When I am representing someone in an auto accident in North Carolina, sometimes, but not always, I get this question:
“Why are you holding onto my Med Pay funds instead of just paying them to me right away?”

It’s a fair question, but the answer is somewhat complicated. It mainly has to do with liens and rights of reimbursement.

As your attorney, my job isn’t just to get you compensated—it’s to protect you from problems that can pop up after the settlement check clears. And nothing can cause more trouble than failing to properly address all potential claims against the funds I collect for you.

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What Is MedPay, and Why Does It Matter?

Med Pay is an optional coverage on your auto insurance policy that helps pay for medical bills after an accident, no matter who’s at fault. If you have it, you should definitely use it! But as mentioned above, part of my job is to protect you from making costly errors.

Hospitals, health insurance companies, Medicaid, or even workers’ compensation carriers may all have liens or reimbursement rights to that money. If I just handed it over to you without checking, it could leave you (and potentially me) exposed to serious financial and legal consequences.

While they aren’t fun and do sometimes possibly reduce your take-home from your settlement, these rights can be legally enforced, so we have to deal with them. If we fail to pay even one legitimate lienholder, that party can come after the settlement—and sometimes after you personally.

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Why I Hold the Funds

When I receive Med Pay funds, I don’t rush to disburse them. I take the time to:

• Identify all potential lienholders or payback obligations.
• Confirm the amounts owed and whether they’re legally enforceable.
• Negotiate reductions where possible/appropriate.
• Document every step so there’s no dispute later.

This process can take time, but it’s far better than accidentally overlooking a lien and facing a claim from a healthcare provider or health insurance provider down the road.

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Ignoring a Lien Is Dangerous

If you ignore even one valid lien, the consequences can be serious:

• The lienholder could sue for repayment.
• You could lose future coverage or benefits.

That’s why I handle these details carefully and personally. I’d rather delay disbursement a bit to make sure it’s done right than rush a payout that could come back to haunt you.

The Bottom Line

I know everyone wants their settlement money quickly. But part of my job as your attorney is to make sure that money stays yours once you get it. By holding and carefully managing your Med Pay funds, I’m protecting you.

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Call me if you’ve been injured in a car accident and have questions about your Med Pay coverage. 919-929-2992

Many of us have been here…you’re stopped at a red light, someone behind you isn’t paying attention, and BOOM, you’re hit from behind. Classic rear-end collision. It seems cut-and-dry, right? The other driver is clearly at fault, so you figure you can just exchange insurance info and move on.

WRONG! I hear this all the time—but here’s the truth: even a simple rear-end accident can get complicated really quickly. And without an attorney, you could leave money on the table or get blindsided by the at-fault insurance company (or even your own!).

Don’t Be Fooled by “Obvious” Fault

In North Carolina, rear-end collisions can seem simple. We often presume the driver in back is at fault, but insurance companies don’t always just hand over checks, especially in the amount you should get. They look for anything to shift blame, lower your payout, or argue that you weren’t really injured.

And remember: North Carolina is a contributory negligence state. That means if they can pin even 1% of the fault on you, you could be barred from recovering anything. It sounds ridiculous, but I’ve seen insurers argue things like:

• You braked too suddenly.
• Your brake lights weren’t working perfectly.
• You stopped “unexpectedly” when traffic wasn’t fully stopped.

One percent is all they need to fight your claim.

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Hidden Injuries and Delayed Symptoms

Rear-end crashes often cause soft tissue injuries like whiplash, which can take hours or even days to show up. If you tell the adjuster you “feel fine,” they’ll use that statement to minimize or deny your claim later.

My job is to make sure you are getting the advice you need to avoid damaging your claim AND helping you to do the right things to support your claim.

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Documenting Damages the Right Way

It’s not just about fixing your bumper. Even a low-speed impact can lead to:

• Neck and back injuries
• Lost income
• Physical therapy or chiropractic care
• Pain
• Suffering
• Emotional Distress

Proving those damages takes documentation, strategy, and sometimes expert testimony. Without a lawyer, you’re relying on the adjuster’s idea of what’s “fair,” and their job is to pay youas little as possible.

I’ve written before about why you should call an attorney right after an injury—and rear-end accidents are a perfect example of why timing matters.

