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Do Pre-Existing Conditions Affect Personal Injury Claims and Settlements?

Many discussions about personal injury claims start with the assumption that the victim was in a state of flawless health before their car accident.

In real life, however, this is rarely true. Most people deal with all sorts of health conditions—some major and some minor. So what impact do pre-existing conditions have on personal injury settlements and the compensation victims receive?

The answer: it depends. A pre-existing condition shouldn’t prevent you from seeking compensation. However, it’s important to establish your health status both before and after the crash in order to show how the accident made your symptoms worse.

This isn’t always easy to do, and unfortunately, insurance companies often take advantage. Pre-existing conditions are often used as an excuse to deny or reduce the value of legitimate claims.

Pre-Existing Conditions: The General Rule

In general, the victim in a personal injury case can only recover compensation for injuries, medical conditions, or symptoms that are directly caused by the accident. If you had an existing injury or medical condition that wasn’t affected by the crash, you aren’t entitled to compensation for it.

You are, however, entitled to receive compensation for pre-existing conditions to the degree that the accident made them worse. This is known as exacerbation or aggravation of pre-existing conditions. You may be able to receive compensation not only for physical ailments and injuries, but also mental health conditions like anxiety and depression.

The importance of determining the severity of a pre-existing condition both before and after an accident means that, in any personal injury case, the injured party will inevitably face questions about their past injuries or health conditions. Your attorney will try to establish the degree to which the accident worsened any conditions or injuries you had beforehand, while the insurance company will usually try to blame everything on any pre-existing problem they can find—no matter how minor or unrelated.

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Common Pre-Existing Injuries That Are Aggravated by Car Accidents

A person standing with their hands on their back indicating pain or strain

The sudden, blunt force of an auto accident often puts extreme stress on areas of the body including the spine, neck, and head. If you have a pre-existing injury in one of those areas, a motor vehicle accident can easily exacerbate the problem.

Some of the most common pre-existing injuries aggravated by car crashes include:

  • Prior head injuries such as a traumatic brain injury (TBI): If you’ve already experienced a TBI, you are more susceptible to future TBIs. Subsequent brain injuries are often more severe and sometimes lead to permanent damage.
  • Back and spinal cord injuries: A common pre-existing injury such as a herniated disc in your back can be aggravated or re-injured even in a small fender-bender.
  • Neck pain: Whiplash, or neck strain due to rapid head movement, is a common injury following a rear-end car accident. If you have any pre-existing injury to the neck or upper spine, a car accident is almost certain to make it worse.

If you have been seen by a medical professional for any of these injuries, those records and medical bills may be relevant to your car accident claim. A pre-existing condition like those listed above can cause additional trauma in the event of a car crash, and your personal injury claim will need to show how the accident made your condition worse.

RELATED: How Much Compensation Do You Get for a Brain Injury After a Car Accident?

Will My Pre-Existing Condition Affect My Car Accident Claim?

If a car accident aggravated your pre-existing condition, settlement negotiations with the insurance company will likely be complicated.

That said, you should never feel discouraged from pursuing compensation for your injuries just because of a pre-existing condition. In many cases, an injury victim who has received regular medical treatment will have an easier time producing concrete evidence of their medical history compared to someone who hasn’t seen a doctor in 10 years.

The compensation you may be eligible to receive for the aggravation of a pre-existing condition will depend on establishing the severity of that condition and how it affected your life before the accident. Fair compensation for a personal injury claim should include:

  • Medical expenses: When looking at treatment for a pre-existing condition, any treatment costs, consultations with medical experts, therapists, surgeries, etc. related to your accident should be covered if they are above and beyond what you had already expected to pay. For instance, if you are already in physical therapy, your bills would only be covered if you required extra physical therapy appointments.
  • Lost wages: if you missed work due to the accident or any medical appointments related to the accident, that monetary loss should be compensated with your claim.
  • Pain and suffering: You may seek compensation for lost quality of life. With a pre-existing injury, this will only be relevant to the extent that your quality of life was changed by the accident.
  • Property damage: This includes damage to your car in the event of an accident, and even personal belongings in the car.

Sometimes accident injuries can be more difficult to prove when you have a pre-existing condition. However, the injuries you suffer as an accident victim deserve fair treatment from the insurance company. You should not be afraid to seek out compensation for injuries following a car accident.

RELATED: Car Accident Lawyers in Charlotte, North Carolina

3 Tips for A Stronger Personal Injury Claim With A Pre-Existing Condition

The insurance company is looking to pay out as little as possible. This means the insurance company will search through your medical records for any possible evidence that of a pre-existing condition to blame for your injuries.

Here are a few tips to help you make your case as strong as possible:

  1. Hire an experienced personal injury attorney to represent you. They will go over your medical history, including any information about pre-existing conditions, at the beginning of the case. Their experience in negotiating with insurance companies can be invaluable.
  2. Be honest with your attorney. Let your attorney decide how to handle any information that might seem to complicate your claim rather than keeping such details to yourself. Failing to disclose a previous injury could damage your credibility, jeopardize your claim, and even expose you to legal action if the defense finds out about your omission.
  3. Provide as many medical records as you can. Any documentation to show your health condition prior to the accident can be used to prove how things changed as a result of the accident. Even something as small as an existing injury involving knee pain can be affected by a car crash. While you may not have seen a doctor for lesser pre-existing injuries, physical therapy records can be enough to show how the car accident changed your injuries.

“The Eggshell Skull Rule” or “Take Your Victim as You Find Him”

One important legal concept has a rather unusual name: It’s often called the “eggshell skull rule.” It’s also known under a few other names, including the “take your victim as you find him or her” rule. In general, this rule applies to all personal injury cases, and it states that the relative frailty of the injury victim is not a valid defense against an insurance claim.

The rule’s name comes from an imaginary case that illustrates the core concept. Imagine a person who injured someone else, unaware that the victim’s skull was as thin as an eggshell. Such a condition would leave that person extremely susceptible to injury. According to the “eggshell skull rule,” the defendant is liable for all damages that stem from their wrongful actions, even though they had no idea about the victim’s condition and even though that condition played a role in the severity of the resulting injuries.

To use a few more specific examples, a person with a history of concussions might suffer a debilitating TBI in a crash that might not have caused a brain injury in a typical adult. Or, a person with osteoporosis might be at greater risk of severe bone fractures. According to the eggshell skull rule, the at-fault party can’t use the victim’s frailty to get out of paying for their damages.

The most important takeaway from this rule is that no victim should hesitate to contact an attorney if they were injured due to someone else’s negligence, regardless of the state of their health before the accident.

Contact Myers Law Firm If You've Been Injured

If you or a loved one has been injured due to someone else’s negligent actions, Myers Law Firm is here to help with aggressive, dedicated legal advocacy. We understand how your prior injury can affect your case, and we have extensive experience with cases where a defendant’s insurance company tries to avoid paying claims. When you choose us to represent you, we’ll put our years of experience and familiarity with local courts to work for you, and we’ll fight relentlessly on your behalf until your case reaches a resolution.

Call our offices today at 888-376-2889 or fill out the contact form on our website to schedule your free consultation with our car accident lawyers. We will use this time to get to know you, learn about your case, and inform you about your legal options so you can go forward with confidence.

The content provided here is for informational purposes only and should not be construed as legal advice on any subject.

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North Carolina Auto Insurance Policies and Processes

After an accident, your first instinct might be to turn to your insurance company for help, but their priority is to maximize profits — not compensate you for your injuries and losses. Some states, like North Carolina, have policies and laws that complicate this insurance process even further and provide additional ways for insurance companies to avoid paying full compensation. Rather than turning to your insurance company, you should speak with an experienced personal injury lawyer immediately after your accident to discern if you have a valid claim.

Here’s what you need to know about North Carolina auto insurance policies and processes to keep you and your family safe on the road.

