What all you need to know about your car insurance claim

What all you need to know about your car insurance claim

Each state is governed by its own set of legalities for car insurance. Whether you’re driving in your home state or out of state, you must possess an automobile insurance policy that complies with the norms established by the state in which your vehicle is listed. The law mandates that every registered vehicle should possess continual liability insurance coverage given by an institution authorized to do business in the state.

What is liability insurance?

It implies reimbursement for medical expenses, vehicle destruction, and other costs for anyone wounded in an accident by your fault. You must have your insurance policy with more coverage than the compulsory minimums. If the collision costs go beyond the sum of your policy, you’d be  personally liable to compensate for the pending expenditure. Minimum liability insurance coverage sums:

  • $30,000 for bodily injury (one person)
  • $60,000 for bodily injury (2 or more people)
  • $25,000 property damage

You must also possess uninsured motorist coverage.

What to do if you get in a car accident?

  • Share details of the accident with the nearest highway patrol or local police,
  • If wounded, get immediate medical treatment,
  • Obtain the police report of your mishap;
  • Avoid communication with an insurance agent or inspector without your lawyer,
  • Click photos of the affected vehicles, of the location, and even of your bruises 
  • Record details of the injury, about the time of the day, weather conditions, approximate pace of vehicle, potential spectators to the mishap, any other associated information,
  • Document  any statements of the person who hurt you, or any eyewitness(es), 
  • Journal your reactions and emotions about the trauma,
  • Guide your employer, if the car collision was associated to your employment
  • Seek legal guidance to know who you may have a right of lawful action against, and to check if the events of your trauma may lead to redemption, damages, or requirement of a legal adviser.

How to file an insurance claim for a car accident?

When you’re not at fault, you can file a claim in one of 3 ways:

1. File a claim with your own insurer.

Firstly, you must inform your insurance company without delay after a car collision.Then, your insurance firm will solicit remuneration from the at-fault motorist's insurance company.

2. File a claim with the other driver's insurer.

You may even go straight to the at-fault driver’s insurance firm. Provide the insurance company details of the driver's insurance policy number, driver's license number and other information. Then, follow up with written notice that you're intending to file a claim.

3. File a personal injury lawsuit.

This is your last-resort. The insurance company will be reluctant to settle a claim if there are questions about who's liable.

How much time do you get to file a claim?

The “statute of limitation” laws put restraints on the duration of waiting period to register a personal injury suit. Different lawsuits have different statute of limitations. These may vary from 1 year to 10 years, relying on many state laws and the kind of case. Usually, personal injury claims need to be presented within three years of the date when the physical injury was or should have been evident. An unjust act of death must be put forward within two years from the date of death. If a claim is not filed timely, you may be denied reimbursement. 

How long does it take to settle your claim?

A definite answer cannot be predicted unless sufficient information is available about the claim. If the claim is not resolved before the statute of limitations runs out, then it needs to be registered in court within three years from the time of the mishap or two years in case there is an unjust death claim. The usual duration to resolve the claim is based on aspects like the gravity of the trauma, the span of medical treatment, the subsequent medical expenses to be borne, the prompt action of providers and others to supply medical aid, and the coordination of the insurance bearers. 

We face distressing deferrals from the dereliction of insurance carriers and healthcare professionals in receiving comprehensive details that we require to settle liens in spite of our persistent endeavors to acquire it. In nearly every grave injury or demise claim, complexities arise about legal responsibility, compensation, liens, and future care. Wilson Williams Law has a dedicated medical department of qualified workforce and lawyers who are pro at arbitration with insurance firms, Medicare, Medicaid, and other healthcare professionals to ensure that settlements are executed in favor of our clients.

Common Types of Motorcycle Accidents

Common Types of Motorcycle Accidents


There has been a rise in the frequency of motorcycle mishaps across the state. More than 3,200 motorcycle collisions occur in the state every year, of which many crashes result in physical trauma and even demise.

Riding a motorbike makes you more vulnerable to injury as compared to driving other types of vehicles. Motorcycle mishaps are associated with risks of grave bruises to the riders such as head trauma, neck or back injuries and other serious wounds. 

Every mishap is different, but some kinds of collisions are especially frequent. This holds true with motorbikes, since innumerable motorcyclists are wounded annually across the United States owing to usual sorts of driver carelessness.

Following are the 5 usual types of motorcycle collisions:

  1. Left turn collisions

In North Carolina, mishaps often occur because of riders’ fault when they take left in front of approaching motorbikes. Oftentimes, reckless drivers are unable to correctly estimate the pace of impending motorcycles. Riders might also not spot the motorcycles fully. Whatever excuse a rider might give, the motorcyclist becomes helpless to escape a crash. The sufferer is usually tossed several feet from his bike.

  1. Distracted or careless driving by rider 

Motorcycles have a high probability to be overlooked as these are smaller as compared to other passenger automobiles. Many times motorbike crashes happen because of careless riders switching lanes into motorcycles which are usually traveling in the same path. Drivers frequently experience disastrous trauma in such mishaps.

  1. Rear-End accidents 

Popularly called ‘head-on’ occurs when one motor vehicle hits the back bumper of another automobile, usually at low pace. When a passenger vehicle bangs a motorbike from behind, even at a low speed, the power can still be sufficient to toss a motorcyclist from his or her bike.

  1. Intoxicated Driving

Motorists have a high probability to make bad choices on handling motorcycles when they are riding while impaired (DWI). Intoxicated drivers often give rise to motorcycle collisions, many of which end up being fatal.