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Outside Resource: Understanding Whiplash and Rear-End Injuries

For more information on the medical side of rear-end crashes and whiplash, see this helpful overview from the Centers for Disease Control and Prevention (CDC). It explains why even “minor” crashes can cause serious injuries.

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Bottom Line

No matter how minor a rear-end accident looks at first, remember that the moment your accident happened, forces started moving on the carrier side to negatively impact your claim. Their goal is to close your claim quickly and cheaply. My job is to make sure you’re treated fairly.

If you’ve been in an accident in NC, call me at 919-929-2992.

If you’ve been hurt in a car accident here in North Carolina, you might be wondering: Do I really need an attorney? Can’t I just handle this myself with the insurance company?

Totally legitimate questions. Maybe you can handle this on your own. And, yes, you can try to deal with the claim on your own, I can tell you from experience that it can turn out to be a bad idea.

Insurance Companies Are Not on Your Side

The insurance adjuster may sound friendly on the phone, but their job is not to take care of you. Their job is to save the company money, which usually means offering you the lowest settlement possible. They have lawyers working for them behind the scenes from day one. If you don’t have an attorney, you’re stepping onto the field without a coach, without pads, and without a playbook.

I wrote before about why you should call an attorney right after an injury, and car accident claims are one of the clearest examples of why timing matters.

North Carolina’s Harsh Contributory Negligence Rule

One of the toughest things about auto injury claims in North Carolina is our contributory negligence rule. Here’s what it means: if the insurance company can prove you were even 1% at fault, you could be barred from recovering anything.

That’s right—1%. Even if the other driver was 99% at fault.

Insurance companies know this, and they’ll twist facts, statements, and evidence to make it look like you share blame. The adjusters are trained to ask you questions in a way to get the answers they want. Part of my job is to keep you from making mistakes that can hurt your claim. If you wait too long to get help, I can’t go back in time.

Building the Real Value of Your Claim

Car accident claims aren’t just about paying your medical bills. They’re about your pain, your suffering, your lost income, your long-term health, and the impact on your life. But unless you know how to properly document and present those damages, the insurance company will pretend they don’t exist.

That’s where I step in. I gather the medical records, employment records, expert opinions, and testimony needed to prove the full value of your claim—not just the parts the insurance company is willing to acknowledge.

Don’t Risk Selling Yourself Short

You only get one shot at settling a personal injury claim. Once you sign that release, you can’t go back later if your injuries turn out to be worse than you thought. Having an attorney means you have someone making sure the settlement accounts for not just today’s bills, but tomorrow’s as well.

The Insurance Information Institute has a helpful overview of what to do after a car accident, but when it comes to actually pursuing compensation, you don’t want to go it alone.

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If you’ve been injured in a car accident in North Carolina, call me at 919-929-2992.

When you’ve been hurt in an accident, you may miss time from work. That missed income is an important part of your personal injury claim. But here’s the catch: just writing down your own estimate of how much money you lost isn’t enough to convince an insurance company—or a jury—that your claim is legitimate.

I understand the temptation. You know how many hours you missed, what your paycheck usually looks like, and how your injury has impacted your ability to work. But from a legal standpoint, your personal statement about lost wages isn’t strong evidence.

Why Your Word Isn’t Enough

Insurance companies don’t just take your word for it because you’re not what’s called a “disinterested party.” You’re the one asking for money, so of course you have a financial interest in the outcome. That doesn’t mean you’re dishonest—it just means that your own notes or estimates don’t carry the same weight as independent documentation.

Think about it this way: if you were asked to prove how much money you spent on your bicycle that got ran over by a neighbor, would your handwritten note saying “I spent $1,000” be credible? Probably not. You’d want to see bank records, receipts, or some kind of third-party proof. Injury claims work the same way.

What Counts as Good Proof

The best way to prove lost income is with documentation from sources other than yourself, like:

• Employer statements on company letterhead showing your hours missed and rate of pay. THIS, coupled with doctor’s notes writing you out/putting you on light duty is the GOLD STANDARD.
• Tax returns if you’re self-employed, backed up by client invoices or contracts, is often what you have to do in lieu of an employer’s note.
• Medical records tying your inability to work directly to your injury.

The more independent the source of the information, the harder it is for the insurance company to argue with it.

Why It Matters

Lost income is a real part of your damages, but it’s also one of the areas insurance adjusters love to pick apart. If you don’t have proper documentation, they’ll either lowball you or deny that portion of your claim altogether. By gathering the right records from the beginning, you put yourself in the best position to be compensated fairly.

