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North Carolina Insurance Laws and Regulations

The North Carolina Department of Insurance develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints about their auto and home insurance. If you do not receive the service you expect from your insurer, you can file a complaint directly with the North Carolina Department of Justice. The state of North Carolina no longer makes a summary of complaints filed against insurance companies available to consumers. To find this information you can get a ValChoice report on any company that sells auto and home insurance in North Carolina.

The insurance commissioner in the state of North Carolina is elected by the voters of the state. Being elected by voters makes the commissioner directly accountable to the citizens. This is beneficial to consumers when dissatisfied with the performance of an insurance company.

Important Laws

A summary of the driving safety laws for the state of North Carolina can be found at this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of North Carolina.

The North Carolina Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

State law in North Carolina allows for homeowners insurance to invoke hurricane and named storm deductibles. This type of deductible means you will pay a percentage of your homes value before the insurance companies starts paying for losses. This different type of deductible goes into effect when a storm is named by the  National Hurricane Center or the National Weather Service.

North Carolina has minimum auto insurance amounts that are required by law. The table below shows the NC minimum car insurance limits.

Resources Available to Consumers

Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.