Often, people will call us to ask questions about “simple” car accidents. In North Carolina, there are several things to consider after an incident has occurred. No matter how straightforward the situation may seem in the moments after impact, it’s extremely important to understand that your actions will determine what happens to you down the road.
You were injured at work. You went through all the medical treatments you need, but you will never fully recover. How will you be compensated for your permanent injuries? The answer depends on your disability rating, also called an "injury rating."
When do I get a disability rating?
Workers’ compensation laws ensure that you get the medical care you need, plus How much will I get. If you’re permanently disabled in some way, you’re also entitled to the future wages you’re losing as a result of the permanent damage. You may experience either Permanent Partial Disability (PPD), in which case you can work but your capacity is diminished, or Permanent Total Disability (PTD), in which case you cannot work at all. Any permanent disability merits a settlement from your employer as compensation for the permanent damage. Your disability rating determines the amount of that compensation.
You’ve been in a car accident. You’re injured. You have medical bills piling up and no way to pay them. The average cost of medical care stemming from a car accident is about $15,000 – who has that kind of cash on hand? So, are you entitled to payment for those expenses?
You know that you’re legally required to have auto insurance. Unfortunately, not everyone follows that rule. When you’re in a car crash, the at-fault driver’s insurance will cover your medical costs and car repairs. So, what happens when the person who hit you doesn’t have car insurance?