I’ve written before about how insurance companies look for any excuse to minimize your claim, and lost wages are one of the easiest targets if you don’t have solid proof.

For more general information about documenting lost income and damages, the Insurance Information Institute has some useful resources for accident victims nationwide.

The Bottom Line

If you’re serious about recovering lost income after an injury, don’t rely on a handwritten note or a self-made spreadsheet. Get the records. Get the employer statement. Get the paperwork that makes your claim undeniable. And if you’re not sure how to do that, that’s where I step in—I know what insurance companies will accept and what they’ll reject.

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📞 Call me today if you need help proving your lost income claim. 919-929-2992
🖥️ jeffreyhowardlaw.com

Let’s have an honest conversation about what really drives the value of a personal injury claim.

Yes, medical bills matter. Lost wages matter. But if you’re wondering why some injury cases settle for thousands while others get six figures (and sometimes, very rarely, more), the answer usually boils down to pain and suffering.

If you can’t show it, you probably won’t get it.

What Is “Pain and Suffering” in an Injury Case?

“Pain and suffering” is the legal term for how your injuries affected your life on a personal level. It includes:

• Physical pain
• Emotional distress
• Loss of enjoyment of life

It’s the human side of the injury. Insurance companies don’t pay big money just because your MRI showed a bulging disc—they pay when your life actually changed because of it.

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If You Act Fine, They Think You Are Fine

This is where I see a lot of injury claims lose steam. If you:

• Don’t follow up with your doctors
• Downplay your pain
• Don’t tell your providers what you’re dealing with
• Try to “tough it out” without documenting anything…
• Don’t get much treatment
• Spend more time complaining than you do getting treatment

…then the insurance company assumes you’re doing great. And great = cheap settlement.

You can’t expect to get compensated for pain and suffering if there’s no record of your pain and no evidence that you suffered.

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Evidence of Pain = Power

I’m not saying you should exaggerate or make things up—absolutely not. What I am saying is that you need to document your pain honestly and consistently:

• Tell your doctor how your injury affects your sleep or work
• Let your physical therapist or other relevant provider know about your limitations and encourage them to document them
• Seek treatment if you don’t feel right
• Keep a journal if it helps you stay consistent

These records are what I use to prove your suffering to the insurance adjuster, or to a jury if it gets that far.

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So What’s Your Claim Worth?

If you’re curious how injury claim values are calculated, check out this earlier post I wrote:
👉 How Much Is My Injury Case Worth?
(You’ll see—pain and suffering is a huge part of the math.)

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The Bottom Line

If you’re looking for a big number, you have to be willing to talk about the hard stuff. Your injuries, your stress, your pain. It’s not just about x-rays and bills—it’s about how your life has been disrupted. And that only works if you help me document it.

I’m here to build your case. But I can’t do that if you suffer in silence.

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📞 Call me if you’ve been injured and need real help building a case that tells your full story.
🖥️ jeffreyhowardlaw.com

If you’ve been hurt in an accident and you’re covered by Medicaid, you’re probably anxious to get your settlement check and move on with your life. I get it. But if you’re wondering why it’s taking so long, let me give you the short version:

It’s because we’re waiting on Medicaid.

And they don’t exactly move at lightning speed.

What’s the Hold-Up?

When someone on Medicaid gets a personal injury settlement, the law says Medicaid has a right to be paid back for any medical expenses they covered related to the injury. That’s called a Medicaid lien, and we absolutely have to know what that amount is before we can finalize your case and send out any money.

Sounds simple, right? It’s not.

Getting that lien amount from Medicaid takes weeks, sometimes even months. We have to request it, wait for them to process it, sometimes follow up multiple times, and only then do we get the final number. Until that happens, I can’t legally or ethically release any funds.

Can’t You Just Estimate It?

Nope. I wish I could. But the rules don’t work that way. If we guess wrong and don’t withhold enough, Medicaid can come after me—and worse, they can come after you. That’s not a risk I’m willing to take with your money or my law license.

Here’s the statute that governs it: N.C. Gen. Stat. § 108A-57. It lays out exactly what has to happen before settlement money can be distributed when Medicaid has paid for any of your treatment.

Didn’t You Write About This Before?

