Filing an Insurance Claim for Personal Injuries Sustained in a Car Accident

If you have been injured in a Charlotte car accident, you are probably wondering about how you will recover compensation. As your medical bills continue to pile up and you have to take time off work, you are likely facing intense financial pressure. Most car accident victims pursue claims through the at-fault driver's car insurance policy. Under North Carolina law, the at-fault driver's insurance company must pay bodily injury claims.

Unfortunately, even if you are an innocent victim who became injured in a car accident, obtaining the compensation you deserve can be challenging. Insurance companies are for-profit businesses that frequently try to offer victims settlements that are far too low. Consulting with and following the guidance of an experienced Charlotte car accident lawyer can help you recover the compensation you deserve.

The car accident injury lawyers at Arnold & Smith, PLLC, have helped many Charlotte area clients recover compensation in car accident claims. We have an in-depth knowledge of North Carolina's personal injury laws and experience with how insurance companies operate. We are familiar with the tactics they use to avoid paying a fair amount of compensation to car accident victims.

We work hard to advocate for our clients to obtain all of the economic and non-economic damages they deserve. We also work on a contingency fee basis. That means we do not charge our clients any fees until we have resolved their car accident cases successfully. Insurance companies frequently begin calling car accident victims immediately after the accident. They are hoping that they can obtain a recorded statement from the victim that may contain facts or statements that can be open to interpretation and use it against them. After the shock of the accident, the victim may unintentionally admit to fault or other incorrect details.

When you work with our legal team, we will take control of your claim immediately. We will negotiate with the insurance company so you can focus on your recovery. Our lawyers know how to hold insurance companies accountable. When insurance companies refuse to pay a fair amount of compensation or act in bad faith, we will take them to court on behalf of our clients.

One of the first steps in obtaining compensation from an insurance company after a car accident is valuing your claim. Our legal team will help you gather all of your expenses to determine your past and future costs associated with the car accident. We will present information to the insurance claims adjuster to accurately and quickly evaluate your car accident claim. We will help you provide the at-fault driver's insurance company with all necessary information. Which may include:

• An itemized list of all of your medical bills
• Complete medical records from the hospital, your doctor, and your specialists
• Narrative reports from the doctors who treated you that address the necessity of medical treatment, medical expenses, and permanency of your injury
• Verification of your lost wages from your employer
• Expert reports related to the driver's negligence and your property damage
• Statements from witnesses to the car accident
• Tax returns that prove your wage loss claim
• Photos of your bodily injuries and property damage

One of the first questions our new clients ask us is how much their insurance claim is worth. Every case is different, and the settlement value depends on the unique facts of the case. After we evaluate your case, we can help you estimate what your settlement is worth. Keep in mind that insurance companies often offer a lowball amount for the initial settlement offer.

If you only have minor injuries, your claim might be worth $5,000. However, if you have severe, life-altering injuries, such as paralysis or a traumatic brain injury, your claim could be worth millions of dollars. If you have been severely injured, we will work with experts who will provide us with expert opinions about your future medical and care expenses.

Have you or a loved one been injured in a serious Charlotte car accident? If so, the best step you can take to secure your financial future is to contact a personal injury lawyer who will evaluate your claim and help you fight for the compensation you deserve. Contact Arnold & Smith, PLLC, today at 704-370-2828 to schedule your free initial consultation.