{"id":81,"date":"2023-07-27T16:46:48","date_gmt":"2023-07-27T16:46:48","guid":{"rendered":"https:\/\/carsmetrics.com\/?page_id=81"},"modified":"2023-07-27T20:25:18","modified_gmt":"2023-07-27T20:25:18","slug":"insurance-claims","status":"publish","type":"page","link":"https:\/\/carsmetrics.com\/insurance-claims","title":{"rendered":"Insurance Claims"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"81\" class=\"elementor elementor-81\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-26598bfa rey-section-stretched rey-section-bg--classic elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"26598bfa\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4d02c442\" data-id=\"4d02c442\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap--4d02c442 elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b3dd50c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b3dd50c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6794f28\" data-id=\"6794f28\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap--6794f28 elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7254b27 elementor-widget elementor-widget-heading\" data-id=\"7254b27\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 29-01-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Will making an insurance claim affect my insurance rates?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-149402d elementor-widget elementor-widget-text-editor\" data-id=\"149402d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 29-01-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>There are 2 types of claims that can be made: Collision and Comprehensive.<\/p><p>Here are some commonly filed claims that do\u00a0<b>Not<\/b>\u00a0affect insurance premiums per\u00a0<strong>North Carolina state law:<\/strong><\/p><p><strong>Collision-type Claims:<\/strong>\u00a0Vehicle was parked when damaged (even if you didn\u2019t catch the person who hit it), and if someone does a hit-and-run against you.<br \/><strong>Comprehensive-type Claims:<\/strong>\u00a0Items falling off another vehicle and hitting your vehicle,\u00a0Animal collisions, Vandalism, Acts of Nature (pinecone falls and damages vehicle, water, hail, fire), Theft, etc.<\/p><p>For almost everybody (excluding businesses and people with very rare high-risk insurance policies, etc.) the only way an insurance claim can affect your insurance rates for policies written in North Carolina are if\u00a0BOTH\u00a0of these requirements are met.<br \/>\u2022 A collision-type claim (so comprehensive claims automatically don\u2019t affect insurance rates)<br \/>\u2022 that is at least 51% or more your fault<\/p><p>So if any of those requirements are not satisfied, for almost every single situation, your rates will not be affected.<\/p><p>See Department of Insurance website for proof\u00a0<a href=\"https:\/\/files.nc.gov\/doi\/documents\/consumer\/publications\/consumer-guide-to-automobile-insurance_cau1.pdf\">Here.<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a706a6e elementor-align-left elementor-widget elementor-widget-button\" data-id=\"a706a6e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/carsmetrics.com\/contact\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-calculator\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 0H48C22.4 0 0 22.4 0 48v416c0 25.6 22.4 48 48 48h352c25.6 0 48-22.4 48-48V48c0-25.6-22.4-48-48-48zM128 435.2c0 6.4-6.4 12.8-12.8 12.8H76.8c-6.4 0-12.8-6.4-12.8-12.8v-38.4c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v38.4zm0-128c0 6.4-6.4 12.8-12.8 12.8H76.8c-6.4 0-12.8-6.4-12.8-12.8v-38.4c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v38.4zm128 128c0 6.4-6.4 12.8-12.8 12.8h-38.4c-6.4 0-12.8-6.4-12.8-12.8v-38.4c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v38.4zm0-128c0 6.4-6.4 12.8-12.8 12.8h-38.4c-6.4 0-12.8-6.4-12.8-12.8v-38.4c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v38.4zm128 128c0 6.4-6.4 12.8-12.8 12.8h-38.4c-6.4 0-12.8-6.4-12.8-12.8V268.8c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v166.4zm0-256c0 6.4-6.4 12.8-12.8 12.8H76.8c-6.4 0-12.8-6.4-12.8-12.8V76.8C64 70.4 70.4 64 76.8 64h294.4c6.4 0 12.8 6.4 12.8 12.8v102.4z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Get A Free Estimate<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-41f0ddc\" data-id=\"41f0ddc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap--41f0ddc elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6cbffd7 elementor-widget elementor-widget-image\" data-id=\"6cbffd7\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 29-01-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"480\" src=\"https:\/\/carsmetrics.com\/wp-content\/uploads\/2023\/07\/jamie-street-JtP_Dqtz6D8-unsplash.jpg\" class=\"attachment-large size-large wp-image-198\" alt=\"\" srcset=\"https:\/\/carsmetrics.com\/wp-content\/uploads\/2023\/07\/jamie-street-JtP_Dqtz6D8-unsplash.jpg 640w, https:\/\/carsmetrics.com\/wp-content\/uploads\/2023\/07\/jamie-street-JtP_Dqtz6D8-unsplash-300x225.