What is a Prayer for Judgment (PJC) in NC?

A PJC is a special NC legal tool where the judge finds you guilty but withholds formal punishment. You can use one PJC per household every 3 years to prevent insurance surcharge points from a traffic ticket. It does not remove DMV points.

Does my policy cover a rental car while mine is being repaired?

Only if you have Rental Reimbursement coverage on your policy. This optional add-on typically costs $3-5/month. If the other driver is at fault, their liability insurance should cover your rental costs.

What is a diminished value claim?

After your car is repaired from an accident, it is worth less than an identical undamaged car. In NC, if the other driver was at fault, you can file a diminished value claim against their insurance to recover this lost value.

How do I file a home insurance claim after storm damage?

Document everything with photos and video before making repairs. Make temporary repairs to prevent further damage and save receipts. Call your carrier's 24/7 claims line. An adjuster will be assigned within 2-3 business days.

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Common Questions

File a claim with your own insurance under Uninsured Motorist (UM) coverage. In NC, this is typically required unless rejected in writing.

Generally, no. First offers are often low. Get multiple repair estimates and document all medical expenses before signing anything.

At-fault accidents typically raise rates significantly. Not-at-fault and comprehensive claims usually have little to no impact, but it depends on your carrier.

A PJC is a special NC legal tool where the judge finds you guilty but withholds formal punishment. For insurance, you can use one PJC per household every 3 years to prevent insurance points from a traffic ticket. It does NOT remove DMV points — only insurance surcharge points.

NC has a 3-year statute of limitations for personal injury and property damage claims. However, you should report claims to your insurance company as soon as possible — most policies require "prompt" notification, and delays can result in claim denial.

Only if you have Rental Reimbursement coverage on your policy. This is an optional add-on that typically costs $3-5/month and covers $30-50/day for a rental. If the other driver is at fault, their liability insurance should cover your rental costs.

After your car is repaired from an accident, it's worth less than an identical car that was never damaged. In NC, if the other driver was at fault, you can file a diminished value claim against their insurance to recover this lost value. NC is one of the better states for these claims.

Document everything with photos/video before making repairs. Make temporary repairs to prevent further damage (save receipts). Call your carrier's 24/7 claims line or file online. An adjuster will be assigned within 2-3 business days. Do not sign any contractor agreements until the adjuster has inspected the damage.

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Typical NC Claims Timeline

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Estimated Rate Increase

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Repair vs. Total

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Claims Contacts

Progressive

Travelers

Nationwide

National General

Allstate

State Farm

Erie Insurance

GEICO

Liberty Mutual

The Hartford

Foremost

Dairyland

American Modern

Chubb

Universal Property

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Farmers

Alamance Farmers

NC Grange Mutual

Critical Advice

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Emergency

Common Questions

Menu

File. Track. Resolve.

Typical NC Claims Timeline

Report

Adjuster

Settlement

Payment

Traffic Ticket?

Estimated Rate Increase

Deductible Checker

Repair vs. Total

What's My Car Worth?

Claims Contacts

Progressive

Travelers

Nationwide

National General

Allstate

State Farm

Erie Insurance

GEICO

Liberty Mutual

The Hartford

Foremost

Dairyland

American Modern

Chubb

Universal Property

USAA

Farmers

Alamance Farmers

NC Grange Mutual

Critical Advice

Avoid These

Emergency

Common Questions

File. Track.
Resolve.