INSURANCE BAD FAITH DEMAND LETTER – NORTH CAROLINA

To: [Insurance Company Name, Claims Department Address]
From: [Insured/Claimant Name, via Counsel if applicable]
Date: [DATE]
Claim Number: [CLAIM NUMBER]
Policy Number: [POLICY NUMBER]
Insured: [INSURED NAME]
Date of Loss: [DATE OF LOSS]
Claim Type: [First-Party / UM-UIM / Property]

1. INTRODUCTION

This letter demands immediate payment. Insurer's conduct may violate North Carolina's unfair and deceptive trade practices laws.

2. FACTUAL BACKGROUND

• Date of Loss: [DATE] — [describe loss]
• Coverage: [$LIMITS]
• Status: [Unpaid / Underpaid / Denied]

3. LEGAL BASIS – NORTH CAROLINA REMEDIES

Unfair and Deceptive Acts (N.C. Gen. Stat. § 58-63-15)

Unfair claims settlement practices may support a claim under N.C. Gen. Stat. § 75-1.1, which provides:
- Treble damages;
- Attorney's fees and costs.

4. DAMAGES

• Policy benefits: [$AMOUNT]
• Treble damages under § 75-1.1
• Attorney's fees and costs

5. DEADLINE

Payment due by: [DATE – 30 days]

Signed:
[Name / Attorney]
[Contact Information]