Taking charge of your car accident claim in North Carolina means you’ll navigate the steps insurance companies typically handle. Follow this roadmap to manage your case from day one through settlement:
1. Immediate Actions at the Scene
- Ensure safety: Move vehicles out of traffic if possible and call 911.
- Gather information: Record names, badge numbers, insurance details, and contact info of all drivers, passengers, and witnesses.
- Document evidence: Photograph vehicle damage, skid marks, traffic signs, and road conditions.
2. Seek Medical Attention
- Visit an emergency department or your primary physician—even if injuries appear minor.
- Follow all treatment plans and attend every appointment.
- Keep copies of medical records, bills, and prescription receipts.
3. Notify Your Insurer and File a Proof of Loss
- Report the crash promptly, as required under your policy.
- Under North Carolina’s “fault” system, you may file against the at‑fault driver’s liability policy and your uninsured/underinsured coverage if needed.
- Submit a Proof of Loss form for your own property damage and medical payment coverage.
4. Value Your Claim and Negotiate
- Add up all economic damages (medical expenses, lost wages, repair costs).
- Consider non‑economic damages (pain and suffering) based on case law guidelines.
- Draft a demand letter once your treatment concludes, attaching all bills, records, and a clear statement of liability.
- Be prepared to negotiate; insurers often start with a low offer.
5. Filing Suit and Litigation (if necessary)
- You have three years from the accident date to file suit (N.C.G.S. §1‑52).
- Serve the complaint properly and prepare for discovery, depositions, and possible mediation.
- Weigh settlement offers against trial costs and the risk of a jury verdict.
Quick Checklist:
- Secure the scene, collect info, and take photos.
- Get medical care and maintain all treatment records.
- Notify insurers and submit Proof of Loss forms.
- Calculate damages and send a detailed demand letter.
- Monitor response deadlines and consider filing suit before the three‑year limit.
If you’d rather have experienced attorneys guide you through these steps, contact Wallace Pierce Law. Our team helps you avoid missteps, meets all deadlines, and maximizes your recovery. Email us at
intake@wallacepierce.com or call
(919) 313‑2729 today.
