Firm news
Accident Q&A series
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What information does the insurer still need to evaluate my underinsured motorist claim?
The insurer usually needs enough information to confirm coverage, evaluate fault, document the full extent of your losses, and account for the at-fault…
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What happens if the insurance company refuses to reverse its liability decision after a car accident?
The insurer’s refusal does not necessarily end your car accident claim. You may submit stronger evidence, request a written explanation, pursue a regulatory…
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What happens after an underinsured motorist settlement is accepted?
After an underinsured motorist settlement is accepted, the parties usually complete a release, the insurer issues payment, and the attorney deposits the funds…
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What evidence can show that post-accident anxiety affected my daily life?
Medical and counseling records, a consistent symptom journal, testimony from people who know you, employment records, and proof of changes in your routine can…
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What evidence can help an insurer reconsider fault when there is no independent eyewitness?
Objective evidence can persuade an insurer to reconsider fault even when no independent eyewitness saw the crash.
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What does the insurer's letter mean for my underinsured motorist claim?
The letter’s meaning depends on its exact wording, but it may be a request for information, a reservation of rights, a response to a proposed settlement, an…
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What can we do if a medical provider has not sent requested records to the attorney?
The attorney can confirm that the provider received a complete request, correct any authorization problem, follow up with the records department or copying…
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What can I do if an insurer received my medical records but did not route them for review?
Ask the insurer in writing to correct the routing error, assign the medical payments claim to the proper team, and confirm when review begins.
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Was the claimant referred for treatment by a medical provider?
Yes. Based on the available information, a primary care provider referred the claimant to physical therapy for neck and back injuries, and treatment remains…
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Should I accept an insurance company’s final offer after a low-impact parking lot accident?
Do not accept or reject the offer solely because the insurance company calls it “final.” Before signing a release, compare the offer with your documented…
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Is filing a lawsuit worthwhile if the insurance company refuses to increase its final settlement offer?
Possibly, but a lawsuit is worthwhile only when its likely benefits justify the added cost, risk, and work.
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How does negotiating a settlement for an underinsured motorist claim work?
Negotiating an underinsured motorist claim usually involves documenting fault, damages, available liability coverage, and the amount still unpaid before…
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How do missing health insurance adjustment records affect the value of my personal injury claim?
Missing health insurance adjustment records can make a personal injury claim harder to value because the insurer may be unable to confirm what was paid,…
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How can I obtain the other driver's information if the officer only gave me a crash-report number?
Use the crash-report number to request the completed DMV-349 crash report from the investigating law-enforcement agency or the North Carolina Division of…
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How can I identify the correct insurance carrier if the information in the police report may be wrong?
Do not assume the vehicle was uninsured simply because the carrier listed in the police report cannot find a policy.
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How can I challenge a denied car-accident claim when the other driver gave inconsistent statements?
You can challenge the denial by identifying the other driver’s conflicting statements, supporting your account with independent evidence, and requesting a…
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How can an insurance company confirm that an attorney represents someone injured in a car accident?
An insurance company can usually confirm representation through a written letter from the attorney identifying the injured person, the collision, and the…
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How are medical bills and records processed under medical payments coverage?
Medical payments coverage generally processes accident-related medical expenses by reviewing the applicable policy, itemized bills, and supporting records…
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Have all of the claimant's medical bills and records been collected?
No. Based on the current information, the claimant has completed treatment, but the final bills and records from the physical therapy provider are still being…
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Has the injured claimant completed medical treatment?
Yes. Based on the available information, the claimant has completed treatment. However, the settlement demand is not yet ready because the law firm is still…
