What if Insurance Doesn’t Cover the Entire Claim for my Charlotte Car Accident?

Feb 6, 2019

What if Insurance Doesn’t Cover the Entire Claim for my Charlotte Car Accident?

If you get in a car accident in Charlotte, you’ll probably suffer some pretty serious injuries. This is why it’s s important to go to the hospital for treatment immediately following your accident. This way, you can document your injuries. You can also make sure you’re okay.

Once you get treatment, you should call a car accident lawyer in Charlotte. You’re going to need to file a claim against the other driver’s insurance policy. If he was at fault, his policy should cover your injuries.

It’s important that you get accurate insurance information from the other driver. The best way to do this is to call the police. The police report will include insurance information. It will also include a lot of other vital information.

When you call a car accident lawyer in Charlotte, he can help you do this. He’ll make sure your claim is filed properly. He’ll also make sure you have evidence to support your claim.

Your North Carolina Accident Attorney Know How to Handle Your Claim

Your car accident attorney knows how to handle your insurance claim. There are a few basic rules that you must follow when it comes to an accident claim:

  • You must report the accident immediately. Most insurance companies require that you file your claim within a few days of your accident.
  • Provide all necessary information
  • Provide current and accurate contact and identification information
  • Also, provide a statement if required by the insurance company. Usually, they’ll call you and record a telephone statement of what happened.
  • Answer any follow-up correspondence related to your claim

The good news is, your accident attorney in North Carolina can do this for you. He’ll make sure that any statement you do make isn’t against your interest. He’ll also follow up with the insurance adjuster to make sure your claim is processed in a timely fashion.

Within a week or so of filing your claim, you’ll be told if your claim is approved. Ideally, you’ll get a check for the amount claim. Or they might ask for additional information. You want to make sure you reply quickly. The longer you delay in getting them the information, the longer it takes to resolve your claim.

But what happens if your claim is for more than the insurance coverage allows?

Your Personal Injury Lawyer in Charlotte, North Carolina Knows How to Handle an Underpayment

If you find out that the insurance policy doesn’t cover your entire claim, you could face some problems. This happens in cases where the injuries are very serious. Here is an example of when this could happen.

John Smith drives a 15-year old car. He only has liability. He’s chosen to keep thresholds low because he wants to keep his premium low. His policy only covers $500,000 total recovery for bodily injuries.

You get hit by John. You suffer a broken back and severed spinal cord. Also, you need multiple surgeries and physical therapy to recover. You’re out of work for 18 months. Your damages are over $1 million.

John’s policy only covers half of your injuries. What are you supposed to do?

Your lawyer will give you a few options:

  • File a claim under your own uninsured motorist’s Just keep in mind that this is not going to cover anywhere near $500,000. It may only offer a small patch to the difference.
  • File a personal lawsuit against the driver. This is probably your only option. Depending on what kind of assets the driver has, this could be a good idea or a total waste of time.

Even if you win a lawsuit against the driver, you may never see another dime. In order to get your judgment paid, the defendant must have assets. If he doesn’t own a home or have money in the bank, you may never see a dime of your money.

Some of the Best Car Accident Lawyers are in Charlotte, North Carolina

If you’ve been injured in a car accident, you need to contact a lawyer. Thankfully, some of the best car accident lawyers are in Charlotte, North Carolina. Call and schedule your free initial consultation. You’ll get to meet with an experienced attorney and discuss your case.

The insurance company is going to lawyers working for them and so should you. You don’t want to be taken advantage of at such a crucial time. And remember – you pay nothing until your claim is paid.