1. Is Auto Insurance Required in North Carolina?

Basic liability insurance, which covers damages to other people (bodily injury liability) and their vehicles (property damage liability) as the result of an accident involving the covered automobile, is required in the state of North Carolina.


2. What Is Contributory Negligence?

In North Carolina, the Contributory Negligence Law states that the injured party cannot collect any compensation from the other driver if the injured party was also at-fault for the accident. This applies even if the injured person is only 1% at fault and the other driver is 99% at fault. This harsh law hurts injury victims.

RELATED ARTICLE: What Is Negligence, Anyway?

3. What Is Med Pay Insurance and Why Do I Need It?

Med Pay covers all necessary and reasonable medical expenses of anyone in the covered vehicle up to the policy limits regardless of whether you played a role in the accident.


In states with contributory negligence laws, Med Pay is critical since being found 1% at-fault for an accident will leave you unable to collect any liability insurance money. (Collision insurance is also recommended to help pay for damages to your vehicle.)

RELATED ARTICLE: How Med Pay Coverage Can Help You After a Car Crash.

4. What Happens If I Don’t Have Auto Insurance?

Letting your auto insurance lapse (or not having any to begin with) will result in civil penalty fines, license suspension, and even jail time for repeat offenses.

Furthermore, in the event you’re found to be at-fault for a collision, you could pay anywhere from a few thousand to a few hundred thousand dollars in out-of-pocket medical bills and damages to the other driver(s) — in addition to your own bills.

5. What Is Uninsured and Underinsured Motorist Coverage?

Uninsured and underinsured coverage helps protect persons who’ve been injured in an accident with a driver carrying little or no insurance.

  • Uninsured Motorist Coverage: North Carolina requires all policies to include bodily injury and property damage uninsured motorist coverage. This covers drivers and pedestrians in cases where the negligent driver does not have any auto insurance.
  • Underinsured Motorist Coverage: This coverage is only included in certain policies and adds additional coverage in situations where the negligent driver’s liability insurance has a very low policy limit.

6. What Affects My Insurance Rates?

Insurance companies base their rates on the driver’s level of risk. Some factors included in this risk calculation are:

  • Age
  • Credit score
  • Driving history
  • Location of residence
  • Type of vehicle
  • Average vehicle use

7. What Is the Safe Driver Incentive Plan?

The North Carolina Safe Driver Incentive Plan (SDIP) is a point-based system that increases the cost of your insurance based on the number of points on your record. Insurance rates are increased by a specific percent depending on the extent of the violation and its corresponding point value.

For instance, a single point is given for at-fault accidents resulting in damages less than either $1,800 in medical expenses or $2,300 in total property damage. This single point increases your insurance rates by 30%.

8. Does North Carolina Offer Auto Insurance Discounts?

Always ask about insurance discounts when looking for a new policy. Keeping a clean record is the most efficient way to save money on your insurance, but there are often discounts available as well. According to the North Carolina DMV, that might include discounts for:

  • Excellent driving
  • Being a good student
  • Owning multiple cars
  • Owning a home
  • Installing an auto-theft alarm

9. What Should I Do After an Accident?

After an accident, you should call the police so a police report can be created. You should also collect the following information related to the other driver:

  • Basic Information: Name, address, and phone number
  • License Information: Driver’s license and license plate number
  • Insurance Information: Name of the insurance company and policy number

Additionally, if you feel you are injured, even slightly, always seek medical treatment after an accident. Official documentation of your injuries can be very useful in insurance claims.

Before speaking to an insurance adjustor, you should contact a reputable and experienced personal injury lawyer.

RELATED ARTICLE: 8 Things You Should Never Do After an Auto Accident.

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Contact Myers Law Firm If You’ve Been in an Accident

Winning an insurance claim in North Carolina can be a very complicated process. Due to Contributory Negligence Laws, if you are found to be just 1% responsible for the accident, the insurance company is not required to provide compensation. Working with a skilled and experienced personal injury lawyer from the start can help you prove the other driver’s negligence and receive fair compensation for any injuries and damages you’ve suffered.

Contact Myers Law Firm for assistance navigating North Carolina’s contributory negligence laws and determining the strength of your potential claim. Please complete this brief online form or call (704) 376-3000 today to schedule your free consultation.

References

A consumer guide to automobile insurance. (2018, March). North Carolina Department of Insurance. Retrieved from http://www.ncdoi.com/_Publications/ Consumer%20Guide%20to%20Automobile%20Insurance_CAU1.pdf

North Carolina car insurance. (2013, October). Department of Motor Vehicles. Retrieved from https://www.dmv.org/nc-north-carolina/car-insurance.php

What is the penalty for driving in North Carolina without insurance? (2017, November). Car Insurance Comparison. Retrieved from https://www.carinsurancecomparison.com/what-is-the-penalty-for-driving-without-car-insurance-in-north-carolina/ 

 

The content provided here is for informational purposes only and should not be construed as legal advice on any subject.

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We are able to meet with clients and hold consultations with prospective clients via telephone or video conference. If you need to contact us, please do not hesitate; we are happy to speak with you about your situation, your needs, and how we can help.

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Three Reasons to Go to the Doctor After Car Accident

It might be tempting to skip going to the doctor after you’ve been in a car accident. Maybe you think you can tough it out, or you’re hoping the pain will get better on its own. Before you skip going to the doctor, take a few minutes and read this article. There are plenty of good reasons why you should always receive medical attention after you’ve been involved in a car accident.

Here are three reasons to go to the doctor after experiencing a car accident.

1. You Need to Take Care of Yourself and Look Out for Your Long-Term Health

First and foremost, you need to take care of yourself. Even if you think you can tough it out or don’t believe you are injured very badly, it’s still best to seek medical attention. Latent injuries like concussions, whiplash, or internal wounds are not always immediately apparent, and they can become more dangerous (and more expensive) the longer you wait to seek treatment.

RELATED BLOG ARTICLE: Do I Have to Pay My Own Medical Bills After a Car Crash?

Traumatic car accidents can also cause mental and emotional damage that can be just as damaging as physical injuries. Emotional stress is very real and, like physical injuries, can be dangerous when left untreated. It’s not unusual for victims to experience stress, anxiety, insomnia, or even PTSD after a terrible accident. It’s normal to have a fear of driving or even riding in a car for some time. A medical professional can recommend appropriate treatment for your emotional anguish and help you begin to live your life again after a wreck.

2. Visiting a Doctor Right Away Can Help You Avoid Bogus Arguments From the Insurance Company

Medical bills can pile up after a car crash, and going to the doctor if you are injured ensures detailed documentation of your injuries. Insurance companies will review this paper trail when assessing your claim and deciding how much money you’re owed.

The insurance company wants to settle your case as quickly and cheaply as possible after an accident. They’ll do whatever they can to claim that you were not injured. When you try to tough it out and wait to go to the doctor but then demand compensation for your injuries later, the insurance company will claim that you aren’t owed anything because your injuries weren’t severe enough to merit going to the hospital right away.

While this bullying tactic isn’t fair to victims who’ve been injured in an accident that was not their fault, it happens every day — which is why, in addition to seeking prompt medical treatment, reaching out to an experienced car accident lawyer is in your best interest. An attorney can deal with the insurance company and help you navigate the complex insurance claims system in North Carolina.

3. Medical Treatment Establishes Critical Evidence for a Lawsuit

You might not want to think about anything other than recovering from your injuries after a car accident, but when you’ve sustained traumatic injuries because of someone else’s negligence, you deserve fair compensation. Medical records document your physical condition. The longer you wait to get examined, the more challenging it will be to prove the extent of your injuries and demand compensation for your suffering.

