You've been in an accident - now what? This comprehensive guide will walk you through the essential steps and considerations involved in pursuing a personal injury claim in North Carolina.North Carolina requires that you must file your claim within three years of the date of the accident to preserve your claim. Call us at 704-370-2828 or fill out our online contact form. To file a MedPay claim in North Carolina, you must contact your auto insurance provider and file the necessary claim paperwork. North Carolina insurance companies do not offer personal injury protection (PIP) coverage to motorists. North Carolina is one of the only states that still follow this strict contributory negligence standard when deciding personal injury claims. Your Liability coverage will pay for bodily injury and property damage for which any covered individual becomes legally responsible. Filing a personal injury claim involves several essential steps to seek compensation for injuries sustained due to another party's negligence. Before filing an insurance claim, you must complete the medical care you require, including rehabilitation.