Firm news
Accident Q&A series
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How can I negotiate to match another claimant’s settlement for the same accident?: Practical steps under North Carolina law
North Carolina law does not guarantee that your settlement will match another person’s from the same accident. However, you can push for parity by…
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Do I need separate release forms for the liability portion and the medical payments portion of my claim?: North Carolina
Yes. In North Carolina, the liability claim against the at‑fault driver and the medical payments ("Med Pay") claim under your own auto policy are…
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Can my age or pre-existing conditions lead to a lower personal injury offer?: North Carolina
Not automatically. In North Carolina, you can recover for the aggravation of a pre-existing condition, and your age does not bar recovery. Insurers…
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Can I submit an EMS records request through an online portal instead of calling?
Yes. In North Carolina, an EMS provider may direct you to submit records and billing requests through its online portal, as long as you include a…
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What steps are involved in negotiating a premises liability settlement with an insurance company?: North Carolina
In North Carolina, you negotiate a premises liability settlement by proving negligence, documenting your damages, and engaging the property owner’s…
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What should I do if I haven’t received the settlement offer they said was coming?
In North Carolina, do not wait indefinitely for a promised offer. Confirm in writing with the adjuster, set a short response deadline, and protect…
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What happens if the insurer’s final offer is below the minimum I want?
In North Carolina, you do not have to accept an insurer’s “final” offer. Settlement is voluntary until you sign a release. If the offer nets you less…
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What happens if the insurer’s final offer doesn’t cover all my special damages after a crash?
In North Carolina, you don’t have to accept a final offer that won’t cover your reasonable medical bills and other special damages. You can: (1) keep…
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What expenses are covered by medical payments coverage versus my main settlement?: North Carolina Personal Injury
In North Carolina, medical payments coverage (often called “Med Pay”) pays your reasonable and necessary accident-related medical bills up to your…
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What evidence do I need to prove an unmarked hazard caused my accident in the airport?: North Carolina
In North Carolina, you must prove the airport (or its operator) was negligent: a dangerous condition existed, the airport knew or should have known…
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What can I do if my health plan placed a lien on my emergency medical bills?: North Carolina options to reduce or resolve repayment
In North Carolina, you can challenge, reduce, or limit what gets repaid from your injury settlement by applying the medical lien rules and…
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What are the risks of waiting until the statute of limitations to file a personal injury lawsuit?: North Carolina
In North Carolina, most personal injury claims must be filed within three years of the injury. Waiting until the last minute is risky because your…
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How long will the insurer have to review new medical records in my claim?: North Carolina
North Carolina law does not set a fixed number of days for an auto or liability insurer to review new medical records. Insurers must investigate and…
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How long can an insurer take to respond after I submit a demand letter for injuries?: Answered for North Carolina
North Carolina law does not set a hard deadline for an insurer to respond to your personal injury demand letter. Insurers must act reasonably…
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How is my net settlement amount calculated after medical liens?: Practical steps to estimate your take-home under North Carolina law
In North Carolina, your net settlement is the total settlement minus your attorney’s fee and case expenses, then minus valid medical liens and…
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How do I verify that the insurance company’s calculation of my medical expenses is accurate?: North Carolina
In North Carolina, past medical expenses are measured by what was actually paid (or is still owed) to satisfy the bills, not the original sticker…
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How do I figure out what my actual take-home amount will be after medical coverage is factored in?: North Carolina personal injury settlements
In North Carolina, you start with the gross settlement, subtract your attorney’s fee and case costs, then resolve medical liens and reimbursements.…
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How do I decide whether to accept a low settlement now or hold out for a better offer?: North Carolina personal injury answer
In North Carolina, compare your likely net recovery (after attorney’s fees and medical liens) to your risk-adjusted trial value and the time it will…
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How do I confirm the amount of the settlement offer if it hasn’t arrived yet?: North Carolina Personal Injury
Ask the adjuster for written confirmation of the offer amount and terms using your claim number. In North Carolina, insurers must respond to…
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How do I calculate compensation for pain and suffering and future treatment after a fall?: North Carolina
In North Carolina, pain and suffering has no set formula. It is based on the severity and duration of your injuries, how they limit daily life, and…
