If you have been injured in any way, whether in a car accident, by slipping and falling on someone else’s property, medical malpractice or any other incident that was the fault of another person or business, you are likely at a loss about what to do next. You are accumulating medical bills and losing time from work. You need to be compensated for your injuries but are not sure how to go about it. You may start off by filing a personal injury claim.

What Is a Personal Injury Claim?

A personal injury claim is not the same thing as a personal injury lawsuit. A claim begins when you file a request for compensation with the insurance company of the person or entity you assert was negligent. Your claim, which is generally in the form of a demand letter, should include a statement as to why the accident was the fault of the insured and the extent of your injuries. The claim will be assigned to an insurance adjuster who negotiates with you in an attempt to settle your case without you needing to file a lawsuit.

Keep in mind that, no matter how concerned adjusters appear to be, they work for the insurance company, not for you. Statistics confirm that victims who use a personal injury attorney to engage in negotiations are more likely to receive a fair compensation than victims who negotiate on their own. During the negotiation process, you may decide to go ahead and file a lawsuit.

Filing a Personal Injury Lawsuit

There are several instances when you may need to utilize a Charlotte personal injury lawyer to file a lawsuit against the negligent person or business who is at fault for your injuries. Some of those situations include:

  • Negotiations with the insurer are not productive. You need far more compensation than the insurer is willing to offer as a settlement.
  • The insurer maintains its insured party was not at fault for your injuries and that you have proof, such as witness statements and police reports, that support your claim that the insured’s negligence was the cause of your injuries.
  • Your injuries are severe and you will need ongoing and future medical treatment. You may never be able to return to your former employment which may cause you to lose wages in the future. Additionally, you may deserve to be compensated for your pain and suffering.

If you were injured in North Carolina or South Carolina and are not sure how to proceed, contact us at Campbell & Associates, Attorneys at Law, for a free consultation.