How many days does notice of claim allow after a loss to be filed?

• A. 20 days
• B. 30 days
• C. 15 days
• D. 60 days

Answer: (A)

Notice of claim is about when you must tell the insurer that a loss has occurred so they can start the claim process. In North Carolina accident and sickness policies, you’re generally required to notify the insurer within 20 days after the loss (or as soon as reasonably possible if delays are due to circumstances beyond your control). This 20‑day window lets the insurer begin the investigation, verify details, and move forward with handling benefits in a timely way. The other numbers aren’t the standard notice period in these policies, and missing the 20‑day window can complicate or even compromise eligibility for benefits unless there’s a valid, documented excuse.