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Car crashes are one of the leading causes of property damage throughout North Carolina. However, while many people focus on the physical injuries that may result from a collision, an at-fault driver might also be responsible to compensate an injured person for all their losses, including property damage and psychological anguish.

However, navigating the complex system of insurance companies and negotiations might be a frustrating experience, especially for an underprepared claimant. Many cases of property damage might be entirely covered by insurance policies, while other cases may involve drivers who only have coverage to protect them in the event of physical injury.

When an at-fault driver does not have collision coverage, an injured plaintiff might need to go to court in order to collect the compensation needed to repair their vehicle. If you were involved in a car wreck, a Raleigh motor vehicle damage claim may be able to get you the compensation you deserve. A skilled property damage lawyer could help you to explain each step and build a case on your behalf.

Auto Insurance Requirements in Raleigh

North Carolina law requires all motorists to obtain a car insurance policy that contains liability coverage. This means that a policy must cover any physical injuries and property damage that a driver inflicts upon another motorist—specifically, for property damage, a qualifying policy must provide a minimum of $25,000 of liability coverage per accident.

These insurance policies might cover most or all of the property damage sustained in a crash. However, to receive payment, a person needs to file a claim with the defendant’s insurance company, as well as prove that the driver was at-fault. Demonstrating the negligence necessary for a successful claim might prove difficult, however. An attorney with knowledge of motor vehicle damage claims in Raleigh could help a claimant throughout this process.

Motor Vehicle Damage and Uninsured Drivers

Despite North Carolina’s laws concerning driver coverage, not every driver obtains or keeps the required insurance. It is sadly common that many drivers allow their insurance to lapse and are, therefore, driving without any protection for themselves or other drivers. In other cases, an accident might occur between a Raleigh resident and a driver from another state where collision coverage is not required by law.

In these instances, a claimant may need to sue the defendant directly in a civil court in order to demand compensation. This involves selecting the proper courthouse, compiling a complaint that outlines the demands, and appearing in court to argue the case. A seasoned lawyer could help a person seeking compensation through a damage claim in bringing their case to court and arguing for compensation on their behalf.

Time Limit to File a Claim in Raleigh

North Carolina has a statute of limitations that places a deadline on when a claim may be filed. Pursuant to North Carolina Statute §1-52, any claim for property damage must be filed within three years from the date of the incident.

Because of this, it is advisable for a claimant to act as quickly as possible in order to protect their rights. While there might be exceptions, a claim that has been filed after the statute has expired runs the risk of facing a dismissal.

How a Raleigh Motor Vehicle Damage Claim Might Help

Naturally, a person’s primary concern following a car wreck is often their personal health, as the aftermath of an incident might leave them severely injured and in need of immediate medical care. However, while this can certainly form the core of a lawsuit against the negligent driver, individuals may also make claims for the money needed to fix their vehicle.

A Raleigh motor vehicle damage claim might be able to provide this compensation. Whether or not a negligent defendant driver carried the required insurance at the time of the accident, they might be held responsible to pay for any losses to your property. A well-practiced and dedicated attorney could help you to determine if the defendant had auto insurance, as well as to work to determine negligence in order to request compensation for your losses. To see how legal counsel might help you, call today.