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5cefcb6 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5cefcb6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d4a7a87\" data-id=\"d4a7a87\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap--d4a7a87 elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aa1b258 elementor-widget elementor-widget-image\" data-id=\"aa1b258\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"640\" height=\"427\" src=\"https:\/\/carsmetrics.com\/wp-content\/uploads\/2023\/07\/clark-van-der-beken-CSkriQWeTVs-unsplash-1.jpg\" class=\"attachment-large size-large wp-image-199\" alt=\"\" srcset=\"https:\/\/carsmetrics.com\/wp-content\/uploads\/2023\/07\/clark-van-der-beken-CSkriQWeTVs-unsplash-1.jpg 640w, https:\/\/carsmetrics.com\/wp-content\/uploads\/2023\/07\/clark-van-der-beken-CSkriQWeTVs-unsplash-1-300x200.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d84d801\" data-id=\"d84d801\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap--d84d801 elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7ff30ff elementor-widget elementor-widget-heading\" data-id=\"7ff30ff\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How is a vehicle determined to be a total loss by an insurance company?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5446e3e elementor-widget elementor-widget-text-editor\" data-id=\"5446e3e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The owner of CarsMetrics comes from an insurance background (with the inside info!) so this is an easy question to answer. A vehicle is deemed a total loss if the dollar amount of the repair exceeds the \u201cthreshold\u201d for repairs set by the insurance company. This threshold usually ranges from 75%-100% of the valuation of the vehicle (not the blue-book, although the blue book is usually a decent ballpark for the valuation). The valuation is always completed by a non-biased 3rd party company.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf6f2b2 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"bf6f2b2\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/carsmetrics.com\/contact\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-calculator\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 0H48C22.4 0 0 22.4 0 48v416c0 25.6 22.4 48 48 48h352c25.6 0 48-22.4 48-48V48c0-25.6-22.4-48-48-48zM128 435.2c0 6.4-6.4 12.8-12.8 12.8H76.8c-6.4 0-12.8-6.4-12.8-12.8v-38.4c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v38.4zm0-128c0 6.4-6.4 12.8-12.8 12.8H76.8c-6.4 0-12.8-6.4-12.8-12.8v-38.4c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v38.4zm128 128c0 6.4-6.4 12.8-12.8 12.8h-38.4c-6.4 0-12.8-6.4-12.8-12.8v-38.4c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v38.4zm0-128c0 6.4-6.4 12.8-12.8 12.8h-38.4c-6.4 0-12.8-6.4-12.8-12.8v-38.4c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v38.4zm128 128c0 6.4-6.4 12.8-12.8 12.8h-38.4c-6.4 0-12.8-6.4-12.8-12.8V268.8c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v166.4zm0-256c0 6.4-6.4 12.8-12.8 12.8H76.8c-6.4 0-12.8-6.4-12.8-12.8V76.8C64 70.4 70.4 64 76.8 64h294.4c6.4 0 12.8 6.4 12.8 12.8v102.4z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Get A Free Estimate<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-34f1eaf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"34f1eaf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d1ce49c\" data-id=\"d1ce49c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap--d1ce49c elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0ad7a1d elementor-widget elementor-widget-heading\" data-id=\"0ad7a1d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Will the dollar amount effect my insurance rate?