888-843-8326 Are you having difficulty getting an insurance company to approve your claim? No matter if the insurer has denied your claim, delayed payments, or offered less than you believe your injuries are worth, don’t wait any longer to call a personal injury lawyer serving Wilmington.
With the CR Legal Team by your side, you’ll have support from a diverse, approachable, and caring Team that makes everyone feel welcome. Our Team has over 600 years of combined legal experience.
Founded in 1989 and rebranded from Crumley Roberts to CR Legal Team in 2022, our Team brings decades of experience to every case we handle. We’ll apply Whole-Person Legal Care™ as we advocate for you and serve as your insurance dispute lawyer in Wilmington.
Understanding Insurance Disputes in North Carolina
An insurance dispute can happen when an insurer does any of the following:
- Refuses to pay a claim
- Questions whether a policy provides coverage
- Delays the decision-making process
- Undervalues the extent of your losses
- Offers a settlement that doesn’t reasonably account for the harm you suffered
Sometimes, the disagreement centers on what happened. Other times, the facts are not seriously disputed, but the insurer and injured person disagree about the value of the claim. Ultimately, an insurance claim is governed by the terms of the applicable policy.
North Carolina state laws can also affect the outcome, but your Wilmington insurance dispute lawyers can examine this information on your behalf:
- Your policy
- The correspondence
- Medical records
- Evidence of the accident
- Other documentation
By looking at this information, your attorneys can determine why the insurer reached its position and if that position has a legal basis. North Carolina laws also address unfair insurance claim settlement practices.
Under N.C. Gen. Stat. § 58-63-15(11), certain conduct is defined as an unfair claim settlement practice when performed with enough frequency to indicate a general business practice. The statute addresses this conduct:
- Misrepresenting relevant policy provisions
- Failing to investigate claims reasonably
- Refusing to pay without a reasonable investigation
- Failing to explain the basis for a denial
- Choosing not to pursue fair settlements when liability is reasonably clear
Importantly, the statute itself states that a violation does not, by itself, create a private cause of action for someone other than the Commissioner of Insurance.
However, that doesn’t mean an insurer’s conduct is irrelevant to a person’s legal claim. Wilmington insurance dispute attorneys can examine the insurer’s actions alongside other potential legal claims and available remedies.
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Injured? Talk to a lawyer for free.
Contact CR Legal Team now and let us Stand Up for the recovery you deserve.
Call 888-843-8326Deadlines and Policy Language Can Shape Your Claim
North Carolina‘s general statute of limitations provides three years for many personal injury actions and certain contract-related claims. Insurance policies can contain additional provisions concerning notice, proof of loss, and legal action.
Furthermore, particular insurance types have their own statutory requirements. This is one reason an insurance dispute should not be treated as simply a disagreement over a settlement number. Insurance dispute attorneys in Wilmington can help you understand and meet applicable deadlines.
What an Insurance Dispute Lawyer Can Handle for You
When an insurance company refuses to pay or offers less than the claim warrants, you do not have to personally handle every conversation and legal issue. Insurance dispute lawyers in Wilmington can take responsibility for these parts of the dispute:
- Reviewing insurance policies and identifying coverage provisions that apply to the claim
- Investigating the underlying accident, injury, property damage, or death
- Gathering medical records, bills, employment documentation, photographs, and reports
- Communicating with insurance adjusters and defense lawyers
- Responding to arguments concerning liability, causation, coverage, and damages
- Calculating losses that extend beyond immediate medical expenses
- Addressing medical liens, reimbursement claims, and related financial issues
- Negotiating with the insurer for an appropriate settlement
- Filing a lawsuit when litigation is necessary to protect the client’s rights
- Handling the litigation process through settlement or trial
The lawyer’s role is not limited to sending a demand letter. A strong legal claim should account for the facts, the applicable law, the available insurance coverage, and the long-term effect of the injury.
That difference in perspective can make legal representation valuable. Your Wilmington insurance dispute attorneys can take over communications, explain what the insurer’s requests mean, identify problems with a denial or settlement offer, and pursue the claim for clients.
That way, the injured person can have legal support when dealing with their insurance dispute.
Good News
Our Personal Injury Lawyers Serving Wilmington are ready to help.
Contact CR Legal Team now and let us Stand Up for the recovery you deserve.
Call 888-843-8326Good News: CR Legal Team Can Help You As Your Wilmington Insurance Dispute Attorneys
Insurance disputes often leave injured victims wondering if an insurer’s decision is final. It’s worth noting that this is not always the end of the legal process. In fact, attorneys can review denials, delayed payments, and low settlement offers in light of the policy, evidence, and law.
At CR Legal Team, We Stand Up For You®. Our Team has been serving our communities for over 35 years. Previously known as Crumley Roberts, we transitioned to our current name in 2022. Our Team has served more than 200,000 clients and recovered billions of dollars for our clients.
Through The Roberts Center for Leadership, Education, Advancement, and Development, we support prevention-focused efforts intended to educate, empower, and improve communities. If an insurance company has disputed your claim, call CR Legal Team.
