If you experienced an injury due to an accident, you have probably encountered a bevy of legal and insurance terms that you have had to learn about. One of these is subrogation. Subrogation, or the right of an insurance company to make a third party pay for an...
It is a regular occurrence: two cars collide in a Charlotte intersection. Though there are no injuries, damage to one of the vehicles is significant and that driver’s insurance company later declares the car is a total loss. While the driver is fortunate to walk away...
Though we all do our best to drive safely, accidents can occur even when you were driving carefully. When this happens, most advice instructs you to exchange insurance information with the other driver so that the at-fault driver’s insurance can pay the damages. But...
When someone tragically dies in an automobile accident or as the result of the negligence of someone else, it may give rise to what is known as a “wrongful death action.” There is substantial confusion about what this means. We are often asked to explain the process....
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....
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...
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...
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...
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...
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...
