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Auto and Vehicle Insurance NC DOI

Details: Auto insurance is a contract between you and the insurance company. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy contract. Automobile insurance protects you financially by paying the other driver’s car repair and medical bills if you are found legally responsible for an

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Losing Your Insurance NC DOI

Details: Insurance companies have the right to terminate your auto insurance coverage; however, they must follow the guidelines listed in your policy. There are 3 ways to lose your auto insurance: Cancellation (when your policy is terminated during the policy period); Nonrenewal (when your auto insurance company refuses to renew your policy); or Automatic Termination …

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Basic and Miscellaneous Auto Coverages NC DOI

Details: Basic and Miscellaneous Auto Coverages. Automobile insurance is used to protect you against expenses you may not otherwise be able to afford if you are involved in an automobile accident. The automobile policy is a combination of four individual types of coverages. There are also coverages that can be purchased in addition to the basic coverages.

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After an Accident NC DOI

Details: If your car must be totaled. If a motor vehicle is damaged, to the extent that the total cost of repair is equal to or exceeds 75 percent of the preaccident actual cash value (ACV), the insurer shall consider the vehicle a total loss. When your car is totaled, the insurance company is responsible for its ACV.

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Teen Drivers NC DOI

Details: Teen drivers already pay more for car insurance than more experienced drivers, and if you're not following the rules of the road, your costs will be even higher. Insurance companies consider teens a higher risk, because inexperienced drivers are much more likely to get into accidents. In fact, the risk of motor vehicle crashes is higher among

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Safe Driver Incentive Plan NC DOI

Details: 8 rows · Safe Driver Incentive Plan. Driving safely saves lives and money. The North Carolina …

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Driving for a Transportation Network or Delivery

Details: When it comes to auto insurance for rideshare driving (Uber, Lyft, etc.), or a delivery network platform (Uber Eats, GrubHub, Door Dash, Instacart, Amazon Flex, etc.), the most important thing you need to know is that personal auto insurance policies DO NOT cover you or your vehicle for the ownership or operation of a vehicle while it is being

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Assistance or File a Complaint NC DOI

Details: The North Carolina Department of Insurance pledges to seek fair treatment of all parties in insurance transactions. We are here to serve you. If you have questions, the Consumer Services Division of the Department of Insurance is here to help. Toll-free: 855-408-1212. North Carolina Department of Insurance 325 N. Salisbury Street Raleigh, NC 27603

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Long-Term Care Information NC DOI

Details: Genworth Life Insurance Company - 1-800-456-7766. Mutual of Omaha Insurance Company - 1-800-896-5988. Northwestern Long-Term Care Insurance Company - 1-800-890-6704. State Farm Mutual Automobile Insurance Company - 1-866-855-1212. Thrivent Financial – 1-800-847-4836.

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Rate Information for North Carolina Consumers NC DOI

Details: Rate Filings with Increase of 15 % or More. As an "Effective Rate Review State" under federal health care reform, the North Carolina Department of Insurance must make public the information contained in Parts I, II and III of the federal Rate Filing Justification for comprehensive health insurance rate filings with significant rate increases.

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home-page NC DOI

Details: Insurance can be confusing. One of our most important jobs is to help educate North Carolinians about insurance-related issues so you can make informed decisions for you and your family. If you have questions about insurance, need to file a complaint or want to report suspected insurance fraud, we can help.

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FAQs About Auto Insurance NC DOI

Details: Whenever your liability coverage is cancelled or nonrenewed, your insurance company is required to notify the North Carolina Division of Motor Vehicles (DMV). The DMV is required to notify you when they receive the notification. If there is a penalty, the DMV will advise you of such and what action, if any, that you need to take.

