In that case, make sure that you understand:
The subrogation laws of North Carolina?
Your coverage for underinsurance and the set-off laws of North Carolina?
What is the statute of limitations on your case?
The true value of your case?
What is contributory negligence and "last clear chance" doctrine?
How to read an excess letter?
When to file suit and when not to file suit?
What is punitive damages and when can you claim it?
How to get your hospital and doctor bills reduced and much more.
If any of the above confuses you - then get competent representation instead.