In many personal injury matters, determining if there is additional insurance coverage can be a key element in ensuring that all available resources have been exhausted. In North Carolina, many policies may include additional layers such as umbrella coverage or separate commercial auto policies. When you are handling a case on your own, you need to take several careful steps to confirm whether such policies exist.
First, contact the insurance carrier to verify all policies associated with the vehicle involved or with the business entity. To confirm, request the policy details in writing. It is common for primary policies to have clauses that require matching underlying coverages for any additional umbrella or excess liability policies. Insurance companies in North Carolina provide guidance on verifying such coverage; however, paperwork errors might occur. Always double-check claim numbers and policy references to avoid confusion.
While reviewing documents, note the policy limits. In some instances, a policy may seem to offer substantial limits verbally, but the actual contract might have lower coverage limits. Additionally, if a decedent was involved, verify if any endorsements or limitations exist that could affect the available coverage. Confirming the presence or absence of an umbrella policy is essential when trying to meet the demands of a claim, as missing coverage could mean relying solely on the commercial auto policy. For more details on verifying insurance coverage and requirements, visit our
insurance coverage guide.
Once you have gathered this information, keep a record of all correspondence and documentation received from the insurer. This organized approach will support your case should any disputes arise regarding coverage limits. In North Carolina personal injury cases, clear documentation plays a critical role in negotiations or potential litigation.
Key Steps to Confirm Additional Coverage
- Contact the insurance carrier and provide your claim or policy number.
- Request a copy of all active policies, including any umbrella or excess liability provisions.
- Review the limit details and endorsements on each policy.
- Maintain detailed records of your communications with the insurer.
- Discuss any unclear or ambiguous coverage details in writing with the insurer.
If you feel overwhelmed by these details or if the insurer’s response is ambiguous, remember that you have options. Wallace Pierce Law has experienced attorneys who can review your case documentation and help clarify any uncertainties. If you prefer professional assistance rather than handling the process on your own, reach out to us at
intake@wallacepierce.com or give us a call at
(919) 313-2729. Let us help secure your full entitled benefits.
