Injured in an Accident? A Durham Car Accident Lawyer Can Fight For Your Rights
Car accidents are probably the most common type of case that personal injury lawyers handle. However, that doesn’t mean that they are easy. Car accident cases are often much more complex than many people realize. Working with a local attorney who knows the Durham court system and judges can give you a significant advantage. If you’ve been injured in a car accident, a Durham car accident lawyer at Martin & Jones can protect your rights and help you get back on your feet.
Negligence in Auto Accident Cases
First, it is important to recognize that every driver has a legal duty to drive safely and make a reasonable effort to prevent accidents. Often the other driver likely did not intend to cause an accident and injure you. Instead, their carelessness is what caused the accident – they failed to make a sufficient effort to avoid causing an accident. In legal terms, this is referred to as negligence.
Proving that the other driver was negligent is often more complicated than people expect. You need to not only understand how the law will apply to your case but also which facts may be relevant to proving your claim. A single, seemingly insignificant fact can determine whether or not you have a valid claim. An experienced Durham car accident lawyer will identify the relevant facts in your case and tell you whether you have a claim for negligence.
Our Durham Car Accident Attorney Outlines Negligent Driving
Almost all car accidents are the result of negligence. In many cases, they take the form of a mistake made by the driver, while in others it may be due to disregarding various traffic laws. Many car accidents are caused when drivers are negligent in the following ways:
- Distracted driving
- Driving while drowsy
- Driving while intoxicated
- Running red lights and stop signs
- Failure to pay full time and attention
- Unsafe lane changes
Unfortunately, it can sometimes be difficult to identify the cause of a car accident because they happen so quickly. A Durham car accident attorney can reconstruct what happened to identify who may be at fault.
Catastrophic Injuries After a Durham Car Accident
Because of the significant forces involved, car accidents can result in serious injuries and even death. The following injuries are unfortunately common in many car accident cases handled by our Durham car accident lawyer team:
- Deep lacerations
- Concussions and traumatic brain injuries
- Spinal cord injuries, paralysis
- Whiplash and neck injuries
- Broken bones, torn ligaments and tendons
- Scars and disfigurement
In addition to the potential physical injuries, many accident victims also experience considerable psychological trauma – post-traumatic stress disorder (PTSD), depression, and severe anxiety are common issues for many people who have been in a serious car accident.
Pursue Medical Attention and Be Aware of Delayed Symptoms
Many injuries do not manifest themselves right away. Even if you felt fine immediately after the accident, it’s important to listen to your body. If you begin experiencing any of the following symptoms, you should get a thorough medical examination as soon as possible:
- Persistent headaches
- Clouded thinking
- Blurred vision
- Abdominal pain or swelling
- Loss of feeling in your extremities, tingling or numbness
- Back pain
- Loss of motion
These symptoms typically indicate that you have suffered a soft tissue injury, a head injury, or organ damage. If left untreated, these injuries could become worse or result in life-long disabilities. Furthermore, you can still pursue a claim if your medical records clearly document that your injuries were caused by your car accident. A Durham car accident attorney can review your records to make sure that they clearly identify the cause of your injury before submitting them to the insurance company.
Potential Legal Issues You May Face After a Car Crash in Durham
Even if you are certain about what happened in your case, it is important to remember that you must be able to prove what happened. This may be relatively straightforward in some cases, while others can be very complicated. It isn’t always easy to know at the outset whether your case will be easy to prove. Here are some of the potential legal issues that you may face in pursuing your claim:
- Allegations of contributory negligence. Under North Carolina law, you are completely barred from receiving any compensation if you were in any way partially at fault in causing the accident. As a result, it is a common defense for at-fault drivers to claim that your own negligence contributed to causing the accident.
- Third-party liability. In some cases, you may need to pursue some party other than the other driver. For example, if you are in an accident involving a commercial driver, you may need to pursue the driver’s employer. If your accident was caused by a defective vehicle, you may need to pursue the vehicle’s manufacturer.
- Multi-vehicle accidents. These cases can be challenging because there may be more than one party at fault, differing accounts of what happened, and overlapping responsibility for the accident.
- Underinsured and uninsured drivers. Cases where the at-fault driver doesn’t have insurance or does not have sufficient coverage to pay your entire claim present unique challenges. You may have coverage under your own policy, or you may have to pursue the other driver personally.