  1. Dooring Accidents

The way bicyclists are at the risk of experiencing consequences of an accident in metropolitan areas, similarly ignorant travelers in other places can put motorcyclists in danger when they sway open the doors to passenger automobiles on bustling roads.

It is not necessary that every motorcycle mishap involves some other vehicle. It is quite possible for some motorcyclists to often get injured in crashes caused by faults in the motorcycles. A case could still be filed against the negligent party when the victim suffers trauma in a collision caused by a manufacturer’s faulty item or an unprofessional servicing.

Hit-and-Run Motorcycle Accidents

Motorcyclists are frequently caught in hit-and-run mishaps as often there is hardly any damage to the other vehicle, and its driver panics and runs away from the spot. Or else, the other driver coerced you off the road and either didn't know you met with an accident or that it was their mistake. Both of these are complex situations. There is a chance of no other witnesses being present at the spot, and lack of proof to testify the incident. If you are unaware of the person who wounded you in a motorcycle accident, a motorcycle accident legal adviser can assist you with the claim procedure and strengthen your case to get you the reimbursement that you deserve.

How a Motorcycle Accident Attorney Can Help

Contributory neglect is a supportive defense, implying that it needs to be raised by the opposing party. You need not fret till it arises, however you ought to be ready for it. Just like you have to prove your claim, it isn’t sufficient for the opposing party to just avert that you were contributorily negligent. To be able to successfully raise the defense, the other party must prove two things: 

1. That you have been careless; and

2. That your neglect contributed to causing the accident. 

An experienced North Carolina motorcycle accident attorney who is adept in dealing with motorcycle accident cases will be able to find out if contributory negligence applies in your case or not. They may require that the other party prove their claim, question their proof, and present testimony to prove that you have not been negligent or your neglect did not contribute to the accident. Contact Dominique Wilson Williams today to seek a free consultation and let him analyze your case to help you secure an appropriate settlement.

Types of personal injuries

Types of personal injuries covered by Wilson Williams Law

Personal injury cases are a matter of serious concern as these imply critical injury, lifelong disability, and even demise in certain instances. Sufferers rely on the personal injury lawyer to reclaim monetary compensation to provide for their medical treatments, restore permanently lost income, and reimburse for their pain and distress. 

Following are the general personal injuries covered by our practice:

1: Automobile accidents with other cars, trucks, or buses

Automobile accidents, which include accidents with car, motorcycle, or bicycle and pedestrian accidents, are the most frequent instances that lead to personal injury where the lawful support of lawyers becomes necessary. Neglect, lack of judgment and caution, and failure to abide by the rules and regulations of the road are the usual reasons for car accidents. Whether the mishap involves careless driving, speeding, or drunken driving, if you suffer because of someone else’s neglect, you’ll be required to prove it. The driver at fault can be legally held accountable to pay monetary compensation for the trauma suffered by the complainant from the car accident. The complainant needs to possess adequate medical testimonials about the injury and expenses incurred on the treatment and recovery, insurance details, and police record among other crucial information of the accident as these are vital in strengthening the assertions of the complainant. 

Getting affected by an automobile accident can leave you with anything from an injury to the neck (the cervical vertebrae) and bruising to grave head and spinal injuries. If you have been hurt in a motor vehicle accident, whether as a driver, a commuter, or a pedestrian, you may have the right to financial reimbursement for your personal injuries and financial loss. You can trust an experienced automobile accident attorney like Wilson Williams Law to defend your rights during the legal process. 

2: Transportation accidents, such as trains and buses

Whenever you travel by modes like rail, bus or taxi, your safety becomes the responsibility of someone else. All public transport operatives are accountable to get you to your destination safely but there is always a risk factor involved as nothing is certain. Here is a list of public transport accidents that we handle:

  • Accidents which occur by the dereliction of the driver of the bus or minicab and taxi drivers
  • Mishap caused by the hazardous condition of a taxi, bus, or train
  • Accidents that happen by poor security systems or due to dangerous conditions at the rail or bus platforms or within the premises of rail or bus stations
  • Train mishaps that befall by the fault of driver and signal or line faults

3: Defects on a property (such as swimming pools, hot-tubs, slippery floors, defective buildings, and property)

In an instance of slip and fall on a public or private property, the injured can seek remuneration for the trauma suffered from the mishap. Property owners are legally bound to keep their premises safe and free from barriers and perils that can harm others. ‘Premises liability’ implies accidents caused by a hazardous or faulty condition on someone’s land. These mishaps can take place anywhere, from commercial venues or public places such as supermarkets, food outlets, gas stations, offices and retail stores, to a house next door or a public or private swimming pool or hot tubs. Also, a wide range of risky situations can lead to a ‘premises liability’ claim, for example tumbling down a staircase because of a missing handrail, to tripping over a block or slipping on a spill in a passage, among many others. It is vital to register the dangerous or defective condition almost immediately after the mishap.

Count on Wilson Williams Law, an expert attorney to help you deal with personal injury cases. With in-depth knowledge of the law, unrivaled negotiating skills, North Carolina-based Wilson Williams Law is the best to get you the money you deserve. If you suffer accidental personal injury or loss through the fault of another, that organisation or individual is lawfully accountable and can be required to give damages. Wilson Williams Law aims to facilitate reimbursement for your pain, medical expenses, lost wages, or earnings, and other damages linked with injuries caused by the neglect on part of others. 


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