Legal Question in Personal Injury in North Carolina

Assuming that this is not workers compensation, and that liability is clear (i.e. they will pay the full value of your claim), then you are entitled to recover your medical expenses, pain-and-suffering, and lost earnings. The pain aspect of the case is difficult to value without having more information (including any current limitations, whether surgery is warranted, the prognosis following surgery), and if you have any significant injury (which you seemingly do), then you almost certainly want to consult with an attorney before making this decision. (And you also want to be wary of the statute of limitations, which is generally three years for a liability claim.) As for the homeschool aspect of the question, that is very difficult to factor into the settlement. In all likelihood, it will be difficult for you to recover for that, and that is a loss which may simply be non-compensable. A creative lawyer might be able to formulate a way for you to try to recover for that. (E.g., you are now delayed one extra year before entering, or re-entering, the work force, and hence arguably you have lost one year's earnings.) In view of this injury, you are probably well-advised to speak with a lawyer and provide him or her with more information.