- Health insurance — Once your deductible is met, your health insurance should cover the bulk of your costs. But if someone else caused the accident and was 100 percent at fault, their auto insurance should cover at least some of your medical costs.
- Uninsured/underinsured motorist coverage — North Carolina law requires drivers whose policies meet minimum bodily injury and property damage limits to carry uninsured motorist coverage. Drivers whose policy limits exceed the minimum must carry combined uninsured (UM)/underinsured (UIM) coverage. If you’re in an accident and the other driver has no insurance or less coverage than your medical expenses, your UIM policy may apply and offer you protection.
- Litigation — In the event that health and auto insurance payouts are exhausted and you still have medical costs to cover, you may want to seek damages by filing a lawsuit against the driver responsible for the accident. A lawyer whose area of practice includes personal injury claims arising from auto accidents can advise you about how much you may expect to receive and the best way to proceed down a legal route.
Whether you pursue a claim against another driver’s insurance or against the defendant in a North Carolina court of law, we can help. The Lanier Law Group, P.A. has years of experience in personal injury claims for auto accidents in North Carolina and offers full-service support and robust legal advocacy. Call us toll free at 919-342-1368 or contact us today for a free consultation about your case.
