What is the difference between property damage and bodily injury?
Property damage involves the actual physical damage done to your vehicle. This claim is generally handled by a different adjuster than the one we will deal with for your bodily injuries. The property damage claim involves the possibility of receiving a rental car while your vehicle is being fixed. However, there are times when it easier to go through your own insurance company and let them subrogate with the defendant’s company.
We do not generally get involved with the property damage claim. Generally speaking, since this negotiation is all based on market value of your vehicle, there is little additional help that we can offer. Also, we find it is easier for the property damage adjuster to be able to schedule the work directly with you, since you know your schedule best. However, if the property damage adjuster ever asks about your injuries, you may immediately refer them to our firm, by simply stating, “ I am represented by counsel for my injury claim”. Obtaining a rental car is also handled through the property damage adjuster.
A bodily injury claim is your personal injury claim for damages against the driver or negligent defendant. This claim includes pain and suffering, medical expenses, scarring and disfigurement, as well as any permanent injury you suffered.
How long is this going to take?
While it is true that the wheels of justice grind slowly, they do move. At our law firm, we pride ourselves in our ability to move your case efficiently and expeditiously. The time a case takes to resolve is directly dependent on the complexity of the case, whether liability is challenged or not, and the overall congestion in our judicial system. Some counties in North Carolina can set a case for trial months after it is filed, while others can take over a year to schedule a trial date. A good rule of thumb is that a lawsuit takes 12-18 months before a jury returns a verdict.
Why is the insurance company asking me to pay for the rental?
If you do not have full coverage on your own vehicle, the rental company will require you pay for it on the rental car. This is their policy and we cannot alter it.