Created by FindLaw's team of legal writers and editors | Last reviewed January 16, 2019
This article has been written and reviewed for legal accuracy, clarity, and style by FindLaw’s team of legal writers and attorneys and in accordance with our editorial standards.
The last updated date refers to the last time this article was reviewed by FindLaw or one of our contributing authors. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please contact an attorney in your area.
Sometimes, escaping the parking lot after a Panthers game can be just as dangerous as traveling the winding, icy roads along the Smokey Mountains in winter time. If you are one of the unlucky few involved in a car accident in the Old North State, this article about the North Carolina car accident settlement process and timeline should help.
North Carolina's requires a report to be filed with local law enforcement whenever a "reportable accident" occurs, which means:
The “appropriate law-enforcement agency,” if you are in a city, is the city police department. If you are outside city limits, the agency would be the Highway Patrol, sheriff’s office, or county police where the accident occurred. That agency will then file a report with the state department of motor vehicles.
North Carolina's mandatory minimum insurance requirements include liability insurance of at least:
Almost no cases end in trials. Nearly all car accident damage claims end in settlement, as the parties would rather control the outcome by taking a guaranteed payout than risk losing at trial. A settlement means you may also save on legal fees and stress, instead negotiating appropriate compensation and signing a written agreement, before dropping the pending lawsuit.
North Carolina requires mandatory settlement conferences in nearly all civil cases with a neutral mediator. Even if a settlement isn't reached with the mediator, your attorney will likely continue to discuss settlement options with you and the other party.
There is no average settlement -- as cases and the amount of pain and damages suffered by parties vary widely from case to case. The more important consideration is the amount of damages in your particular case -- no other case is like it.
To determine a fair settlement amount in your case, the parties and their attorneys will likely consider:
North Carolina, like all states, has time limits (Statutes of Limitations) for filing a legal case: you have three years from the date of the accident for both personal injury claims and for property damage.
These time limits are strict and are not extended due to pending insurance claims. Speak to an attorney early in order to ensure that you still have time to file a lawsuit if needed.
There are a lot of factors that go into determining whether a settlement offer is "fair," including the amount of damages, the likelihood of success at trial, and the insurance coverage. Speak to an experienced car accident attorney in North Carolina who can help to evaluate the settlement offer and can prevent issues that could end your case before it begins.
Contact a qualified attorney.
Get tailored legal advice and ask a lawyer questions about your accident. Many attorneys offer free consultations.