Firm news
Accident Q&A series
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What should I do if I haven’t received the insurer’s coverage packet?: North Carolina guidance for personal injury claims
In North Carolina, send a written letter of representation and a formal request for the complete policy and declarations page to the insurer right away.
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What is the process for requesting a payoff from a medical billing service?
In North Carolina, send a written payoff request to the provider’s patient accounts or lien department with your client’s identifiers and a signed HIPAA…
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What is the difference between auto protection coverage and accidental protection coverage?: North Carolina
In North Carolina, vehicle-based auto coverage protects losses tied to a covered car (liability, uninsured/underinsured motorist, property damage, and…
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What information do I need to verify or start a health plan subrogation claim?
In North Carolina, you verify or start a health plan subrogation claim by giving the plan (or its recovery vendor) enough details to confirm the member, the…
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What happens if I sign a release before all my medical expenses are settled?: North Carolina Personal Injury
In North Carolina, a signed release in a personal injury case usually ends your right to seek more money from the at-fault party—even if new medical bills…
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What evidence should I gather to support my property damage claim against the insurer?
In North Carolina, you strengthen a property damage claim by proving your car’s pre-loss value, the extent of damage, and how the insurer’s valuation missed…
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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.
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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 appointments.
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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 endorsements from…
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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 driver’s…
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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.
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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, then…
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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 evidence of…
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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 care), then…
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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 accident, and you…
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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 typically…
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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 before the…
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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 or…
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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 correct.
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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.
