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        <title><![CDATA[Insurance Law - The Richardson Firm]]></title>
        <atom:link href="https://www.therichardsonfirm.com/blog/categories/insurance-law/feed/" rel="self" type="application/rss+xml" />
        <link>https://www.therichardsonfirm.com/</link>
        <description><![CDATA[The Richardson Firm's Website]]></description>
        <lastBuildDate>Tue, 08 Jul 2025 02:57:25 GMT</lastBuildDate>
        
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            <item>
                <title><![CDATA[The Fayetteville N.C. Legal Landscape in 2025]]></title>
                <link>https://www.therichardsonfirm.com/blog/the-fayetteville-n-c-legal-landscape-in-2025/</link>
                <guid isPermaLink="true">https://www.therichardsonfirm.com/blog/the-fayetteville-n-c-legal-landscape-in-2025/</guid>
                <dc:creator><![CDATA[Matt Richardson]]></dc:creator>
                <pubDate>Mon, 07 Jul 2025 19:26:49 GMT</pubDate>
                
                    <category><![CDATA[Company News]]></category>
                
                    <category><![CDATA[Criminal Law]]></category>
                
                    <category><![CDATA[Custody]]></category>
                
                    <category><![CDATA[Divorce]]></category>
                
                    <category><![CDATA[Family Law]]></category>
                
                    <category><![CDATA[Insurance Law]]></category>
                
                    <category><![CDATA[Personal Injury]]></category>
                
                    <category><![CDATA[Traffic Law]]></category>
                
                
                
                
                <description><![CDATA[<p>Fayetteville, North Carolina is a diverse community with a dynamic and complex legal system. Cumberland County, where Fayetteville sits, is the fifth most populous county in the state. The area owes a great deal of its development to the expansion of Fort Bragg over the past several decades. Many residents come and go with military&hellip;</p>
]]></description>
                <content:encoded><![CDATA[
<p>Fayetteville, North Carolina is a diverse community with a dynamic and complex legal system.  Cumberland County, where Fayetteville sits, is the fifth most populous county in the state.  The area owes a great deal of its development to the expansion of Fort Bragg over the past several decades.  Many residents come and go with military assignments, while others have been here for generations.  </p>



<figure class="wp-block-image size-full"><img loading="lazy" decoding="async" width="769" height="315" src="/static/2025/07/image.png" alt="" class="wp-image-781" srcset="/static/2025/07/image.png 769w, /static/2025/07/image-300x123.png 300w" sizes="auto, (max-width: 769px) 100vw, 769px" /></figure>



<h2 class="wp-block-heading" id="h-current-district-court-judges-in-cumberland-county">Current District Court Judges in Cumberland County</h2>



<ul class="wp-block-list">
<li>All ten of Cumberland County’s District Court Judges, who are elected on a county-wide basis, are Democrats.  </li>



<li>Seven out of ten of our District Court Judges are women.  </li>



<li>Our District Court Judges, listed below, are elected to four-year terms: 
<ul class="wp-block-list">
<li>Cheri Siler-Mack (term ends in 2026)</li>



<li>Rosalyn Hood (term ends in 2026)</li>



<li>Frances McDuffie (term ends in 2026)</li>



<li>Tracey Henderson (term ends in 2026)</li>



<li>David Hasty (term ends in 2026)</li>



<li>Cullen Jordan (term ends in 2028)</li>



<li>Lou Olivera (term ends in 2028)</li>



<li>Toni King (term ends in 2026)</li>



<li>Caitlin Evans (term ends in 2026)</li>



<li>Tiffany Whitfield (term ends in 2028)</li>
</ul>
</li>
</ul>



<p>District Court Judges hear misdemeanor criminal matters, traffic tickets, domestic and divorce cases, juvenile cases, and civil matters where the amount in controversy is less than $25,000, among other matters.  </p>



