Car Accident Lawyer Greenville Nc – North Carolina Personal Injury Lawyer » North Carolina Car Accident Lawyer » Can You Recover More Than Your Policy Limits?
Do you receive a claim that exceeds your policy limit? “What if my accident exceeds the insurance policy limits?”
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The consequences of a car accident can be devastating and financial. In addition to property damage, physical injuries can require expensive treatment, and bills can add up quickly. In some cases, you may even be forced to take time off work to recover from your injuries, causing you to lose wages. In the most tragic cases, disabling injuries can prevent you from returning to your previous job, drastically reducing your earning potential.
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Under North Carolina law, it is possible to seek compensation from the at-fault party if the damage exceeds the insurance policy limits, but these cases can be very complex. We strongly recommend that you hire an experienced North Carolina car accident attorney to obtain compensation that exceeds your policy limits.
In most North Carolina car accidents, truck accidents, and other motor vehicle accidents, the victim is compensated through a settlement or judgment and the at-fault party’s insurance company is reimbursed. However, in some cases, the at-fault party’s insurance policy does not cover all damages. This is what we mean when we say that a claim “transcends politics”.
However, there are legal options for those whose damages may exceed the policy limits of a car accident claim.
If your accident claim exceeds the policy limit, you can claim additional compensation from the at-fault party’s personal property.
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This is especially useful for serious or life-changing injuries where estimated damages, such as medical bills after a car accident, future medical expenses, lost wages, and loss of future income, may be very expensive
For help with claims that exceed your policy, call 1-800-525-7111 to speak with an experienced North Carolina personal injury attorney at Riddle & Brantley. There are no upfront costs and you will not pay any attorney fees unless we indemnify you.
To seek damages that exceed North Carolina policy limits, you must file a lawsuit against the at-fault party. If you win the case, the jury will award damages that exceed what is known as the “excess verdict” threshold.
Although difficult to obtain (depending on the circumstances), additional benefit decisions are relatively straightforward, awarding an “excess” benefit beyond what is covered by the insurance policy.
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For example, if the at-fault driver’s insurance policy only covers $100,000 and your damages were $150,000, a jury may award you an additional $50,000. This $50,000 in damages is an “excessive judgment.”
Damages awarded under an excessive award must be paid by the defendant, and in such cases personal property may be garnished under North Carolina law.
Even if the jury awards you a franchise, the process for seeking additional compensation from the defendant is not simple and straightforward. While you may be entitled to damages in excess of the policy limits if the defendant’s personal property is seized, many properties are excluded. These assets are known as “exempt assets”.
Exempt property in North Carolina can include both the defendant’s primary home and his primary vehicle. Other real estate, such as vacation homes or used vehicles, can be seized to cover damages awarded in an excessive judgment.
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Note that this process can be very slow. In North Carolina, the defendant cannot be forced to sell his property to cover his losses. The judgment gives you a lien on the property, which is paid only after a voluntary sale of the property.
Other claims, such as mortgages, take priority over “excess judgment” claims, so plaintiffs may not even be entitled to the full value of the property sold.
In other cases, if the defendant has other assets that are easier to sell, such as motorcycles, boats, or used vehicles, the local sheriff can enforce the judgment and seize those assets. But in these cases, you don’t actually get the full sale price of the property because the sheriff is also entitled to a portion of the sale.
If you have been injured in a car accident and your damages exceed the at-fault insurance policy limits, an experienced North Carolina personal injury attorney at Riddle & Brantley can help.
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For a FREE consultation with an experienced North Carolina car accident attorney, call 1-800-525-7111 or fill out the quick and easy form below.
The consultation is free and you won’t pay a cent in attorney’s fees unless you receive monetary compensation.
Call 1-800-525-7111 and let us review your case and advise you on the best legal options available. You deserve justice and we are happy to help you in any way we can.
We can research the coverage available and do our best to get you the best possible compensation. There may be insurance policies that can be ‘stacked’, such as uninsured or uninsured car insurance, to provide greater compensation. If necessary, we may bring an action seeking an additional judgment for damages in excess of the policy limits.
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These cases are extremely complex and we have the experience and knowledge to help you. In over 35 years serving the people of North Carolina, we have returned millions of dollars in compensation to our valued customers (see disclaimer below).
Don’t wait: The longer you wait to contact us, the harder it will be to prove your claim and get the compensation you deserve. Call 1-800-525-7111 for a FREE, no-obligation consultation and let’s talk.
*** Disclaimer: The results mentioned are intended to illustrate the types of cases the company deals with. These results do not guarantee a similar result and should not be considered a promise or guarantee of a specific result in any particular case. Each case is different and the outcome of each case depends on many factors unique to that case. Injured in Greenville, California? An attorney at Riddle & Brantley Accident Law Firm can help. Our personal injury attorneys, supported by a full team of investigators, case managers and paralegals, have more than 220 years of combined legal experience and have secured more than $700 million in total compensation for our valued customers (see disclaimer below). We pride ourselves on providing excellent customer service and are humbled by the words our customers use to describe their experience with us.
Our staff is available to answer phone calls and emails during these times, but please note that appointments at our Greenville office are by appointment only.
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We handle all types of personal injury (see list below). Our attorneys are tireless in seeking justice for our clients, and we don’t hesitate to go to court if an insurance company doesn’t make a fair offer.
We know the laws of North Carolina. If you have been injured in an accident, call (252) 397-8620 for a FREE, no-obligation consultation with an experienced Riddle & Brantley personal injury attorney.
In-person consultations are available by appointment only at our convenient Greenville office, and free consultations are always available anywhere in the world via phone, email, text or video conference. No attorney fees are charged unless we win your case and you receive compensation. It’s that simple.
Since 1985, the attorneys at Riddle & Brantley have served victims of negligence. We know the applicable state and federal laws and will work tirelessly to get you the compensation you need and deserve. If you have been injured in an accident due to someone else’s negligence, justice is important. If another person or company is responsible for your injury, you may be entitled to compensation, and a Riddle & Brantley attorney would like to review your case for a free consultation.
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With more than 220 years of combined legal experience, our attorneys believe that justice is important to ALL North Carolinians, and we stand ready to help you in any way possible.
Personal injury cases can be complex, lengthy and stressful. Whether you’re filing a claim or an insurance or workers’ compensation claim, it can be important to have someone on your side who knows the ins and outs of the legal system. A recent study found that those who hire an attorney receive on average more than 3 times more compensation than those who represent themselves.
Whether organizing an accident investigation, processing court documents, assisting with health care settlements, or negotiating with an insurance company, a Riddle & Brantley attorney can handle all aspects of the your case
What to do if you plan to file a lawsuit or lawsuit seeking compensation for your injuries… and even more so if you want to win the case.
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Filing a personal injury lawsuit or claim can be difficult. An attorney can handle all of these tasks and help you navigate the process with minimal stress.
In North Carolina, personal injury claims are governed by the state’s statute of limitations, which is essentially the time period within which a claim or lawsuit must be filed. There is
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