Firm news
Accident Q&A series
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What injuries and medical concerns has the claimant reported? — Durham, NC
The claimant has reported rib, shoulder, neck, and lower-back injuries after a vehicle accident and is still receiving treatment. The available facts…
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What information can help identify the correct insurance coverage after a car accident? — Durham, NC
The most useful information includes the vehicle identification number, license plate, registered owner’s full name, driver’s identifying…
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What information can an insurer use to find coverage when the driver and vehicle owner are different people? — Durham, NC
An insurer may search for coverage using information about both the driver and the vehicle owner, including their full names, addresses, driver’s…
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What happens when I sign a release accepting a policy-limits settlement? — Durham, NC
Signing a settlement release usually ends your injury claim against the people, companies, and insurers named in the document, even if another…
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What happens to accident-related health insurance claims when I sign a settlement release? — Durham, NC
Signing a settlement release usually ends your right to seek additional accident compensation from the parties named in the release, but it does not…
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What happens if the vehicle involved in the crash may have been a rental? — Durham, NC
A possible rental vehicle adds an insurance investigation, but it does not prevent you from pursuing a North Carolina injury claim. The driver,…
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What happens if my spouse needs another surgery before resolving the injury claim? — Durham, NC
A possible second surgery can significantly affect when and how an injury claim should be resolved. Before signing a release, your spouse should…
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What evidence can I use to support my account when there is no official police report? — Durham, NC
You can support your account with photographs, video, witness statements, vehicle damage records, electronic data, insurance communications, and a…
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What does it mean when an insurance company offers its full policy limit? — Durham, NC
It usually means the insurance company is offering the maximum amount available under a particular liability coverage for the claim. It does not…
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What does a public health benefits lien letter mean after a personal injury settlement? — Durham, NC
A public health benefits lien letter usually means that a government health program believes it paid medical expenses connected to your injury and…
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What can I do when an insurer has not responded to a personal injury demand? — Durham, NC
Confirm that the insurer received a complete demand, follow up in writing, and ask the assigned adjuster, backup adjuster, or supervisor for a…
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What can I do if an insurer cannot locate the other driver's policy? — Durham, NC
An insurer’s inability to locate a policy does not necessarily mean the other driver was uninsured. The next steps are to verify the driver and…
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Should I continue chiropractic treatment or switch to physical therapy after an accident? — Durham, NC
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? — Durham, NC
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…
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How is fault determined when another vehicle goes around a stopped car and hits me while I am turning? — Durham, NC
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…
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How can I open an injury claim if I do not have the other driver's insurance policy number? — Durham, NC
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…
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How can I identify the correct insurer after a crash when the driver and vehicle owner are different people? — Durham, NC
Start with the insurance connected to the vehicle, but do not assume it is the only possible coverage. When the driver and owner are different…
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How can I handle injury claims for my children after they were in the same accident? — Durham, NC
Handle each child’s injury claim separately, even though everyone was hurt in the same accident. Each child should have an individual record of…
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How can I find a lawyer who handles malpractice lawsuits? — Durham, NC
Start by identifying whether the possible claim involves medical care, legal services, or another licensed profession, and then look for a North…
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How can I file an auto accident claim if the insurance company cannot find the other driver's policy? — Durham, NC
You can still open and investigate the auto accident claim even if an insurer cannot find the other driver’s policy. Confirm the driver, registered…