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e516c27 elementor-widget elementor-widget-text-editor\" data-id=\"e516c27\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Per North Carolina state law (NCGS 58-36-65 and 58-36-75) insurance rate increases are as follows:<\/p><p>1 SDIP Point \u2013 30% rate increase \u2013 AT FAULT accident of $2,300 or less in total collision damage -OR- $1,800 or less of bodily injury<br \/>2 SDIP Points \u2013 45% rate increase \u2013 AT FAULT accident of Over $2,300 but less than $3,850 in total collision damage<br \/>3 SDIP Points \u2013 60% rate increase \u2013 AT FAULT accident of OVER $3,850<\/p><p>See Source\u00a0<a href=\"https:\/\/www.ncdoi.gov\/documents\/consumer\/publications\/consumer-guide-automobile-insurance\">Here.<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63f0a51 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"63f0a51\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/carsmetrics.com\/contact\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-calculator\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 0H48C22.4 0 0 22.4 0 48v416c0 25.6 22.4 48 48 48h352c25.6 0 48-22.4 48-48V48c0-25.6-22.4-48-48-48zM128 435.2c0 6.4-6.4 12.8-12.8 12.8H76.8c-6.4 0-12.8-6.4-12.8-12.8v-38.4c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v38.4zm0-128c0 6.4-6.4 12.8-12.8 12.8H76.8c-6.4 0-12.8-6.4-12.8-12.8v-38.4c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v38.4zm128 128c0 6.4-6.4 12.8-12.8 12.8h-38.4c-6.4 0-12.8-6.4-12.8-12.8v-38.4c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v38.4zm0-128c0 6.4-6.4 12.8-12.8 12.8h-38.4c-6.4 0-12.8-6.4-12.8-12.8v-38.4c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v38.4zm128 128c0 6.4-6.4 12.8-12.8 12.8h-38.4c-6.4 0-12.8-6.4-12.8-12.8V268.8c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v166.4zm0-256c0 6.4-6.4 12.8-12.8 12.8H76.8c-6.4 0-12.8-6.4-12.8-12.8V76.8C64 70.4 70.4 64 76.8 64h294.4c6.4 0 12.8 6.4 12.8 12.8v102.4z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Get A Free Estimate<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-64ae45c\" data-id=\"64ae45c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap--64ae45c elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-efc361d elementor-widget elementor-widget-image\" data-id=\"efc361d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"640\" height=\"427\" src=\"https:\/\/carsmetrics.com\/wp-content\/uploads\/2023\/07\/micheile-henderson-SoT4-mZhyhE-unsplash.jpg\" class=\"attachment-large size-large wp-image-200\" alt=\"\" srcset=\"https:\/\/carsmetrics.com\/wp-content\/uploads\/2023\/07\/micheile-henderson-SoT4-mZhyhE-unsplash.jpg 640w, https:\/\/carsmetrics.com\/wp-content\/uploads\/2023\/07\/micheile-henderson-SoT4-mZhyhE-unsplash-300x200.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-044d7b4 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"044d7b4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-88a23e6\" data-id=\"88a23e6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap--88a23e6 elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-debc30a elementor-widget elementor-widget-image\" data-id=\"debc30a\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"427\" src=\"https:\/\/carsmetrics.com\/wp-content\/uploads\/2023\/07\/usman-malik-kE__1vnDxg4-unsplash.jpg\" class=\"attachment-large size-large wp-image-201\" alt=\"\" srcset=\"https:\/\/carsmetrics.com\/wp-content\/uploads\/2023\/07\/usman-malik-kE__1vnDxg4-unsplash.jpg 640w, https:\/\/carsmetrics.com\/wp-content\/uploads\/2023\/07\/usman-malik-kE__1vnDxg4-unsplash-300x200.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3c0db4d\" data-id=\"3c0db4d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap--3c0db4d elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ad73a89 elementor-widget elementor-widget-heading\" data-id=\"ad73a89\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Accident Forgivness<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6265aa elementor-widget elementor-widget-text-editor\" data-id=\"c6265aa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>North Carolina policies have First Accident Forgiveness built into them by law. To have your first accident forgiven from an insurance rate increase the accident must meet\u00a0<strong>ALL<\/strong>\u00a0of these criteria:<br \/>1. A \u201cMinor Accident\u201d \u2013 (At fault + less than $2,300 + No bodily injury\/death)<\/p><p>2. No convicted tickets because of accident<\/p><p>3. No licensed people in household has 1 or more convicted tickets OR 1 or more at-fault accidents in the past 3 years from your most recent policy\/renewal\u00a0<\/p><p>4. Insurance MAY require you to have been covered for six continuous months<\/p><p>See Source\u00a0<a href=\"https:\/\/files.nc.gov\/doi\/documents\/consumer\/publications\/consumer-guide-to-automobile-insurance_cau1.pdf\">Here.