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North Carolina Insurance Defense Questions & Answers
1 Answer | Asked in Insurance Defense for North Carolina on
Q: I had a variable insurance policy lapsed due to the cost of insurance increase which I did not know.

I paid the premium as always they accepted and kept the payment and weeks later they told me the policy was in lapsed status. In order to get it reinstated I would have to pay 400.00. At the time I could not come up with that amount of money so they (Axa Financial) lapsed the policy.

Tim Akpinar
Tim Akpinar answered on Jul 22, 2019

You could consult with a North Carolina attorney to review the policy and its terms and conditions for cancellation. However, it's possible that seeking coverage elsewhere could be more cost-effective and practical in terms of time and resources needed to look into the coverage lapse. Good luck... Read more »

1 Answer | Asked in Car Accidents and Insurance Defense for North Carolina on
Q: Is there any way to get justice for a fender bender the person in front is at fault

The woman was on hwr phone and stopped 15 ft before the lime at the light slamming on her breaks i was slowing down to come to a stop at the light and ended up haveing to slam on the breaks as well my leg is hurt ans my car is totaled all she has is a little scratch she knew she was at fault... Read more »

Peter N. Munsing
Peter N. Munsing answered on Mar 18, 2019

First,contact a member of the NC Assn for Justice--they give free consults. Second, do not discuss this further on this page or any page, or facebook etc.

Yours is a very tough case----in part because while she is careless if she came to a complete stop that early, you have to leave enough...
Read more »

1 Answer | Asked in Car Accidents and Insurance Defense for North Carolina on
Q: Auto insurance covering car fire after auto work done to car..

My small daughter and I were just involved in a car fire. My car had recently had a new transmission installed. after the fire I was looking at reasons why the fire could have started.. I found a recall I had not heard of before. I don’t believe it was the new transmission. Well I really hope... Read more »

Peter N. Munsing
Peter N. Munsing answered on Apr 4, 2018

Your insurance covers the fire pretty much regardless of cause (i.e. won't cover it if caused by war, nuclear plant meltdown and other exceptions). Talk to your agent and don't get into who did what unless asked, Keep it simple. Car caught fire. Why I don't know. That's it.

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

C. Kierulff Lassen
C. Kierulff Lassen answered on Apr 2, 2018

It can be a term of the lease to have it

1 Answer | Asked in Insurance Defense and Traffic Tickets for North Carolina on
Q: Received citation for "No Insurance" but I have insurance. Do I still have to pay citation? If not, how do I fight it?

So a couple of months ago when I was in a different state I had missed a payment on my auto insurance and it lapsed for a few weeks (I wasn't driving it at this time), and I quickly paid it when I returned. The problem is the DMV said I owed them a fine, and while I got the insurance taken care of... Read more »

Amanda Bowden Houser
Amanda Bowden Houser answered on Nov 3, 2017

When you allowed the lapse to happen, DMV decided to slap your hand as a reminder not to do that by charging you a fee.

When you forgot to pay the DMV fee, DMV decided to spank you a bit harder and suspended your tag. Because the fee and subsequent suspension were due to a lapse in...
Read more »

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 that type of environment. I... 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 there is a patient... Read more »

1 Answer | Asked in Car Accidents and Insurance Defense for North Carolina on
Q: Should I be responsible for damages while on the job?

I work for a car dealership. While backing one of our new cars out of a spot up front I backed into another one of the dealerships cars. I was not being irresponsible and driving crazy. A lady whipped in behind me and at the angle she was parked I could not see the car. A week later my owner is... Read more »

Peter N. Munsing
Peter N. Munsing answered on Sep 9, 2016

Depends on your employment agreement. Talk to your insurance about it--they may have a provision in your insurance saying they don't cover incidents where you are using a vehicle provided by your job.

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