Medical records allow your attorney to support you in the event you decide to file a lawsuit to obtain compensation for your losses and suffering. These records provide evidence to support your claims. X-rays, doctor’s notes, and patient files are all proof that you’ve suffered as much as you say you have. Without these records, it would be incredibly challenging for you to prove your case, no matter how devastating your injuries. If you can’t prove these damages, in the eyes of the court, they don’t exist. Going to see a medical professional for physical and emotional wounds is the best way to make sure you have everything you need to fight for justice and fair compensation.

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Myers Law Firm: Helping North Carolina Car Wreck Victims Seek Justice and Prioritize Health

If you’ve suffered injuries as a result of another driver’s negligence in North Carolina, you’re entitled to financial compensation under the law. The attorneys at Myers Law Firm are experienced, compassionate, and ready to fight for justice on your behalf.

Please contact us today by calling (888) 376-2889 or completing our easy and convenient online contact form to schedule your free consultation.

The content provided here is for informational purposes only and should not be construed as legal advice on any subject.

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Negligence

Negligence is one of the most important concepts in a personal injury case. It’s so critical, in fact, that most of the hard work in your personal injury case will go toward establishing that the defendant’s actions amounted to negligence. (In a personal injury lawsuit, you’re the plaintiff if you’re the one filing the lawsuit, and the defendant is the person you’re suing.) If you and your attorney can’t prove negligence, then your personal injury case will fail.

So, what does negligence mean in an injury claim, and how do attorneys go about proving it? In this article, we’ll define negligence and go over the fundamental elements your attorney must prove to show a defendant was negligent.

Negligence: The Everyday Definition

Lawyers and other legal professionals tend to use very specific (sometimes confusing) language. Even when a lawyer uses words you’re familiar with, they might use them with a different meaning from what you’re used to. “Negligence” is a good example of this.

To see what we mean, let’s take a look at the everyday, non-legal definition of negligence. When we search for “negligence” on Google, we get the following definition: “failure to take proper care in doing something.” That definition lines up with the way most people would use the word “negligence” in conversation.

If you think about some possible examples of negligence to fit that definition, you’ll realize how broad the everyday definition of negligence is. Under the Google definition, you could call someone negligent if they got behind the wheel while drunk and caused a car accident. However, you could also use the same definition to label someone negligent if they cut their finger while chopping vegetables or forgot to lock up their house as they rushed out the door. After all, none of those things would have happened if the person was taking the proper care.

So, the everyday definition of negligence isn’t specific enough to use in civil lawsuits. If lawyers and courts defined negligence using the ordinary definition you’ll find in Google or a non-legal dictionary, people could sue a chef for overcooking salmon or a dry cleaner for shrinking a shirt.

Courts use a similar but much more specific definition of negligence to decide whether the defendant in a personal injury case should be held responsible for injuries and losses. Our legal system defines negligence as “the failure to exercise the care toward others which a reasonable or prudent person would do in the same or similar circumstances.”

This legal definition may seem not too different from the everyday definition at first. However, the second part of the legal definition — the part that checks the defendant’s behavior against how a reasonable person might behave in the same situation — is very important, because it distinguishes between the drunk driver and the absent-minded vegetable chopper we described earlier.

After all, no one is perfect, and even reasonable people make mistakes and do absent-minded things. Reasonable people have off days where they misplace their car keys and burn their toast. But reasonable people never get behind the wheel and drive drunk, because they know they could injure or kill someone.

RELATED BLOG ARTICLE: Do You Have a Personal Injury Case? Here’s How Attorneys Decide

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Four Elements of Negligence

So, how do attorneys establish what a reasonable person would do in a situation and then compare a defendant’s behavior to prove a negligence claim? To create a standard for proving negligence, courts have broken down the concept of negligence into four different components or “elements.” To prove negligence in a personal injury case, an attorney must prove each of these four elements.

  • Element #1: Duty of Care (Also Called Standard of Care)

    First, to prove negligence in a civil case, you have to show that the defendant had a duty of care toward you, the injured party. A duty of care means an obligation to act with a certain degree of reasonable caution and good sense. This element is usually the simplest to prove since our laws already establish a duty of care in many situations.

    • Example of duty of care: All drivers have a duty to exercise care toward others on the road, including other drivers, cyclists, and pedestrians. Every driver has to obey traffic laws and drive in a way that’s not reckless or dangerous.
  • Element #2: Breach of Duty

    Once you’ve proved the defendant owed you a legal duty of care, you’ll need to show that the defendant “breached” that duty by failing to behave with reasonable care.

    • Example of breach of duty: Jane runs through a red light while driving, which violates her duty to obey traffic laws and avoid putting others in danger.

If you can prove the two elements of negligence we’ve listed so far, then you’ve established liability and proven that the defendant is legally responsible for the consequences of their actions. Sometimes, the defendant even admits they breached the duty of care and accepts liability. But even when the defendant accepts liability, they and their attorney can still dispute the next two elements of negligence.

    • Element #3: Causation

      Once you prove the defendant violated their duty of care, you’ll need to show that their reckless actions led to the injuries or harm you’ve suffered. This connection between their actions and your injuries is called causation.

      Not all types of causation are created equal in the eyes of the law. The defendant’s negligent action can’t just be a loosely related cause of your injuries. Instead, the relationship needs to be what courts call a “proximate cause,” which is a fairly direct cause.

      So, if a drunk driver crashes into your vehicle and injures you, that’s a direct cause. But if the drunk driver instead hits the curb and scares a cat, the cat runs into traffic, and a second driver swerves to avoid the cat and hits you, you probably won’t have a valid personal injury claim against the drunk driver who hit the curb and scared the cat. Even though the drunk driver technically caused your injuries, the cause wasn’t direct.

      To prove causation, your lawyer may also need to hire additional expert witnesses, like doctors who can testify that your injuries resulted from the defendant’s actions and not from anything else.

      • Example of causation: When Jane runs through the red light, she causes a crash that leaves a victim, Sue, with severe injuries that include a broken hip and cracked ribs. Sue requires emergency surgery and months of follow-up medical treatment, leaving her with tens of thousands of dollars in medical bills and lost wages. Doctors testify that Sue was in good health before the crash and wouldn’t have needed treatment for the hip and rib injuries if the crash hadn’t happened.
  • Element #4: Damages

    Once you’ve proved that the defendant’s negligent actions caused your injuries, there’s one last step: you’ll need to show that the defendant’s actions caused you real harm and then translate that harm to an amount of money.

    This might sound simple, but it’s often the most complicated part of proving negligence. Your lawyer will need to not only show all the different types of harm you’ve suffered but also translate each type of harm into dollar amounts, which are called damages. The total damages in your case should represent all the monetary losses, pain, and suffering you’ve experienced because of your injuries.

    To prove damages, your lawyer will need to provide lots of evidence. Examples of evidence that can help prove damages are medical bills from your treatment, pay stubs to prove lost wages, and testimony from experts about how your injuries will affect your career and your ability to work.

    • Example of damages: Sue’s attorney uses medical bills and medical records as well as testimony from experts to show that the damages in Sue’s case equal $50,000.

Even if you understand how negligence works, proving all four elements in court isn’t easy. The insurance company and their legal team will do everything they can to undermine your claim and raise defenses against your arguments. If the other side can create doubt about any one of the four critical elements of negligence, you’ll lose your case. That’s why you should always work with an experienced personal injury lawyer when you’re trying to hold someone responsible for injuring you or someone you love.

Contributory Negligence vs. Comparative Negligence

So far, we’ve been talking about negligence as if only one person can be at fault for a car wreck or other accident. But in the real world, you might get into a crash that’s partially your fault and partially someone else’s fault.

As an example, let’s say you’re driving through a green light at an intersection when Mike, who was driving in the opposite direction, suddenly turns left and smashes into your vehicle. Mike should have yielded and had no right to make a turn while you were traveling through the intersection.