<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb81b5a elementor-align-left elementor-widget elementor-widget-button\" data-id=\"bb81b5a\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/carsmetrics.com\/contact\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-calculator\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 0H48C22.4 0 0 22.4 0 48v416c0 25.6 22.4 48 48 48h352c25.6 0 48-22.4 48-48V48c0-25.6-22.4-48-48-48zM128 435.2c0 6.4-6.4 12.8-12.8 12.8H76.8c-6.4 0-12.8-6.4-12.8-12.8v-38.4c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v38.4zm0-128c0 6.4-6.4 12.8-12.8 12.8H76.8c-6.4 0-12.8-6.4-12.8-12.8v-38.4c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v38.4zm128 128c0 6.4-6.4 12.8-12.8 12.8h-38.4c-6.4 0-12.8-6.4-12.8-12.8v-38.4c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v38.4zm0-128c0 6.4-6.4 12.8-12.8 12.8h-38.4c-6.4 0-12.8-6.4-12.8-12.8v-38.4c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v38.4zm128 128c0 6.4-6.4 12.8-12.8 12.8h-38.4c-6.4 0-12.8-6.4-12.8-12.8V268.8c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v166.4zm0-256c0 6.4-6.4 12.8-12.8 12.8H76.8c-6.4 0-12.8-6.4-12.8-12.8V76.8C64 70.4 70.4 64 76.8 64h294.4c6.4 0 12.8 6.4 12.8 12.8v102.4z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Get A Free Estimate<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-db36f5c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"db36f5c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ae10aa1\" data-id=\"ae10aa1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap--ae10aa1 elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-262fe6a elementor-widget elementor-widget-heading\" data-id=\"262fe6a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Do I Have To Use The Shop My Insurance Company Suggests?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9ebb8e elementor-widget elementor-widget-text-editor\" data-id=\"f9ebb8e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>North Carolina General Stature states, \u201c(i) the claimant is under\u00a0no obligation to use the (insurance) recommended repair service, (ii)\u00a0the claimant may use the repair service of the claimant\u2019s choice.\u201d<\/p><p>You have the right to have any body shop you want to do the work on your vehicle (North Carolina General Statute 58-3-180). Insurance companies get a discount when you go to one of their partner shops, and in return they push customers to those shops to save money. Sometimes the insurance companies can really pressure you from what we\u2019ve seen.<\/p><p>Just remember you get to pick where you want your vehicle repaired in North Carolina.<br \/>See Source\u00a0<a href=\"https:\/\/www.ncleg.gov\/EnactedLegislation\/Statutes\/PDF\/BySection\/Chapter_58\/GS_58-3-180.pdf\">Here.<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b83708e elementor-align-left elementor-widget elementor-widget-button\" data-id=\"b83708e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/carsmetrics.com\/contact\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-calculator\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 0H48C22.4 0 0 22.4 0 48v416c0 25.6 22.4 48 48 48h352c25.6 0 48-22.4 48-48V48c0-25.6-22.4-48-48-48zM128 435.2c0 6.4-6.4 12.8-12.8 12.8H76.8c-6.4 0-12.8-6.4-12.8-12.8v-38.4c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v38.4zm0-128c0 6.4-6.4 12.8-12.8 12.8H76.8c-6.4 0-12.8-6.4-12.8-12.8v-38.4c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v38.4zm128 128c0 6.4-6.4 12.8-12.8 12.8h-38.4c-6.4 0-12.8-6.4-12.8-12.8v-38.4c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v38.4zm0-128c0 6.4-6.4 12.8-12.8 12.8h-38.4c-6.4 0-12.8-6.4-12.8-12.8v-38.4c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v38.4zm128 128c0 6.4-6.4 12.8-12.8 12.8h-38.4c-6.4 0-12.8-6.4-12.8-12.8V268.8c0-6.4 6.4-12.8 12.8-12.8h38.4c6.4 0 12.8 6.4 12.8 12.8v166.4zm0-256c0 6.4-6.4 12.8-12.8 