Charlotte, North Carolina (NC) Personal Injury and Car Accident Lawyer
Rosensteel Fleishman, PLLC is a Charlotte, NC based law firm whose lawyers proudly serve individuals in Charlotte, Concord, Monroe, Statesville and across North Carolina who have been injured in automobile accidents, slip and falls and other personal injuries.
Over a thousand people per week come to www.charlottepersonalinjury.info and www.rflaw.net looking for help with their NC legal needs. The Lawyers and staff of Rosensteel Fleishmam, PLLC thank you and invite you to contact us with any questions onhow we can help with your NC personal injury.
 NC Car Accident Frequently Asked Questions
After an individual gets into a car accident in NC they typically have numerous questions about what to do next. Below are some of the most frequently asked questions posed to our Charlotte personal injury attorneys.
Property Damage Questions
1. What determines if my car is a total loss?
2. Do I get a rental car?
3. What happens if I disagree with the insurance adjuster’s appraisal of damage?
PROPERTY DAMAGE QUESTIONS
QUESTION ONE
What determines if my car is a total loss?
ANSWER
In NC a vehicle is deemed a total loss if it is damaged 75% of the actual cash value (ACV) of the vehicle. This means that if the car is worth $10,000.00 and it will take $7,501.00 to fix it, it is deemed a total loss. As such, the issue typically boils down to determining the ACV of the vehicle and the cost of repair. In many situations our Charlotte personal injury attorneys have been successful in convincing an adjuster to total out a vehicle below 75%. For a more detailed article on NC property damage please see NC Auto Accidents and Property Damage
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QUESTION TWO
Do I get a rental car?
ANSWER
After you are involved in a Charlotte NC car accident the law entitles you to compensation for the loss of use of your vehicle. This is typically calculated using a dollar amount per day for the loss of use. Many car insurance companies, to escape paying the individual directly for their loss of use pay for a rental vehicle. Many people involved in a NC car accident do not realize however, that they are entitled to be compensated for the time between the accident and the time they get a rental vehicle.
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QUESTION THREE
What happens if I disagree with the insurance adjuster’s appraisal of damage?
ANSWER
The answer (or more correctly your options) depends on whether you are handling the property damage portion of your claim under your collision coverage or the other person’s liability insurance. Regardless, the Charlotte personal injury attorney assigned to your case will explain to you that the insurance adjuster’s appraisal has limited value. In NC, the adjuster is not able to break down your vehicle or even enter it without your permission. The adjuster can merely walk around the vehicle and take pictures. As such, the appraisal that matters is that of the body shop. If you have been involved in a NC car accident you have the right to take your vehicle to a body shop of your choosing. The body shop’s appraisal will be compared to the adjuster’s. As long as it can be shown that the damage to the vehicle was a result of the NC car accident the adjuster is responsible to pay for it (regardless of his/her original appraisal).
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Call (704) 714-1450 to make an appointment to speak with a Charlotte, NC personal injury attorney, or stop by the office during regular business hours. We understand that the last thing you need to do at this time is miss a doctor's appointment or more time from work. We will schedule an appointment that meets your needs.
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