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Liability Insurance Coverage

So this is our first blog entry and I pondered, and I fretted, and I pondered some more, and I couldn’t think of what should be the first topic I should discuss.  And then it hit me… what do most people want to know about when they are in a car accident?  They want to know “who is going to pay for my car?”  or “who is going to pay for my injuries?”

Essentially, North Carolina is a “fault based” state, meaning everyone is required to carry liability insurance coverage.  This coverage will pay if you are involved in an accident and it is your fault.  Conversely, if you are injured in an accident as a result of someone else’s fault, you will be making a claim against the liability insurance coverage.  You are entitled to be reimbursed for various things such as your medical bills, lost wages and pain and suffering to name a few.  If you have been injured by someone who carries no insurance coverage, you will then look to make a claim with your own insurance company using your uninsured motorists coverage.  Our biggest advice… do NOT settle your claim with the liability insurance company until you are 100% recovered from your injuries or you have been given a permanent impairment rating by your doctor (at which point you will have a future damages claim).  Because once you settle your claim, you are forever barred from coming back and making additional claims.

There are alot of other insurance coverages that may or may not apply to your claim (more to come in future blogs).  If you ever have any doubts as to the insurance that is available to you, contact a qualified attorney to discuss your rights.

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