However, it turns out you weren’t paying attention to your speed at the time, and you were going 10 miles per hour over the posted speed limit as you were traveling through the intersection. Even though you weren’t speeding by a lot, your vehicle’s speed might have affected Mike’s actions and contributed to the crash. Maybe Mike assumed you were going the speed limit, misjudged your speed, and thought he had enough time to turn left.

In this situation, a jury might find that Mike was 80 percent at fault for the crash because he failed to yield and smashed into your vehicle. However, they might assign you the other 20 percent of the blame because you were speeding. So, how does this situation affect your right to compensation?

The answer depends on where the crash took place. Different states have different rules for how juries should assign compensation based on how much the plaintiff was at fault. All 50 states use one of two different rules: comparative negligence (which exists in two different versions) and pure contributory negligence.

  • Comparative Negligence

    If your injuries happened in a state that uses comparative negligence (also called comparative fault), then you still have a right to compensation even if you were partially at fault for causing your own injuries. However, you can only collect a percentage of the total damages that equals the percent that the defendant was at fault.

    If that sounds confusing, let’s go back to our example of Mike, the driver who turned left into your car when you had a green light. Since the jury found that Mike was 80 percent at fault, you’d be entitled to 80 percent of the total damages if you’re in a state that uses comparative negligence.

    Also, remember that there are two different versions of comparative negligence:

    • Pure comparative negligence: You can collect damages no matter how much you were at fault for causing your own injuries, as long as someone else was partially responsible. So, if you were 80 percent at fault but the defendant was 20 percent at fault, you could still collect 20 percent of the total damages.
    • States that use pure comparative negligence for personal injury claims and lawsuits: Alaska, Arizona, California, Florida, Kentucky, Louisiana, Mississippi, Missouri, New Mexico, New York, Rhode Island, South Dakota, Washington
    • Modified comparative negligence: You can collect damages as long as you were less than 50 percent at fault (51 percent in some states). So, if you were 40 percent at fault but the defendant was 60 percent at fault, you could collect 60 percent of the total damages. However, if you were 60 percent at fault while the defendant was only 40 percent responsible, you would have no right to compensation.
    • States that use modified comparative negligence for personal injury claims and lawsuits: Arkansas, Colorado, Georgia, Idaho, Kansas, Maine, Nebraska, North Dakota, South Carolina, Tennessee, Utah, West Virginia
  • Pure Contributory Negligence

    Compared to comparative negligence, pure contributory negligence (also called pure contributory fault) is a very harsh rule that’s unfair to victims. In states that apply pure contributory negligence, you lose your right to compensation if you were in any way at fault for causing your injuries — even if the other person was 99 percent at fault and you were only 1 percent responsible.

    Contributory negligence only exists in the “pure” version. There is no “modified” version, like there is with comparative negligence.

    • States that use pure contributory negligence for personal injury claims and lawsuits: Alabama, Maryland, North Carolina, Virginia — Washington, DC also uses the pure contributory negligence rule but makes an exception for for motor vehicle accidents that involve pedestrians and bicycles

 RELATED BLOG ARTICLE: Why Contributory Negligence Matters for Your Personal Injury Case

Myers Law Firm: Fighting for Injured Victims of Negligence in and Around Charlotte

If you or someone you love suffered serious injuries in Mecklenburg County because of someone else’s negligent behavior, please contact Myers Law Firm right now. We’ll listen to your story and explain your legal options at no cost to you.

To schedule your free initial consultation with an experienced personal injury attorney from our team, please complete our quick and easy online contact form or call us at 888-376-2889.

The content provided here is for informational purposes only and should not be construed as legal advice on any subject.

Contact Myers Law Firm

We are committed to continuing to serve our clients’ legal needs

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We are able to meet with clients and hold consultations with prospective clients via telephone or video conference. If you need to contact us, please do not hesitate; we are happy to speak with you about your situation, your needs, and how we can help.

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Medical Bills

After a serious car accident, you might find yourself struggling to get out from under a growing pile of medical bills. Fortunately, there are several options available that may be able to help you cover these expenses. Before you write the hospital a check, read this article and learn how you can address your medical bills after a car wreck.

Identify Payment Sources for Your Medical Bills

After a car crash, it’s important to carefully assess both the negligent driver’s insurance coverage and your own policy. Depending on the types of coverage available and their policy limits, you might have a variety of claims for compensation, including:

Liability insurance
When someone else’s negligence causes a car crash in North Carolina, you should be able to file a claim against their liability insurance policy. You can file a claim for your losses, including the amount of your reasonable and necessary medical expenses, up to the driver’s policy limits.

Uninsured/underinsured motorist coverage (UM/UIM)
If the driver who hit you is uninsured or has very low policy limits that won’t cover your medical bills, your personal injury lawyer can help you file a claim against your own uninsured/underinsured motorist policy, assuming you have one (which is always a good idea).

Med Pay
Med Pay is another optional type of coverage that you can add to your auto insurance policy in North Carolina. If you have Med Pay coverage, it will cover your reasonable and necessary medical bills up to your policy limits. Unlike other types of auto insurance in North Carolina, Med Pay is a no-fault system. In other words, it should cover your bills regardless of who caused the accident.

Health insurance
If you have health insurance, either through your employer or a public agency, you should submit your bills to your insurance company for payment. (We’ll explain why this is important later in the article). Keep in mind that if your health care providers have access to your insurance information, they may have already submitted your medical bills to your insurer without even notifying you.

Workers’ Compensation
If you suffered injuries because of someone else’s negligence and you were working at the time, workers’ compensation may cover your injuries. Usually, workers’ compensation is an “exclusive remedy,” which means that once you receive workers’ compensation benefits for an injury, you can’t file any other claims related to that injury. However, in some instances — like if another person causes a car accident and injures you while you’re on the job — you may have a claim against that person. If workers’ compensation applies and you also decide to file a claim against the other driver’s insurance company, then you may have to pay the workers’ compensation insurance company back.

If the types of insurance coverage listed above either don’t apply or don’t cover the extent of your medical bills, then you’ll be responsible for the balance. Trying to figure out which types of coverage apply to your situation can be a confusing process, so if you need help, contact an experienced personal injury lawyer.

RELATED ARTICLE: Here’s How the Insurance Company Will Fight Your Injury Claim

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You Should File with Your Health Insurance, Even if You Might Have to Reimburse Your Insurance Company When You Settle Your Claims

If you have health insurance, then we recommend that you file all the claims you can with your health insurer. Sometimes your personal injury claim can take a long time to resolve, depending on the issues. Meanwhile, the medical providers may not care that you’re waiting for your injury claim to settle, and they might send your bills to collections. Filing timely claims with your health insurance company prevents you from having to worry about collections and the resulting damage to your credit.

Under North Carolina law, the company that provides your private health insurance policy can’t demand repayment of medical bills that they’ve already covered, even if you later receive compensation to address those bills via insurance benefits or a settlement.

However, this is not true for public health insurance plans such as Medicare and Medicaid, or if you have coverage through your job and your employer qualifies under a federal law called the Employee Retirement Income Security Act (ERISA). If Medicare or Medicaid pays your medical bills, and you later file an insurance claim and receive compensation for those bills, you’ll have to reimburse the government. If you have an ERISA plan, you may have to pay back your health insurance company.

If you have a type of health insurance that requires reimbursement, you and your lawyer should contact the relevant program before you settle your injury claims. If you fail to account for these reimbursements when you receive a settlement, you might face significant fines and penalties.

At Myers Law Firm, we work to ensure that our clients comply with reimbursement rules for Medicaid, Medicare, and ERISA. If you become eligible for Medicaid or Medicare while we represent you, let us know right away. Usually, we need to contact these organizations at least 30 days before we settle a claim to make sure your compensation complies with state and federal laws.

If You Have Unpaid Medical Bills, Watch Out for Liens

If you work with an attorney to file a personal injury claim and you receive financial compensation, then any doctors, practices, hospitals, or ambulance services to whom you owe money may be able to receive a portion of your award or settlement. One tool that these providers can use to get the money you owe them is called a lien.

