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She needs to call the agent handling her claim and ask him if he's familiar with NC's bad faith laws and exactly what those words entail should she be FORCED to enter litigation to recoup her damages.
Insurance companies are idiots sometimes and dicks the rest of the time, they count on screwing people 99% of the time when they're dicks to pay for the ridiculous settlements that occur when they're idiots and get sued by a competent attorney.
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