In North Carolina, send a written letter of representation and a formal request for the complete policy and declarations page to the insurer right away. Ask for all vehicle-based coverages (liability, uninsured/underinsured motorist, medical payments) and any person-based accidental protection benefits under the family plan. While you wait, gather itemized medical bills and records to support medical-pay or accident benefits, and calendar the underinsured motorist consent-to-settle timing if a third-party claim is involved.
You are handling a North Carolina auto-injury claim under a family accidental protection plan, but you have not received the insurer’s introductory packet. You need the policy documents to confirm what is covered and how to submit the client’s outstanding medical bills, and you must send a letter of representation to move the claim forward.
North Carolina auto claims can involve multiple coverages. Vehicle-based coverages typically include liability, uninsured/underinsured motorist (UM/UIM), and medical payments (med pay). Many plans also include person-based accident benefits. You should promptly put the insurer on notice, request the full policy (including endorsements and the declarations page), and preserve UM/UIM rights before any settlement with a at-fault driver. Medical providers may assert statutory liens on injury recoveries, which affects how settlement funds are disbursed. Most claim activity occurs with the insurer’s claims department; if a UIM settlement is contemplated, a 30-day consent-to-settle process applies.
Apply the Rule to the Facts: Because you have not received the packet, immediately send a letter of representation and a written demand for the entire policy and declarations page for the family plan and each vehicle. Given the separate vehicle- and person-based benefits, request claim forms and proof requirements for med pay and any accident benefit. With outstanding medical bills, collect itemized statements and records now to support med pay or accident coverage. If a third-party settlement is possible, calendar the UIM consent-to-settle notice period before resolving the liability claim.
When you don’t receive the coverage packet in a North Carolina auto-injury claim, send a letter of representation and a written demand for the full policy and declarations page for all vehicle- and person-based benefits. Gather and submit itemized medical bills for med pay or accident benefits, and preserve any UIM rights before settling a liability claim. Next step: file your written policy request and letter of representation with the insurer today and calendar the 30-day UIM consent timeline if applicable.
If you’re missing the insurer’s coverage packet and need to identify all available auto and accident benefits, our firm can help you understand your options, protect UM/UIM rights, and manage liens. Call us today.
Disclaimer: This article provides general information about North Carolina law based on the single question stated above. It is not legal advice for your specific situation and does not create an attorney-client relationship. Laws, procedures, and local practice can change and may vary by county. If you have a deadline, act promptly and speak with a licensed North Carolina attorney.