Firm news
Accident Q&A series
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Can a health insurer seek repayment if I did not have PIP or medical payments coverage? — Durham, NC
Yes. The absence of PIP or medical payments coverage does not automatically prevent a health insurer or health plan from seeking repayment from a…
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Why does it matter when my health insurance started after an accident? — Durham, NC
The start date matters because it helps separate which accident-related medical bills could have been billed to health insurance, which bills remain…
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Why does a claims company need a letter of representation before opening an injury claim? — Durham, NC
A claims company usually asks for a letter of representation to confirm that the law firm has permission to communicate for the injured person before…
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Who should communicate with the claims company after someone hires a personal injury lawyer? — Durham, NC
After someone hires a personal injury lawyer, the lawyer or the lawyer’s office should usually communicate with the claims company about the injury…
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Who can help me understand funding options while my car accident claim is still pending? — Durham, NC
Your current personal injury attorney is usually the first person who can help you understand funding options tied to a pending car accident claim.…
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What should I look for in a settlement release after a crash with an uninsured trucking company? — Durham, NC
Look for language that limits the release to the specific payment being made and does not give up uninsured motorist coverage, underinsured motorist…
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What should I do if an insurance company needs more information about my injury claim? — Durham, NC
Respond carefully, but do not guess, over-disclose, or ignore the request. In a North Carolina injury claim, the insurance company may reasonably ask…
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What should I do if an insurance claims representative asks for documents for my injury claim? — Durham, NC
If an insurance claims representative asks for documents, do not ignore the request, but do not send everything without review. In a North Carolina…
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What should I consider before taking a loan against a personal injury claim? — Durham, NC
Before taking a loan or cash advance tied to a personal injury claim, consider the total repayment cost, whether the company will claim part of your…
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What should be included in a release when there may be additional insurance or endorsement funds available? — Durham, NC
A release should be narrow enough to settle only the claim being paid, while clearly preserving any unresolved claim for additional insurance, a…
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What medical records are usually needed for a personal injury claim? — Durham, NC
Most North Carolina personal injury claims need complete medical records and itemized bills for every provider who treated the accident-related…
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What is required commercial trucking coverage and how can it help after an accident? — Durham, NC
Required commercial trucking coverage is insurance, a bond, or approved financial responsibility that certain truck owners and motor carriers must…
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What is a letter of representation in a personal injury claim? — Durham, NC
A letter of representation is a written notice telling an insurance company that an attorney represents an injured person for a specific claim. In a…
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What information is usually needed to move an injury claim forward with an insurance company? — Durham, NC
Usually, the insurer needs enough information to identify the claim, confirm who represents the injured person, evaluate fault, connect the injuries…
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What information does an insurance company usually need to discuss my injury claim? — Durham, NC
An insurance company usually needs enough information to identify the claim, confirm who is authorized to speak for the injured person, understand…
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What information do I need to provide to an attorney after a car accident if another passenger has most of the paperwork? — Durham, NC
You do not need to have every document before speaking with a personal injury attorney. Start with what you know: when and where the Durham car…
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What happens if the truck that hit me had no available liability coverage but may have a motor carrier endorsement? — Durham, NC
You may need to handle the claim on two tracks: an uninsured motorist claim with your own insurer and a separate effort to preserve any recovery tied…
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What happens if I got health insurance after my accident but did not use it for treatment? — Durham, NC
Getting health insurance after an accident does not automatically erase unpaid medical bills or change what happened before the policy became active.…
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What happens after I complete medical treatment for an accident injury claim? — Durham, NC
After you complete treatment, the injury claim usually moves into a documentation and evaluation stage. Your medical records, bills, lost income…
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What does it mean if my health plan says it will not pursue subrogation after my personal injury claim? — Durham, NC
It usually means the health plan is saying it does not intend to seek repayment from your personal injury recovery for medical benefits it paid. In…
