Denied State Farm Insurance Claims in North Carolina

Posted by Admin | May 11th, 2022 |

If you have to make a car accident claim for injuries or property damage with State Farm, then you may hit some roadblocks. State Farm is a well-known insurance carrier, but just because the company is well-known does not mean that they will do the right thing every time. There are various reasons why State Farm claims adjusters may deny a claim. Here, we want to examine the steps that you need to take to help ensure that your State Farm claim is successful.

denied state farm

Why Would a State Farm Claim be Denied in NC?

There are various reasons why claims made to State Farm get denied in North Carolina. The reality is that all auto insurance carriers look for ways to limit how much money they payout in a settlement. For the most part, the reasons that an insurance carrier denies a claim are legitimate, even if they can sometimes be questioned. Some of the most common legitimate reasons for denial include:

  • There’s not enough evidence to determine fault
  • The individual involved in the accident was not covered under the policy
  • A property damage claim has been made when there is no comprehensive or collision coverage
  • The individual involved did not seek medical care
  • The premium was not paid, and the policy lapsed
  • The claim seeks damages greater than the insurance policy limits

This is certainly not a complete list of why auto insurance claims get denied by State Farm in North Carolina. However, just because of claim has been denied does not mean that you will receive no compensation. You need to work with a skilled attorney who can examine every aspect of your claim, the denial letter, and your insurance policy. An attorney can often submit an appeal and a demand letter and recover the compensation you need, even after an initial denial.

What is a Bad Faith Insurance Denial?

There are times when State Farm Insurance adjusters operate in bad faith. Under North Carolina law, all insurance claims adjusters are responsible for operating in good faith and fair dealing with their policyholders. State regulations specifically prohibit insurance carriers from operating in bad faith. Some of the most common bad faith insurance denial reasons include:

  • The insurance carrier failing to investigate the claim
  • Unreasonable delays in accepting or denying the claim
  • Unreasonable requests or demands for evidence and documentation
  • Lack of useful communication
  • Misrepresentation of the insurance policy
  • Misrepresentation of material facts related to the case
  • Unreasonably underpaying the auto insurance claim

Contact a Skilled Attorney for Help With a State Farm Denial

If your insurance claim has been denied by State Farm in North Carolina, you need to reach out to a Raleigh car accident attorney immediately. Regardless of whether or not you suspect that the claim denial was made in bad faith, an attorney can fully investigate the incident. This includes recovering the evidence needed to prove liability for the crash, submitting a proper demand letter to the insurance carrier, and even initiating a civil personal injury lawsuit against the at-fault driver and State Farm if necessary. The goal is to ensure that you recover full compensation for your losses, including coverage of medical bills, lost wages, property damage expenses, and more.