Firm news
Accident Q&A series
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What are my options if the insurer’s top offer won’t cover my treatment and lost wages?
In North Carolina, you don’t have to accept a settlement that won’t cover your medical treatment and lost wages. You can keep negotiating, pursue…
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How does the negotiation process work for a lump-sum personal injury settlement?: North Carolina Personal Injury Law
In North Carolina, settlement negotiations usually begin after you finish treatment or reach maximum medical improvement. Your attorney sends a…
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How does the diminished value claim process work in North Carolina after our accident?
In North Carolina, you can claim “diminished value” when your repaired vehicle is worth less than it was before the crash. You typically prove this…
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Can I challenge the adjuster's decision to reduce my ER charges in my injury claim?
Yes. In North Carolina, an insurer can negotiate medical expenses, but it cannot ignore what the law allows you to recover: the amounts actually paid…
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What is the process for appealing a denied PT claim that my health plan says was filed late?
In North Carolina, you typically start with an internal appeal to your health plan and then, if the plan is state-regulated, you may request an…
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What is involved in appealing an insurance denial of my injury claim after a minor accident?
In North Carolina, you typically start by asking the insurer to reconsider in writing and supplying better proof of fault and medical causation. If…
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What happens if the adjuster offers a full and final settlement and I need more treatment?
In North Carolina, a “full and final” settlement closes your injury claim for good. If you sign the release (or cash a check clearly tendered as full…
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How do I move my personal injury claim forward once I have the crash report in North Carolina?
Use the crash report to identify insurers, confirm fault facts, and open claims right away. Gather medical records and bills, document lost wages,…
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How can I claim loss of use damages for my car after a car accident in North Carolina?
In North Carolina, you can recover loss of use damages when someone else’s negligence makes your car unavailable. The usual measure is the reasonable…
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Where do I send a letter of representation and demand letter for my car accident claim?
In North Carolina, send your letter of representation to the at‑fault driver’s auto insurer (claims department or assigned adjuster) and a copy to…
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What steps do I need to send my attorney’s letter of representation and UM demand to an insurance company?
In North Carolina, send a clear letter of representation (LOR) to both the at‑fault driver’s insurer and your own insurer, then build and deliver a…
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What is a lien on my personal injury settlement and how could it affect my recovery?: North Carolina
A lien is a legal claim against your personal injury settlement that must be paid out of the settlement before you receive your portion. In North…
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What happens if the other driver has no auto insurance in my accident case?: North Carolina
In North Carolina, if the at-fault driver is uninsured, you can usually pursue compensation under your own policy’s uninsured motorist (UM) coverage…
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What happens after a claim is submitted to the insurance company?: North Carolina Personal Injury
After you report a claim in North Carolina, the insurer assigns an adjuster, investigates fault and damages, and then decides whether to pay,…
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What evidence do I need to support a diminished value claim North Carolina?
In North Carolina, you prove a diminished value claim with credible, market-based proof of your vehicle’s loss in fair market value after proper…
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What can I do to dispute a failed-to-yield finding against me in my car accident report?: North Carolina
In North Carolina, an officer’s crash report notation that you “failed to yield” is not a legal determination of fault and generally cannot be used…
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Is there a specific statute of limitations or rule I must follow to file a diminished value claim in North Carolina?
Yes. In North Carolina, most third-party diminished value claims (against the at-fault driver’s insurer) must be filed within three years from the…
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How long do we have to file an assault claim in North Carolina?: Statute of limitations and deadlines
In North Carolina, you generally have three years from the date of the assault to file a civil lawsuit for damages. If the injured person was a minor…
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How do I dispute or negotiate a Medicaid lien on my car accident settlement in North Carolina?: A practical guide for injured drivers
North Carolina Medicaid (DHHS) can claim reimbursement from your injury settlement for accident-related medical bills it paid. By statute, DHHS’s…
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How can I prove the my neighbor was negligent in maintaining the tree?
In North Carolina, you prove tree‑related negligence by showing your neighbor knew or should have known the tree was hazardous, failed to act…
