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Charlotte NC Personal Injury, Workers' Comp & Legal Issues Blog

Danger in the Trees

On behalf of DeVore, Acton & Stafford, P.A. posted in

on Fri April 21, 2017



One of the most beautiful sights in our southern cities are the awe inspiring large trees that line many of our streets.  Yet, these majestic beauties mask a hidden danger.  As leaves begin to appear on large oaks and other deciduous trees, strong winds have more of an increased impact on the stability of the tree than in the winter when there are no leaves.  This is called the “sail effect” because the leaves catch more of the wind and create more stress on the trunk and root system. 

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Condemnation (Eminent Domain) Part III

On behalf of DeVore, Acton & Stafford, P.A. posted in

on Fri April 14, 2017



In the first two articles, which you can read here and here, we explained the concept of condemnation and methods of determining the value of your property. We now need to look at the cost of a condemnation proceeding.

Out of Pocket Eminent Domain Costs

As a general rule, the cost of obtaining an appraisal is not recoverable. So you have to weigh the cost of employing an appraiser versus the amount you might be seeking.

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Condemnation (Eminent Domain) Part II

On behalf of DeVore, Acton & Stafford, P.A. posted in

on Fri April 7, 2017



Last time, we began to discuss the condemnation process. As we explained previously, if you and the condemnor (the entity taking your property) cannot agree on the reasonable value of the property, the condemnor will proceed with the filing of a condemnation action and will instantly become the owner of the property they are seeking. But, the condemnor has to deposit with the court the amount of their last offer, or the amount the condemnor reasonably believes is just compensation for the taking.

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Condemnation (Eminent Domain): What You Need To Know

On behalf of DeVore, Acton & Stafford, P.A. posted in

on Fri March 31, 2017



Condemnation (sometimes called eminent domain) is the right of the government (or sometimes a private utility company) to take a person’s property for the better good of the public. The property owner rarely welcomes the taking of one’s property. Examples of condemnation actions would be the need for the Department of Transportation to build roads, or a county to build a school, storm water or sewer system. In Charlotte, North Carolina, many properties are being taken for the light rail projects.

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Other Types of Automobile Insurance Coverage in NC

On behalf of DeVore, Acton & Stafford, P.A. posted in

on Fri March 24, 2017



In previous blog posts we discussed the different types of automobile insurance available in North Carolina.

The coverages below may be purchased in addition to your basic automobile coverage. You will be charged an additional premium for electing these options.

Automobile Death Indemnity, Specific Disability and Total Disability Benefits Coverage

This endorsement will provide a benefit for death, dismemberment, specific disability and total disability resulting from an automobile accident.

Miscellaneous Type Vehicle Endorsement

Motorcycles,

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Uninsured and Underinsurance Automobile Coverage

On behalf of DeVore, Acton & Stafford, P.A. posted in

on Fri March 17, 2017



Uninsured Coverage

First, you need to understand the difference in these two types of coverages.  Uninsured coverage (abbreviated as UM on your declarations page) is for situations where the person who caused the accident did not have insurance at the time of the accident (even though to not have insurance is against the law).  It is required in all automobile insurance policies and covers personal injuries and property damage you might sustain due to another person’s negligence in causing the wreck.  

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Collision and Comprehensive Automobile Insurance Coverage in NC

On behalf of DeVore, Acton & Stafford, P.A. posted in

on Fri March 10, 2017



When your car is damaged in an accident, it is possible that the person who caused the accident may not have enough coverage to repair or replace your vehicle.  If you have optional collision coverage in your own automobile insurance policy, it can be used to help pay for this damage.  Using your collision coverage will not increase your insurance premium unless you were at fault.

Also, sometimes when you are involved in an accident the other insurance may move slowly in paying for your car. 

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Medical Payments (Medpay) Coverage in your Automobile Insurance Policy

On behalf of DeVore, Acton & Stafford, P.A. posted in

on Fri March 3, 2017



Medical Payments Coverage (Medpay) is included in most automobile insurance policies but few people even know it is there or what it is.  Medpay is an optional coverage, but because it is so expensive, most insurance agents automatically include it with your insurance premium.

What is Medpay?

Medpay is similar to a small health insurance policy.  Generally, the limits are between $500 and $5,000 and the premium for Medpay is only a few dollars more.  The purpose of Medpay is to reimburse you for any medical expenses you incur as a result of being injured by someone else in an automobile accident. 

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What type of automobile insurance should I have in NC? (Part II)

On behalf of DeVore, Acton & Stafford, P.A. posted in

on Fri February 24, 2017



Last time we discussed liability limits for your automobile insurance coverage and the danger of not having enough coverage.  In Part II we are going to discuss other ways to protect your assets in addition to increasing your automobile insurance limits.

Insurance, Liability & Personal Property

First, you should be sure that your car is only titled in one name.  Often couples think they should have both names on everything they own, such as a house or car. 

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What type of automobile insurance should I have in NC?

On behalf of DeVore, Acton & Stafford, P.A. posted in

on Fri February 17, 2017



 Most of us just pay our automobile insurance premium without completely understanding what coverage we have and what coverage we should have.  In this and the upcoming series of blogs we want to give you a brief explanation of the various options you have and recommendations for coverage.

Personal Injury & Insurance

Liability insurance is required by state law and in North Carolina the minimum limit is $30,000 for personal injuries per person with $60,000 of maximum coverage per accident. 

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