Personal Injury Lawyer
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Contact the Law Offices of James Scott Farrin
1-866-900-7078
Contact the Law Offices of James Scott Farrin 1-866-900-7078

What If I'm a Passenger with a Friend or Family Member, and We Are in an Accident that Was Their Fault?

CarAccident2_07212014When you are driving and get into an accident in which the other driver was at fault, you might not think twice about trying to get the compensation you need for your injuries and damages to your property. But when your friend is driving the car and was at fault in the accident, you might hesitate. After all, you probably don't want to take legal action against your friend.

You are likely entitled to compensation for your injuries if you are involved in an accident that was not your fault -- even if a friend or family member is the person who is at fault. However, it's usually not your friend or family member who you are going after for those damages; it's the insurance company.

Insurance coverage is legally required to provide protection against injuries and damages in an accident, so your friend or family member should already be carrying that coverage. When you pursue compensation, you will generally pursue it from that insurance company.

You may also worry that going after your friend or family member's insurance company for damages will raise their rates. However, as Attorney Michael Jordan points out, in most cases, their rates will already have increased from the accident. There is a cap on how much insurance companies can raise rates for an accident, and chances are that your friend's policy has already hit that cap after the accident.

While it is important to protect relationships with friends and family members, it is also important to get the medical treatment you need for your injuries and to protect yourself against serious financial losses as a result of injuries or time lost from work. By pursuing the compensation you need, you are targeting the insurance company, not your friend or family member. Deciding not to pursue that compensation will only hurt you in the long run, not help your friend or family member.

North Carolina Personal Injury Lawyers

If you have been injured in an accident, a personal injury lawyer may be able to help guide you through the process to help you protect your legal rights and get the full compensation that you may deserve. Call the Law Offices of James Scott Farrin at 1-866-900-7078 for a free evaluation of your case and to find out how one of our North Carolina personal injury lawyers may be able to help you.

What is the difference between my DMV record and points on my insurance policy?

Confused2_07082014Many people are confused about how the information on their driving record may differ from what is found on their insurance policy. The points you accrue on your North Carolina driving record may not be the same as the points your insurance company assigns to your policy to determine your rates.

As North Carolina Personal Injury Attorney Michael Jordan explains, the North Carolina Division of Motor Vehicle (NC DMV) assigns points to your driver's license when you are found at fault in an accident or are found guilty of a traffic violation, such as speeding or running a red light. If you accumulate a certain number of points, you can have your license suspended or revoked.

Some common violations and their points include:

• Failure to stop for a stop sign or siren: 3 points
• Speeding more than 55 miles per hour: 3 points
• Reckless driving: 4 points
• Hit and run (property damage): 4 points
• Passing a stopped school bus loading or unloading children: 5 points
• Aggressive driving: 5 points

If you get 12 or more points within a 3-year period, your license may be suspended for up to 60 days.

The Department of Insurance determines the points that are used to calculate your insurance rates, and these points are completely separate from the points the NC DMV uses. The points your insurance company uses are based on accidents, liability claims against you, and any other incidents in which you were found at fault and your insurance company had to pay a claim.

Under this system, it is possible to have a ticket dismissed and to not receive any points on your driving record but to still have points counted against your insurance policy.

Of course, the best way to keep your insurance rates down is to practice safe driving and to maintain a clean driving record.

North Carolina Personal Injury Lawyers

If you have been injured in an accident, you may be entitled to legal compensation for your injuries. Contact the Law Offices of James Scott Farrin at 1-866-900-7078 for a free evaluation of your case to find out if one of our North Carolina personal injury lawyers may be able to help you.

Contact Information

Raleigh Law Office

5848-100 Faringdon Place
Raleigh, NC 27609
Phone: 919-834-1184
Toll Free: 1-866-900-7078

Durham Law Office

280 South Mangum Street, Suite 400
Durham, NC 27701
Phone: 919-688-4991
Fax: 800-716-7881

Fayetteville Law Office

517 Owen Drive
Fayetteville, NC 28304
Phone: 910-488-0611
Toll Free: 1-866-900-7078

Charlotte Law Office

201 McCullough Drive, Suite 220
Charlotte, NC 28262
Phone: 704-599-1078
Toll Free: 1-866-900-7078

New Bern Law Office

1505 South Glenburnie Rd, Unit P
New Bern, NC 28562
Phone: 252-634-9010
Toll Free: 1-866-780-3422

Greenville Law Office

702 G Cromwell Dr.
Greenville, NC 27858
Phone: 252-355-5205
Toll Free: 1-866-780-3227

Greensboro Law Office

300 N. Greene Street, Suite 850
Greensboro, North Carolina 27401
Phone: 336-665-7072
Toll Free: 1-866-900-7078

Goldsboro Law Office

214 South William Street, Suite 3
Goldsboro, NC 27530
Phone: (919)-731-2581
Toll Free: 1-866-900-7078

Henderson Law Office

514 Dabney Drive, Suite 200
Henderson, NC 27536
Phone: 252-492-4600
Toll Free: 1-866-900-7078

Roanoke Rapids Law Office

709 Julian R. Allsbrook Highway
Roanoke Rapids, NC 27870
Phone: 252-537-9670
Toll Free: 1-866-900-7078

Rocky Mount Law Office

3202 Sunset Avenue, Suite B
Rocky Mount, NC 27804
Phone: 252-937-4730
Toll Free: 1-866-900-7078

Sanford Law Office

703-B South Horner Boulevard
Sanford, NC 27330
Phone: 919-775-1564
Toll Free: 1-866-900-7078

Wilson Law Office

2315 Airport Blvd Suite A
Wilson, North Carolina 27896
Phone: 252-246-9090
Toll Free: 1-866-900-7078

Winston-Salem Law Office

301 N. Main Street, Suite 2409-C
Winston-Salem, NC 27101
Toll Free: 1-866-900-7078