Davidson Insurance Claims Lawyer

Experienced Insurance Claims Attorney in Davidson

A Davidson insurance claims lawyer can advise clients about their legal rights when an insurance company delays, underpays, or denies coverage under a valid insurance claim. There are many reasons an insurance dispute may arise, involving car accidents, property damage, personal injury, and other losses that are covered by insurance.

Whether you have been denied a claim after an accident on Interstate 77 or experienced a homeowners insurance claim denial after storm damage in Hobbs Hill, The Law Office of William T. Corbett, Jr. P.L.L.C. can help.

Get to Know The Law Office of William T. Corbett, Jr. P.L.L.C.

The Law Office of William T. Corbett, Jr., P. L.L.C. serves clients in Davidson and throughout Iredell and Mecklenburg Counties with legal representation in many areas of law, including insurance claims disputes.

Attorney Corbett has been practicing law in North Carolina since 1989 and has represented clients in over 200 jury trials. When negotiation is unsuccessful, our legal team’s experience can be beneficial in resolving insurance claim cases through litigation.

Insurance Claims Disputes Explained

Insurance policies are contracts that specify the insurance coverage provided for specific losses. Policyholders typically expect that their insurer will investigate their claim fairly and in accordance with the insurance policy. Insurance claim disputes occur when the insurance company and the policyholder disagree about whether coverage applies, the value of the claim, or what damages should be paid. Common insurance claim disputes include:

• Auto insurance
• Homeowners insurance
• Commercial property insurance
• Business losses
• Uninsured motorist claims

Typically, sorting out an insurance claim requires dissecting the policy’s language, the details of what happened to cause the loss, and the insurance company’s defense for refusing or limiting their payment. In 2025, there were 9,698 complaints due to receiving an unsatisfactory settlement offer, 8,853 complaints for insurance denials, and 16,190 for delays.

Why Claims Often Become Disputed

Insurers may deny or dispute a claim for different reasons. Some cases involve a disagreement about whether the insurance policy provides coverage for the loss. In other situations, the insurer and policyholder may not agree on the value of damages or how to calculate payment amounts. For example:  

• Insurers may deny coverage based on an exclusion in the policy.
• Companies may delay investigating claims or issuing payment.
• Repair or replacement costs may be contested by the insurance company.
• The insurer might allege that the policyholder did not satisfy a condition of the insurance policy.
• Disputes may arise regarding the cause or extent of the damage.
• The insurance claim may involve uninsured or underinsured motorists.

Oftentimes, understanding why your insurance claim was denied or limited is the first step in deciding whether to appeal the insurance company’s decision.

Insurance Claim Laws in North Carolina

North Carolina has laws that regulate the handling of insurance claims by insurance companies. For example, insurers have certain obligations under N.C. Gen. Stat § 58-63-15, which prohibits unfair claim settlement practices. The statute makes it unlawful for companies to fail to conduct a reasonable investigation or refuse to pay claims when they do not have a reasonable basis for denying payment.

While this statute does not provide an automatic right to file a claim in every situation, it can provide guidelines to assess whether your insurance company has acted in good faith.

North Carolina’s three-year statute of limitations for many contract claims under N.C. Gen. Stat. § 1-52 may also apply to insurance claim disputes. However, the statute of limitations can vary based on the type of insurance claim and policy. Hire an insurance claims attorney early to help with meeting deadlines.

Evidence That May Support Your Insurance Claim

It is important to note that insurance cases often rely heavily on accurate paperwork. It is beneficial to your case to have physical records during the entire process. There are many types of evidence that may play a role in your claim. This includes:

• Property damage photographs
• Medical records
• Invoices
• Repair estimates
• Correspondence with the insurance company
• Receipts
• Inspection reports
• A copy of your insurance policy

Try to stay organized. Having a complete record of your damages can help to establish the facts of your claim and substantiate your damage claim. A Davidson insurance claims attorney can advise you on all the documentation you need for your case.

FAQs

How Long Does an Insurance Company Have to Settle a Claim in NC?

In North Carolina, there is not a set amount of time that an insurance company has to settle all claims. An insurer must respond to written or electronic notice of a claim within 30 days by investigating the claim, paying the claim, making a settlement offer, or denying the claim in writing. An insurer must also settle claims promptly and in good faith.

What Should I Not Tell My Insurance Company?

When you call to report your claim, don’t speculate about what happened, admit fault before the insurer has time to investigate, or exaggerate your injuries or damage. Be sure to answer the insurance company’s questions honestly and as thoroughly as you can. Back up your statements with documentation when possible. If you are unsure about something, it is generally wiser to inform the insurance company you don’t know rather than guessing.

What Is the New Insurance Law in NC?

Insurance laws in North Carolina change frequently. A recent change passed in 2023 by Senate Bill 452 increased minimum liability limits for auto insurance for policies issued or renewed on July 1, 2025, or after. This increased the minimum requirement for bodily injury from $30,000 to $50,000 per person and from $60,000 to $100,000 per accident. Property damage requirements increased from $25,000 to $50,000 per accident.

What Is the Unfair Claims Practice Act in North Carolina?

North Carolina’s Unfair Claims Practice Act can be found under North Carolina General Statute § 58-63-15. Unfair claims settlement practices are not permitted for insurers operating in North Carolina. These practices include, but are not limited to, attempting to settle for less than the amount the insured is entitled to and not attempting in good faith to settle claims when liability has become reasonably clear. These are only a couple of the many unfair practices listed in the statute.

Hire an Insurance Claims Lawyer Today

If you have an insurance claims dispute, The Law Office of William T. Corbett, Jr., P.L.L.C. can help you in the legal process. Contact us today for more information.