- Hit-and-run accidents. Hit-and-run accidents are unfortunately common for cyclists, pedestrians, and motorcyclists, but are common in motor vehicle accidents as well. Your options for recovery may be limited, but you may still be able to pursue a claim.
Our Durham car accident lawyers can help you overcome the complexities of these legal issues so that you can get the compensation you need.
Documenting Your Claim with a Durham Car Accident Lawyer
For non-lawyers, one of the biggest challenges is collecting the evidence you need to support your claim. It’s important to understand that you have to prove every element of your case, even if it may seem obvious. A Durham car accident lawyer can help you collect the following:
- Pertinent medicals bills
- Your medical records documenting your injury, its cause, your prognosis, and the recommended treatment
- Copies of any accident reports
- Written or recorded statements from witnesses
- Photographs of the scene of the accident, damage to your vehicle, and your injuries
It can be overwhelming to collect and organize all of this documentation when you are trying to focus on getting better. Your lawyer can take the lead on this task to make sure you have the information you need when it comes time to submit your claim.
A Durham Car Accident Lawyer Can Help Determine the Potential Value of Your Claim
You may be surprised at how quickly the insurance company wants to settle your claim. Unfortunately, many people accept a settlement offer without knowing the full extent of their injuries or what the accident will ultimately cost. If you’ve been seriously injured, you may be unable to work and pay your bills. Even if you have health insurance, not all of your losses will be covered. Depending on the circumstances surrounding your case, you may be able to include the following losses in your claim:
- Unpaid medical expenses, including copays and deductibles
- Lost income
- Pain and suffering
An experienced Durham car accident lawyer will be able to review your case and provide an estimate of what your claim may be worth.
10 Most Common Car Accident Questions Answered
Having handled auto accident cases for nearly 40 years, we have helped our clients get answers when they need them most. If you’ve been injured in a car accident and want to understand your options, a Durham auto accident attorney at Martin & Jones can walk you through the process.
Whose insurance company will pay for my damages?
Generally speaking, in North Carolina the at-fault party is responsible for paying the other party’s losses. However, many claims do not stop once the at-fault party’s insurer has paid their limits.
You may also have the option of filing a claim under your own insurance if you have what is known as “underinsured motorist” coverage. This means that you can insure yourself under your own policy if the at-fault driver has inadequate insurance to cover your losses. Your insurance company would then “step into the shoes” of the at-fault driver’s insurer and provide additional benefits to you.. A Durham accident attorney can explain the advantages and disadvantages of each course of action so that you fully understand these options.
Can a Durham car accident lawyer help me verify that the other driver has insurance coverage?
You should exchange insurance information with the other driver immediately following the accident. Many people carry an insurance card in their wallet or glovebox – the easiest thing to do is snap a photo of the card with your phone. Ensure that the policyholder’s name, the policy number, and the insurance company’s name are clearly visible in the photo. You also want to make sure the police are called to the scene and complete a thorough review and report of the incident.
If the driver doesn’t have an insurance card, you want to make sure you get the policyholder’s name – the driver may not be the same person that purchased the insurance. They probably won’t know the policy number, but you can at least get the insurance company’s name. At some point, either you or your insurance company can then use the information you have collected to contact the other driver’s insurance company to verify coverage and determine what type of coverage is available. A Durham auto accident attorney can help you through this process.
Am I obligated to speak with the other driver’s insurance company?
In the days following your accident, it can feel like you are getting bombarded with phone calls. Note that while you are under a contractual obligation to speak with your own insurance company, you are under no such obligation to talk with the other driver’s insurance company. Because North Carolina is a contributory negligence state, we strongly recommend against speaking with the other insurance company – anything that you say may be used as evidence of your own negligence and as a basis to therefore deny your claim.
What should I do about the damage to my vehicle?
While insurance companies can be difficult when it comes to compensating you for your injuries, they are much easier to deal with when it comes to getting your vehicle repaired. You should report any damage to your vehicle to your insurance company right away.
The first step in the process is that your insurance company will send out an adjuster to inspect your vehicle’s damage. The adjuster will go to wherever your vehicle is located and determine whether your car can be repaired and approximately how much it will cost. If your vehicle can be repaired, your insurance company will likely require that you have the repairs done by a shop they have already approved.