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Become an Insurance Agent or Adjuster NC DOI

Details: Obtain an Insurance License. All North Carolina applicants for an insurance license may obtain an Insurance Licensing Examination Candidate Guide (free of charge) by accessing the link below or www.pearsonvue.com or by calling Pearson VUE at 866-265-6329. The Candidate Guide contains pertinent information relating to prelicensing and examination …

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› Url: https://www.ncdoi.gov/licensees/agent-and-adjuster-licensing/become-insurance-agent-or-adjuster Go Now

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Information for Insurers NC DOI

Details: North Carolina Department of Insurance. Physical Address: Albemarle Building 325 N. Salisbury Street Raleigh NC 27603-5926. Mailing Address: NC Department of Insurance 1201 Mail Service Center Raleigh NC 27699-1201. Toll Free 855-408-1212. Agent Services: 919-807-6800. Contact NCDOI Employee Directory Careers at NCDOI Calendar

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A CONSUMER’S GUIDE TO AUTOMOBILE INSURANCE

Details: Insurance is a complex issue, and it is the responsibility of the North Carolina Department of Insurance to keep consumers informed. This booklet will help explain the basic automobile insurance coverages, discuss factors that influence your rates, describe what is involved in settling your claim and answer some of the most

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Agreement Reached on NC Auto Insurance Rates NC DOI

Details: Insurance Commissioner Mike Causey announced the signing of a settlement agreement with the North Carolina Rate Bureau in response to the Rate Bureau's Feb. 1, 2017, request for a 13.8% increase in auto insurance rates. The North Carolina Department of Insurance agreed to a lower average increase of 2.2% - a savings of more than $1 billion for …

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Durham woman charged with insurance fraud NC DOI

Details: North Carolina Insurance Commissioner Mike Causey today announced the arrest of Robin Sherick Jones, 43, of 1914 Jersey Ave., Durham. Jones was charged with insurance fraud, a felony. Special agents with the Department of Insurance’s Criminal Investigations Division accuse Jones of falsely telling Peak Property and Casualty Insurance

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Winston-Salem woman who reported her car stolen charged

Details: Winston-Salem woman who reported her car stolen charged with insurance fraud. RALEIGH. Jan 5, 2022. North Carolina Insurance Commissioner Mike Causey today announced that Tiffany Ann Littlejohn, 29, of 1413 Douglas St., Winston-Salem, was charged with insurance fraud and obtaining property by false pretense, both felonies.

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Warranty-Service Agreements NC DOI

Details: Warranty-Service Agreements. Beginning October 1, 2007, service agreements on motor vehicles are governed by N.C. General Statute §§ 66-370, 66-372, and 66-373; and service agreements on home appliances are governed by N.C. General Statute §§ 66-371, 66-372, and 66-373. The Department of Insurance does not regulate companies that sell

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Obtain an Insurance Business License NC DOI

Details: Business Entities License Types. License Type. Explanation. Corporation or Partnership. These licenses permit a business entity organized as corporation, association, partnership, limited liability company, limited liability partnership, or other legal entity, to participate in the business of insurance and be paid commissions by a carrier on policies written by …

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Special Agents charge Columbus County woman with insurance

Details: North Carolina Insurance Commissioner Mike Causey today announced the arrest of Maxine Bracey Smith, 51, of 322 Mill Quarter Road, Hallsboro. Smith was charged with insurance fraud and attempting to obtain property by false pretense, both felonies. Special Agents with the Department of Insurance’s Criminal Investigations Division accuse Smith of …

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Greensboro man charged with insurance fraud in hit-and-run

Details: North Carolina Insurance Commissioner Mike Causey today announced the arrest of Jeremy Tyler Harris, 25, of 1305 Vine St., Greensboro. Harris was charged with insurance fraud and attempting to obtain property by false pretense. Special agents with the Department of Insurance’s Criminal Investigations Division accuse Harris of falsely reporting to National …

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Man, woman charged with insurance fraud in staged crash

Details: The damage to Johnson’s car was pre-existing and the accident was staged, according to the criminal summons. The offenses occurred on July 10, 2019. Both were served with criminal summonses and are due in Lee County District Court on May 26. "Insurance fraud is a crime affecting everyone,” Commissioner Causey said.

