If you received personal injuries from a car accident, making a claim against an insurance company can be frustrating. The personal injury lawyers at Miller Law Group have over 50 years of combined experience fighting insurance companies on behalf of car accidents victims.
Insurance companies are notoriously difficult to deal with. They may seem concerned about your injuries, but insurance companies do not act in your best interest.
Here are 5 things to know about insurance companies in car accident claims:
- Do not let an insurance company pressure you to resolve your claim quickly. In North Carolina, you have 3 years from the date of the accident to settle or file a lawsuit to protect your claim.
- If the defendant has no insurance or insufficient insurance to cover the value of your claim, you may make a UM/UIM claim and recover from your own insurance policy. Under-insured Motorist (UIM) or Uninsured Motorist (UM) claims on your own policy do NOT cause your premiums to increase.
- You do not have to give a recorded statement. If fact, Miller Law Group advises their clients not to give a recorded statement.
- If you recover monetary damages in your personal injury case, sometimes you have to reimburse your healthcare insurance plan. The law states that all federal and state health insurance plans must be reimbursed if you collect monetary damages form a defendant. Employer health plans governed by the ERISA statute must also be reimbursed.
- You do not have to provide a HIPPA release to the insurance company to collect your medical records. Get the relevant records yourself and submit them to the insurance company. Giving an insurance company a HIPPA release is like handing a stranger a blank check.
For a free consultation contact us, or call 919-348-4361.