Many people in North Carolina sustain damage to their homes or cars, or other losses, and submit claims to their insurance companies. Many of these are resolved quickly and amicably between the person with the loss (the "insured') and the insurance company ("insurer"). Unfortunately, however, some insurance cases do not resolve quickly and amicably.
Law Offices of John M. Kirby has represented parties in insurance claims in North Carolina for nearly twenty years. He has argued insurance cases to the North Carolina Supreme Court, and the North Carolina Court of Appeals. He has taught continuing education classes to lawyers and to insurance professionals regarding several areas of insurance coverage, including "bad faith," uninsured and underinsured motorist coverage, and liability coverage.
People and businesses in North Carolina have different types of insurance, including automobile insurance, homeowners insurance, life insurance, disability insurance, renter's insurance, health insurance, commercial general liability (CGL) insurance etc. Some of these policies provide many types of coverage, such as business interruption coverage, and coverage for "personal injuries," including defamation and other torts. These policies also have numerous "exclusions" from coverage. The scope of coverage afforded is typically determined by the terms of the policy, but other doctrines can also affect coverage.
An insurance company in North Carolina is obligated to handle the insurance claim in "good faith," and to comply with specific claims handling practices. An insurer which breaches these duties can be liable for punitive or treble damages. John Kirby has represented parties in claims involving insurance bad faith, at the trial and appellate level in North Carolina.
The regulation of the insurance industry in North Carolina is handled by the North Carolina Department of Insurance. A dispute between the insured and insurer often must be litigated in Court, and decided by a judge or jury. An Article on this website regarding insurance coverage provides an overview of many issues often encountered in the litigation of insurance disputes.
Both the insurer and the insured dealing with an insurance issue often need the services of a lawyer. The lawyer can review the policy to determine the coverage afforded. Evaluating an insurance claim often involves a review of precedential cases applying insurance Insurance law is constantly evolving in North Carolina. This site has a page for recent cases in North Carolina, which includes many insurance cases.