A lien essentially gives someone the right to an asset or amount of money. If a medical provider successfully files a lien against a portion of your injury settlement, then the provider has the right to receive some of the settlement funds. If there are any liens against your injury claims, those liens will get paid out of your settlement using a mathematical formula established by North Carolina law.

However, medical providers must follow specific rules before they can file a lien. First, the provider must give you or your lawyer copies of your medical records and bills, and they must do so at no cost to you. Second, the provider must send a written notice to you or your lawyer advising you about the lien.

Sometimes, medical providers will negotiate a reduction in the value of medical bills or liens. Depending on the circumstances surrounding your claim, your personal injury lawyer might be able to cut down on your liens and outstanding medical bills, especially if you’re settling your claims for less than the total amount of your medical bills.

For more information about medical liens and your options to address medical bills after a car wreck, schedule your free consultation with Myers Law Firm today.

Myers Law Firm: Fighting for Car Accident Victims in and Around Charlotte, North Carolina

At Myers Law Firm, we understand that a serious car crash can leave you with confusion, stress, and anxiety — not to mention lots of medical bills. If you or a loved one has suffered injuries due to someone else’s negligence, we’re here to help. When you choose us to represent you, we’ll act as your advocate and use our legal experience and resources to fight relentlessly for you.

To schedule your free consultation with an experienced injury lawyer from Myers Law Firm, call our offices today at 888-376-2889 or fill out our online contact form. We’ll use this time to get to know you, learn about your case, and inform you about your legal options so you can go forward with confidence.

Reference

Lien created; applicable to persons non sui juris. N.C. Gen. Stat. § 44-49 (2001). Retrieved from https://www.ncleg.net/EnactedLegislation/Statutes/PDF/ByArticle/Chapter_44/Article_9.pdf

The content provided here is for informational purposes only and should not be construed as legal advice on any subject.

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Settlement Offer

After a serious injury, the insurance company might offer you a settlement and discourage you from contacting a personal injury lawyer. You might understandably feel tempted to take this offer and just put the whole thing behind you so you can focus on recovering.

Even though it may seem like the simpler and easier option right now, however, hastily accepting a settlement offer might not put things behind you at all. In fact, it can create serious financial problems for you that could lead to a lot of stress, hardship, and regret before long.

Before you make any decision about a settlement offer, you need to understand your options and know about the factors that can affect the value of your case. Read on to learn more about how you can evaluate a settlement offer from the insurance company and decide whether it’s fair.

What’s My Personal Injury Case Worth?

Your claim’s value isn’t simply based on numbers. You’ll also have to weigh factors that might impact your chance of success at trial — which is also what the insurance company is doing on the other side when they decide how much to offer you.

RELATED VIDEO: Client Success Story | Janet

When insurance companies review personal injury claims, they consider several things:

  • The total monetary value of your damages (medical bills, lost wages, pain and suffering, etc.)
  • The costs associated with defending the claim (including legal and expert witness fees)
  • Whether there are weaknesses in your claim, such as a pre-existing medical condition or the potential for a defense based on contributory negligence
  • Whether you’ve hired an experienced personal injury lawyer who’s willing to take your case to trial and fight aggressively on your behalf

Before you respond to a settlement offer, you should consider all these factors. It’s impossible to get into the specifics of how you should weigh each factor without knowing the facts of your case, but you can always contact an experienced personal injury lawyer to get advice based on your unique circumstances.

Calculating Your Economic Damages

You should never settle your personal injury claim before you calculate your economic damages. Economic damages are the financial losses associated with your personal injury claim. They can include:

  • Medical expenses, including the cost of surgeries, medications, hospitalizations, ambulance rides, and other therapies
  • Lost wages and income
  • The cost of repairing or replacing your property
  • Attendant care (household services you have to pay for after the accident)
  • Funeral and burial expenses (if you have a wrongful death case)

The first step towards calculating your economic damages is compiling all your existing medical bills, receipts, check stubs, and other financial information.

RELATED BLOG ARTICLE: Dealing with Diminution of Value Claims

Your economic losses also might extend into the future, especially if you won’t be able to work again or if doctors believe your injuries will require additional medical treatment later. In addition to organizing your medical bills and the other expenses you’ve incurred so far, you’ll need to figure out the value of your future medical bills and lost wages. This usually requires help from an expert, which an attorney can arrange for you.

Valuing Your Pain and Suffering and Your Other Non-Economic Damages

When you file a personal injury claim in North Carolina, you can demand compensation for your non-economic losses, including:

  • Pain and suffering
  • Emotional distress
  • Your inability to participate in hobbies and other activities (sometimes called “loss of enjoyment of life”)
  • Negative consequences for your relationship with a spouse, parent, or child (also called “loss of consortium”)

Compared to economic damages, calculating your non-economic damages is more of an art than a science. There isn’t a simple formula that judges and lawyers use to compute these losses, and two different courts might value the same person’s pain and suffering very differently. This can make it very difficult for you to try and estimate your pain and suffering damages without help from a lawyer.

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Understanding the Strengths and Weaknesses of Your Case

Damages aren’t the only factor insurance companies use to decide how much to offer a victim. Even if you have millions of dollars in medical expenses and lost wages, the insurance company might offer you only a modest settlement if there are serious problems with your case.

For example, if your actions contributed to your injuries in any way, North Carolina’s strict contributory negligence laws might bar you from receiving any compensation, even if the other person’s negligence was the main cause of the accident.

RELATED BLOG ARTICLE: Why Contributory Negligence Matters for Your Personal Injury Case

Additionally, the insurance company will consider how much it might spend on attorney’s fees, expert witnesses, and litigation expenses if your case went to trial. If your case would be expensive to defend and hard to win, the insurance company might be more willing to offer you fair compensation for your injuries.

On the other hand, if the insurance company doesn’t think there’s any risk of your case going to trial, then they won’t see much incentive to make you a fair settlement offer, even if the damages in your case are extensive. This is one reason why it’s important to get an attorney involved in your claim as soon as possible. Hiring an attorney doesn’t mean your case has to go to trial; in fact, it makes it more likely your case will end in a successful settlement, because it calls the insurance company’s bluff and forces them to get serious about their settlement offer if they want to avoid a costly trial.

Should I Use an Online Settlement Calculator?

You might find tools that claim to be “settlement calculators” on the Internet, but they’re typically worthless. Assessing the value of your personal injury claim involves more than simply punching some numbers into a calculator. We’ve tested out some of these online calculators, and we frequently encountered the following problems:

  • They can’t account for all the relevant factors.
    Sometimes, we’ll meet with a potential client who has a lot of medical bills and lost income, but there are serious legal problems with their claim. An online calculator can’t factor in important details about your case, such as whether you had pre-existing conditions or whether the defense might be able to argue that your own actions contributed to your injuries.
  • State laws vary dramatically.
    A case that a lawyer in one state would consider high-value might be worth a lot less in another state (and vice versa). Online calculators don’t factor in how differences in state law might impact your claim, and the impact of these differences can be enormous.
  • You probably don’t have all the information the calculator needs.
    The calculator will ask you to input the costs of your future medical expenses and the value of your future lost wages, but as we discussed earlier, accurately estimating these figures requires help from an expert.

How to Negotiate with the Insurance Company

The process of settling a case is very much a negotiation, and as in most negotiations, the first offer is rarely the “real” offer. Typically, an insurance adjuster will offer you much less than the true value of your case when they give you an initial settlement offer, especially if you don’t have a personal injury lawyer. Most likely, the adjuster is just “fishing” to find out whether they can easily make your case go away by offering you a relatively small amount of money.

And although hiring a lawyer can improve your chances of successfully negotiating a fair settlement, sometimes the insurance company flat-out refuses to make the victim a reasonable offer. When this happens, there’s no other way to get fair compensation for your injuries than to file a lawsuit and take your case to trial.

