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North Carolina Insurance Bad Faith Questions & Answers
Q: Can I sue a business who made me get costly insurance and certifications to work with them if after I do so they ignore?

I had been in talks with a large college for over a year about running my mobile business on campus, I moved states, and got the insurance/ certifications/ inspections they told me I had to get to work with them (all of which costed money) and after doing all that specifically for this school,... Read more »

Tim Akpinar
Tim Akpinar answered on Oct 15, 2021

A North Carolina attorney could advise best, but your question remains open for two weeks. It could be difficult for ANY attorney to answer your question based on these brief facts. An attorney would likely want to see agreements, contracts, and communications between you and the business. If you... Read more »

Q: Water main broke. Flooded basement, washed out gravel, dirt, grass. Insurance claim denied as 'act of God'!?

God did not lay the pipe! Utility vendor insurance carrier says not liable for damages as no work had been done that was faulty, just normal wear. But also claimed 100 year pipe, only been 50 years in. Another main burst 100 yards down road yesterday. My damage was 4 weeks ago. Should I file... Read more »

Tim Akpinar
Tim Akpinar answered on Aug 3, 2021

A North Carolina attorney could advise best, but your post remains open for three weeks. You could continue to await a response, but you could also consider reaching out to local attorneys with experience in civil litigation and property & casualty losses. This has the makings of a complex,... Read more »

1 Answer | Asked in Insurance Bad Faith for North Carolina on
Q: Would it be a good idea to get a lawyer involved?

I have an insurance claim through the person that hit my car while it was parked in a parking lot. The insurance company paid for a rental car but is only giving me the rental car for 4 days and then want it returned. My car is currently not drive able, and the local shops around my car are booked... Read more »

Tim Akpinar
Tim Akpinar answered on Jan 8, 2021

A North Carolina attorney could advise best, but your question remains open for a while. In most jurisdictions, the answer would be no, unless that same lawyer happens to be handling your bodily injury case. Insurance carriers generally allow rentals until their property damage adjustor submits... Read more »

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for North Carolina on
Q: How do I claim a life insurance fund from a person who recently passed. We were going to do it over the phone today

He passed last night and it was unexpected, so we didn’t have enough time to put me as a dependent

Tim Akpinar
Tim Akpinar answered on Feb 27, 2020

If anyone here is going to have insight into your situation, it's going to be lawyers in the Probate - Estate Planning sections here. You could contact one of the lawyers on this site, or seek someone independently through your own searches. It isn't insurance bad faith if a beneficiary... Read more »

1 Answer | Asked in Animal / Dog Law, Car Accidents and Insurance Bad Faith for North Carolina on
Q: An ATT tech hit my dog in front of our house, on a private driveway. They denied the claim because my dog was loose.

The dog wasn't on public road, but on the side of a private driveway, defecating. The driver was going too fast, was not paying attention, and hit and crushed her skull with his truck. My understanding is that my dog can be loose on private property. She did not run to, or in front of the... Read more »

Peter N. Munsing
Peter N. Munsing answered on Feb 7, 2020

File a claim with their insurance company. You can claim for the financial loss, and also may have a claim for negligent infliction of emotional distress. I'd suggest you talk to a member of the NC Trial Lawyers Assn/Assn for Justice --- they focus their practice on these types of cases, and... Read more »

1 Answer | Asked in Contracts, Estate Planning, Insurance Bad Faith and Probate for North Carolina on
Q: Wanting to know if I have a case?

My homeowners insurance refused to pay off my house after my husband passed away because they said it was in a grace period. It didn't get paid for that month but when he passed it was still in a grace period. Called around 7 or 8 times and they kept refusing to honor it.

Adam Bull
Adam Bull answered on Jan 22, 2020

This doesn't sound like a homeowners insurance but maybe life insurance. Ultimately it's a contract issue. If the default was not cured there may not be relief. However if he passed during the grace period, generally the policy should be honored.

Consult an experienced civil...
Read more »

1 Answer | Asked in Civil Litigation, Contracts and Insurance Bad Faith for North Carolina on
Q: My question is regarding an insurance policy in which my company denied a payable claim due to policy wording issue.

