No. Like uninsured motorist coverage, using your medical payments coverage should not impact your insurance premiums. To read more about medpay please visit our Car Accident FAQs or click "here" for further information.
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Blog Archives
What if the other driver doesn’t have insurance and I have to use mine?
In situations where the other driver was at-fault but has no insurance, you may file your claim on your own auto insurance. Your claim will be filed under Uninsured Motorist Coverage and there will be no increase in your premium. For more information on how to file and successfully handle...
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How are rates determined? What is a safe driver incentive plan?
Our legislature enacted the Safe Driver Incentive Plan (SDIP) which determines the costs of your auto coverages. Under this plan, Drivers who accumulate points for moving traffic violations or cause auto accidents are charged higher premiums. The SDIP uses a point system where points are given for certain violations or...
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Does my driving record impact my insurance rate?
Yes. Your driving record or history has the most significant impact on the cost of your auto, truck or motorcycle insurance. In North Carolina, you receive points if you cause auto accidents and/or receive convictions for or plead guilty to moving traffic violations. The last three years of your driving...
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Will my insurance go up if I am in an accident?
Your insurance rate will not automatically increase just because you are in an auto accident. Whether your premium increases as a result of a car accident will depend on who is determined to be at-fault. If you are determined to be totally at-fault or even partially at-fault, your premium will...
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