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call US at (704) 759-6110

10550 Independence Pointe Pkwy, Ste 200
Matthews, NC 28105

(704) 759-6110

Semirog Law Firm, pllc is a personal injury and auto accidents law firm located in Charlotte and Matthews, North Carolina.   We are committed to providing quality legal services in a dedicated and cost-effective manner to all members of our community, regardless of race, gender, or national origin.

We have handled complicated litigation in the areas of personal injury, car wrecks, truck accidents, family and business law.  In addition, we have experience in real estate law and short-sale negotiations.

We offer standard and flexible billing arrangements for our clients, such as flat fee billing, hourly billing, and contingency fee billing depending on the type of legal matter.


Matthews North Carolina personal injury and auto accident attorneys and Charlotte North Carolina personal injury and auto accident and car accident and motorcycle accident attorneys.

Read our blog where we post recents news in developments in the personal injury and car and auto accidents law in North Carolina.  Learn interesting facts and legal concepts that will help you in your daily life.

Auto-Accident Damages

Serge Semirog

Most people when they file an auto claim with at-fault insurance company just ask to be compensated for the accident in whatever fashion the insurance company sees fit.  

Naively, most expect that insurance company will treat them fairly and pay them all they deserve.

What they need to understand is that damages come in a variety of types and you have the right to recover all damages applicable to your situation.  Damages can be divided into two main categories: property damage (PD) and bodily or personal injury (BI).  

Property Damage

Diminished Value: If your car lost value as a result of the accident, the insurance company must pay you the difference.  This is calculated by finding the difference between the fair market value before the accident and what it would sell for afterwards.

Loss of Use of Vehicle: The insurance company must pay back the driver for every day he/she can't use their vehicle unless insurance provides a rental.  You loose the use of your vehicle while its not drivable or in a repair shop and therefore entitled to recover for such loss of use. 

Personal Injury

Medical Expenses: This includes all bills from medical facilities, hospital physicians, chiropractors - any medical practitioner that treated you for your injuries.

Pain and Suffering: Normally included in the lump sum settlement payment, this compensates you for the pain and suffering both physical and emotional caused by the accident.

Loss of Business Income or Earnings: If you were employed at the time of the accident, you can recover the wages or business income lost because you were unable to go to work or partially disabled or incapable of performing the normal work duties.  

Scarring and Disfigurement: As a result of the accident you could sustained and therefore can be entitled to financial compensation for the cost of a scar revision surgery. 

Permanent Injury: Sometimes, passengers in a car during a motor vehicle accident may continue to feel the side effects of the injuries for the rest of his or her life.  As a result, the insurance company must compensate you for any future medical treatment you may require.

Future Worth in Present Value: Finally, if the aggrieved believes he or she will continue to incur various expenses as a result of the accident, he or she must be compensated.  

However, the courts have will generally awarded the present (discounted) value of any future payments.

By Serge SemirogGoogle +