Coverage & Claims

Will my insurance company cover my vehicle if my cousin was driving my car?

Insurance follows the vehicle, so if you have collision coverage on your vehicle then your insurance company should cover the damage. You will need to contact them to confirm and begin the claims process.

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Coverage & Claims

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

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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