Assistance or File a Complaint The North Carolina Department of Insurance pledges to seek fair treatment of all parties in insurance transactions. We are here to serve you. We can always be reached at 855-408-1212.
North Carolina is unique, as the state strictly prohibits subrogation language or clauses in privately funded health insurance policies. This means that North Carolina insurance companies are not able to receive a subrogation interest in your personal injury recovery.
Among its duties, the North Carolina Department of Insurance: Regulates the insurance industry. Handles insurance-related complaints. Licenses insurance agents, adjusters, bail bondsmen and more.
North Carolina Consumer Protection Act (NCCPA): The cornerstone of consumer protection in North Carolina is the North Carolina Consumer Protection Act (NCCPA). This legislative act prohibits unfair and deceptive trade practices, such as false advertising, fraudulent schemes, and deceptive business practices.
For example: Your insurance company pays your doctor for your treatment following an auto accident that someone else caused. Legally, your company can seek reimbursement from the at-fault person or their insurance company.
When factoring comparative negligence and improper referrals, the recovery rate should be somewhere in the range of 85-90%. This requires adjusters properly identifying subrogation, assessing comparative negligence and pursuing only what they are entitled to.
Assistance or File a Complaint The North Carolina Department of Insurance pledges to seek fair treatment of all parties in insurance transactions. We are here to serve you. We can always be reached at 855-408-1212.
Popular Insurance Companies with the Most Complaints AAA (15.46) Allstate (3.55) USAA (2.62) Liberty Mutual (2.23) Farmers (1.07)
Subrogation allows your insurer to recoup costs (medical payments, repairs, etc.), including your deductible, from the at-fault driver's insurance company, if the accident wasn't your fault. A successful subrogation means a refund for you and your insurer.