Boone, NC asked in Car Accidents for North Carolina

Q: I own 2 fully insured vehicles in NC. I accidently hit one in a parking mishap. why is my insurance is denying my claim?

Denial states that claims arising from ownership of both vehicles on the same policy that coverage is denied for repairs. Comp+Collision on both. Car was parked, unoccupied, while I was driving the other, a truck. My foot slipped off the brake pedal and crunched the car appx 45° angle on front driver's side of car resulting in broken radiator, broken reservoirs and other minor damages(made a claim). The truck has a small dent in the front bumper(no claim). Is that normal insurance law in NC?

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1 Lawyer Answer
Tim Akpinar
Tim Akpinar
  • Personal Injury Lawyer
  • Little Neck, NY

A: A North Carolina attorney could advise best, but your question remains open for a week. One would need to see the terms of your policy. Carriers do impose certain coverage exclusions for claims arising within a household. But that's only a generality that can apply in some places nationwide. You could check with a local attorney, or possibly North Carolina Departments of Insurance, Consumer Affairs, or related public agencies involving consumer rights with insurance matters. Good luck

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