Fortunately, hiring an experienced lawyer and approaching your personal injury claim with a trial mentality from the beginning actually makes it more likely you can avoid going to court. That’s because it will let the insurance company know you’re serious about your claim and tell them they need to make a serious settlement offer if they want to avoid litigation. And if a trial does become necessary, you’ll be ready for it, because you and your attorney will have been preparing every step of the way.

Myers Law Firm: Fighting to Protect Injured Victims in and Around Charlotte, North Carolina

At Myers Law Firm, we understand the stress, anger, and confusion that often accompany a senseless injury. If you or a loved one has been injured due to someone else’s negligence, we’re here to help. When you choose us to represent you, we’ll act as your advocate and use our years of personal injury experience and our extensive knowledge of the local courts to fight relentlessly on your behalf.

Call our offices today at 888-376-2889 or fill out our online contact form to schedule your free initial consultation with an experienced North Carolina injury attorney. We’ll use this time to get to know you, learn about your case, and inform you about your legal options so you can go forward with confidence.

The content provided here is for informational purposes only and should not be construed as legal advice on any subject.

Contact Myers Law Firm

We are committed to continuing to serve our clients’ legal needs

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We are able to meet with clients and hold consultations with prospective clients via telephone or video conference. If you need to contact us, please do not hesitate; we are happy to speak with you about your situation, your needs, and how we can help.

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Car Crash Fatalities

Car crash fatalities are on the rise in the United States. The suspected culprit, according to traffic safety experts: Distracted driving.

Unfortunately, this comes as no surprise considering the general increase of cellphone use and our culture of “need-it-now” information. Compounding the widespread use of smartphones and other devices are lower gas prices and a stronger economy, which inevitably fuel more driving and therefore more traffic fatalities.

Distracted Driving

Distracted driving is anything that takes away your cognitive, visual, or physical ability to focus on the primary task of driving. When you’re behind the wheel, distractions can pop up everywhere you look. Whether it’s your cell phone, car passengers, other drivers, your car stereo or temperature controls, or even just thinking about your busy day, distractions can compromise your attention and cause a crash in the blink of an eye.

Distractions while driving, of course, have been around far longer than smartphones — in fact, they’ve been around for as long as automobiles have existed. Eating and driving, for example, is one of the most dangerous activities you can engage in behind the wheel; the National Highway Traffic Safety Administration (NHTSA) estimates that it increases your risk for a crash by 80 percent.

Still, there’s no denying that the advent of smartphones, in-car GPS, and other portable electronic devices have introduced a host of new sources for distraction without alleviating any of the distractions that already existed. With social media, mobile games, and all the information on the world wide web at their fingertips, drivers are feeling more tempted than ever to take their eyes off the road — and they’re causing more crashes as a result.

Troubling Statistics Regarding Distracted Driving

The National Safety Council (NSC) reports that the current upward trend in traffic deaths began in 2014 and shows no signs of decreasing. Nationwide, the NSC reported 17,775 traffic fatalities in the first six months of 2016 — an increase of 10.4% compared to the same period in 2015 and up 18% compared to the same period in 2014. These alarming numbers came after years of declines in the total number of annual traffic deaths.

In addition, the World Health Organization (WHO) recently reported that the United States ranked 17th out of 29 high-income nations for the most traffic deaths per 100,000 people in 2013. The United Kingdom, Canada, Brunei, and the Philippines (just to name a few) have fewer traffic-related fatalities per capita than the United States.

As we discussed back in September, North Carolina doesn’t seem to be an exception to this trend, as state officials reported a 7.4% increase in traffic fatalities in 2015 compared to the previous year.

Robert Gordon, senior vice president for the Property Casualty Insurers Association of America, told a safety forum late last year that experts in the insurance industry believe that distracted driving is one of the primary causes behind the increase in traffic deaths. They came to this conclusion in part, he said, because traffic fatalities spiked especially sharply in urban areas where congestion is higher and driving speeds are generally slower.

RELATED: Can “Textalyzers” Help Stop Distracted Driving?

“You look at urban areas where the traffic slows way down and the first thing that half the drivers do, or more than half, is pull out their iPhones and their iPads,” Gordon said. “You start talking to your friends, you check your email, maybe you send a text and that’s a huge problem.”

“Our auto insurance companies feel the biggest cause of the increasing accident frequency is this type of distracted driving,” he added.

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Studies Show That More than Half of Drivers May Be Distracted

Even though most drivers are aware of the danger that distracted driving poses, few people realize just how serious and widespread the problem is. According to one recent and highly comprehensive study from the Virginia Tech Transportation Institute, the average person behind the wheel of a passenger vehicle is distracted more than 50 percent of the time, and 70 percent of crashes involve some degree of distraction as a cause.

Researchers in this study came to this conclusion based on in-car camera footage of more than 3,500 drivers, who were filmed for a period of three years. Not only that, but they also gathered self-reported survey data from the participants, and the results are equally eye-opening:

  • 1 in 5 drivers admitted to surfing the internet while driving;
  • 1 in 3 sent text messages while driving; and
  • 1 in 2 talked on the phone while driving.

Clearly, distracted driving poses a greater and more widespread threat to public safety than most people would ever care to imagine. Until lawmakers and public safety experts find a way to address this ongoing epidemic of distracted driving, traffic fatalities will most likely continue to trend in the wrong direction.

Contact Myers Law Firm

If you or someone you love has been injured in a car accident caused by a distracted driver or by any other type of negligence, Myers Law Firm is here to fight for you. When you choose us to handle your case, we promise fair and aggressive representation that places your best interests above any other concern. Please complete our online form, or call 888-376-2889 to discuss your legal options in a free, no-risk consultation.

References

DHSMV reminds motorists to focus on driving, Florida [press release]. (2016, April 1). Florida Department of Highway Safety and Motor Vehicles. Retrieved from https://www.flhsmv.gov/safety-center/driving-safety/distracted-driving/

Eating while driving. (n.d.). Decide to Drive. Retrieved from http://www.decidetodrive.org/distracted-driving-dangerous/eating-driving/

Lowy, J. (2016, October 29). Surge in U.S. traffic deaths attributed to cell phone distractions. The Associated Press. Retrieved from http://www.allgov.com/news/controversies/surge-in-us-traffic-deaths-attributed-to-cell-phone-distractions-161029?news=859681

Marshall, A. (2016, March 8). U.S. drivers are distracted more than half the time they’re behind the wheel. CityLab. Retrieved from http://www.citylab.com/commute/2016/03/major-distractions-for-drivers/472656/

Motor vehicle fatalities up 9%; No sign of a decrease in 2016, says National Safety Council. (2016, August 23). National Safety Council. Retrieved from http://www.nsc.org/Connect/NSCNewsReleases/Lists/Posts/Post.aspx?ID=134

U.S. traffic deaths jump by 10.4 percent in the first half of 2016. (2016, October 5). The Associated Press. Retrieved from http://www.nbcnews.com/news/us-news/u-s-traffic-deaths-jump-10-4-percent-first-half-n660241

The content provided here is for informational purposes only and should not be construed as legal advice on any subject.

Contact Myers Law Firm

We are committed to continuing to serve our clients’ legal needs

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We are able to meet with clients and hold consultations with prospective clients via telephone or video conference. If you need to contact us, please do not hesitate; we are happy to speak with you about your situation, your needs, and how we can help.

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Legislative Change

Since 2009, North Carolina law has required that all drivers purchase a minimum amount of uninsured and underinsured motorist coverage (UM/UIM) as part of their auto insurance policy. Previously, North Carolina required drivers to have uninsured motorist coverage, but had no requirement for underinsured motorist coverage.

