Firm news
Accident Q&A series
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How do I request an updated or final subrogation lien from a health plan administrator?: North Carolina personal injury guidance
In North Carolina, ask the health plan’s recovery administrator in writing for an updated or final, itemized subrogation lien. Include your client’s…
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How do I include mileage and related expenses in my personal injury settlement?: North Carolina
In North Carolina, you can claim reasonable out-of-pocket expenses caused by the injury, including transportation to and from necessary medical…
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How do I find out if my policy has medical benefits?
In North Carolina, the fastest way to confirm medical benefits on an auto policy is to get the Declarations Page and the full policy with…
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How can I get my medical bills covered if my insurer says I have no medical payments coverage?
In North Carolina, medical payments (“Med Pay”) is optional. If your auto policy has no Med Pay, you can still pursue coverage through the at-fault…
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How can I find out why a physical therapy bill wasn’t fully reimbursed in my injury claim?: North Carolina guidance
Start by getting the itemized bill and the insurer’s explanation of benefits (EOB) for that exact date of service. Under North Carolina law,…
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How can I find out what my accidental protection plan covers after a car crash?: North Carolina personal injury guide
In North Carolina, you find out what your accidental protection plan covers by getting the complete policy and benefit summaries from the insurer,…
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How can I challenge an insurer’s decision to total my car and offset what I owe on it?: Answered for North Carolina
In North Carolina, you can dispute a total-loss valuation by demanding the insurer’s valuation report and comparable vehicles, submitting better…
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How can I calculate a fair settlement when insurance has already reduced my medical bills?: North Carolina personal injury guidance
In North Carolina, start with your recoverable economic losses (the amounts actually paid or still owed for medical care, lost wages, and future…
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Can I submit medical bills from my accident to an accidental protection plan?: North Carolina
Yes. In North Carolina, you can submit accident-related medical bills to an accidental protection plan if the plan covers the person and the…
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Can I recover unpaid therapy charges from the insurance company in a personal injury case?
In North Carolina, you can recover the reasonable cost of necessary therapy from the at-fault party as part of your injury claim, and their insurer…
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Can I recover the difference between my car’s actual cash value and the remaining loan balance?: North Carolina
Under North Carolina law, property damage for a totaled car is generally limited to the vehicle’s fair market value (actual cash value) immediately…
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Can I proceed with settlement if a health plan lien isn’t assigned to a specific representative?
Yes, you can typically finalize the settlement, but you should not disburse funds to the client until you have protected and resolved all known lien…
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Can I appeal or dispute an insurer’s determination that I lack medical pay coverage?: A North Carolina guide
Yes. In North Carolina, medical payments (MedPay) coverage is optional, so if your declarations page shows no MedPay premium, the insurer may be…
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What strategies can I use to maximize my compensation in a personal injury claim?: North Carolina
In North Carolina, you maximize a personal injury recovery by proving fault clearly, documenting all damages, and resolving medical liens correctly.…
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What steps should I take to file a personal injury claim after slipping during a tow operation?: North Carolina
In North Carolina, a personal injury case starts by filing a civil complaint and issuing a civil summons, then serving each defendant under Rule 4.…
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What steps do I need to reopen my insurance claim after an accident once a witness statement is ready?: North Carolina
Send the insurer a properly signed and notarized witness affidavit, confirm receipt, and ask the adjuster to formally reopen the claim. In North…
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What should I know before accepting a personal injury settlement offer?: North Carolina
In North Carolina, do not accept a settlement until you confirm all damages, account for liens (medical, health plans, Medicare/Medicaid), and…
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What should I include in the settlement release to cover both the structured annuity and cash payment?: Answered for North Carolina personal injury settlements
In North Carolina, your settlement release should clearly state the cash amount, the structured annuity terms, and who exactly is being released (the…
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What other documents or bills should I provide to ensure I get fully compensated for my damages?
In North Carolina, you maximize recovery by proving every category of loss with clear paperwork. Send itemized medical bills and records, health…
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What kind of letter or paperwork does my insurer need to provide to dismiss a citation?
In North Carolina, only the prosecutor (Assistant District Attorney) can dismiss a traffic citation. There is no single “magic” insurance letter that…
