Coverage & Claims

My car knocked me down and I broke my hip. Do I need to file a claim?

I'm sorry to hear about your accident. North Carolina is not a no-fault state so you don't need to file a claim, and you can use your health insurance instead for your hip.

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Coverage & Claims

Will using Med Pay increase my insurance premiums

As a general rule, any claim that is filed with your auto insurance company can increase your rates, even if it's just medical payments. If you are interested in finding out more about Med Pay, have a look at our article for more information.

Coverage & Claims

Can I file a claim with the "At fault" insurance company and have the repair check made out in my name if the car isn't registered to me?

You would file the claim since you were driving at the time of the accident. Unless the vehicle is totaled, however, there won't be any payout from the insurance company to anyone other than the repair shop.

Coverage & Claims

In Connecticut, which line item or part of my insurance covers my passengers if I am at fault?

Although Connecticut is no longer a No-Fault state, drivers still have the option to purchase medical payments coverage to pay for injuries they or their passengers suffer in an accident. This coverage would apply on a per person basis regardless of fault in the accident.

Coverage & Claims

If I am at fault in an accident, what is to keep my passengers from suing me for their injuries?

It's important to keep in mind that medical payments coverage pays for your injuries as well. In addition, what if your passengers are your children or family members?

General Insurance

Do I have to file a claim if I was not at fault in an accident?

You still will have to file a claim; it doesn't automatically happen. If the other driver is accepting fault then you can contact their insurance provider to begin the claims process.

Coverage & Claims

Can I file a claim for bodily injury with my insurance even though the person that hit me had insurance and they settled out of court?

Since Florida is a "No Fault" state, your personal injury protection (PIP) coverage should pay primary for any injuries you suffer in an accident, regardless of fault. Because you settled out of court already for your medical bills, you may not be able to get any additional compensation from your company since PIP covers medical and work loss, not pain and suffering.

Coverage & Claims
General Insurance

Does car insurance cover my passengers?

In the state of Maryland, drivers are required to carry at least $2,500 in PIP coverage, as well as $30,000 per person and $60,000 per accident worth of uninsured motorist coverage in addition to liability. So, if you were hit by another driver and someone in your vehicle suffered injury, the other driver's liability coverage would pay for the injuries suffered inside your vehicle. If the other driver happens to be driving without car insurance, you and your passengers would still be covered by your policy because of the state required uninsured motorist coverage.
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