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Is Medical Payments (MedPay) Required in North Carolina for 2026? 🛡️

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Is Medical Payments (MedPay) Required in North Carolina for 2026? The Complete Guide Imagine you’re driving down Highway 21 toward Jonesville, and a sudden distracted driver pulls out from a side street. Your car is totaled, and your neck is throbbing. In that split second, the difference between a $5,000 medical bill and a $0 out-of-pocket expense often comes down to one optional line item on your insurance declaration page. Medical Payments (MedPay) in North Carolina is an optional auto insurance coverage that pays for reasonable and necessary medical and funeral expenses resulting from an auto accident, regardless of who is at fault. While not legally mandated by NC General Statutes, it is widely considered essential by insurance experts to cover immediate costs like health insurance deductibles and co-pays. Is Medical Payments (MedPay) Required in North Carolina for 20...
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OEM vs. Aftermarket: The 2026 NC Auto Insurance Guide 🚗

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What Does OEM Parts Mean in NC Auto Insurance for 2026? OEM (Original Equipment Manufacturer) parts are vehicle components made by your car’s actual manufacturer (like Ford, Toyota, or BMW). In 2026, NC auto insurance typically defaults to "Like Kind and Quality" (aftermarket) parts unless you have a specific OEM Endorsement . With NC's updated 2025 liability limits of 50/100/50, ensuring factory-grade repairs is critical for maintaining vehicle safety tech and resale value. Share Post Email Copy In This Guide: OEM vs. Aftermarket: The 2026 Definition North Carolina Laws & The 2025 Limit Shift Why "Generic" Parts Fail Modern Sensors How to Add OEM Coverage in Elkin, NC Key Takeaways OEM parts are factory-original; Aftermarket parts are third-party copies. Standard NC policies often use aftermarket parts to...
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Is Your Car Stolen? How NC Insurance Works 🛡️

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Does My NC Car Insurance Policy Cover Theft? Everything You Need to Know TL;DR: THE ANSWER Yes, your NC car insurance covers theft ONLY if you have Comprehensive Coverage . Standard NC Liability insurance (the 50/100/50 minimum) does not pay for a stolen vehicle. If you have Comprehensive, your insurer pays the "Actual Cash Value" (ACV) of the car minus your deductible. This includes total theft and stolen parts like catalytic converters. Watch the Video Version Share Post Email Copy In This Guide NC's 2026 Theft Crisis Coverage: The Fine Print Targets: Kias, Hyundais & EVs The 4-Step Claim Timeline ...
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Location: North Carolina, USA
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