Yes, it matters a lot! You can only recover benefits if you are not at fault in your accident. North Carolina is one of the few states with “contributory negligence,” which means that your claim could be denied if you were only 1% at fault and the other driver was 99%. Liability, or whose fault the accident was, is one of the first things we look into at Galbavy Law, but please understand it may takes months of investigation to find out relevant details. Even then, the insurance company may not “admit liability,” which means you are in for an uphill battle.
Yes, and we can help find you doctors if you don’t have your own preference.
Many providers will provide treatment and instead of asking for immediate payment, they will assert a lien on your recovery. If your insurance pays for your treatment, then they may either seek a lien or repayment from your recovery. We can assist you in limiting what you have to pay to the providers and back to insurance companies, thus maximizing your take-home recovery.
Yes, absolutely. You should take advantage of all coverage available to you, both from the at-fault party and coverage under your own policy. Your own policy should have UIM (underinsured motorist) and UM (uninsured motorist) coverage. You pay for this coverage and it is meant to cover you if the at-fault party does not have enough coverage to compensate you for your injuries.
1 Prior results do not guarantee similar outcomes in future cases because each case is unique and must be evaluated separately. The only way we can assist you is for you to call us about your case.
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