CHARLOTTE, North Carolina — Andrew Luck wasn't into discussing a report that he's been suffering from a rib injury in addition to a problematic shoulder.
Not after the way his night ended Monday.
Luck rallied the Colts from 17 points down in the fourth quarter, but his third interception of the game in overtime set up Graham Gano's game-winning 52-yard field goal.
Luck has thrown a league-high 12 interceptions amid speculation that injuries are hurting his play.
"It's my problem, and it's hurting the team," Luck said of his interceptions. "I've got to fix it. It's tough to win like that, and I'm disappointed in myself. Mentally, I feel all right. It's tough to overcome in the game. The points, the short field position, that's the important thing."
Luck did have a promising fourth quarter.
The Colts looked like they were ready to mail it in down 23-6 with less than 8 minutes remaining.
But Luck got hot.
He threw two touchdowns and led a field goal drive at the end of regulation. He also led the Colts to another field goal in overtime, although Gano would match that kick and send the game into sudden death.
Despite the loss, the Colts (3-5) are still tied for first place in the AFC South with Jacksonville.
"It's a long season, and our goals are still attainable," Luck said. "It doesn't make this loss any easier to swallow. We keep grinding, pick our heads up and get back to work. We've got to fix these things in practice, and fix these things in games.
Luck and Cam Newton combined to throw for 16 yards in the first quarter on a rain-drenched night.
"It was tough on both quarterbacks early on from the weather standpoint in trying to throw the football," Colts coach Chuck Pagano said.
It was Carolina's 11th straight regular season victory dating back to last season.
Cam Newton was 16 of 35 for 248 yards with two touchdowns and one interception. He also ran for 41 yards.
Despite surrendering a 23-6 lead in the fourth quarter, Carolina had a chance to win the game in overtime but Ted Ginn Jr. dropped a wide open 56-yard touchdown pass. Greg Olsen bailed his teammate out with a one-handed catch to help set up Gano's tying kick.
Luck had been limited to 40 yards passing and two interceptions through the first three quarters. But he came alive in the fourth, throwing an 18-yard touchdown pass to Andre Johnson and an 8-yard TD strike to Coby Fleener to bring the Colts to within the 23-20.
The Panthers, with the No. 1 running game in the league, couldn't pick up a first down to put the game away and were forced to punt the ball away.
Luck drove the Colts back down the field, completing a fourth-and-10 pass to Griff Whalen to keep the chains moving. On a third-and-4 from the 6, Luck fired into the end zone and Luke Kuechly nearly came down with an interception, but the ball fell out of his hands on a wet field with 2 seconds left.
Adam Vinatieri hit the third of his four field goals as time expired to send the game into overtime. He then gave the Colts a 26-23 lead on a 50-yarder with 12:04 left in the extra period.
Newton threw an interception and also fumbled on the Colts 3-yard line, but rallied late in the third quarter. Leading 10-6, Newton threw touchdown passes to Olsen and Philly Brown to give the Panthers a 23-6 lead.
It was a bizarre night, with two activists rappelling on ropes from the upper deck holding a protest banner for most of the second half as fans watched in awe. Four protesters were arrested by Charlotte Mecklenburg Police, according to Panthers spokesman Steven Drummond.
Police are investigating the incident.