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

Should I Wait for Final Insurance Offers to Decide If I Need a Lawyer?

The short answer to this question is a resounding no!

Rarely, is it advisable to wait until the insurance company makes an offer before deciding to consult a lawyer. In fact, it's rarely a good idea to wait until the insurance company is ready to settle your claim before consulting one.

Why You Shouldn't Wait to Contact a Lawyer

Why don't we advise waiting? Because the clock begins to run out on your claim the moment you're injured.

You only have 30 days to file

  • Notify your employer of the injury in writing as soon as possible within that 30-day window.
  • Notify your employer orally if you can. (Oral notification is not required, but it's in your best interest.)
  • File a claim with the NC Industrial Commission within 30 days of your injury.

Many crucial decisions will need to be made and necessary paperwork properly filed early on. If not done promptly and properly, it could hinder your chance to receive all the benefits you may be entitled to under the North Carolina Workers' Compensation Act - including medical care and wages. The process can be highly bureaucratic and can trip up even the most diligent filers.

Because our attorneys work on a contingency basis (you don't pay us an attorney's fee unless we recover money for you), the cost is the same whether you hire an attorney from the get go or later in the process. An attorney can potentially get more done on your behalf in less time because we navigate this process daily, we have the paperwork at our disposal, we have relationships with most insurance companies, and with the Industrial Commission, if there's an issue needing immediate attention.

Mistakes Often Made Without an Attorney

Injured workers may mistakenly believe that the insurance company and their employer will take all necessary steps to ensure their claim for benefits is properly managed in a timely fashion. We've seen otherwise.

Be forewarned: Delay by the injured worker, the employer, or the insurance company, can quickly sabotage a workers' compensation claim. This could potentially result in even greater compensation losses, and possibly a longer road to recovery.

Once an injury is reported, the insurance company may rush you to give them a recorded statement. What you say may be turned around, misconstrued, taken out of context, and could potentially be used against you. Your own words may even cause your claim to be denied. When you're talking to an insurance adjuster you are talking to someone who has a better understanding than you of the ins and outs of the workers' compensation process.

The insurance company may offer you money to settle your case at any point during the process. What we've found is that some insurance companies may offer as little money as possible as soon as possible so they can close your case. They know that your wage-earning capacity has been affected and that you need to pay your mortgage, rent, utilities, car payment, etc., so you may be more inclined to take their offer. Once your case is closed - they're off the hook for further reimbursement. That's just good business in their world.

4 Ways a Worker's Compensation Lawyer Can Help You

At the Law Offices of James Scott Farrin, more than half our workers' compensation attorneys are North Carolina Board Certified Specialists in workers' compensation law. Fewer than 1%*of the 28,000 attorneys in North Carolina are NC board certified workers' compensation attorneys. We can help:

  1. Even the playing field. Our experienced workers' compensation team deals with insurance companies, employers, the Industrial Commission, medical personnel, and all the players in between, day in and day out.
  1. Prepare to give a recorded statement to the insurance company. How you state your answers to their questions - although truthful - can potentially help or hurt your claim. Depending on the type of injury, some may not even manifest until days or weeks later. If you give a statement too soon, that injury may not get recorded.
  1. Try to make sure you have received all necessary treatment. Trying to get you all the treatment necessary helps ensure we've left no stone unturned toward your recovery. After all, if your case has settled, and you find out two months later that those headaches were the result of a mild concussion from your injury, you will not be reimbursed for additional treatment.
  1. Evaluate the insurance company's offer to make sure it is reasonable and fair. Experience has taught us that when the insurance companies make offers, they are not always reasonable - or fair. We've negotiated enough claims for our clients to know what is best in each unique situation.

2016 U.S. News - Best Lawyers® "Best Law Firms"

The Law Offices of James Scott Farrin received the 2016 U.S. News - Best Lawyers® "Best Law Firms" Tier 1 ranking (the highest ranking) for Workers' Compensation in the greater Raleigh area**. This achievement came from nearly 700,000 law firm assessments and more than 47,000 client evaluations.

Give us a call at 1-866-900-7078 and let one of our workers' comp attorneys - evaluate your situation for free.

* Statistics from North Carolina State Bar, through December 31, 2015

** Visit for more information about criteria for inclusion

Mr. Smith joined the workers' compensation department of the Law Offices of James Scott Farrin in 2014.

He received his J.D. from Elon University School of Law, where he attended on an academic scholarship. His accomplishments there included being named to the Dean's List, a Moot Court member, and a semifinalist in a moot court competition. Prior, Mr. Smith received his B.A. from North Carolina State University, where he majored in Political Science with a concentration in Criminal Justice.

Contact Information

Asheville Law Office

300 Ridgefield Court Suite 309
Asheville, NC 28806
Phone: 828-552-8215
Toll Free: 1-866-900-7078

Charlotte Law Office

301 S McDowell St, Suite 900
Charlotte, NC 28204
Phone: 704-599-1078
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

2915 Raeford Road, Suite 204
Fayetteville, NC 28303
Phone: 910-488-0611
Toll Free: 1-866-900-7078

Goldsboro Law Office

1308 Wayne Memorial Drive, Suite B
Goldsboro, NC 27534
Phone: 919-731-2581
Toll Free: 1-866-900-7078

Greensboro Law Office

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

Greenville Law Office

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

Henderson Law Office

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

Morganton Law Office

216 N. Sterling Street, Suite B
Morganton, NC 28655
Phone: 828-219-3080
Toll Free: 1-844-520-2894

New Bern Law Office

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

Raleigh Law Office

4325 Lake Boone Trail, Suite 100
Raleigh, NC 27607
Phone: 919-834-1184
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

144 Woodridge Court
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