How long do I have to settle an insurance claim.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 11, 2011

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Insurance Question from Monroe, NC

Asked on 10/11/2011

How long do I have to settle an insurance claim. I was involved in an auto accident almost two years ago that was no fault of mine. i have been negotiating with the other drivers insurance company and have declined their offer for pain and suffering which i felt was much less than I deserved. I wrote a letter to them about 1 month ago and have not heard back from them yet. Is there a time limit on my claim?

Answer given on October 12, 2011

In the state of NC the statue states that you have three years from the date of the accident to file a claim or settle with an insurance company or file a law suit. For more information on this statue, you can contact the Department of Insurance for North Carolina at 800-546-5664.  Or, if you feel you are being treated unfairly by the insurance company, talk with an attorney. He or she can determine if you are getting a fair settlement and if not, file a law suit on your behalf.  Click here for a free consultation by an attorney in your area.      

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