<figure class="wp-block-image size-full is-resized"><img loading="lazy" decoding="async" width="930" height="620" src="/static/2025/07/image-1.png" alt="" class="wp-image-782" style="width:627px;height:auto" srcset="/static/2025/07/image-1.png 930w, /static/2025/07/image-1-300x200.png 300w, /static/2025/07/image-1-768x512.png 768w" sizes="auto, (max-width: 930px) 100vw, 930px" /></figure>



<h2 class="wp-block-heading" id="h-current-superior-court-judges-in-cumberland-county">Current Superior Court Judges in Cumberland County</h2>



<ul class="wp-block-list">
<li>District 12A – Stephen Stokes – Democrat (term ends in 2026)</li>



<li>District 12B – Gale Adams – Democrat (term ends in 2028)</li>



<li>District 12C – James “Jim” Ammons, Jr.  – Unaffiliated (term ends in 2026)</li>



<li>District 12C – George “Robby” Hicks – Republican (Term ends in 2030).  </li>
</ul>



<p>Superior Court Judges have “<a href="https://www.ncleg.gov/EnactedLegislation/Statutes/PDF/BySection/Chapter_7A/GS_7A-271.pdf">exclusive, original jurisdiction over all criminal actions not assigned to the district court</a>.” They also hear civil matters with an amount in controversy exceeding $25,000, as well as other complex matters.  </p>



<h2 class="wp-block-heading" id="h-district-attorney-and-other-offices">District Attorney and Other Offices </h2>



<ul class="wp-block-list">
<li><a href="https://www.ncdistrictattorney.org/district-attorney/prosecutorial-district-14/">Billy West, our long time District Attorney</a>, whose office represents the State of North Carolina in criminal matters, is a Democrat.  </li>



<li>Andra Brewington, our Register of Deeds, is a Democrat.  </li>



<li>Lisa Scales, our Clerk of Superior Court, is a Democrat.  </li>



<li>Ennis Wright, our County Sheriff, is a Democrat.  Sheriff Wright <a href="https://www.wral.com/news/local/cumberland-county-sheriff-ennis-wright-retirement-june-2025/">recently announced his retirement</a>.  </li>
</ul>



<h2 class="wp-block-heading" id="h-the-richardson-firm-built-to-serve-fayetteville-s-legal-needs">The Richardson Firm:  Built to Serve Fayetteville’s Legal Needs</h2>



<p>Attorneys Matt and Billy Richardson decided to stay in their hometown of Fayetteville, North Carolina, and they built a law firm to serve the needs of their community. They believe that every individual should have a right to a great attorney.  If you have a legal problem in Fayetteville, they will do their best to help you.  </p>



<figure class="wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex">
<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="1024" height="1024" data-id="711" src="/static/2023/07/Matt_Richardson_017_square-Copy-1024x1024.jpg" alt="" class="wp-image-711" srcset="/static/2023/07/Matt_Richardson_017_square-Copy-1024x1024.jpg 1024w, /static/2023/07/Matt_Richardson_017_square-Copy-300x300.jpg 300w, /static/2023/07/Matt_Richardson_017_square-Copy-150x150.jpg 150w, /static/2023/07/Matt_Richardson_017_square-Copy-768x768.jpg 768w, /static/2023/07/Matt_Richardson_017_square-Copy-1536x1536.jpg 1536w, /static/2023/07/Matt_Richardson_017_square-Copy-2048x2048.jpg 2048w" sizes="auto, (max-width: 1024px) 100vw, 1024px" /><figcaption class="wp-element-caption"><sub>Matt Richardson </sub></figcaption></figure>



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="1024" height="1024" data-id="714" src="/static/2023/07/Patrick_Anstead_005_square-Copy-1024x1024.jpg" alt="" class="wp-image-714" srcset="/static/2023/07/Patrick_Anstead_005_square-Copy-1024x1024.jpg 1024w, /static/2023/07/Patrick_Anstead_005_square-Copy-300x300.jpg 300w, /static/2023/07/Patrick_Anstead_005_square-Copy-150x150.jpg 150w, /static/2023/07/Patrick_Anstead_005_square-Copy-768x768.jpg 768w, /static/2023/07/Patrick_Anstead_005_square-Copy-1536x1536.jpg 1536w, /static/2023/07/Patrick_Anstead_005_square-Copy.jpg 1957w" sizes="auto, (max-width: 1024px) 100vw, 1024px" /><figcaption class="wp-element-caption">Patrick Anstead </figcaption></figure>