Yes, and if you want a more in-depth look at how Medicaid liens work, check out my earlier blog post here:
👉 Understanding Medicaid Liens in NC Injury Cases

The Bottom Line

If you’re on Medicaid and you’re expecting an injury settlement, please be patient. The delay is not about me dragging my feet—it’s about waiting on the government to tell us what they’re owed. I follow up. I push them. I keep your case on my radar. But this part is outside of anyone’s control except the folks processing the lien.

When I say I’ll get you paid as fast as the law allows, I mean it. Just understand that when Medicaid’s involved, “fast” is a relative term.

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📞 Have questions about your injury case and Medicaid? Call me.
🖥️ jeffreyhowardlaw.com

Let me deal with the red tape—so you don’t have to.

Big changes are coming to North Carolina’s traffic laws in July 2025, and if you’re a young driver—or the parent of one—you need to pay attention. The state is overhauling how insurance companies treat things like Prayers for Judgment (PJCs) and traffic infractions, and it’s going to be a lot harder to keep your insurance premiums under control in the event of a ticket.

Let me break it down for you.

1. One PJC Every Five Years—That’s It

Starting July 1, 2025, insurance will only ignore one Prayer for Judgment every five years. That’s per policy, not per driver. Criminal court might still let you use two PJCs in five years to avoid license suspension, but don’t expect insurance companies to give you the same break. If you’ve used a PJC 3–4 years ago and try to use another, your rates could spike.

Translation: That PJC you thought was a get-out-of-jail-free card? Not anymore. Use it wisely.

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2. “Clean Record” Now Means 5 Years, Not 3

Used to be, if your record was clean for 3 years, a small speeding ticket (like 10 mph over the limit, or less) wouldn’t affect your insurance. That grace period is now 5 years. One little mistake—like driving 44 in a 35—can now cost you a 40% rate increase if your record isn’t squeaky clean for five full years.

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3. Certain Convictions Will Haunt You for 5 Years

If you’re convicted of a traffic offense that carries 4 or more points (think Reckless Driving), that conviction sticks with you for 5 years instead of 3. Some of these offenses can result in 90% or higher rate increases, and now you’re stuck with that penalty for two extra years.

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4. Young Drivers: The Surcharge Now Lasts 8 Years

Previously, the “Young Driver Surcharge” (that lovely little penalty for just being young and breathing behind the wheel) lasted 3 years. Now, it’s going to last 8 years for anyone who gets their license after July 1, 2025.

Here’s the kicker: they’ll dangle a little “safe driver discount” carrot after the first 3 years—but any conviction (even a PJC) kills your chance of ever qualifying for that discount. Forever.

One mistake in those 8 years = no discount. Ever.

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5. Miss Court? Insurance Might Jack Your Rates

There’s a new twist on what counts as a “conviction.” Now, not just guilty pleas and verdicts count—so do bond forfeitures, meaning if you skip court and don’t get your bond reinstated, it could show up on your insurance like a conviction.

Lesson: Don’t miss court. Ever.

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So, What Does This Mean for You?

It means that every traffic ticket, every decision you make after getting pulled over, just got a lot more serious. What used to be a minor hiccup can now jack up your rates for half a decade, or cost a young driver thousands in unnecessary premiums.

And this is where I come in.

If you’ve gotten a ticket—or your kid has—and you’re not sure how to handle it, don’t wait. Don’t just “pay it off.” The insurance impact alone could cost you more than legal representation. I know how to navigate the new laws, minimize the long-term damage, and advise you on whether that PJC is really worth using.

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📞 Contact me today before your “minor” traffic ticket becomes a financial headache.
🖥️ jeffreyhowardlaw.com

Let’s fix it before it gets expensive. 919-929-2992

Let’s talk about bad reviews. Every attorney—scratch that, every professional in just about any service industry—has one. Maybe two. Sometimes more. And if you’ve been practicing law long enough, you’ll notice a pattern: The loudest, nastiest reviews rarely come from people who had a bad case outcome due to bad lawyering. They come from people who lost because of their own actions or failure to act—and needed someone else to blame for it.

I know this might rattle a few egos, but let’s get real. When someone leaves a one-star review for an attorney they barely listened to, didn’t follow instructions from, or expected miracles from in impossible circumstances, that review says a lot more about them than it does about the lawyer.

