WHEREAS, pursuant to North Carolina General Statute § 58-2-46, Commissioner Mike Causey has issued an order on March 27, 2020 which invokes Subdivisions (1) through (3) therein effective and provides for state of disaster automatic stay of proof of loss requirements, premium and debt deferrals, and WHEREAS, as on March 25, 2020 President Trump approved a Major Disaster Declaration for the state of North Carolina to supplement the state, tribes, and local recovery efforts in the areas affected by the impact of the Coronavirus Disease 2019 (COVID-19) pandemic beginning January 20, 2020 and continuing, NOW THEREFORE, pursuant to the authority vested in me as Commissioner of Insurance by North Carolina General Statute §58-2-46, IT IS ORDERED AND DECLARED:
SECTION 1. Subdivisions (1) through (3) of North Carolina General Statute 58-2-46 are effective for this disaster in all 100 North Carolina counties.
SECTION 2. Compliance with the provisions North Carolina General Statute §58-2-46 is required of all insurance companies, premium finance companies, collection agencies, and other persons subject to North Carolina General Statutes Chapter 58.
SECTION 3. This Order will expire 60 days from the date of issuance of this Order.
This 27th day of March 2020
To: All Insurance Companies and other Entities Licensed under Chapter 58
Of the North Carolina General Statutes
From: Mike Causey, Commissioner of Insurance
Date: March 27, 2020
Subject: COVID-19 Pandemic
On March 25, 2020 President Trump approved a Major Disaster Declaration for the state of North
Carolina to supplement the state, tribes, and local recovery efforts in the areas affected by the
Coronavirus Disease 2019 (COVID-19) pandemic beginning on January 20, 2020 and continuing.
On March 27, 2020 Insurance Commissioner Causey issued an order that activated the state of
disaster automatic stay of proof of loss requirements, and premium and debt deferrals as
authorized under the provisions of NCGS 58-2-46 for residents of all 100 counties in North
Pursuant to NCGS 58-2-46, this bulletin pertains to all insurance companies and includes a service
corporation, HMO, MEWA, surplus lines insurer, the underwriting associations defined in NCGS 58-45-
5(1) and NCGS 58-46-5, premium finance companies, collections agencies, and other persons subjectto Chapter 58 of North Carolina General Statutes.
NCGS 58-2-46 provides the specifics pertaining to extensions, deferrals, and other extra requirements applicable to the entities as referenced therein. Such entities are required to provide their customers adversely affected in the disaster area specific relief of the insureds’ payment, submission of claims and other responsibilities. You are encouraged to review the statutory requirements for proper implementation.
All entities that are subject to North Carolina’s External Review Law, NCGS 58-50 Part 4, shall allow
consumers, whose requests may have been impacted by the disaster, additional time for their requests to be received and reviewed. Additionally, for cases that have been accepted and additional information is being submitted, the timeframes for receiving this information will also be extended.
Check the NC Department of Insurance web site for possible future updates.
Please refer any questions regarding Premium Finance and Collection Agencies to Angela Hatchell at
Please refer any questions regarding Life & Health to Ted Hamby at Ted.Hamby@ncdoi.gov
Please refer any questions regarding Property & Casualty to Fred Fuller at Fred.Fuller@ncdoi.gov
Please refer any questions regarding External Review to Susan D. Nestor at Susan.Nestor@ncdoi.gov