Are You Fully Covered in a Car Crash?
If you or someone you care about has been injured in a car accident, then you will have many questions. One of those will be – are you fully covered for all of your crash-related expenses?
There is no single answer to this question, as coverage may vary from person to person. However, there are many factors to consider that are similar to every crash. At Brown, Moore & Associates, PLLC, our Charlotte car accident attorneys want to look at where you may be fully covered.
Car accidents are going to happen
Drivers in and around the Charlottes metro area understand that our roadways can get crowded. There are plenty of vehicle accidents to contend with. During the latest reporting year in NC, the Department of Transportation says that there were over 275,000 vehicle crashes in the state. Out of those, there were:
- 1,396 fatalities
- 127,964 injuries
What does the insurance cover?
Most vehicle accident victims in North Carolina will turn to insurance to cover their expenses. For this state, the minimum coverage required to be legally allowed to drive on the roadway is:
- $30,000 for the injury or death of a single person
- $60,000 total for all damages for all persons from a single-car accident
- $25,000 for any property damage caused by the accident
While this coverage may be sufficient for minor car accident coverage, it is often not nearly enough to cover severe injuries. It is not uncommon for our Charlotte car accident lawyers to help clients with the following:
- Spinal cord injuries
- Traumatic brain injuries
- Bone fractures and dislocations
- Loss of or damage to a bodily organ
- Dismemberment or amputation
- Significant disfigurement
Many of these injuries have expenses rising well above the $30,000 minimum for injury coverage. If you have a higher limit on your insurance coverage, your carrier will cover some of the costs, but it may be necessary to file a personal injury lawsuit against an at-fault driver to recover the compensation you need.
It is important to understand that NC uses a contributory negligence system, This means that a person is barred from recovering any compensation for a car accident if they were found to be even partially at fault for the crash, even just 5% to blame.
We are ready to help you through this
If you or someone you care about has been injured in a car accident, you may need to speak with an attorney as soon as possible. At Brown, Moore & Associates, PLLC, we are going to be by your side as you work to recover compensation for what has happened. Let us investigate the incident and work to recover the following:
- Coverage of your medical expenses
- Recovery of lost wages if you are unable to work
- Coverage of physical therapy
- Pain and suffering damages
- Loss of enjoyment of life damages