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Understanding “Loss of Use” Claims

A loss of use claim refers to coverage as part of an auto insurance policy that reimburses a victim of a car crash for reasonable rental car costs. Victims of car accidents may be eligible to pursue a loss of use claim to obtain reimbursement for rental costs as long as the rental vehicle is reasonably similar to the vehicle they drove. The purpose of a loss of use claim is to allow accident victims to maintain their standard of living following a car accident while waiting for their vehicle to be repaired.

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No Health Insurance & Seeking a Letter of Protection

If you get injured in an accident but do not have health insurance, it may seem that your only option to get the medical care you need is to pay for the treatment out of pocket. However, your medical bills could reach thousands of dollars, depending on the severity of your injuries, which may carry a significant financial burden.

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Making an Insurance Claim vs. Filing a Lawsuit

If you have been injured in a car, trucking, motorcycle, bicycle, pedestrian, or other accident in North Carolina where someone was at fault, you’re facing a lot of decisions. One of the major ones will be whether you should pursue compensation for your damages by filing a claim against the at-fault party’s liability insurance or file a lawsuit against them.

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Common Misconceptions About North Carolina Accident Claims

If you have been involved in an auto accident in North Carolina, you are probably getting a lot of unsolicited advice from family, friends, co-workers, and others. As well-intentioned as their advice may be, it may be neither good nor accurate. There are many notable misconceptions about how car accident claims work in North Carolina.

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What Not to Say to an Insurance Adjuster

In the aftermath of a car crash, the last thing you want is to deal with the insurance company. However, it is almost inevitable that an insurance adjuster will get in touch with you to discuss the details of the accident before making a settlement offer or denying your claim.

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Who Could Be Held Liable for Sexual Assault or Sexual Abuse?

Being involved in a sexual assault or abuse incident can be an emotional and traumatizing experience. Fortunately, sexual abuse laws exist in North Carolina to hold the abuser civilly and criminally liable for their actions.

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Proving Injury in Sexual Assault Cases

Being a victim of sexual assault or rape can be an emotional and traumatic experience. While the prosecutor files charges against the perpetrator, tries the case and expects the criminal court system to punish the defendant, this may never be enough for the victim.

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Should I Give a Recorded Statement to the Insurance Adjuster After a Car Wreck?

More than 105,000 people were injured in car accidents in North Carolina last year. Those whose injuries were caused by the negligence of another driver received a call from an adjuster from that driver’s insurance company.

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What to Do if You Are Hit by a Drunk Driver

North Carolina averages more than 10,000 drunk driving accidents each year.

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Don’t Be Sidelined by Bad Faith Insurance Tactics

When a victim files a personal injury claim, it is the responsibility of the insurer to investigate, negotiate, and settle such claims fairly and in good faith. Unfortunately, when settling injury claims, some insurance companies use bad faith tactics, such as lowballing, denying valid claims, legal misrepresentation, and offering absurd first settlement offers.

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