I have provided all info needed, surgical notes, etc. and they still refuse to pay. I have filed my appeal and am close to going public with this ordeal. This is for a cancer policy. In addition, I have recorded conversations with this company where false information and excuses have been given... Read more »

Tim Akpinar
Tim Akpinar answered on Nov 2, 2019

A North Carolina attorney could advise best on this, but your question remains open for two weeks. Dealing with the matter privately or publicly is up to you. Check the wording in the application for the appeal, particularly in terms of whether the determination of the appeal panel is binding.... Read more »

1 Answer | Asked in Insurance Bad Faith for North Carolina on
Q: Onslow, NC. Insurance company had shop paint vehicle and backed out after claiming they told me they wouldnt.

Shop has had my truck since January. Been back and forth between shop and insurance about getting supplement filed. Insurance never sent adjuster to look at truck and never sent one to the shop the entire time. Now that the shop has finished all repair work and was finalizing supplement, now... Read more »

Bill Powers
Bill Powers answered on May 14, 2018

That's clearly a sticky issue. Probably best to contact someone in management, advising them of your problems.

Maybe the shop can help works thing out, especially if the adjustor said they were covering the costs.

1 Answer | Asked in Contracts and Insurance Bad Faith for North Carolina on
Q: 5.“Interior”- within... exterior walls; under roofing materials; above basement floor or home’s slab

In the above clause, does ";" mean "and" or "or"? I am trying to get the floodlights under my eaves repaired under warranty.

Jake Andrew Snider
Jake Andrew Snider answered on Apr 19, 2018

I'd love to help you out, but unfortunately without more context you're question cannot really be answered. I assume this is part of a policy you are trying to understand? If so, these policies are even difficult for practiced attorneys! You should consider reaching out to an insurance... Read more »

1 Answer | Asked in Contracts and Insurance Bad Faith for North Carolina on
Q: My motorcycle was stolen years ago & the insurance company denied my claim. Any suggestions for a lawyer that can help?

This occurred back in 2008, but I was active duty in the military, therefore I had a lot going on. At the time I only had liability coverage on the bike so we also filed a claim with Travelers Insurance. They did not work with us at all and denied my claim, even though it happened on my parents... Read more »

Christian K. Lassen
Christian K. Lassen answered on Apr 2, 2018

You didn't post whether there was a judgment for this

Q: I live in Charlotte NC. I'm inquiring as to whether it's legal for my management company to charge me for renter's insur

I have renter's insurance bundled with my auto insurance policy. I informed the property company of this and they requested that I add them to the policy as a condition to removing the fee

Christian K. Lassen
Christian K. Lassen answered on Apr 2, 2018

It can be a term of the lease to have it

1 Answer | Asked in Elder Law, Insurance Bad Faith, Insurance Defense and Medical Malpractice for North Carolina on
Q: My question is how do l get medical ins. in N.C. when I'm on a fixed income & can't work ? I'm inbetween 60-65 yrs old.

1 was a bartender/server for 30 yrs. 10 yrs ago l was prescribed methadone for a medical condition not related to addiction & didn't need to work. Now, I'm fighting an addiction, and on a fixed income @ 62 yrs old. I'm in recovery & don't dare take the chance of being in... Read more »

Peter N. Munsing
Peter N. Munsing answered on Jun 30, 2017

Hope you tell your GOP Senators and Congressman about this as they seem to think people like you can just get insurance and need no help. There are "spend down" and other ways if you are "medically needy" of qualifying for medical assistance, but these vary by state. See if... Read more »

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Contracts for North Carolina on
Q: Subrogation claim after uninsured car accident?

I was in a car accident after my girlfriend knowingly let me drive it. The car was uninsured and unregistered at the time. But now the other drivers insurance company is trying to suspend the drivers licenses of both my girlfriend and I. She got me to sign a document stating i would both pay her... Read more »

Peter N. Munsing
Peter N. Munsing answered on Apr 24, 2017

If the her is your girlfriend, then you can go legal or realism. Realism is if you don't have the money now you won't be able to pay her back. Secondly, has the case gone to judgment? Depending on the amounts bankruptcy is an option. Another issue is what you got for signing it. If it... Read more »

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