If the cost of repairs exceeds the vehicle’s value, the adjuster will declare that the car is “totaled,” and the insurance company will pay you for the value of the vehicle before the accident.
What about my deductible?
The at-fault driver’s insurance should cover the cost of your deductible. If they don’t have insurance, you will likely have to pay the deductible out of your own pocket.
Will my insurance rates go up if I file a claim?
Unfortunately, your insurance premiums will likely increase regardless of whether you file a claim, even if the accident was the other driver’s fault. If they don’t have insurance, you will have to pay your deductible out of your own pocket.
Will my insurance pay for a rental car?
The answer to this question depends on whether you purchased rental car coverage as part of your auto insurance policy. If you didn’t, you may be able to recover the cost of a rental car if you pursue a claim against the other driver.
Should I see a doctor or wait to see if my injury goes away? Our Durham accident lawyer says, ”Yes.”
It’s not unusual for people in a car accident to feel fine immediately afterward. However, they begin experiencing symptoms in the days or weeks following the accident – stiffness, reduced range of motion, dull aches, or even sharp pains. Because they felt okay immediately after the accident, many people think their injuries aren’t that serious, and they will heal over time. Unfortunately, this isn’t always the case. Back, neck, and joint injuries can get worse over time or lead to other degenerative conditions. The best thing to do is get a thorough medical exam following your car accident to ensure any injuries are properly diagnosed and treated.
Should I hire a Durham auto accident attorney to pursue a claim for my injuries?
Pursuing a personal injury claim may be the only way that you can recover your losses. While health insurance will cover your medical bills (if you have it), copays and deductibles can add up. Also, health insurance won’t pay for your lost income or pain and suffering. You should at least talk to a Durham auto accident attorney before making a decision – they can help you understand your options.
Can I settle my claim without going through insurance?
Some people choose to settle their claims without involving their insurance companies. While it might seem like less of a hassle and you may be able to get your claim resolved more quickly, it is not recommended in serious cases.
Handling your claim without insurance carries certain risks. If you have been injured, it’s unlikely that the other party has the financial resources to cover your medical bills and any other losses that arise from the accident. Your own insurance company may also decline coverage if they think you failed to report the incident promptly, which most insurers require if you have been involved in a wreck.
What You Can Do to Protect Your Accident Claim
The days immediately following your accident are critical to the success of your claim. While the situation may seem chaotic, there are a few things that you can do to gain control:
- Understand what insurance coverage you have available. Knowing what insurance coverage you have and what losses it will and will not cover can help you understand your options.
- Understand the value of your claim. Your claim is worth more than your medical expenses. You are entitled to other economic losses such as your lost wages and damage to your vehicle. You are also entitled to non-economic damages such as compensation for your pain and suffering. A Durham car accident attorney can provide you with an estimate of what your claim may be worth.
- Follow your doctor’s orders. Many people undermine their claim by failing to follow their prescribed course of treatment. They refuse to remain on bed rest, return to work too soon, or don’t go to physical therapy or follow-up appointments.
- Do not give any recorded statements. The insurance company or the other party may ask you for a recorded statement about what happened or the extent of your injuries. This is almost always an attempt to undermine whatever claim you may have. Never provide a recorded statement without first speaking to an accident attorney.
Speak with a Durham Car Accident Lawyer Immediately After Your Accident
In North Carolina, there is a three-year statute of limitations for car accident cases. This means that you must file a lawsuit within three years of the date of your accident or you will lose all of your rights. Even if you don’t plan to file a lawsuit, this deadline is important – the longer you wait to pursue a claim, the harder it will be to prove your case. In addition, insurance companies have no legal obligation to pay your claim once the statute of limitations has expired. As a result, you should speak with a Durham car accident lawyer even if you haven’t yet decided what to do.
Schedule a Free Consultation with a Durham Car Accident Lawyer
If you’ve been injured in a car accident, time is not on your side. Founded in 1982, we are a firm built on experience and dedicated to helping injured North Carolinians in Durham. Let us help you get your life back – call us at 1-800-662-1234 or contact us online to schedule a free consultation.