Although this legislative change marked an important step toward protecting all drivers in the event of a hit-and-run incident or an accident involving an underinsured driver, it does create the unfortunate side effect of convincing many drivers that the state-mandated minimum amount of UM/UIM coverage offers enough protection for everyone.

In this article, we’ll discuss why that’s not always the right conclusion to make, and why additional UM/UIM coverage makes sense for a lot of drivers out there.

About Uninsured and Underinsured Motorist Coverage

 If you’ve never paid close attention to what’s in your auto insurance policy, you might not understand what uninsured motorist coverage and underinsured motorist coverage do. While closely related, these are actually two separate types of insurance coverage that work a little differently when it comes time to file a claim.

  • Uninsured motorists (UM) coverage provides insurance coverage when an uninsured, at-fault driver injures you or someone else who is covered under your policy. This includes coverage for a hit-and-run accident so long as there was contact with the hit-and-run car. UM insurance also provides coverage for property damage. In a hit-and-run wreck, however, the other driver must be identified in order to claim UM property damage coverage.
  • Underinsured motorists (UIM) coverage covers you when an underinsured, at-fault driver injures you or someone else who is covered under your policy. UIM coverage does not provide protection against property damage.

Wondering what an “underinsured driver” means, exactly? For insurance purposes, an underinsured driver is one whose liability limits (1) are less than your UIM coverage limits and (2) won’t cover the monetary losses incurred by the people the underinsured driver injures in an at-fault accident. If you’re hit by such a driver, your UIM coverage will pay a maximum of the difference between the other driver’s liability limits and the limits of your UIM coverage.

Most responsible drivers never think much about what they’ll do if they get hit by a driver who’s not carrying insurance or who’s carrying a minimal policy that won’t cover the resulting damages. That’s because they tend to assume (wrongly, unfortunately) that the vast majority of people on the road are reasonable and law-abiding motorists, just like them.

The facts, though, paint a less rosy picture: according to the most recent (2012) data from the Insurance Information Institute, 12.6 percent of U.S. drivers — or about one in eight — are uninsured at any given time.

RELATED: Car Accident or Crash? Why What You Call It Matters

Fortunately, 2009 legislation made UM coverage mandatory for North Carolina drivers at a minimum level of $30,000 per person and $60,000 per accident (with a $25,000 minimum for property damage for UM coverage), and combined UM/UIM coverage (equal to the liability limits) mandatory for policies with higher liability limits. But will these limits provide adequate coverage if you get in a serious accident?

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Is the Minimum UIM Coverage Enough?

First, it’s important to understand how UM/UIM coverage works. As explained above, UIM coverage pays the difference between your UIM limits and the other driver’s liability limits. However, if you have a state-minimum $30,000 policy, then a $30,000 UIM policy would serve no purpose — because any other driver who has a valid insurance policy must also at least have the state-minimum $30,000 in liability coverage. This is why the state doesn’t mandate UIM coverage for drivers with the minimum liability limits, and why UIM coverage is only available at limits of $50,000 or more.

UIM coverage does become mandatory, however, when drivers select a policy with higher liability limits. If you purchase a policy with a $50,000 per person and $100,000 per accident liability limits, for example, then North Carolina mandates that your policy include UM/UIM coverage with a $50,000/$100,000 limit as well. In this case, your UIM coverage would apply if you were hit by a driver who only carries the minimum $30,000 in liability limits, and would cover the difference between the limits of the two policies — $20,000 per person and $40,000 per accident.

Although total coverage of $50,000 per person and $100,000 per accident may sound like a lot of money, we can tell you from experience that costs add up very quickly in the event of a serious crash with an uninsured or underinsured driver. Between medical expenses, pain and suffering, and lost wages, $50,000 may not go a long way, especially if you’ve suffered a severe injury that requires complex treatment or extensive therapy. In this scenario, you could easily find yourself still facing tens of thousands of dollars in bills after exhausting your state-mandated UM/UIM coverage.

We’re not the only ones who’ve come to this conclusion, either. According to Edmunds.com, auto insurance experts generally recommend that drivers purchase insurance coverage that allows for bodily injury liability limits of $100,000 per person and $300,000 per accident in order to protect their assets against lawsuits.

Since those recommendations are intended to protect at-fault drivers, you can see how they relate to UM/UIM claims: If experts believe the at-fault person in a serious crash could easily end up creating liability of $100,000 per person or $300,000 per accident, and your UM/UIM coverage provides $50,000 per person and $100,000 per accident in protection, that’s a massive gap between your coverage and the costs and the monetary losses you could be left with when the at-fault person’s policy won’t pay any more (or doesn’t exist in the first place). Not only that, but the total gap in coverage for you and others you care about could be several times that amount.

UM/UIM Coverage: Peace of Mind, at an Affordable Cost

As you can see, the modest extra cost of purchasing additional UM/UIM coverage beyond the state minimums can quickly turn into the kind of investment that preserves your financial stability if you get into a serious crash with an uninsured or underinsured motorist and find yourself depending on this coverage for help.

Fortunately, UM/UIM coverage tends to come at very affordable premiums — much less than you’d pay for standard bodily injury and property damage coverage. According to a 2016 roundup of insurance quotes from ValuePenguin, purchasing additional UM/UIM coverage of $100,000 per person and $300,000 per accident usually costs between $86 and $134 a year, depending on your insurer.

In general, we recommend that drivers seriously consider the benefits of additional UM/UIM coverage. While no one wants to believe they’ll be injured in an auto wreck, the reality is that bad things do happen to good drivers when other people’s negligence enters the equation. If you someday find yourself the victim of someone else’s recklessness, opting to purchase additional coverage now might turn out to be one of the best decisions you’ve ever made.

Contact Myers Law Firm If You've Been Injured

If you or someone you love has been injured in a car accident or other motor vehicle crash, you may be entitled to compensation, and the attorneys at Myers Law Firm are here to help. As a father-and-son legal team with 50 years of combined experience in the Mecklenburg County area, we know the local courts here in Charlotte.

When you choose us to represent you, we won’t hesitate to take your case to trial and defend your rights aggressively in court if necessary. We also provide free initial consultations, and we work on a contingent-fee basis for personal injury cases, which means you won’t pay any attorney’s fees unless we make a financial recovery on your behalf.

To schedule your no-risk initial consultation, please call our Charlotte office toll-free at 1-888-376-ATTY (2889) or fill out and submit our online contact form. We’ll follow up and get in touch with you as soon as possible.

References

North Carolina Department of Insurance. (n.d.). A Consumer’s Guide to Auto Insurance. Retrieved from (http://www.ncdoi.com/_Publications/Consumer%20Guide%20to%20Automobile%20Insurance_CAU1.pdf

Uninsured and underinsured motorist coverage car insurance. (2016). ValuePenguin. Retrieved from https://www.valuepenguin.com/uninsured-underinsured-motorist-coverage-car-insurance#limits-premiums

Uninsured motorists. (2016, September). Insurance Information Institute. Retrieved from http://www.iii.org/fact-statistic/uninsured-motorists

The content provided here is for informational purposes only and should not be construed as legal advice on any subject.

Contact Myers Law Firm

We are committed to continuing to serve our clients’ legal needs

Single Divider

We are able to meet with clients and hold consultations with prospective clients via telephone or video conference. If you need to contact us, please do not hesitate; we are happy to speak with you about your situation, your needs, and how we can help.

Schedule Your Consultation Now!

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Motor Vehicle Accident Involving a Pedestrian

Even though walking provides a stimulating and healthy way to take in the natural beauty and night life here in Charlotte, it doesn’t come without a degree of risk: our city experiences a motor vehicle accident involving a pedestrian more than once a day on average, according to figures released in a report last month by the National Highway Traffic Safety Administration (NHTSA).