Bad Reviews 101: A Guide to Dodging Responsibility

Here’s the classic setup:

1. Client gets into a mess—legally, financially, medically, or all of the above.
2. Client hires an attorney.
3. Client expects said attorney to immediately turn water into wine and somehow erase all consequences of their own decisions. Client refuses to follow attorney advice, even in simple matters, that could help their outcome.
4. Reality sets in. The legal system doesn’t work like a Marvel movie. Client maybe doesn’t get what they want due to their own actions/inactions, or sometimes they DO get what they want, despite themselves, and still are mad at the world.
5. Instead of accepting that they’re (nominally) an adult and have some agency, they slam out a keyboard tantrum in the form of a Google review.

Now, to be clear: I’m not above criticism. If someone has a legitimate complaint about my service, I take it seriously. But 99 times out of 100, the people leaving bad reviews aren’t really reviewing the attorney—they’re venting about their own life choices and frustration that I couldn’t legally time travel to fix for them, or they’ve simply refusing to accept any degree of responsibility for their own actions or failure to act when advised.

What’s REALLY frustrating about this for attorneys is that the Bar tells us we can’t explain the situation in response to the review, as to give details about the representation would be a betrayal of attorney/client privilege. That’s horrifying, because what it really means is that we are at the total mercy of some keyboard warrior anytime they’re pissed off at the world. They can give us as many 1-star reviews as they want, even when we’ve performed admirably, and those reviews can cost us THOUSANDS of dollars.

As a result, I won’t give a lot of detail in response to any bad reviews I get (they are thankfully few and far between). But if you happen to see some on my profile or another attorney’s, here are some translations that might be helpful to understand what probably really happened:

“He Didn’t Care About My Case”

Translation: I didn’t get the result I fantasized about, despite doing very little to help myself, ignoring advice, and possibly lying during intake.

“She Didn’t Communicate With Me!”

Translation: I called fifteen times in one week and expected a personal TED Talk every time I had a random thought about my case.

“He Was Mean To Me!”

Translation: I wanted this attorney, who deals exclusively with X and Y, to give me advice on A and B, and he refused to answer my questions. Or I asked a really stupid question repeatedly, or made really offensive assumptions, and he pointed out my stupidity.

Now, this one has a special place in my heart, because I can sometimes be quick to call people out on their nonsense. If I don’t handle family law cases, or defense work for civil claims, or whatever, then I not only won’t give you any advice, I CAN’T because I don’t know anything about it. Be cool! I might be a bit brusk, that’s certainly a fault of mine (if you see it like that), but I prefer the adjectives “real” and “honest.”

“She Said THIS and THAT Didn’t Happen!”

Translation: I didn’t actually listen to what the attorney told me and only heard what I wanted to hear.

“He Didn’t Fight For Me”

Translation: I expected courtroom drama and shouting matches, but what I got was an attorney who quietly and professionally tried to negotiate a good outcome for me in a system that runs on facts—not feelings.

Let’s Be Honest

Legal representation is not magic. It’s strategy, law, timing, and evidence. I’m not your therapist, your dad, or your co-conspirator in delusion. I’m your lawyer. My job is to give you the truth, use the facts, and work within the law to get you the best possible outcome. If you want someone to validate your bad decisions, I recommend TikTok or a Reddit support group.

So the next time you read a one-star review of a lawyer, consider the source. Then scroll past it and ask:

• Did the person follow their attorney’s advice?
• Were they honest and realistic?
• Or were they looking for someone to blame because they couldn’t handle the consequences of their own actions?

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If you’re looking for an attorney who’ll shoot straight with you, fight smart, and treat your case like it matters (because it does), I’m here for that. If you’re looking for a scapegoat—keep scrolling. There are plenty of lawyers who’ll tell you what you want to hear, right up until the moment your case falls apart.

College towns, like my home town of Chapel Hill, have a unique energy—students on foot, biking to class, rideshares buzzing around, and campus events bringing heavy foot traffic. Unfortunately, this combination also increases the risk of pedestrian accidents. If you or someone you care about has been hit by a vehicle while walking, especially in a college town like Chapel Hill, Winston Salem, Raleigh, Greenville, or even Buies Creek, hiring an attorney quickly is one of the most important steps you can take to protect your rights.

Why Pedestrian Accidents Happen More Often in College Towns

College towns tend to have high pedestrian activity. Students walking to class, late-night outings, and congested campus streets create situations where drivers and pedestrians are in close proximity—and sometimes, in conflict. Add distracted driving or speeding into the mix, and accidents become all too common.

