North Carolina Insurance Disputes

Clayton NC Crash Caused by Impaired Driver Results in Multiple Injuries

A very serious crash in Clayton, North Carolina on Saturday evening has resulted in multiple injuries.  The crash happened on U.S. Highway 70 when a woman was driving the wrong way in a Honda Civic.  She crashed her car into a Toyota Camry that was carrying three people who were all injured.  Tow of the occupants of the Toyota Camry were seriously injured.

The driver of the Honda has been charged with several crimes including driving while impaired and driving without insurance.  The fact that she was driving without insurance may have very important impacts on the potential claims for the injured victims.  If the Honda driver does not have insurance, the three victims may have claims for uninsured motorist coverage under the terms of various policies of insurance.  Click here to read more about claims involving drivers without insurance.

Hendren, Redwine & Malone posts this article to allow people who visit our website access to stories and information that might be of interest and, where appropriate, to make decisions about matters that may improve their lives. By posting this article, Hendren, Redwine & Malone makes no representations as to any relationship we may have with any of the individuals or businesses that are discussed in the article. If you are a family member of someone discussed in this article and have some concerns about the posting of this article, please contact us immediately. This post is an advertisement for legal services.

If you or a family member were involved in this incident and have questions about your legal rights, please call Hendren, Redwine & Malone and ask to speak with Mike Malone. You can also send an email to Mike Malone by using the message box on the right. We typically respond within an hour of receiving a message.

North Carolina Law - Why Life Insurance Claim Denied

Has Your North Carolina Life Insurance Claim Been Denied?  If so, call us today for a free consultation.

When you lose a family member, the last thing you need is an unnecessary battle with an insurance company over life insurance benefits.  Yet, life insurance companies frequently practice the standard procedure of delay and deny your claim.

Why does this happen so often?  Well, it’s how the business works.  We have represented numerous North Carolinians who have had a life insurance claim, or other insurance claim, denied and it was apparent that the insurance company simply hoped that our client would accept this decision and go away.  Frequently, this tactic works for the insurance company so, in a sad way, this is good business.

In other cases, the insurance company will try to take advantage of your desperation and offer you a reduced payment with the hope that you will take the money and go away.  Again, this can be a good business model for the insurance company.

If you are having trouble with an insurance claim, including a claim for life insurance benefits, call us today to discuss your claim.  In most of our insurance claim cases, we do not charge any fees unless we recover for you.  We can be reached at 919-420-7867.

I have a question about CCC One Total Loss Valuation

Was your vehicle totaled in a crash and did you receive a low valuation from CCC One and the insurance company?

Our firm is actively investigating claims for folks who received offers or payments from insurance companies based on valuation reports prepared by CCC One.  In some instances, we believe that these valuation reports undervalued the totaled vehicle.  Due to this undervaluation, we believe many consumers may not have received a fair payment for the totaled vehicle.

If you have a vehicle that was totaled in a crash and you received an offer or payment from the insurance company based on a CCC One report, please feel free to contact us for a free consultation to discuss whether this offer or payment was fair.  There is no charge for the free consultation and we get paid only if we recover for you.


My vehicle was totaled in a NC crash

When is a vehicle considered totaled following a North Carolina accident?

North Carolina laws for vehicles totaled in a crash are not nearly as descriptive as some other states.  The applicable law for vehicles totaled in a crash can be found at 11 NCAC 04.0418.  This regulation indicates that a vehicle is a total loss when the damaged exceeds 75% of the preaccident actual cash value.  The regulation goes on to say that the insurance company shall pay the preaccident value of the vehicle and, in exchange, receive the title to the vehicle.

How much money should you get for your totaled vehicle?

The regulation is not very clear on how an insurance company should determine the preaccident value. According to the North Carolina Commissioner of Insurance Consumer Guide to Automobile Insurance, a total loss claimant is entitled to the actual cash value of the vehicle which represents the local market value of the totaled vehicle.  The Consumer Guide indicates there are two methods for determining the local market value: 1) By using the local market price of a comparable vehicle; 2) If no comparable vehicle can be located, dollar estimates from at least two qualified dealers within the local market area.

We are aware that many insurance companies employ third-party companies such as CCC One to determine the preaccident value.  We believe that some of CCC One’s methodologies are flawed and result in valuations that are unfairly low for the totaled vehicle.

If you have a question about a total loss vehicle from a North Carolina accident, please give us a call to discuss whether your claim is being handled properly.  There is no charge for the call and we only get paid if we recover for you.