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Leading Cause of Death

According to the National Safety Council (NSC), injuries are the leading cause of death for Americans ages 1 to 44 and the leading cause of disability for Americans of all age groups. In 2010 alone, an estimated 126,000 people died from accidental injuries. Many of those disabilities and deaths are preventable, which is reason enough to take a few extra safety precautions each day in order to avoid a life-altering injury.

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After an Injury: 3 Steps to Help Your Personal Injury Claim

Personal Injury Claim

The days and weeks after you first sustain a personal injury can be confusing and stressful: In addition to needing medical treatment for your injuries, you may be wondering what to do next and what your legal options are if you were injured due to someone else’s negligent behavior.

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“Billed vs. Paid” Is Still Bad News for Injury Victims in North Carolina

"Tort Reform" in Action

Although “tort reform” is a popular political talking point for many public officials — especially during an election year such as this one — few people really understand what proposed tort reform measures mean for actual personal injury victims when put into practice. One particular law that passed several years ago in North Carolina continues to exemplify how so-called “tort reform” measures can deny justice to injury victims.

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Brief Overview of the Interplay of Workers’ Compensation Claims and Third-Party Claims

Workers' Compensation Act

Chapter 97 of the North Carolina General Statutes is the Workers’ Compensation Act.  This law controls all aspects of workers’ compensation claims.  When an employee is entitled to workers’ compensation benefits for an on-the-job injury and the injury was caused by a third-party, the injured employee may have a claim against the third-party in addition to a workers’ compensation claim.  The “third party” is a person who is not associated with the employee’s job.  One of the most common on-the-job injuries that are caused by a third party occurs when the employee is injured by someone else’s negligent driving.  This is a brief overview of the laws governing the interplay of third-party claims when there is a workers’ compensation claim.

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Diminution in Value Claim

When a negligent driver causes a motor vehicle collision by wrecking another car, the innocent victims suffer many losses. One of these losses is a loss suffered by the owner of the vehicle: the loss in the value of the automobile. This claim is called a diminution in value claim and North Carolina law allows for compensation for the loss. For newer cars especially, these claims can be important. The negligent driver’s insurance company is not going to remind the owner/victim about this claim, so it must be brought to their attention.

 

What is the Claim?

The purpose of the claim is to replace what the car owner has lost. Under North Carolina law, the measure of damages in a diminution in value claim is the difference between the fair market value of the car immediately before the collision and the fair market value of the car immediately after the collision. The fair market value is determined by what a willing buyer would pay a willing seller.

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Why is This Necessary?

The rationale for the claim is that if there were two vehicles that were exactly the same in all respects (make, model, year, mileage, etc.), and one of the vehicles had been involved in a collision and repaired and the other had not, then a willing buyer is going to pay more for the car that has not been involved in the collision. Furthermore, under North Carolina law, if a car has been involved in a collision and repaired, and the cost of the repairs exceeds 25% of the fair market value at the time of the collision, then the owner must disclose the damage to a potential buyer or be subject to criminal penalties. This law only applies to cars that are five model years or less old. In addition to this criminal penalty, in my opinion if a seller of a car is asked by the potential buyer about prior damage and the seller commits fraud, then there could be civil penalties as well.

How is Fair Market Value Determined?

The fair market value should be determined by comparing the value of similar vehicles in the area with the current vehicle. This can be done through estimate websites (kbb.com or nada.com) or by talking with car dealerships about what value they would put on a car like the damaged car (without the damage of course) and the value they would put on the car with the damage. Sometimes, however, it will be necessary to employ an expert to do the comparisons and provide an opinion.

Under North Carolina law (N.C.G.S. 20-279.21(d1)), there is a designated procedure for an owner and an insurance company to request an arbitration-like procedure before going all the way to a trial. Under this procedure, the insurance company and the owner each hire an expert appraiser to determine the diminution in value suffered by the owner. These two experts get together and try to agree with each other. (This rarely happens because of the low value given to the claim by the insurance company expert due to the insurance company experts wanting to keep working for the insurance companies.) If they cannot agree, then the two experts appoint an umpire. The umpire reviews the basis for the opinions found by the two experts and either picks one or determines a value in between the two. The umpire cannot go above or below the two appraiser values. If either party is not happy with this procedure, they can then proceed to trial by notifying the other within 15 days.

 

Conclusion

When a negligent driver causes a collision, it is important that the innocent victims receive full compensation for all of the losses that are suffered. The diminution in value claim is often overlooked, but could be important to the owner of a vehicle. Insurance companies often give very low values for these claims, so it is important to be aware of the ability to hire an expert and to use the arbitration procedure allowed by North Carolina law before proceeding to trial.

References

Definitions, Article 1, Chapter 50, N.C. General Statutes. § 50-16.1A. (2015). Retrieved from http://www.ncleg.net/EnactedLegislation/Statutes/PDF/BySection/Chapter_50/GS_50-16.1A.pdf

The content provided here is for informational purposes only and should not be construed as legal advice on any subject.

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What Personal Injury Victims Need to Know About Medicaid Liens

Medicaid Leins

A few weeks ago I posted about Medicare Liens and what people who suffer an injury  as the result of someone else’s negligence need to be on the lookout for if they have Medicare. Similar to Medicare, if a person has Medicaid and suffers an injury, Medicaid may be entitled to a lien on any proceeds received by the person. This lien extends to payments for medical expenses that Medicaid has made on behalf of the person for medical services related to the injury.

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What Personal Injury Victims Need to Know About Medicare Liens

Medicare

When a person suffers a personal injury, such as a car accident, that was caused by the negligence of someone else, the injured person may be entitled to collect monetary compensation for medical bills, lost wages, pain and suffering, or other losses. Settling an injury claim has never been more difficult. Over the past several years, various entities have begun claiming liens or rights of reimbursement on injury settlements or recoveries. These entities will not do anything to assist in the recovery of the funds. Instead, they want the injured person or his/her attorney to do all the work and then pay them back in the end. These various entities can include Medicare, Medicaid, or even the person’s health insurance company. Over the next few weeks, we will look at these different entities and why it is important to be aware of them when settling or receiving compensation for a personal injury claim.

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Personal Injury Proceeds are Not Taxable

Taxable

I recently had a conversation with some colleagues about whether lost wages that are collected in a personal injury case are taxable as income. The answer is that they are not taxable and are excluded from a person’s gross income. The IRS excludes from gross income all funds received as compensatory damages when a person has suffered a personal injury or sickness. The IRS has had a long-standing policy that such damages should not be taxed.

Compensatory damages include all damages for medical expenses, pain and suffering, and lost wages. It is important to note that the compensatory damages must be received as a result of personal injury or sickness. However, the personal injury need not be suffered by the person collecting the damages, if the damages are related. This applies when a person asserts a claim for loss of consortium. A claim for loss of consortium is a claim that the spouse of an injured person has if the non-injured spouse society, affection and companionship of the injured spouse.

The main issue in the conversation with my colleagues was whether damages received for lost wages were taxable. As stated above, they are not. I agree that lost wages should not be taxable in this context for several reasons. First, when a person settles a personal injury claim, as opposed to going to court for a trial, the settlement rarely, if ever, outlines what each dollar of the settlement is for. Second, if the case went before a jury, there would need to be expert testimony about how the lost wages would be taxed. This would require calling unnecessary witnesses and spending unnecessary court time. Third, it would require too much supervision by the IRS of settlements and lawsuits across the country.

The compensatory damages excluded from taxable income cannot be related to damages received for claims other than personal injury or sickness, such as a claim for breach of contract. Also, punitive damages are not compensatory damages and are not excluded from gross income by the IRS.

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The content provided here is for informational purposes only and should not be construed as legal advice on any subject.

Contact Myers Law Firm

We are committed to continuing to serve our clients’ legal needs

Single Divider

We are able to meet with clients and hold consultations with prospective clients via telephone or video conference. If you need to contact us, please do not hesitate; we are happy to speak with you about your situation, your needs, and how we can help.

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