Firm news
Accident Q&A series
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What factors affect the value of a whiplash and shoulder injury claim in a personal injury case?
In North Carolina, claim value turns on liability, medical proof, and available insurance.
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What can I do if the at-fault driver’s insurance company delays or denies my property damage claim?: Clear next steps under North Carolina law
In North Carolina, you don’t have to accept a slow or unfair third‑party property damage decision.
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Should vehicle damage be included when evaluating a bodily injury settlement?
In North Carolina, vehicle damage is a separate claim from bodily injury. When you evaluate a bodily injury settlement, focus on injury-related losses…
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How do I calculate my vehicle’s fair market value for a total loss insurance claim?
In North Carolina, fair market value (also called actual cash value) is the price a similar vehicle would sell for locally just before the crash, adjusted for…
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Do I need a police report to pursue a property damage claim after a crash?: North Carolina
No. In North Carolina, you can pursue a property damage claim without a police report.
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Can I file a small claims lawsuit to recover repair costs or diminished value on my car?: North Carolina
Yes. In North Carolina, you can file in small claims (magistrate) court if your total property damage is at or under $10,000 and you sue the at-fault driver…
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What steps can I take to increase my settlement for soft tissue injuries treated in the ER?
In North Carolina, you increase a soft tissue injury settlement by proving liability, clearly linking your injuries to the incident, and presenting medical…
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What information do I need to provide to get my CT scans and x-rays for the injury claim?: Clear steps for North Carolina patients
In North Carolina, you can request your ER radiology records by sending a written request or HIPAA-compliant authorization to the hospital’s Health…
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What happens to my insurance claim if I become Medicare eligible mid-process?: North Carolina personal injury
If you become Medicare-eligible while your North Carolina injury claim is pending, Medicare may pay some accident-related bills as a “secondary payer” and…
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What happens if neither insurance company accepts responsibility for my claim?: North Carolina
In North Carolina, if the at-fault driver is uninsured and neither insurer accepts responsibility, you can pursue your own uninsured motorist (UM) coverage.
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How long should I expect my uninsured motorist claim to take when insurers are disputing coverage?
There is no fixed timeline in North Carolina. Straightforward uninsured motorist (UM) claims can resolve in months, but a coverage dispute between insurers…
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How do I respond when a claim is reassigned to a new adjuster in the middle of negotiations?: North Carolina Personal Injury
In North Carolina, treat a reassignment as a chance to re-anchor your demand and confirm the record.
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How do I respond if the insurance company low-balls my personal injury claim?
In North Carolina, answer a low offer with a documented counter-demand that proves liability, connects your injuries to the crash, and substantiates each…
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How do I determine how much I can recover under my uninsured motorist policy?: North Carolina
In North Carolina, your uninsured motorist (UM) recovery is capped at your UM policy limits and cannot exceed your proven damages.
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How can I negotiate a settlement with the at-fault driver’s insurance after a hit-and-run collision?
In North Carolina, you can negotiate directly with the at-fault driver’s liability insurer by presenting a clear, documented demand that proves liability,…
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How can I make sure my medical bills get paid if I didn’t sign an assignment of benefits at the hospital?
In North Carolina, your medical bills can still be paid even if you did not sign an assignment of benefits.
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Can I still recover compensation if the at-fault driver had no insurance at the time of the accident?: Answered for North Carolina
Yes. In North Carolina, if the at-fault driver is uninsured, you can pursue your own uninsured motorist (UM) coverage for bodily injury and, in many cases,…
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Can I recover medical expenses for my children who were in the crash with me?: North Carolina
Yes. In North Carolina, a parent can recover the reasonable and necessary medical expenses of an unemancipated minor injured in a crash.
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Can I recover lost wages and out-of-pocket medical costs once liability is accepted?: Answered for North Carolina
Yes. In North Carolina, once the insurer for the at-fault driver accepts liability, you can seek economic damages such as lost wages and reasonable, necessary…
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Can I challenge an insurer’s breakdown of my medical bills if it underestimates my treatment costs?: Here’s how to push back under North Carolina law
Yes. In North Carolina, you can and should challenge a low medical-expense valuation by providing proof that your treatment was related to the incident,…
