1. What Is a Pre‑Demand Verification and Why Did I Receive One?
Detailed Answer
When you file a car accident claim in North Carolina, your attorney gathers detailed information about your medical expenses, lost wages, and any other financial losses. A Pre‑Demand Verification is a document we send you to confirm and organize these items before we draft a settlement demand to the insurance company. You received this form to:
- Ensure we list every medical bill, therapy session, prescription cost and other out‑of‑pocket expenses accurately.
- Document lost income or time off work—so you receive fair compensation for your wage losses.
- Summarize property damage or rental car fees related to the collision.
Completing and returning the Pre‑Demand Verification helps speed up negotiations. Providing clear, organized records shows insurers the strength of your claim. If you have language preferences, let us know right away. We can arrange an interpreter or include a family member so you can review each line item in Spanish or English.
Key Points to Remember
- List every medical provider, date of service, and amount billed.
- Include Explanation of Benefits (EOB) statements from your insurer.
- Detail lost wages with employer verification.
- Attach repair estimates or rental car invoices.
- Sign and date the form before returning it.
2. How Do Health Insurance Liens and Medical Bills Affect My Settlement in North Carolina?
Detailed Answer
In North Carolina, if your health insurance or Med‑Pay coverage paid for your medical treatment after a wreck, those insurers often have a right to be reimbursed from your settlement. This reimbursement right is called subrogation. Understanding how to handle liens and bills can protect your net recovery.
Here’s how the process works:
- After your treatment, insurers send you or your attorney a lien or “demand for repayment” outlining what they paid.
- We review each lien to confirm its accuracy and check for possible reductions under North Carolina law.
- Our team negotiates with the insurer or provider to lower the repayment amount whenever possible.
- Once you settle with the at‑fault party’s insurer, we satisfy those liens so you can keep the balance of your award.
Steps to Protect Your Settlement
- Obtain copies of all Explanation of Benefits (EOBs) from your insurer.
- Request itemized bills and lien statements from each medical provider.
- Have your attorney review liens for accuracy and lawful reductions.
- Negotiate repayments—insurers often accept less than their full demand.
- Make sure liens are resolved before you sign a final settlement.
