Generally, there are two separate types of claims that arise out of a motor vehicle accident: 1) property damage and 2) bodily injury. Typically, property damage is straightforward and can and should be handled on your own. With this being said, the bodily injury portion can be much more difficult to understand, and as such, the majority of this site is dedicated to helping people work through the cumbersome process of handling the bodily injury portion of your claim.
The first and most common way to resolve your bodily injury claim in North Carolina is through settlement negotiations with the at-fault driver’s insurance company.
The other way to resolve your personal injury claim in North Carolina is to file a lawsuit, keeping in mind that mediation and arbitration may be available once a suit has been filed.
Again, most North Carolina bodily injury claims are resolved through the settlement process. Choosing to settle your claim before filing a lawsuit is often times more cost-effective and less time-consuming.
Although it is not recommended, you may choose to handle your own bodily injury claim. If you have any issues relating to your bodily injury claim, do not settle before consulting with an attorney. Once you have settled and signed the release, you are barred from pursuing any further legal action against both the at-fault driver and their insurance company. If you do choose to handle the bodily injury claim on your own, I would highly recommend reviewing our detailed Do-It-Yourself-Guide.