What happens if my insurance claim is denied?

If your insurance claim is denied in North Carolina, you can appeal the denial and ask for a review of the decision. The first step in doing this would be to contact the carrier that made the decision and ask for a reasoning for the denial. You can then use that as a basis for an appeal. If the carrier continues to deny the claim, then you can file a complaint with the North Carolina Department of Insurance. They will investigate and review the claim and review the carrier’s decision. The Department of Insurance can also issue orders that the carrier must obey. If you are still not satisfied after the Department of Insurance makes a decision on the claim, then you can file a complaint in court. You will then need to provide evidence as to why the claim should be paid according to state law. The court will then review the evidence and make a decision. If your claim is still denied after these steps, then you may need to pursue other legal options such as filing a lawsuit against the carrier. It’s always best to exhaust your other options before taking this step, however, as it can be very expensive and time-consuming.

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