Question

If I claim my injuries after an accident, will that make my rates higher?

I rear ended someone this morning and totaled my car. At least it seems so since the airbags went off. The other driver had very minor damages but we exchanged info and the police came. Afterward, I went to the doctor to get checked out. Should I include that bill in my claim as if I was injured? I'm fine, they gave me pain killers but nothing is broken or even bruised. I just want to know if saying I was hurt would make my insurance rate go up even more than it already will.

Oct 28, 2016 Raleigh, NC

Answer
Neil Richardson

Oct 28, 2016

Since North Carolina does not fall into the No Fault state category, filing an injury claim is less likely to impact your future rates but that's not exactly guaranteed. You can always shop for a new policy down the road if you do see an increase, but since you weren't actually injured you could always discuss the details with your insurance company and they can advise you of your options.

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