Yes, you do. North Carolina law gives protections for claimants when going through the insurance claim process.
Your insurance company must – by law — approach the claim process reasonably and fairly. It must do things like conduct a reasonable investigation before refusing to pay a claim, offer only reasonable settlement amounts, and attempt in good faith to settle your claim promptly, fairly, and equitably once liability on the claim becomes clear. N.C. Gen. Stat. §58-63-15(11). If it does not, then it may be investigated and penalized by the Commissioner of Insurance, and even have its license revoked. N.C. Gen. Stat. § 58-63-15(11), 20, 25, 32, 50; N.C. Gen. Stat. § 58-3-100.