From Out of State, but Accident in NC
This kind of scenario can get wacky. You’re visiting our fine state of North Carolina, and BOOM, you’re in a car wreck. Whose insurance does what? How does this all work?
It can get really complicated. In fact, I can’t even really begin to cover all of the different variables in a short blog post, but here are some things to think about:
- Address your health care needs and worry about who is going to pay for it later.
- Make sure law enforcement creates an accident report. You might not get it on the scene, but you should at least get a drivers’ exchange form so you know who all was involved.
- Consider whether you have PIP coverage in your state. That might make a big difference in how you handle this. You should seek counsel in NC, and maybe from your home state, too.
- Generally speaking, if you have health insurance, use that for your EMS, hospital visit (unless you have PIP, maybe!)
- You should probably make a claim against the at-fault party’s insurance, assuming they are an NC insured. But consider whether you want to seek legal counsel before you make any statements
There are a ton of moving parts here, and some potential pitfalls. As always, it’s probably smart to talk to a lawyer as soon as possible. So call me. 919-929-2992
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