12.8H76.8c-6.4 0-12.8-6.4-12.8-12.8V76.8C64 70.4 70.4 64 76.8 64h294.4c6.4 0 12.8 6.4 12.8 12.8v102.4z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Get A Free Estimate<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-79792da\" data-id=\"79792da\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap--79792da elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44a4c90 elementor-widget elementor-widget-image\" data-id=\"44a4c90\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"427\" src=\"https:\/\/carsmetrics.com\/wp-content\/uploads\/2023\/07\/sven-d-a4S6KUuLeoM-unsplash.jpg\" class=\"attachment-large size-large wp-image-202\" alt=\"\" srcset=\"https:\/\/carsmetrics.com\/wp-content\/uploads\/2023\/07\/sven-d-a4S6KUuLeoM-unsplash.jpg 640w, https:\/\/carsmetrics.com\/wp-content\/uploads\/2023\/07\/sven-d-a4S6KUuLeoM-unsplash-300x200.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Will making an insurance claim affect my insurance rates? There are 2 types of claims that can be made: Collision and Comprehensive. Here are some commonly filed claims that do\u00a0Not\u00a0affect insurance premiums per\u00a0North Carolina state law: Collision-type Claims:\u00a0Vehicle was parked when damaged (even if you didn\u2019t catch the person who hit it), and if someone [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.9.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insurance Claims - Cars Metrics<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/carsmetrics.com\/insurance-claims\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurance Claims - Cars Metrics\" \/>\n<meta property=\"og:description\" content=\"Will making an insurance claim affect my insurance rates? There are 2 types of claims that can be made: Collision and Comprehensive. Here are some commonly filed claims that do\u00a0Not\u00a0affect insurance premiums per\u00a0North Carolina state law: Collision-type Claims:\u00a0Vehicle was parked when damaged (even if you didn\u2019t catch the person who hit it), and if someone [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/carsmetrics.com\/insurance-claims\" \/>\n<meta property=\"og:site_name\" content=\"Cars Metrics\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-27T20:25:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/carsmetrics.com\/wp-content\/uploads\/2023\/07\/jamie-street-JtP_Dqtz6D8-unsplash.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/carsmetrics.com\/insurance-claims\",\"url\":\"https:\/\/carsmetrics.com\/insurance-claims\",\"name\":\"Insurance Claims - Cars Metrics\",\"isPartOf\":{\"@id\":\"https:\/\/carsmetrics.com\/#website\"},\"datePublished\":\"2023-07-27T16:46:48+00:00\",\"dateModified\":\"2023-07-27T20:25:18+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/carsmetrics.com\/insurance-claims#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/carsmetrics.com\/insurance-claims\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/carsmetrics.com\/insurance-claims#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/carsmetrics.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance Claims\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/carsmetrics.com\/#website\",\"url\":\"https:\/\/carsmetrics.com\/\",\"name\":\"Cars Metrics\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/carsmetrics.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/carsmetrics.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/carsmetrics.com\/#organization\",\"name\":\"Cars Metrics\",\"url\":\"https:\/\/carsmetrics.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/carsmetrics.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/carsmetrics.com\/wp-content\/uploads\/2023\/07\/logo-1.png\",\"contentUrl\":\"https:\/\/carsmetrics.com\/wp-content\/uploads\/2023\/07\/logo-1.png\",\"width\":150,\"height\":70,\"caption\":\"Cars Metrics\"},\"image\":{\"@id\":\"https:\/\/carsmetrics.com\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Insurance Claims - Cars Metrics","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/carsmetrics.com\/insurance-claims","og_locale":"en_US","og_type":"article","og_title":"Insurance Claims - Cars Metrics","og_description":"Will making an insurance claim affect my insurance rates? There are 2 types of claims that can be made: Collision and Comprehensive. 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