Can I request the auto coverage information of the driver who hit me?

Asked on September 3, 2014 under Accident Law, North Carolina

Answers:

S.L,. Member, California Bar / FreeAdvice Contributing Attorney

Answered 6 years ago | Contributor

You can request the auto coverage information from the at-fault party's insurance carrier, but the insurance carrier is not required to provide it.

If you are able to obtain that information, you will then know the policy limits and seek to recover that amount in settlement negotiations.  If the policy limits are inadequate and the case is not settled with the insurance company, you can file a lawsuit for negligence against the at-fault party and seek to recover more than the policy limits.

Your auto accident has two separate claims, one for property damage (the cost of repairs to your car) and the other claim is for your personal injury.  Your personal injury claim includes compensation for the medical bills, pain and suffering, and wage loss.

Compensation for the medical bills is straight reimbursement.  Compensation for pain and suffering is an amount in addition to the medical bills based on the imformation in the medical reports  which document the nature and extent of your injury.  Compensation for wage loss is straight reimbursement.

If the case is NOT settled with the at-fault party's insurance carrier, you must file your lawsuit for negligence against the at-fault party prior to the expiration of the applicable statute of limitations or you will lose your rights forever in the matter.

If the case is settled with the at-fault party's insurance carrier, NO lawsuit is filed.


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