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="650" height="650" data-id="43" src="/static/2023/07/AttorneyPictures_WilliamORichardson.jpg" alt="William O. Richardson" class="wp-image-43" srcset="/static/2023/07/AttorneyPictures_WilliamORichardson.jpg 650w, /static/2023/07/AttorneyPictures_WilliamORichardson-300x300.jpg 300w, /static/2023/07/AttorneyPictures_WilliamORichardson-150x150.jpg 150w" sizes="auto, (max-width: 650px) 100vw, 650px" /><figcaption class="wp-element-caption">Billy Richardson </figcaption></figure>
</figure>



<p>In addition to founding the firm, Billy Richardson served multiple terms in the North Carolina House of Representatives. </p>



<p>Specifically, Matt and Billy Richardson and Patrick Anstead represent the citizens of Fayetteville and Southeastern, North Carolina in civil matters, including:</p>



<ul class="wp-block-list">
<li><a href="https://www.therichardsonfirm.com/practice-areas/personal-injury/">Personal Injury</a></li>



<li><a href="https://www.therichardsonfirm.com/practice-areas/medical-malpractice/">Medical Malpractice</a></li>



<li><a href="https://www.therichardsonfirm.com/practice-areas/car-accidents/">Auto Accidents</a></li>



<li>Wrongful Death</li>



<li><a href="https://www.therichardsonfirm.com/practice-areas/eminent-domain-property-law/">Eminent Domain and Property Law </a></li>



<li>Insurance Disputes</li>



<li><a href="https://www.therichardsonfirm.com/practice-areas/civil-rights/">Civil Rights Violations</a><br></li>
</ul>



<h2 class="wp-block-heading" id="h-family-law-and-divorce-in-fayetteville">Family Law and Divorce in Fayetteville </h2>



<p>The Richardson Firm has maintained a family law and divorce practice in Fayetteville for several years, helping spouses and family members navigate the complex and intimidating system that governs domestic relations in the State of North Carolina.</p>


<div class="wp-block-image">
<figure class="aligncenter size-full is-resized"><img loading="lazy" decoding="async" width="650" height="650" src="/static/2023/07/AttorneyPictures_MelindaFlinn.jpg" alt="Melinda Flinn" class="wp-image-41" style="width:364px;height:auto" srcset="/static/2023/07/AttorneyPictures_MelindaFlinn.jpg 650w, /static/2023/07/AttorneyPictures_MelindaFlinn-300x300.jpg 300w, /static/2023/07/AttorneyPictures_MelindaFlinn-150x150.jpg 150w" sizes="auto, (max-width: 650px) 100vw, 650px" /><figcaption class="wp-element-caption">Melinda Flinn</figcaption></figure></div>


<p>In 2023, Attorney <a href="https://www.therichardsonfirm.com/lawyers/melinda-flinn/">Melinda Flinn</a> joined our law firm as a domestic attorney. Melinda has been practicing <a href="https://www.therichardsonfirm.com/practice-areas/family-law/">family law</a> in Cumberland County for over twenty years, and she has gained a reputation as a steady and courageous advocate. She routinely appears in front of many of the District Court Judges who hear domestic cases. Specifically, she serves the residents of Fayetteville and Cumberland County in the following areas:</p>



<ul class="wp-block-list">
<li>Child custody and visitation</li>



<li>Child support</li>



<li>Alimony</li>



<li>Equitable Distribution (Property and debt division)</li>



<li><a href="https://www.therichardsonfirm.com/practice-areas/family-law/">Divorce</a></li>



