If you allow another driver to use your vehicle and a car accident occurs, you must file a claim with your own insurance company. Your policy covers most medical bills, property damage, and other expenses. However, if the losses exceed your policy limit, you can file a claim against the at-fault driver. Usually, the driver of the vehicle that rear-ends with another car is found guilty of the accident.
If it is a rear-end collision with several vehicles, the driver of the vehicle located at the rear of the vehicle chain is usually responsible. If someone else drives your car and someone else causes the accident, the at-fault driver's insurance is usually responsible for covering the costs. Therefore, while health insurance companies prohibit surrogacy in North Carolina, if the injured party's health insurance plan is a “self-funded” ERISA plan, as defined in federal law, the health insurance company can subrogate it. An experienced multi-vehicle accident lawyer in North Carolina will know how to minimize delays and get results as quickly as possible.
A commonly found dynamic in North Carolina cases that reduces the value of cases is the defense of “contributory negligence.” If you then let that person drive your car and this causes an accident, your insurance won't have to pay for those damages. On the other hand, if the driver of your car is at fault, your car insurance will generally cover the damage. If the costs of the accident exceed the limit of your policy, then the insurance of the person driving your car may cover whatever is left. If you are the victim of an accident or illness caused by someone else, the North Carolina personal injury law firm of Martin & Jones has the experience, skills, and sensitivity needed to make your path to recovery as smooth as possible.
In North Carolina, you can file a personal injury lawsuit to recover compensation for damages associated with a rear-end car accident. Many, perhaps most, slip and fall or trip cases in North Carolina can include the defense of contributory negligence. If you were injured in a multi-vehicle or chain reaction car accident, you need a North Carolina multi-vehicle accident lawyer who understands these types of cases and can help you get fair compensation. In addition, it's important to remember that North Carolina is one of the few states that follows the “pure contributory negligence” rule.
North Carolina contributory negligence law prohibits a driver from collecting damages if they are determined to be partially at fault. The North Carolina General Statutes do not establish guidelines related to determining or calculating the amount owed to you for pain and suffering.