{"id":375388,"date":"2016-12-05T17:58:21","date_gmt":"2016-12-05T22:58:21","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/state\/north-carolina-law\/north-carolina-car-accident-settlement-process-and-timeline.html"},"modified":"2025-03-07T14:40:59","modified_gmt":"2025-03-07T19:40:59","slug":"north-carolina-car-accident-settlement-process-and-timeline","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/north-carolina-law\/north-carolina-car-accident-settlement-process-and-timeline.html","title":{"rendered":"North Carolina Car Accident Settlement Process and Timeline"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">North Carolina Car Accident Settlement Process and Timeline<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/kit-yona-m-a\/\">Kit Yona, M.A.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/katrina-wilson-esq\/\">Katrina Wilson, Esq.<\/a>\n                | Last updated\n        <time>\n                            March 07, 2025\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>To paraphrase Benjamin Franklin, death and taxes are the only things certain in this world. Had he lived in modern times, he might have added getting into an <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents.html\">auto accident<\/a> to that list. While nobody wants to be in a car crash, chances are you&#8217;ll have at least one fender bender in your driving career.<\/p>\r\n<p>In the aftermath of an accident, you&#8217;ll have many questions. If <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/injury-damages.html\">you&#8217;re injured<\/a> as well, you&#8217;ll have even more concerns. Understanding North Carolina&#8217;s auto and insurance laws can help, as can knowing the <a href=\"https:\/\/www.findlaw.com\/state\/north-carolina-law\/north-carolina-car-accident-compensation-laws.html\">state&#8217;s accident compensation laws<\/a>.<\/p>\r\n<p>Knowing what to expect as your car accident lawsuit moves forward can bring peace of mind at a difficult time. In this article, we&#8217;ll overview important laws before focusing on the steps involved in the North Carolina accident process. You&#8217;ll learn how <a href=\"https:\/\/www.findlaw.com\/consumer\/insurance\/automobile-insurance.html\">insurance companies<\/a> function, the settlement timeline, the car accident settlement process, how they will handle your personal injury claim, and how long each phase should take.<\/p>\r\n<h2>North Carolina Car Accidents and Crash Reports<\/h2>\r\n<p>In North Carolina, you must call law enforcement to the scene of an accident if any of the following applies:<\/p>\r\n<ul>\r\n<li>There is a death<\/li>\r\n<li>There is an injury<\/li>\r\n<li>There is more at least $1000 of property damage<\/li>\r\n<\/ul>\r\n<p>This is a reportable accident. The responding police officer will create an accident report called a <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/fault-and-liability-for-motor-vehicle-accidents.html\">Crash Report Form DMV-349<\/a>. This police report will have observational data, statements from those involved in the crash, and witness statements.<\/p>\r\n<p><a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/obtaining-and-using-a-police-report.html\">Insurance companies<\/a> will use this crash report to determine who is the at-fault party (caused the accident) and what damages should be awarded. You&#8217;ll need a copy of the crash report Form DMV-349 for any <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/insurance-claims-after-an-accident-the-basics.html\">insurance claims<\/a>. If you plan to file a car accident injury lawsuit, you&#8217;ll need a copy of your medical records for yourself or an attorney.<\/p>\r\n<p>To understand how important this form is for you and resolving your insurance claims, look at FindLaw&#8217;s <a href=\"https:\/\/www.findlaw.com\/state\/north-carolina-law\/north-carolina-car-accident-report-basics.html\">North Carolina Car Accident Report Basics<\/a> article.