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Motor Vehicle 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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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. 

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

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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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Make safe driving a priority over Thanksgiving

Posted in Motor Vehicle Accidents on Wed November 23, 2016



With Thanksgiving almost upon us, millions of people will be hitting the roads and highways in the coming hours, driving to destinations near and far in order to spend the long holiday weekend with family and friends.

Indeed, AAA Carolinas is estimating that close to 1.2 million North Carolinians, roughly 90 percent of the state’s holiday travelers, will be going 50-plus miles by car over Thanksgiving, eager to take advantage of the lowest fuel prices in eight years.

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Why is the NHTSA telling automakers to make it loud?

Posted in Motor Vehicle Accidents on Thu November 17, 2016



When it comes to automobiles, the tastes of American consumers have evolved considerably over the last decade. Indeed, they are now looking for more than just powerful engines and novelty features, rather they want computer interfaces, advanced safety features and, of course, good fuel economy.

For many prospective buyers, this latter concern is paramount, as they don’t want to be at the mercy of fluctuating gas prices and want to limit their carbon footprint. In fact, it’s for this reason that sales of hybrid and even electric cars have been very good for both domestic and foreign automakers.

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Stay awake, stay safe: It’s Drowsy Driving Prevention Week

Posted in Motor Vehicle Accidents on Fri November 11, 2016



From the end of daylight savings time to staying up late to watch the election results, there’s a good chance that more than a few Americans were behind on sleep this week. In fact, while most of us think nothing of occasionally getting a few less hours of rest, the reality is that it happens far more often than we think and, more significantly, that it has a dramatic impact on road safety.

Interestingly enough, this week is actually Drowsy Driving Prevention Week,

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