North Carolina Insurance Forms

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Insurance Forms FAQ

What is insurance?

Insurance is a contract, called an insurance policy, in which the insurer, agrees to pay the insured party all or a portion of any loss suffered by accident or death for a fee called an insurance premium. The losses covered by the policy may include property damage or loss from accident, fire, theft or intentional harm; medical costs and/or lost earnings due to physical injury; long-term or permanent loss of physical capacity; claims by others due to the insured's alleged negligence, or the loss of someone's life.

What laws govern insurers?

In 1944, Congress enacted the McCarran-Ferguson Act, which provided that the laws of the several states should control the insurance business, but that the Sherman Act, the Clayton Act, and the Federal Trade Commission Act were applicable to the insurance business to the extent that it was unregulated by state law.

The McCarran-Ferguson Act, broadly speaking, gives states the power to regulate the insurance industry. While state insurance statutes override most federal laws, some portions of federal law (like federal tax laws) are always controlling. To determine whether a particular law governs, the determining factor is whether the issue is related to the "business of insurance", where state law governs, or whether it is related to peripherals of the industry, such as labor, tax, and securities, where federal law governs.

What can be done is an insurer wrongfully denies a claim?

Insurers may be guilty of bad faith for failing to promptly and thoroughly investigate a claim, unreasonably delaying payment, unreasonably denying benefits to a claim, using unreasonable interpretations in translating policy language, or refusing to settle the case or reimburse you for the entirety of your loss, etc. Unless a time period for settling a claim is defined in the policy, a "reasonable time" generally applies, which is a subjective term, depending on the facts and circumstances in each case.


Bill of Sale – By Type (5)

A Bill of Sale is a legal document, which outlines the transfer of ownership of a certain item or property from one person to another. In North Carolina, there are five different types of Bills of Sale that are commonly used. One type is the General Bill of Sale, which is used for the sale of different kinds of personal property. Another type is the Vehicle Bill of Sale, which is specifically used for the transfer of ownership of motor vehicles. The Boat Bill of Sale is used for the sale of boats and watercraft. The Firearm Bill of Sale is used for the sale of firearms, while the Livestock Bill of Sale is used for the sale of animals such as horses, cattle, or pigs. These different types of Bills of Sale help to ensure that the transfer of ownership is legally documented in North Carolina.


Bill of Sale Requirements

In North Carolina, a Bill of Sale is a legal document that helps protect both the buyer and the seller when transferring ownership of a vehicle or personal property. It is required to include important details like the full names and addresses of both parties, a description of the item being sold, its purchase price, and the date of the sale. The document should be signed by both parties and notarized to ensure its authenticity. Having a Bill of Sale can serve as proof of ownership and can be helpful in case of any future disputes or legal issues. It's important to keep a copy of the Bill of Sale for your records.


Information to Include in a North Carolina Vehicle Bill of Sale

In a North Carolina Vehicle Bill of Sale, there are several important details that should be included. First, it should clearly state the names and addresses of both the buyer and the seller. It should mention the date of the sale and the purchase price of the vehicle. The document should describe the vehicle accurately, including its make, model, year, and vehicle identification number (VIN). Additionally, it is important to include the odometer reading at the time of the sale. Both parties should sign and date the bill of sale to make it legally binding. It is also recommended including a statement declaring that the seller is the legal owner of the vehicle and that it is being sold without any liens or encumbrances.


Number of Copies

In North Carolina, the number of copies is a representation of the multiple versions or duplicates of a document, file, or any other type of material. It refers to how many times something has been reproduced or replicated. For example, if you have a report that you need to distribute to several people, you might make a certain number of copies of it. These copies can be identical to the original, ensuring that everyone receives the same information. The number of copies in North Carolina can vary depending on the purpose and requirements of the situation, whether it's for personal, business, or official use.


Vehicle Registration Forms

Vehicle registration forms in North Carolina are documents that you need to fill out in order to legally register your vehicle with the state. These forms ask for information about your vehicle such as its make, model, year, and identification number. They also require you to provide details about yourself, like your name, address, and contact information. These forms are important because they help the state keep track of all the vehicles on the road and ensure that they meet safety and emission standards. By completing the vehicle registration forms, you are taking the necessary steps to comply with the law and make sure your vehicle is properly registered in North Carolina.