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Press Releases NC DOI

Details: Raleigh man, claiming repossessed car was stolen, charged with insurance fraud. North Carolina Insurance Commissioner Mike Causey today announced the arrest of Karshi Demel Swinson-Davis, 21, of 307 Wolf Creek Circle, Raleigh. Swinson-Davis was charged with insurance fraud and attempting to obtain property by false pretense, both felonies.

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Individual Major Medical Health Insurance NC DOI

Details: Individual Major Medical Health Insurance. Health insurance coverage may be offered either through an individual policy or a group policy with an employer group plan or other group affiliation. The primary insured person is the policyholder of an Individual plan and makes all decisions regarding the coverage chosen and changes made.

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Winston-Salem man charged with insurance fraud involving

Details: Winston-Salem man charged with insurance fraud involving repossessed car. RALEIGH. Dec 6, 2021. North Carolina Insurance Commissioner Mike Causey today announced that Cornell Isaac Taylor, 40, of 1221 Motor Road, Winston-Salem, has been charged with insurance fraud and attempting to obtain property by false pretense, both felonies.

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Asheboro man charged with insurance fraud NC DOI

Details: Special agents with the Department of Insurance’s Criminal Investigations Division accuse Shaffer of telling Liberty Mutual Insurance Corp. that his 2007 Chrysler Aspen sustained damage from a single-car crash after he added insurance coverage to the vehicle.

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Auto insurance companies ask for 7.6 percent rate increase

Details: The North Carolina Rate Bureau submitted its annual auto insurance filing with the N.C. Department of Insurance and is requesting an overall statewide average increase of 7.6 percent, announced Insurance Commissioner Mike Causey. The NCRB represents the state's insurance companies and is a separate entity from the N.C. Department of Insurance.

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Causey Provides Insurance Checklist for the New Year NC DOI

Details: Auto Insurance. Have you had any changes to your driving habits? If so, tell your agent to ensure your auto policy will cover you in case of an accident. Also take some time to check your auto insurance policy by following the guidelines below: Make sure your coverage is appropriate for your life situation. Liability is the part of the policy

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Insurance companies request rate increase for homeowners

Details: Insurance Commissioner Mike Causey announced today the North Carolina Rate Bureau has requested a 24.5% statewide average increase in homeowners' insurance rates to take effect August 2021. The NCRB is not part of the N.C. Department of Insurance but represents companies that write insurance policies in the state. The Department can either …

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Consumers NC DOI

Details: Auto and Vehicle Insurance. Homeowners Insurance. Life Insurance. Health Insurance. Questions about Medicare? The Seniors' Health Insurance Information Program (SHIIP) helps Medicare beneficiaries and caregivers with Medicare, Medicare supplements, Medicare Advantage, Medicare Part D, and long-term care insurance. We offer free and …

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Op-ed: Commissioner Causey -- Avoid distracted driving

Details: This also holds down automobile insurance rates. When drivers get distracted by texting or using cell phones, setting a GPS, changing the radio station, eating, drinking, putting on makeup or tending to a child in the car, accidents happen. We know that distracted driving crashes put upward pressure on insurance premium rates.

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Fortified Homes & Mitigation Credits NC DOI

Details: Fortified Homes & Mitigation Credits. Certain mitigation credits (or discounts) may be available for qualifying homeowners insurance policies in North Carolina’s beach and coastal territories. The mitigation credits can provide premium discounts for wind and hail coverage on homes with qualifying construction features that help mitigate

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A CONSUMER’S GUIDE TO INSURANCE COMPANIES' USE OF …

Details: insurance company has your correct name, address, social security number and birth date. While some Auto and Homeowners insurance companies may look at your actual credit report, most rely upon an “insurance credit score,” developed to predict the policyholder’s (or applicant’s) likelihood of future insurance losses and claims.

