Suppose a car registered in North Carolina is parked for several hours in a marked, dirt parking space in a Tennessee park. During this time, the vehicle sinks into the soft dirt enough for the tip of a rock to hang the front bumper during reversing the vehicle and cause $75 damage.
The driver calls the insurance provider and the conversation results in an insurance representative recording the event. The company deems this an at-fault assessment since the driver "collided with a stationary object". This results in two additional insurance points, costing the driver $40/mo rate increase. The insurance provider does not pay out since the damage is well below deductible.
- Was the driver at fault?
- Regardless, can the insurance provider add points without payout?
References: North Carolina Drivers Handbook states on page 29: "Insurance Points - Insurance companies use a different point system to determine insurance rates. If you have any questions concerning insurance points, contact your insurance agent."