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Coverage & Claims

Should I pay for damage out of pocket or file a claim with my insurance company?

A car accident can have a fairly significant impact on your rates so if they damage is not extensive, as you say, you might want to consider paying for the damage out of pocket. Ultimately, that decision is up to you, but our State of Insurance Report (page 58) shows that at fault accidents in North Carolina will cause an average rate increase of $426 per year to your policy.

Coverage & Claims

Which driver's insurance pays after a hit-and-run?

If the other driver fled the scene then the only real option would be to report it to the company that insures the vehicle. If the other driver is found later then your company will work it out with the other driver's company and you will likely get back any deductible you may have had to pay.

Coverage & Claims

How long does the person I was in an accident with have to file a claim?

Unfortunately there isn't a specified time frame for that other driver to file a claim. Your insurance company is there to protect you from fraud, among other things.
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