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Insurance 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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Danger in the Trees

Posted in Dangerous Trees, Insurance, Real Estate 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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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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Collision and Comprehensive Automobile Insurance Coverage in NC

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

Posted in Automobile insurance, Insurance, Insurance Claim, Insurance Policy 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)

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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Insurance Bad Faith

Posted in Insurance on Wed October 23, 2013



This blog does not create an attorney-client relationship. You should not rely upon this blog for legal advice, but instead should consult an attorney experienced in your area of concern.

Chapter 58 of the North Carolina General Statues prohibits an insurance company from doing certain wrongful acts. More specifically, the statute is called the Unfair Claim Settlement Practices
N.C. Gen. Stat. Ann. § 58-63-15. Unfortunately, these claims cannot be brought against someone else’s insurance company, but only your insurance company.

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Insurance Information for Tornado Victims

Posted in Insurance on Tue March 6, 2012



From the deep south, through the midwest, and even into the Carolinas, recent bad weather has spawned multiple deadly tornadoes. While we grieve for the lives lost, many are faced with the task of rebuilding.

Undoubtedly, most of you affected will file insurance claims to compensate you for your losses and assist you in restarting your lives. It is important that you read your policy carefully to understand your rights.

In general, insurance policies compensate you in one of two ways: 1) actual cash value,

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