Car accidents often change your life forever, as they can lead to severe and disabling injuries. Although practicing proper safety while driving reduces the risk that you will experience a car accident, you cannot control the actions of other motorists. Some causes of car accidents include:
- Distracted driving
- Aggressive driving
- Failing to yield
- Improper lane changes
- Failing to brake
- Running a traffic light or stop sign
Car accidents can also be caused by poor weather and vehicle defects. Accidents can lead to permanent injuries, such as:
- Torn ligaments and tendons
- Broken and fractured bones
- Cognitive impairments
- Spinal cord injuries
- Disfigurement and scarring
- Organ damage
The initial shock following an accident can be overwhelming, which may cause you to believe your injuries are less severe than they really are. Shock can also temporarily relieve or distract you from pain. That is why it is very important to seek medical treatment following an accident.
Head injuries are another result of car accidents, many of which can lead to chronic problems. A traumatic brain injury can impact your cognition and cause migraine headaches, and even a minor concussion can lead to swelling and serious long-lasting problems.
When you have a wreck in North Carolina, you have a right to pursue civil damages against the other at-fault driver. A Forest City personal injury lawyer can:
- File a personal injury claim against the other at-fault driver
- Negotiate a settlement with liability insurance
- Locate and pursue other possible sources of coverage
- Collect evidence and subpoena witnesses
- Pursue economic and non-economic damages
- Represent you during hearings and depositions
- Argue your case in front of a jury
- Work with medical providers to help achieve solutions for getting your wreck-related bills paid
- Navigate Medicaid, Medicare, and other health insurance issues regarding wreck-related treatment
N.C.G.S. § 1-52 requires that you file a personal injury lawsuit related to a car accident within three years. Otherwise, you may be unable to collect damages at all. Car accident cases can be complex, because the other driver and their insurance policy can both be liable. In some situations, you may have to recover economic losses from your own auto insurance policy, making it important to discuss your case with a Forest City personal injury lawyer.
If you were injured in a car accident, call Farmer & Morris Law today at (828) 286-3866 for a free consultation.
Determining Liability for Your Forest City Car Accident
When you sustain injuries in a car accident, you may be entitled to compensation from:
- The other driver
- The other driver’s insurance company
- The owner of the vehicle the other driver was driving
- The other vehicle owner’s insurance company
- The driver’s employer (if the accident occurred while the driver was working)
- A vehicle manufacturer (if the accident was caused by a defect)
- Your own automobile insurance coverage, in certain cases
North Carolina is an at-fault insurance state, meaning the at-fault driver is liable for damages caused by the accident. The at-fault driver’s insurance policy is the primary payor. You may be entitled to collect economic damages from the other driver’s policy up to as much as the amount of their policy limits, depending on the extent of your suffering and injuries.
The Consumer’s Guide to Automobile Insurance published by the North Carolina Department of Insurance states that all drivers are required to maintain automobile insurance that covers at least:
- $25,000 in property damage
- $30,000 in bodily injury for one person
- $60,000 in total bodily injury coverage for all persons hurt in an accident
If the other driver was working while the accident occurred—such as a rideshare, delivery driver, or truck driver for a company—a Forest City personal injury lawyer may also be able to recover damages against the driver’s employer.
Insurance companies determine who the at-fault driver is, through reviewing the accident report and other evidence. Insurance companies may disagree with which driver is at fault. Thus, a Forest City personal injury lawyer may be very valuable to provide the necessary evidence and arguments to prove liability and thus help you be able to recover the damages you are legally entitled to.
North Carolina is a contributory negligence state, which means that you cannot seek damages if you are even 1% responsible for the accident. Thus, it is important in many cases to have a personal injury lawyer to assist you in proving the fault of the other party. If your economic losses exceed what is covered under auto insurance policies, you can often recover those costs directly from the driver through filing a personal injury lawsuit or through your own underinsured auto insurance policy.
Call Farmer & Morris Law, PLLC today at (828) 286-3866 to schedule a free consultation to discuss your rights following a car accident.
A Lawyer Can Help You Pursue Damages
If you can prove the other driver is at-fault for the accident, you may be able to pursue three types of damages: economic, non-economic, and punitive. Actual economic damages are based on the costs you incurred as a result of your accident. Economic damages can include:
- Vehicle replacement and repair costs
- Transportation costs to and from medical appointments
- Ambulance bills
- Medical bills
- Prescription medications bills
- Lost wages
- Filing and attorney fees
Economic damages are generally uncapped in North Carolina, making it important to keep records of all bills you paid because of the accident. Missing time from work can allow a Forest City personal injury lawyer to help collect your lost wages.
You May Be Eligible to Collect Non-Economic Damages
When you suffer severe injuries, you can often experience life-long physical and emotional pain. Non-economic damages are utilized to compensate you for losses such as:
- Physical pain and limitations
- Depression, trauma, and anxiety
- Decreased quality of life
- Loss of enjoyment
- Loss of affection
- Mental anguish
Chronic injuries can impact your personal and professional life. Often, car wreck injuries can cause you to be unable to perform basic functions of life or need assistance to perform tasks you once performed independently. Pain and limitations can make your life completely different than what it was before! Further, if an injury prevents you from working or limits the type of work you can do, you can experience a diminished quality of life and future lost income. Also, an inability to provide for your spouse or children can cause emotional pain and make it difficult to enjoy the benefits of your marriage and your family. Losing a limb or suffering from a mobility impairment limits your quality of life, as it can result in you no longer being able to engage in activities you enjoyed before the accident.
Juries can consider factors such as your age, the severity of your injuries, and how your injuries impact your daily life when awarding non-economic damages. Non-economic damages are generally uncapped in personal injury claims involving car accidents in North Carolina.
Call Farmer & Morris Law, PLLC today for more Information!
When you are hurt in a car accident, injuries may result in mounting medical bills, pain, significant mental trauma, and even disability. You can further understand your rights and eligibility to recover compensation following a car accident by consulting with a Forest City personal injury lawyer. Each client is very important to us. We look forward to helping you review the details of your case and fighting hard to pursue damages that you are legally entitled to recover.
To discuss your car accident case, call Farmer & Morris Law, PLLC today at (828) 286-3866 to schedule a free consultation.