North Carolina
Your AI Accident Assistant for North Carolina.
We handle North Carolina property-damage claims end-to-end — body shop, rental, total loss, diminished value, loss-of-use, and recovery dollars.
How North Carolina treats your claim
- Total loss threshold
- 75% of fair market value
- Appraisal clause
- Mandatory in policies
- Diminished value (DV) recovery
- Recoverable
- Loss-of-use (extended rental)
- Recoverable as damages
- Statute of limitations
- 3 years
- Small claims cap
- $10,000
- Fault rule
- Strict contributory (no recovery if any fault)
- First-party PA license
- Not required for consumer DIY
TMT: a fixed % triggers a total loss.
N.C.G.S. § 20-279.21(d1) statutory appraisal mechanism (no Mabry-equivalent NC Supreme Court substantive 1P DV duty)
N.C.G.S. § 58-33A-5 (Public Adjusters)
Dive deeper into North Carolina
What Claimoe does for North Carolina claims
- · Drafts every adjuster email for your approval, with North Carolina-specific language and citations.
- · Calculates your diminished value using the 17c framework and N.C.G.S. § 20-279.21(d1) statutory appraisal mechanism (no Mabry-equivalent NC Supreme Court substantive 1P DV duty).
- · Tracks the 60-day appraisal-clause window and invokes it when your carrier holds.
- · Files loss-of-use extensions if your rental cap expires before repair completes.
- · Watches your case 24/7 and only pings you when you need to decide.
Other states we cover
Drafted by AI · North Carolina rules summarized for general information; not legal advice. We update each state as carriers and legislatures change. Source citations linked from your case dashboard.