<li>Annulment</li>



<li>Separation agreements</li>



<li>Contempt</li>



<li>Termination of parental rights</li>



<li>Adoption</li>



<li>Collaborative Law
<ul class="wp-block-list">
<li>Melinda has trained and participated in the Collaborative Law aspect of family law as an alternative to litigation.</li>
</ul>
</li>
</ul>



<h2 class="wp-block-heading" id="h-fort-bragg-traffic-tickets-and-dwi">Fort Bragg Traffic Tickets and DWI</h2>



<p>Residents of Fayetteville and Fort Bragg who are <a href="https://www.therichardsonfirm.com/blog/federal-traffic-tickets/">charged with a traffic offense</a> on federal land will be ordered to appear to answer the charges in federal court.  While there are numerous attorneys practicing traffic law in Fayetteville, there are few who are licensed to practice in Federal Court. Seeing this need, <a href="https://www.therichardsonfirm.com/lawyers/patrick-r-anstead/">Attorney Patrick Anstead</a> has developed a robust defense practice. Patrick routinely appears in federal court on behalf of military and non-military residents who receive <a href="/blog/federal-traffic-tickets-2/">traffic tickets and DUI/DWI charges on Fort </a>Bragg.  </p>



<p>Keep in mind, our firm can also assist you in county court for <a href="https://www.therichardsonfirm.com/practice-areas/traffic-violations/">routine traffic offenses</a> that occur outside of Fort Bragg. If you get a traffic ticket in Cumberland County, give us a call.  We can often help.  </p>



<h2 class="wp-block-heading" id="h-criminal-charges-in-fayetteville">Criminal Charges in Fayetteville</h2>



<p>Attorney Patrick Anstead routinely represents individuals charged with traffic, misdemeanor, and felony offenses in District and Superior Court. If you are <a href="https://www.therichardsonfirm.com/practice-areas/criminal-lawyers/">charged </a>with a criminal offense, a conviction could have a lasting and detrimental impact on your future. Do not go unrepresented. Get an attorney with the experience and the knowledge of Fayetteville’s court system.</p>



<h2 class="wp-block-heading" id="h-the-richardson-firm-local-attorneys-for-local-problems">The Richardson Firm:  Local Attorneys for Local Problems </h2>



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="1024" height="433" src="/static/2025/01/Main-Image-Banner-2-1024x433.jpg" alt="" class="wp-image-763" srcset="/static/2025/01/Main-Image-Banner-2-1024x433.jpg 1024w, /static/2025/01/Main-Image-Banner-2-300x127.jpg 300w, /static/2025/01/Main-Image-Banner-2-768x325.jpg 768w, /static/2025/01/Main-Image-Banner-2.jpg 1300w" sizes="auto, (max-width: 1024px) 100vw, 1024px" /></figure>



<p>If you live in Fayetteville or Cumberland County, and you’re in need of an attorney, call us at 910-488-5050. If we are not able to assist with your specific issue, we can use our knowledge of the Fayetteville area to get you pointed in the right direction.</p>



<p></p>
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                <title><![CDATA[Auto Crash Data For Fayetteville Tells a Scary Story]]></title>
                <link>https://www.therichardsonfirm.com/blog/auto-crash-data-for-fayetteville-tells-a-scary-story/</link>
                <guid isPermaLink="true">https://www.therichardsonfirm.com/blog/auto-crash-data-for-fayetteville-tells-a-scary-story/</guid>
                <dc:creator><![CDATA[Matt Richardson]]></dc:creator>
                <pubDate>Wed, 02 Oct 2024 20:08:52 GMT</pubDate>
                
                    <category><![CDATA[Car Accidents]]></category>
                
                    <category><![CDATA[Insurance Law]]></category>
                
                    <category><![CDATA[Personal Injury]]></category>
                
                    <category><![CDATA[Traffic Law]]></category>
                
                
                