According to the National Highway Traffic Safety Administration, 7,388 pedestrians were killed in traffic crashes in the United States in 2021. That’s about one death every 71 minutes. Many of these incidents happen in areas just like ours: high-traffic zones with a lot of people on foot and drivers who aren’t always paying attention.

What You’re Up Against After a Pedestrian Accident

If you’ve been hit by a car, you may be dealing with serious injuries, medical bills, and time away from work or school. Insurance companies often act fast to minimize their liability—and if you’re a student, they may assume you’re inexperienced or not in a position to push back. That’s where I come in.

I’ve handled personal injury cases since my first year of practice back in 2001 (before you college kids were born), and I know how to navigate these situations. Whether it’s gathering evidence, dealing with insurers, or making sure your medical bills are accounted for, I make sure your case gets the attention it deserves.

Timing Matters—Don’t Wait to Get Help

Pedestrian accidents are often more complex than they seem. The longer you wait to speak with a lawyer, the harder it can be to track down key evidence like surveillance footage or witnesses. That’s why I always encourage people to get legal help right away. You can read more about why you shouldn’t wait to hire an attorney after an accident here.

What I Do for You

When you hire me, you get personal, one-on-one attention from the moment you call. I investigate the facts, talk to the insurance companies so you don’t have to, and work to recover compensation for:

• Medical bills (past and future)
• Lost wages
• Pain and suffering
• Permanent injuries or disfigurement

If the driver who hit you was speeding, drunk, distracted, or otherwise negligent, I make sure that gets documented and brought to light.

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If you’ve been hit by a car, don’t try to go it alone. Call me, Jeffrey Allen Howard, and let me deal with the nonsense while you focus on healing.

📞 Call 919-929-2992
🌐 jeffreyhowardlaw.com

t’s one of the most overlooked issues in auto accident cases: whether or not you have health insurance. Most people focus on the strength of their personal injury claim—who was at fault, how badly they were hurt, whether there’s insurance coverage. And those things do matter. But here’s a hard truth that surprises a lot of people: even with a “good case,” you can still end up in a financial bind if you don’t have health insurance.

Let me explain why.

There’s Often a Limit to How Much Money Is Available

In North Carolina, the driver who caused the accident typically has liability coverage through their auto insurance, but that coverage is often limited. The state minimum is $50,000 per person for bodily injury as of 2025 (it was $30,000 per person for 2024 and before cases). If your medical bills, lost wages, and pain and suffering exceed that amount, you may be stuck—unless the at-fault driver has more coverage or you carry underinsured motorist protection (and even then, those policies have limits too).

In other words: the value of your case may be high, but the available money may not be.

Health Insurance Can Keep Your Case From Sinking

When you have health insurance, your medical providers usually bill your health plan first. The insurer then pays a discounted, negotiated rate. These discounts—often called “adjustments”—mean the actual amount you owe for your treatment is often far less than the full sticker price.

For example, if a hospital bills $10,000 for treatment, your health insurance might only pay $3,000 and write off the rest. That’s a $7,000 reduction in your total medical bills. And when it comes time to settle your injury claim, those reductions can make a huge difference in how much money you get to keep after all the bills and liens are paid.

If you don’t have health insurance, you may owe the full $10,000—and that can leave you in an impossible position when the settlement money runs out.

No Insurance? You Could Be Stuck With Medical Debt

Here’s where things get tough. Without health insurance, you may be treated on a “lien basis,” where providers agree to wait for your case to settle before getting paid. But they still want full price—and they may not budge. That can drain most (or all) of your settlement, leaving you with little or nothing to show for your case.

You may even end up worse off financially than someone with less serious injuries, just because you didn’t have coverage to negotiate your bills down.

The Bottom Line

Having health insurance is not just about access to care—it’s a critical tool that helps preserve the value of your injury claim. It gives you leverage, reduces what you owe, and protects your financial well-being when a case settles.

Even if the other driver was 100% at fault, and even if your injuries are clearly related to the accident, you still need to think about how your medical expenses will be handled. Health insurance makes a huge difference.

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If you’ve been injured in a car accident and have questions about how to protect yourself financially, contact Jeffrey Allen Howard, Attorney at Law, PLLC. I’ll help you understand your rights, your options, and how to get the most from your claim—without unnecessary surprises.