Yes, although we think that’s a mistake because it puts you at a tremendous disadvantage. If you choose to go it alone, you’ll need to provide all relevant documents—accident reports, medical bills, photos, lost wage statements—and explain why the insurer should cover these expenses. Try to keep the conversation factual and polite, but be wary of accepting lowball offers just to close the case. Adjusters are trained negotiators. If you sense they’re not taking your injuries seriously or misrepresenting evidence, you can pause the conversation to seek legal advice.

How Do I Prove the Extent of My Injuries?

Accurate documentation is key to a full and fair settlement. This includes medical records, physician notes, test results (like X-rays or MRIs), and receipts for prescriptions or medical devices. Keep a symptom diary, detailing pain levels, mobility challenges, and the emotional impact of your injuries. Photos of bruising or surgical incisions can also underscore your condition. Insurers tend to scrutinize claims for severe or long-term injuries like a traumatic brain injury, so robust evidence can bolster your case.

Should I Sign Medical Releases for the Insurance Company?

No. Insurers typically ask for a full medical release to verify your injuries. However, they sometimes request blanket authorizations that allow them to dig into your entire medical history. This can lead to them attributing your current condition to a preexisting issue, no matter how unrelated. Consider limiting the release to records specifically related to the crash injuries. If you’re unsure how to proceed, discuss the release with your attorney first to avoid revealing irrelevant or personal information.

Can a Lawyer Help If the Dispute Escalates?

Absolutely. Insurance law is complex, and North Carolina’s contributory negligence law further complicates matters. At Teddy, Meekins & Talbert, we regularly handle cases where clients face significant injuries—like traumatic brain injuries & wrongful death claims—that require extensive care. When insurers balk at covering these needs, legal representation can push for a more accurate valuation. A lawyer can also threaten litigation or file a lawsuit if negotiations fail to produce a fair settlement. 

What If the At-Fault Party’s Insurance Company Won’t Pay?

If you’re making a third-party claim against another driver’s insurer, they may dispute liability or the severity of your losses. Presenting compelling evidence of their insured’s fault and documenting your expenses may help. If they refuse to budge, you may be able to file a lawsuit against the at-fault driver directly. Their insurer typically has a duty to defend and indemnify, which can prompt more serious settlement negotiations.

How Long Should I Wait to Accept a Settlement Offer?

Settlements should be evaluated only after you understand the full extent of your injuries. For serious conditions, that might not be until you reach maximum medical improvement (MMI). Accepting a fast settlement offer often results in insufficient funds to cover future treatments or surgeries. Though waiting can be financially stressful, it usually leads to a more accurate assessment of your needs.