All contracts of insurance on property, lives, or interests in this State shall be deemed to be made therein, and all contracts of insurance the applications for which are taken within the State shall be deemed to have been made within this State and are subject to the laws thereof.
N.C. Gen. Stat. § 58-3-1
State law governs insurance contracts
Applied in 15 court decisions — leading case 123 N.C. App. 650 - Martin v. Continental Insurance (1996)
Most recently applied in Tanger Props. Ltd. P'ship v. Ace Am. Ins. Co. (October 2025)
1899, c. 54, s. 2; 1901, c. 705, s. 1; Rev., s. 4806; C.S., s. 6287.
How often courts cite this section
Court decisions citing this, by year. The dip in the last several years is a data-coverage gap, not a real trend — our corpus holds fewer opinions from the most recent years, so recent citations are undercounted.
Official source: North Carolina General Assembly. Reproduced from public-domain North Carolina statutes; confirm against the official source for the current text. Not legal advice.