This happens a lot, for various reasons. Because of the pure contributory negligence laws in North Carolina, there are often situations where the insurance company claims the victim contributed to the accident and therefore they don’t have to pay. In other cases, they may say this particular type of accident isn’t covered by the policy for some reason.
If your claim has been denied for any reason, don’t try to contact the insurance company yourself. It can be tempting, but this may not work out well for you. As we mentioned earlier, it’s easy to say something innocent that the insurer decides is proof of wrongdoing on your part, and you could inadvertently make the situation worse. Instead, take the letter and call a personal injury lawyer right away. In many cases, your attorney may be able to negotiate with the insurance carrier and convince them to reconsider. If these efforts don’t work out, your lawyer can help you take the matter to court and argue your case.