Short Answer

In North Carolina, you can submit an uninsured motorist (UM) demand by emailing your auto insurer’s assigned adjuster or the insurer’s designated claims inbox, with the claim number in the subject line. Include proof the at-fault driver is uninsured, plus liability and damages documentation. Confirm receipt in writing. Emailing a demand does not pause filing deadlines; North Carolina injury claims generally must be filed in court within three years.

Understanding the Problem

You want to email an uninsured motorist demand to your insurer in North Carolina. The goal is to get the demand to the right claims email with the claim number in the subject line so it is routed correctly. Here, counsel represents the bodily injury claim and needs the correct email address and subject format for a timely, trackable submission to the insurer.

Apply the Law

Under North Carolina law, UM coverage lets an injured person pursue benefits from their own policy when the at-fault driver has no liability insurance or is unknown. The initial “forum” is your insurer’s claims department. You must give timely notice under the policy and substantiate two things: that the at-fault driver is uninsured (or unknown) and that your injuries and losses were caused by that driver. Lawsuits over UM coverage proceed in court if the claim cannot be resolved, and general personal-injury filing deadlines still apply.

Key Requirements

• Timely written notice: Notify your insurer promptly and submit your UM demand in writing; use the claim number in the email subject.
• Proof of uninsured status: Include evidence that the at-fault driver had no liability coverage (for example, an insurer denial or other confirmation). For unknown drivers, follow your policy’s hit-and-run requirements.
• Liability documentation: Provide facts and records showing the other driver caused the crash (police report, photos, witness statements).
• Damages proof: Attach medical records and bills, wage documents, and repair or total-loss proof.
• Policy compliance: Include any authorizations your policy requires and send the demand through the insurer’s designated email or portal; confirm receipt.
• Preserve deadlines: Email does not extend court filing deadlines; North Carolina injury claims generally carry a three-year filing limit.

What the Statutes Say

• North Carolina Gen. Stat. § 20-279.21 (Financial Responsibility; UM/UIM coverage) – Sets requirements for UM coverage in auto policies.
• North Carolina Gen. Stat. § 58-63-15 (Unfair claims practices) – Insurers must handle claims fairly and respond reasonably to communications.
• North Carolina Gen. Stat. § 1-52 (Limitations—three years) – Most personal-injury and property-damage claims must be filed within three years.

Analysis

Apply the Rule to the Facts: Because there is an open injury claim and counsel is involved, counsel should email the assigned adjuster or the insurer’s claims inbox, placing the claim number in the subject as required. The email should include proof the at-fault driver is uninsured (or unknown), liability evidence, and damages documentation. Since email does not stop the court deadline, counsel should calendar the three-year limit and follow up to confirm receipt and next steps.

Process & Timing

1. Who files: Your attorney. Where: The insurer’s assigned adjuster’s email or the insurer’s designated claims email/portal in North Carolina. What: A “Uninsured Motorist Settlement Demand” email with the claim number in the subject, plus a demand letter and attachments (police report, proof of no insurance/unknown driver, medical records/bills, wage proof, photos). When: As soon as uninsured status, liability, and damages can be documented, and well before the three-year court filing deadline.
2. Request written acknowledgement from the insurer and a target date for evaluation. If no response, follow up within a reasonable period and escalate through the claims supervisor if needed.
3. If the claim cannot be resolved, file suit in the appropriate North Carolina trial court to preserve rights under the policy and the statute of limitations.

Exceptions & Pitfalls

• Hit-and-run specifics: Many policies require independent corroboration or other specific proof before UM benefits apply to unknown drivers—check and satisfy your policy’s requirements.
• Uninsured proof gaps: A bare assertion that the other driver “has no insurance” is not enough; include documentation that reasonably confirms lack of coverage.
• Wrong inbox or missing subject: Sending to a generic address without the claim number in the subject can delay routing; verify the correct email and format with the adjuster.
• File size/format issues: Large attachments may bounce; use PDFs, compress files, or a secure link if the insurer provides one.
• Deadlines and rights: Do not assume the insurer’s evaluation tolls the statute of limitations; calendar the court deadline and any policy notice/cooperation duties.

Talk to a Personal Injury Attorney

If you’re dealing with an uninsured motorist claim and need to get your demand to the right place fast, our firm has experienced attorneys who can help you understand your options and timelines. Call us today at [919-341-7055].

Disclaimer: This article provides general information about North Carolina law based on the single question stated above. It is not legal advice for your specific situation and does not create an attorney-client relationship. Laws, procedures, and local practice can change and may vary by county. If you have a deadline, act promptly and speak with a licensed North Carolina attorney.