Get free answers to your Insurance Defense legal questions from lawyers in your area.
I am 17 years old and recently got into a car accident where I rear-ended a woman because she came to a complete stop before turning right. The police arrived at the scene and filed a report. Her car had no damage, but she started acting like her neck was hurting and was taken away by an ambulance.... View More 
answered on Apr 7, 2025
A North Carolina attorney could advise best, but you posted last week. Do you mean doing things like investigating on your own or confronting her with your suspicions? NO, you DO NOT want to do that. Leave things up to your insurance company. If she claims she suffered injuries, the best thing you... View More
I added my son's name to the deed of my home in Gastonia, NC, with the provision that he inherits it upon my death. The house is fully paid off, with no liens or claims. My son is now purchasing a new home in another state, and his real estate agent requested a declaration of insurance for my... View More
I would like to know which specific governing body oversees self-insured companies for auto liability in North Carolina. Could you provide details about the regulatory authority responsible for this?
answered on Mar 17, 2025
A North Carolina attorney could advise best, but your question remains open for a week. You could reach out to the North Carolina Department of Insurance as a starting point. In states where there are such agencies, they oversee the operation of insurance carriers. Good luck
Can I sue an insurance company for not repairing my car 9 years ago due to their claim that I didn't have full coverage, even though my financed vehicle required proof of full coverage to drive it off the lot? The insurance company said they would repair the other party's car but not... View More
answered on Feb 17, 2025
The statute of limitation for breach of contract in North Carolina is three years from the date of the breach. You have waited too long to take legal action. If you sue, you will not win.
Please help. Jan Jan 7th and 10th
answered on Dec 25, 2024
A North Carolina attorney must advise here, but you await a response for two weeks and it looks like your hearing is around the corner. A starting point could be to look into whether you qualify for a public defender (state-appointed defense attorney, based on financial need), or to see if your... View More
Collision, and I looked it up and this is considered a criminal offense and I don’t know what this means for me or what I should do for my situation. I was not speeding and did attempt to stop, I was not on my phone and my insurance app shows that and I was not intoxicated. I attempted to brake... View More
answered on Aug 9, 2024
A North Carolina attorney could advise best, but your question remains open for two weeks. In terms of your question on what to do, reach out to attorneys without further delay to discuss, which you've probably done by now. In terms of specific guidance, an attorney is probably going to... View More
I was driving in my neighborhood and as I was passing a construction area, a worker walked into my car and bumbed into driver side door. He was working between a truck and a construction machine and was not visible to me. Now his attorney has filed a claim that I caused bodily harm. After the... View More
answered on Jul 1, 2024
A North Carolina attorney could advise best, but your question remains open for a week. Yes, it sounds like you have a valid basis for a defense. You should make a copy of the file and provide it to the defense attorney that your insurance company should be assigning to you shortly (if they... View More
answered on Sep 30, 2022
A North Carolina attorney could advise best, but your question remains open for four weeks. An attorney is likely going to want to see more details about the policy. If you could arrange a brief initial consult, an attorney might be able to outline the best options here, such as litigation or... View More
answered on Mar 25, 2022
A North Carolina attorney could advise best, but your question remains open for three weeks. As a general matter, it could depend on the terms of the arrangement between the hospital and the insurance company. But more information is necessary about the contract. Good luck
I am 26 living in NC and I don't have a single traffic ticket or violation so far and clean on my criminal records. Today I got a speeding citation(GS 20-141(J1)) on highway for driving 20mph over the limit of 65mph and was given court date. I am worried if this will impact my career since as... View More
answered on Jul 30, 2021
Most counties reduce speeding tickets to give people an incentive to go ahead and take care of them. Technically, speeding at a high enough speed is treated as a criminal charge and, if convicted, would show up on a background check. Getting it reduced would address this and is usually how traffic... View More
answered on Dec 27, 2020
Best suggestion is to hire an attorney. An attorney will help navigate that process, and either contact the restaurant with a settlement demand or a legal complaint filed as a civil lawsuit based upon justifiable damages that you sustained as a result of the fall. Our firm would be more than happy... View More
How can I get my car fixed?
answered on Oct 1, 2020
I strongly suspect that the shop has a duty to secure your car while it is on their property and that their insurance would cover these damages. Even if they do not have insurance you can almost certainly succeed in suing them for the cost of repairs, contact a local attorney.
He passed last night and it was unexpected, so we didn’t have enough time to put me as a dependent
answered on Feb 27, 2020
If anyone here is going to have insight into your situation, it's going to be lawyers in the Probate - Estate Planning sections here. You could contact one of the lawyers on this site, or seek someone independently through your own searches. It isn't insurance bad faith if a beneficiary... View More
answered on Feb 9, 2020
It isn't fully clear from your question whether you're inquiring about reimbursement of your hospital bill, or compensation as an injury victim. You could contact a North Carolina attorney to discuss the matter in further detail; most attorneys who handle injury cases generally offer free... View More
North Carolina. We have a child together and I will be carrying him on my insurance.
answered on Nov 21, 2019
Generally yes, until there is a divorce decree or other court order addressing the issue.
I paid the premium as always they accepted and kept the payment and weeks later they told me the policy was in lapsed status. In order to get it reinstated I would have to pay 400.00. At the time I could not come up with that amount of money so they (Axa Financial) lapsed the policy.
answered on Jul 22, 2019
You could consult with a North Carolina attorney to review the policy and its terms and conditions for cancellation. However, it's possible that seeking coverage elsewhere could be more cost-effective and practical in terms of time and resources needed to look into the coverage lapse. Good... View More
The woman was on hwr phone and stopped 15 ft before the lime at the light slamming on her breaks i was slowing down to come to a stop at the light and ended up haveing to slam on the breaks as well my leg is hurt ans my car is totaled all she has is a little scratch she knew she was at fault... View More
answered on Mar 18, 2019
First,contact a member of the NC Assn for Justice--they give free consults. Second, do not discuss this further on this page or any page, or facebook etc.
Yours is a very tough case----in part because while she is careless if she came to a complete stop that early, you have to leave enough... View More
My small daughter and I were just involved in a car fire. My car had recently had a new transmission installed. after the fire I was looking at reasons why the fire could have started.. I found a recall I had not heard of before. I don’t believe it was the new transmission. Well I really hope... View More
answered on Apr 4, 2018
Your insurance covers the fire pretty much regardless of cause (i.e. won't cover it if caused by war, nuclear plant meltdown and other exceptions). Talk to your agent and don't get into who did what unless asked, Keep it simple. Car caught fire. Why I don't know. That's it.
I have renter's insurance bundled with my auto insurance policy. I informed the property company of this and they requested that I add them to the policy as a condition to removing the fee
So a couple of months ago when I was in a different state I had missed a payment on my auto insurance and it lapsed for a few weeks (I wasn't driving it at this time), and I quickly paid it when I returned. The problem is the DMV said I owed them a fine, and while I got the insurance taken... View More
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answered on Nov 3, 2017
When you allowed the lapse to happen, DMV decided to slap your hand as a reminder not to do that by charging you a fee.
When you forgot to pay the DMV fee, DMV decided to spank you a bit harder and suspended your tag. Because the fee and subsequent suspension were due to a lapse in... View More
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