<\/p>\r\n<h2><b>North Carolina Car Insurance Laws<\/b><\/h2>\r\n<p>North Carolina&#8217;s <a href=\"https:\/\/www.ncdot.gov\/dmv\/title-registration\/insurance-requirements\/Pages\/default.aspx\" target=\"_blank\" rel=\"noopener\">mandatory minimum insurance<\/a> requirements include liability insurance of at least:<\/p>\r\n<ul>\r\n<li>$30,000 for bodily injury to or death of one person<\/li>\r\n<li>$60,000 for bodily injury to or death of more than one person<\/li>\r\n<li>$25,000 for property damage in any one accident<\/li>\r\n<li>Supplemental uninsured motorist<\/li>\r\n<\/ul>\r\n<p>Other <a href=\"https:\/\/www.ncdoi.gov\/consumers\/auto-and-vehicle-insurance\/basic-and-miscellaneous-auto-coverages#MedicalPaymentsCoverage-773\" target=\"_blank\" rel=\"noopener\">optional insurance<\/a> types are also available, such as Medpay, which covers medical bills. The liability insurance of the at-fault driver will handle most injury and damage claims from auto accidents. Make sure <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/car-insurance-claims-dos-and-don-ts.html\">you understand your insurance coverage<\/a>.<\/p>\r\n<h2>Understanding North Carolina Fault and Negligence<\/h2>\r\n<p>When it comes to car accidents, North Carolina is an <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/fault-and-liability-for-motor-vehicle-accidents.html\">at-fault state<\/a>. In simple terms, the person determined to be the most responsible for causing the accident is liable for paying the damages, medical expenses, and medical treatments of the other drivers.<\/p>\r\n<p>But North Carolina&#8217;s use of <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/defenses-contributory-and-comparative-negligence-in-car-accident.html\">contributory negligence<\/a> can alter that. This doctrine states that if you&#8217;re at fault in the accident, even as little as 1%, you might not recover any damages.<\/p>\r\n<p>If you&#8217;re worried about getting a fair settlement amount in your accident case or need to ensure you don&#8217;t get ruled as responsible for the crash, consider speaking with <a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/north-carolina?fli=dcta\" target=\"_blank\" rel=\"noopener\">a car accident lawyer<\/a> experienced in personal injury cases.<\/p>\r\n<h2><b>North Carolina Legal Filing Time Limits<\/b><\/h2>\r\n<p>You have a finite period to bring a lawsuit in North Carolina, known as a <a href=\"https:\/\/www.findlaw.com\/state\/accident-and-injury-laws\/civil-statute-of-limitations-laws.html\">statute of limitations<\/a>. For a personal injury filing, you have <a href=\"https:\/\/www.findlaw.com\/state\/north-carolina-law\/north-carolina-civil-statute-of-limitations-laws.html\">three years<\/a>. In most instances, any attempt to file after that period will get denied.<\/p>\r\n<h2>North Carolina Settlement Process and Timeline<\/h2>\r\n<p>The chart below offers both relevant laws and a step-by-step timeline of what you need to do and what you should expect to happen in the <a href=\"https:\/\/www.findlaw.com\/consumer\/insurance\/insurance-claim-overview.html\">insurance claims process<\/a> after your North Carolina car accident claim.<\/p>\r\n<table border=\"1\">\r\n<tbody><tr><th scope=\"row\" style=\"text-align: left;\">Relevant North Carolina statutes<\/th>\r\n<td><p><b>North Carolina Chapter 20 \u2014 Motor Vehicles:<\/b><\/p>\r\n<ul>\r\n<li><a href=\"https:\/\/codes.findlaw.com\/nc\/chapter-20-motor-vehicles\/nc-gen-st-sect-20-279-21\/\" title=\"Section 20-279.21\" target=\"_blank\" rel=\"noopener\">Section 20-279.21<\/a> <i>(<\/i>motor vehicle liability policy<i>)<\/i><\/li>\r\n<li><a href=\"https:\/\/codes.findlaw.com\/nc\/chapter-20-motor-vehicles\/nc-gen-st-sect-20-166\/\" title=\"Section 20.166\" target=\"_blank\" rel=\"noopener\">Section 20.166<\/a> (duty to remain at the scene of an accident)<\/li>\r\n<li><a href=\"https:\/\/codes.findlaw.com\/nc\/chapter-20-motor-vehicles\/nc-gen-st-sect-20-166-1\/\" title=\"Section 20-166.1\" target=\"_blank\" rel=\"noopener\">Section 20-166.1<\/a> <i>(<\/i>duty to report vehicle accidents<i>)<\/i><\/li>\r\n<li><a href=\"https:\/\/codes.findlaw.com\/nc\/chapter-20-motor-vehicles\/nc-gen-st-sect-20-4-01\/\" title=\"Section 20-4.01\" target=\"_blank\" rel=\"noopener\">Section 20-4.01<\/a> (motor vehicle definitions)<\/li>\r\n<\/ul>\r\n<p><b>General Statutes Chapter 1. Civil Procedure:<\/b><\/p>\r\n<ul>\r\n<li><a href=\"https:\/\/codes.findlaw.com\/nc\/chapter-1-civil-procedure\/nc-gen-st-sect-1-139.html\" title=\"Section 1-139\" target=\"_blank\" rel=\"noopener\">Section 1-139<\/a> <i>(<\/i>burden of proof of contributory negligence<i>)<\/i><\/li>\r\n<li><a href=\"https:\/\/codes.findlaw.com\/nc\/chapter-1-civil-procedure\/nc-gen-st-sect-1-52\/\" title=\"Section 12-512\" target=\"_blank\" rel=\"noopener\">Section 1-52<\/a> (civil statutes of limitations for person injury)<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><tr><th scope=\"row\" style=\"text-align: left;\">The investigation process timeline<p>&nbsp;<\/p>\r\n<p>&nbsp;<\/p>\r\n<\/th>\r\n<td><ul>\r\n<li>Once you have <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/insurance-claims-after-an-accident-the-basics.html?