                
                <description><![CDATA[<p>Cumberland and Surrounding Counties are Dangerous for Drivers Southeastern North Carolina is not a safe place to drive. According to the North Carolina Department of Transportation, Cumberland and the surrounding counties of Robeson, Scotland, Hoke, Sampson, Harnett and Lee have some of the highest crash rankings in the state. Simply put, if you operate a&hellip;</p>
]]></description>
                <content:encoded><![CDATA[
<h2 class="wp-block-heading" id="h-cumberland-and-surrounding-counties-are-dangerous-for-drivers">Cumberland and Surrounding Counties are Dangerous for Drivers</h2>



<p>Southeastern North Carolina is not a safe place to drive.  According to the North Carolina Department of Transportation, Cumberland and the surrounding counties of Robeson, Scotland, Hoke, Sampson, Harnett and Lee have some of the <a href="https://connect.ncdot.gov/resources/safety/Documents/Crash%20Data%20and%20Information/2023%20County%20Rankings.pdf">highest crash rankings</a> in the state.  Simply put, if you operate a motor vehicle in Fayetteville, you have a much higher chance of getting in wreck.  </p>



<p>The chart below lists the crash data and rankings for the past four years.  To formulate these rankings, the N.C. DOT <a href="https://connect.ncdot.gov/resources/safety/Pages/Crash-Data.aspx#:~:text=Crash%20Data%20and%20Maps%20Crash%20data,">uses</a> “several factors including reported crashes, crash severity, crash rates based on population, registered vehicles and estimated vehicle miles traveled.”</p>



<figure class="wp-block-image size-full is-resized"><img loading="lazy" decoding="async" width="538" height="470" src="/static/2024/10/crash-data.jpg" alt="" class="wp-image-703" style="width:542px;height:auto" srcset="/static/2024/10/crash-data.jpg 538w, /static/2024/10/crash-data-300x262.jpg 300w" sizes="auto, (max-width: 538px) 100vw, 538px" /></figure>



<p>This data impacts your car insurance rates each year.  While you’re paying a higher premium than others in safer counties, many drivers around you still <a href="https://www.therichardsonfirm.com/blog/when-the-other-person-has-no-insurance/">do not carry liability insurance</a> required by law.  If you’re hit by an uninsured driver, you may be forced to pursue your own coverage.  </p>



<h2 class="wp-block-heading" id="h-the-richardson-firm-local-lawyers-for-local-problems">The Richardson Firm:  Local Lawyers for Local Problems</h2>



<p>As a result of these high crash rates, Fayetteville has been bombarded by legal advertising.  Lawyers from across the state put up billboards, run television ads, and put their names on city buses in an attempt to cash in.  </p>



<p><a href="/">The Richardson Firm</a> is a local law firm that has been in business, <strong>in Fayetteville</strong>, for over twenty years.  We have dedicated <a href="https://www.therichardsonfirm.com/practice-areas/personal-injury/">personal injury attorneys</a> that know the ins and outs of our local legal system.  We live, work, and raise our families here.  We’re experienced in a wide range of <a href="https://www.therichardsonfirm.com/practice-areas/car-accidents/">car accident cases</a>, and we can help with any <a href="https://www.therichardsonfirm.com/practice-areas/insurance-disputes/">insurance dispute</a> that may arise.  If you’ve been charged with a <a href="https://www.therichardsonfirm.com/practice-areas/traffic-violations/">traffic citation</a>, we can help with that too.   </p>



<p></p>
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                <title><![CDATA[When the “other person” has no insurance]]></title>
                <link>https://www.therichardsonfirm.com/blog/when-the-other-person-has-no-insurance/</link>
                <guid isPermaLink="true">https://www.therichardsonfirm.com/blog/when-the-other-person-has-no-insurance/</guid>
                <dc:creator><![CDATA[Matt Richardson]]></dc:creator>
                <pubDate>Tue, 29 Aug 2023 16:11:38 GMT</pubDate>
                
                    <category><![CDATA[Car Accidents]]></category>
                
                    <category><![CDATA[Insurance Law]]></category>
                
                    <category><![CDATA[Personal Injury]]></category>
                
                    <category><![CDATA[Traffic Law]]></category>
                
                
                
