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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General Insurance

What does Personal Injury Protection really mean?

Medical payments will pay for your injuries no matter who is at fault in the accident and can pay for the injuries of the other passengers in your car as well. Typically, you will only be paid for the cost of the injuries within the limits of the other person's liability limits.

Coverage & Claims

Do you need to disclose medication when you apply for car insurance

You are only required to disclose medical conditions that may impair your ability to drive safely, such as a seizure disorder or something similar. ​If the DMV and your doctor have approved you to drive then you are not required to disclose your medications, just beware that you do not drive while under the influence of any medication that could impair your ability to drive safely.

Eligibility

I was injured after an accident. How can I get compensation for this?

Compensation is normally paid by the insurance company of the at-fault driver if you have to go to the doctor/hospital or if you have to miss work. You'll need to contact their insurer to begin the process unless you don't plan on getting medical attention for your injuries.

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?

Coverage & Claims
Eligibility

How do I get insurance with a medical claim on my driving record?

It can be tough to find insurance coverage in New York state after you have been injured in an accident, even if it wasn't your fault. Your best bet is to compare rates with as many companies as possible to find a company willing to insure you.
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