repayment of medical bills?

    In North Carolina, having Medicaid usually helps you get treatment while your pedestrian injury claim is pending, but it can also create a Medicaid repayment…

  10. How does going to urgent care the next day (instead of by ambulance) affect an injury claim?

    In North Carolina, going to urgent care the next day instead of taking an ambulance usually does not bar an injury claim by itself.

  11. How do I use the police report to prove the other driver was at fault in a parking-lot accident?

    In North Carolina, a police crash report can be a strong starting point for showing fault in a parking-lot wreck, especially if it documents the other…

  12. How do I tell the insurance company I have an injury claim if they’re only talking about paying for my car?

    In North Carolina, you can (and usually should) clearly tell the adjuster in writing that you are making a separate bodily injury claim, even if the current…

  13. How do I prove the apartment complex was responsible for a wet floor in a common area when there wasn’t a warning sign?

    In North Carolina, you usually prove an apartment complex was responsible for a wet-floor slip-and-fall by showing (1) the complex (or its staff/contractor)…

  14. How do I get the other driver’s insurance to pay for my medical treatment after a parking-lot crash?

    In North Carolina, the other driver’s insurance usually does not pay your medical providers as you treat.

  15. How do I get a copy of the police report if I lost the one I was given after the crash?

    In North Carolina, you can usually replace a lost crash police report by requesting a copy from the North Carolina Division of Motor Vehicles (DMV) or, in…

  16. How do I document my surgery, restrictions, and therapy plans so it supports my injury claim?

    In North Carolina, the strongest way to document surgery, work restrictions, and therapy for an injury claim is to build a clean paper trail from your…

  17. How can I prove the property was unsafe at the time I fell?

    In North Carolina, you usually prove a property was unsafe by showing (1) a specific dangerous condition existed where you fell, (2) the property owner or…

  18. How can I prove the driver was at fault when I was hit as a pedestrian?

    In North Carolina, you prove a driver was at fault by showing they failed to use reasonable care and that their driving caused your injuries.

  19. How can I file a wrongful death claim after my child was hit by a car and killed?

    In North Carolina, a wrongful death claim is filed by the child’s personal representative (the executor or administrator of the child’s estate), not…

  20. How can I file a claim for a hit-and-run car accident if the other driver left the scene?

    In North Carolina, you can still pursue a claim after a hit-and-run by (1) reporting the crash to law enforcement promptly and (2) opening a claim with your…

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