Firm news
Accident Q&A series
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What evidence can I use to support my account when there is no official police report?
You can support your account with photographs, video, witness statements, vehicle damage records, electronic data, insurance communications, and a detailed…
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What does it mean when an insurance company offers its full policy limit?
It usually means the insurance company is offering the maximum amount available under a particular liability coverage for the claim.
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What does a public health benefits lien letter mean after a personal injury settlement?
A public health benefits lien letter usually means that a government health program believes it paid medical expenses connected to your injury and may have a…
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What can I do when an insurer has not responded to a personal injury demand?
Confirm that the insurer received a complete demand, follow up in writing, and ask the assigned adjuster, backup adjuster, or supervisor for a response by a…
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What can I do if an insurer cannot locate the other driver's policy?
An insurer’s inability to locate a policy does not necessarily mean the other driver was uninsured.
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Should I continue chiropractic treatment or switch to physical therapy after an accident?
The decision should be based on your condition and a licensed medical provider’s recommendation, not on what you think an insurer wants to see.
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Is an information exchange form enough to support an insurance claim after a car accident?
An information exchange form is usually enough to help you open an insurance claim, but it is rarely enough by itself to prove fault or the amount of the loss.
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How is fault determined when another vehicle goes around a stopped car and hits me while I am turning?
Fault depends on how each vehicle moved, whether the turn was signaled and reasonably safe, and whether the passing driver used a lawful lane and kept a…
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How can I open an injury claim if I do not have the other driver's insurance policy number?
You can often open an injury claim without the other driver's policy number by giving the insurer enough information to locate coverage, such as the driver's…
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How can I identify the correct insurer after a crash when the driver and vehicle owner are different people?
Start with the insurance connected to the vehicle, but do not assume it is the only possible coverage.
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How can I handle injury claims for my children after they were in the same accident?
Handle each child’s injury claim separately, even though everyone was hurt in the same accident.
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How can I find a lawyer who handles malpractice lawsuits?
Start by identifying whether the possible claim involves medical care, legal services, or another licensed profession, and then look for a North Carolina…
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How can I file an auto accident claim if the insurance company cannot find the other driver's policy?
You can still open and investigate the auto accident claim even if an insurer cannot find the other driver’s policy.
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How can I file a car accident claim if I do not have the other driver's insurance policy number?
You can usually start a car accident claim without the other driver’s policy number by giving the insurer enough information to identify the driver, vehicle,…
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How can I authorize access to emergency response reports after my spouse died in an accident?
For confidential EMS medical records, you can usually authorize access by signing a properly completed medical-records release in the legal capacity…
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Does learning about unpaid accident-related medical bills later affect the deadline for bringing an injury claim?
Usually, no. Under North Carolina law, later discovering that accident-related medical bills remain unpaid generally does not restart or extend the deadline…
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Do I need to respond when I receive a letter about a settlement lien?
Yes, you should review and address a settlement-lien letter rather than ignore it.
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Do I need a medical referral before starting physical therapy for accident injuries?
Usually, North Carolina law does not require you to obtain a medical referral before a licensed physical therapist evaluates and treats an accident-related…
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Can valid hospital or health insurance liens be reduced before my settlement is distributed?
Yes. A valid hospital lien or health plan reimbursement claim may sometimes be reduced through a North Carolina statutory limit, a proportional distribution,…
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Can the at-fault party's insurer be required to reimburse health coverage that paid for my accident treatment?
Yes, in some cases the at-fault party’s insurer may have to account for payments made by Medicare, Medicaid, the North Carolina State Health Plan, or another…
