Insurance Adjuster:

[Unit 5302]

I'm not sure how your state is setup. Minnesota is setup very well for situations such as these. In our "No Fault" state, you would submit your medical bills to your own insurance company. Your insurance company would pay the bills and subrogate for their expenses.

Unfortunately, it sounds like your state is setup different than Minnesota, and you will have to get a personal injury attorney. You may try contacting your state's insurance commissioner. Depending on how aggressive your states commissioner is, the insurance company may opt to pay your claim rather than lose their license to practice insurance in NC. In Minnesota, mentioning the Commissoner of Commerce and then following through can often grease the wheels quickly.