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Look before you lock: Commissioner Mike Causey

Details: As temperatures heat up with the onset of summer, Insurance Commissioner Mike Causey reminds North Carolinians of the dangers of leaving children and pets inside cars. “The fun of summer can quickly become tragic if parents mistakenly leave their child or pet inside a car,” said Commissioner Causey. “It only takes 10 minutes for the temperature to rise to …

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North Carolina Producer License

Details: North Carolina Department of Insurance. Physical Address: Albemarle Building 325 N. Salisbury Street Raleigh NC 27603-5926. Mailing Address: NC Department of Insurance 1201 Mail Service Center Raleigh NC 27699-1201. Toll Free 855-408-1212. Agent Services: 919-807-6800. Contact NCDOI Employee Directory Careers at NCDOI Calendar

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Rockingham County mother, son charged with insurance fraud

Details: Special Agents with the Department of Insurance’s Criminal Investigations Division accuse Inman of obtaining $10,635.19 from Allstate Property and Casualty Insurance Co. by falsely telling the insurance company that her car and truck had been struck multiple times by deer and other animals.

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Special Agents accuse Smithfield woman of insurance fraud

Details: North Carolina Insurance Commissioner Mike Causey today announced the arrest of Calleigh Marie Grennier, 29, of 110 S. Lakeside Drive, Smithfield. Grennier was charged with felony insurance fraud Special Agents with the Department of Insurance's Criminal Investigations Division accuse Grennier of making a false and misleading statement regarding …

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Look before you lock: Commissioner Mike Causey

Details: As temperatures heat up with the onset of summer, Insurance Commissioner Mike Causey reminds North Carolinians of the dangers of leaving children and pets inside cars. “The fun of summer can quickly become tragic if parents mistakenly leave their child or pet inside a car,” said Commissioner Causey.

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Back to School Safety: Know the rules of the road NC DOI

Details: August is Back to School Safety Month, and North Carolina Insurance Commissioner Mike Causey, who also serves as Chair of Safe Kids N.C., reminds students, parents, and motorists to use extra caution as students walk, drive, or ride the bus to school. "With children going back to school, our roads and crosswalks will be much more crowded so …

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August is Back to School Safety Month: Know the rules of

Details: August is Back to School Safety Month, and North Carolina Insurance Commissioner Mike Causey who also serves as the Chair for SafeKids NC reminds students, parents, and motorists to use extra caution as students walk, drive, or ride the bus to school. “Passing a stopped school bus can result in the motorist adding four insurance points and …

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Causey kicks off Child Passenger Safety Week Monday NC DOI

Details: Insurance Commissioner Mike Causey is joining the North Carolina Governor’s Highway Safety Program, law enforcement agencies and first responders to host an event to ensure children are secured in a properly installed child safety seat when riding in a vehicle to save lives.. To kick off Child Passenger Safety Week, which runs Sept. 19-25, Commissioner Causey and NCGHSP …

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Workers' Compensation NC DOI

Details: North Carolina Department of Insurance. Physical Address: Albemarle Building 325 N. Salisbury Street Raleigh NC 27603-5926. Mailing Address: NC Department of Insurance 1201 Mail Service Center Raleigh NC 27699-1201. Toll Free 855-408-1212. Agent Services: 919-807-6800. Contact NCDOI Employee Directory Careers at NCDOI Calendar

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Report on Market Conduct Examination of the Liberty Mutual

Details: Department and procedures established by the National Association of Insurance Commissioners (NAIC). The scope of this examination as not comprehensivew, but rather was a target examination of the Companies’ practices and procedures marketing, underwritingin and rating , and claims.

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A CONSUMER’S GUIDE TO SHOPPING FOR INSURANCE

Details: auto coverage from what appears to be a reputable insurance company. The consumer later learns the company never received the application or payment. • A multi-level marketing or “pyramid” scheme -- an e-mail or Internet Web site offers various financial incentives, including an insurance policy, to those who pay a membership fee.

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Fraud Control NC DOI

Details: North Carolina Department of Insurance. Physical Address: Albemarle Building 325 N. Salisbury Street Raleigh NC 27603-5926. Mailing Address: NC Department of Insurance 1201 Mail Service Center Raleigh NC 27699-1201. Toll Free 855-408-1212. Agent Services: 919-807-6800. Contact NCDOI Employee Directory Careers at NCDOI Calendar

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