Firm news
Accident Q&A series
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What medical records are needed before sending a demand to the insurance company after a car accident? — Durham, NC
Before sending a car accident demand, the claim file should usually contain complete records and itemized bills from every provider who evaluated or…
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What information does a health plan need to resolve a lien after settlement? — Durham, NC
A health plan usually needs the member’s identifying information, authorization to communicate with the attorney, accident details, settlement date…
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What has to be confirmed before personal injury settlement funds can be released? — Durham, NC
Before personal injury settlement funds can be released, the law firm generally must confirm that the settlement payment has been received, the…
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What happens when an insurance adjuster sends a settlement counteroffer to a supervisor? — Durham, NC
When an insurance adjuster sends a settlement counteroffer to a supervisor, it usually means the adjuster needs additional authority before accepting…
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What happens to a diminished value claim if the insurance company declares the car a total loss? — Durham, NC
A separate diminished value claim usually does not continue when an insurer treats the vehicle as a total loss. Diminished value measures the loss in…
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What happens if there are multiple health insurance liens on my injury settlement? — Durham, NC
Multiple health insurance liens must be identified, verified, and handled before the affected settlement funds are fully distributed. They are not…
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What happens if I reject the insurance company's final settlement offer? — Durham, NC
If you reject the insurance company’s final settlement offer, there is usually no settlement, no release, and no payment based on that offer. You may…
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What happens if a public benefits program claims repayment from my injury settlement? — Durham, NC
Part of your injury settlement may need to be held back and paid to the public benefits program before you receive the remaining funds. The amount…
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What happens after the property owner’s insurance company receives notice of my injury claim? — Durham, NC
The insurance company usually opens a claim, assigns an adjuster, checks whether the policy may cover the incident, and investigates fault and…
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What happens after a demand letter is sent to the insurance adjuster in a personal injury claim? — Durham, NC
After receiving a personal injury demand letter, the insurance adjuster usually reviews the evidence, evaluates fault and damages, and then accepts…
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What happens after a demand is sent to the insurance company in a car accident injury case? — Durham, NC
After a settlement demand is sent, the insurance adjuster usually reviews the evidence, evaluates fault and damages, and responds with an offer, a…
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What evidence helps prove that stairs were not properly maintained before a fall? — Durham, NC
Photographs, video, witness accounts, maintenance records, prior complaints, inspection logs, and surveillance footage can help show that unsafe…
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Should I accept an insurance company's final settlement offer after an injury claim? — Durham, NC
Do not accept an offer merely because the insurance company calls it “final.” Acceptance may make sense when the amount, risks, timing, release…
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How is a slip and fall injury claim evaluated when I still have numbness and back symptoms? — Durham, NC
A slip and fall claim involving continuing numbness and back symptoms is evaluated by looking at both responsibility for the unsafe property…
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How do ongoing physical therapy and an MRI affect my slip and fall injury claim? — Durham, NC
Ongoing physical therapy and a possible MRI can help document your symptoms, physical limitations, treatment progress, and medical expenses after a…
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How do medical bills and treatment records support a personal injury demand after a car accident? — Durham, NC
Medical records help show what injuries were evaluated, when treatment occurred, and how the condition affected you, while medical bills document the…
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How do I decide whether to accept or reject an insurance settlement offer? — Durham, NC
Decide by comparing the offer’s likely net amount with the strength, documented losses, unresolved expenses, and risks of your North Carolina…
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How can my attorney get a final lien amount from my health plan? — Durham, NC
Your attorney can request a final lien or reimbursement amount by giving the health plan’s lien administrator proof of representation, settlement…
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How can I understand the difference between liens from different health coverage plans after an injury settlement? — Durham, NC
Health coverage claims against a settlement are not all governed by the same rules. Medicare, Medicaid, the North Carolina State Health Plan,…
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How are personal injury settlement negotiations handled after the insurance company reviews a demand letter? — Durham, NC
After reviewing a demand letter, the insurance adjuster may accept the demand, reject it, request more information, or make a counteroffer.…