                
                <description><![CDATA[<p>– A guide to Uninsured Motorist (UM) Coverage in N.C. – In North Carolina, every driver of a motor vehicle is required to have liability insurance. This insurance covers: These are the minimal limits required by law. If you are caught driving without this insurance coverage, you could receive a citation. However, as attorneys practicing&hellip;</p>
]]></description>
                <content:encoded><![CDATA[
<h2 class="wp-block-heading" id="h-a-guide-to-uninsured-motorist-um-coverage-in-n-c">– A guide to Uninsured Motorist (UM) Coverage in N.C. –  </h2>



<p>In North Carolina, every driver of a motor vehicle is required to have liability insurance.  This insurance covers:</p>



<ul class="wp-block-list">
<li>Injuries caused to another person ($30,000)</li>



<li>Damage caused to property ($25,000) </li>
</ul>



<p>These are the minimal limits <a href="https://www.ncleg.net/EnactedLegislation/Statutes/PDF/BySection/Chapter_20/GS_20-279.21.pdf">required by law</a>.  If you are caught driving without this insurance coverage, you could receive <a href="https://www.therichardsonfirm.com/practice-areas/traffic-violations/">a citation</a>.  </p>



<p>However, as <a href="/practice-areas/personal-injury/">attorneys practicing personal injury law</a> in North Carolina, we often meet clients who have been in a motor vehicle collision with someone who does not follow the law and has no insurance.  Either the insurance has lapsed, the person never bought it, or the insurance company finds an exclusion in the policy to deny the claim.  It happens more than you might imagine.  According to <a href="https://financebuzz.com/uninsured-motorist-statistics-by-state">recent statistics</a>, 7.4% of all North Carolina drivers have no liability insurance.  If you live in a less affluent county, the number is most likely higher.  </p>



<p>If you are in <a href="https://www.therichardsonfirm.com/practice-areas/car-accidents/">a motor vehicle accident that is not your fault</a>, and the person who is at fault has no insurance, then you have what we call an “Uninsured Motorist” claim.  </p>



<p>The good news is that all auto policies in North Carolina are required to have uninsured motorist coverage, so as long as you are covered under an auto policy, you will have a way to obtain compensation for your damages.  You can file an “uninsured motorist” claim with your own insurance company, and your company will be responsible for your damages up to the policy limits.  </p>



<p>Speaking of policy limits, we always encourage our clients to talk to their insurance company and obtain <strong>more</strong> than the required North Carolina minimum.  If you suffer any kind of serious injury, $30,000 may not be enough to compensate you or even cover your medical expenses.  If you increase your limits, you will pay a little bit more in premiums each month, but it will be worth it if you ever need to file a claim.  </p>



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="1024" height="449" src="/static/2023/07/17_Practice-Area-Traffic-Violation-pz4lqlc1f93825f139crc4ngq6a5qemrt4oy868j2g-1024x449.jpg" alt="" class="wp-image-184" srcset="/static/2023/07/17_Practice-Area-Traffic-Violation-pz4lqlc1f93825f139crc4ngq6a5qemrt4oy868j2g-1024x449.jpg 1024w, /static/2023/07/17_Practice-Area-Traffic-Violation-pz4lqlc1f93825f139crc4ngq6a5qemrt4oy868j2g-300x132.jpg 300w, /static/2023/07/17_Practice-Area-Traffic-Violation-pz4lqlc1f93825f139crc4ngq6a5qemrt4oy868j2g-768x337.jpg 768w, /static/2023/07/17_Practice-Area-Traffic-Violation-pz4lqlc1f93825f139crc4ngq6a5qemrt4oy868j2g.jpg 1140w" sizes="auto, (max-width: 1024px) 100vw, 1024px" /></figure>



<p>If you’ve been involved in a motor vehicle collision, <a href="https://www.therichardsonfirm.com/practice-areas/criminal-lawyers/traffic-violations/">you’ve received a ticket</a> for driving without insurance, or you have questions about insurance coverage, give us a call at 910-488-5050.  Our attorneys will provide you a free consultation.  </p>



<p></p>
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