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Accidents Archives | Devact

What is a “Wrongful Death” Action?

Posted in Accidents, Insurance, Wrongful Death on Fri June 9, 2017



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.

What constitutes wrongful death?

The first step is to determine if there is liability.  In some states, such as North Carolina, if the person who was injured or died contributed to the accident in some way,

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Other Types of Automobile Insurance Coverage in NC

Posted in Accidents, Automobile insurance, Insurance, Motor Vehicle Accidents 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

Posted in Accidents, Automobile insurance, Insurance, Motor Vehicle Accidents, Personal injury 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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What type of automobile insurance should I have in NC? (Part II)

Posted in Accidents, Automobile insurance, Injuries, Insurance, Insurance Policy 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?

Posted in Accidents, Insurance 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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On-the-Job Personal Injury & Workers’ Compensation

Posted in Accidents, Personal injury, Workers' Compensation on Thu January 19, 2017



There are many kinds of on-the-job injury that can take you out of work for weeks, or even months. This means you may need to apply for workers’ compensation to provide for yourself and your family. Whether you’ve suffered a fractured ankle while on a jobsite or were injured while driving the company car, you may be entitled to workers’ compensation benefits.

Here’s a general overview of what you need to know about the following on-the-job injuries and how you can receive the compensation you need and deserve.

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Negligent Truck Maintenance

Posted in federal motor carrier safety regulations on Mon February 1, 2010



Driving adjacent to or even near a tractor trailer represents one of the largest fears of the driving public. Simple physics and common sense suggest that if your mini cooper and a tractor trailer collide, your chances of walking away unscathed are remote. However, in my experience, for the vast majority of these truck drivers, I am amazed with their skill in controlling their vehicle. However, their ability to drive and ability to maintain their vehicle are two separate notions.

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