What are the time limits for filing an insurance claim?
In North Carolina, there is no one-size-fits-all rule for the time limits on filing an insurance claim. Generally, it is in an individual’s best interest to file a claim as soon as reasonably possible; the sooner a claim is filed, the more likely it is for a successful resolution. In most cases, the insurance company’s policies will determine the time limits for filing a claim. If the policy is silent on the issue, the North Carolina Statutes of Limitation will apply. These statutes provide a two-year period from the date of the incident, in which a claim must be filed. In some cases, the time limit may be extended based on when the insured became aware of the accident or injury. Additionally, under North Carolina law, a person who has suffered an injury may file a claim up to three years from the date of the incident. For uninsured motorists, the Statute of Limitations is three years. In the event of a denial of a claim, the claimant must file within two years from the date of the denial. In some cases, a claimant may be allowed to file a claim after the applicable time limits have expired. This could be due to extenuating circumstances or delays in filing for which the claimant was not responsible. A judge would ultimately decide whether to extend the filing deadline in these rare cases. In conclusion, the time limits for filing an insurance claim in North Carolina can vary based on the type of claim and the applicable statutes. However, it is important to note that filing a claim as soon as possible is in the best interests of the claimant.
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