\">notified your insurance company<\/a> about the accident, a claims adjuster will be assigned to your damage or injury claim case.<\/li>\r\n<li>The adjuster will ask follow-up questions about the circumstances of the accident, any losses you suffered stemming from the accident, and any injuries.<\/li>\r\n<li>The adjuster may contact any witnesses and request to review medical treatments and records to determine whether your injuries are from the accident or a different event.<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><tr><th scope=\"row\" style=\"text-align: left;\">The initial settlement offer<\/th>\r\n<td><ul>\r\n<li>After the adjuster has finished the investigation and figured out what happened, they will make an initial settlement offer to compensate you for the losses you experienced due to the accident<\/li>\r\n<li>Since North Carolina uses contributory negligence, you may get denied an offer if it&#8217;s determined you were partially responsible for the accident<\/li>\r\n<li>Initial offers tend to be low and not sufficient to cover your losses and medical care<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><tr><th scope=\"row\" style=\"text-align: left;\">The settlement negotiation process<\/th>\r\n<td><ul>\r\n<li>If your claim wasn&#8217;t denied, you&#8217;ll have to decide whether to <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/car-accident-settlement-basics.html\" title=\"accept the initial settlement offer or enter the negotiations phase\">accept the initial settlement offer or enter the negotiations phase<\/a> instead<\/li>\r\n<li>To negotiate, you will have to show evidence of your injuries and losses while that your case is worth more than the offer presented<\/li>\r\n<li>If they refuse to make what you consider an acceptable offer or deny you again, you may need to file a civil lawsuit<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><\/tbody><\/table>\r\n<p><i><b>Disclaimer:<\/b> State laws are always subject to change through the passage of new legislation, rulings in the higher courts (including federal decisions), ballot initiatives, and other means. While we strive to provide the most current information available, please consult an attorney or conduct your own legal research to verify the state laws you are researching.<\/i><\/p>\r\n<h2><b>How Long Will My Car Accident Settlements Be in North Carolina?<\/b><\/h2>\r\n<p>In the case of car accident damage claims, life does not imitate a television courtroom drama. Few car accident cases end in trials, as going to court is costly, uncertain, and time-consuming. It&#8217;s much more likely you&#8217;ll end <a href=\"https:\/\/www.findlaw.com\/litigation\/legal-system\/what-does-it-mean-to-settle-a-case.html\">with a negotiated settlement<\/a>. While neither side gets everything they want, they both get to skip excessive legal fees and stress.<\/p>\r\n<p>North Carolina requires <a href=\"https:\/\/www.nccourts.gov\/programs\/mediated-settlement-conference-program\/about-mediated-settlement-conference-program\" target=\"_blank\" rel=\"noopener\">mandatory settlement conferences<\/a> in nearly all civil cases with a neutral mediator. Even if a settlement isn&#8217;t reached with the mediator, your attorney will likely continue to discuss settlement options with you and the other party.<\/p>\r\n<h2><b>Questions About North Carolina Car Accident Settlements? Ask an Attorney<\/b><\/h2>\r\n<p>Many factors go into determining whether a settlement offer is fair, including the <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/worksheet-damage-estimate.html\">amount of damages<\/a>, the likelihood of success at trial, and the insurance coverage. A single mistake can doom you to failure.<\/p>\r\n<p>Given the seriousness of the situation, consider speaking to an experienced <a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/north-carolina?fli=dcta\" target=\"_blank\" rel=\"noopener\">car accident attorney<\/a> or personal injury lawyer in North Carolina. 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