If only the Med Pay part is used, does this adversely affect the homeowner, their Claim History?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jan 15, 2013

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Insurance Question from Newport Beach, CA

Asked on 01/15/2013

If only the Med Pay part is used, does this adversely affect the homeowner, their Claim History? If there is no negligence on the part of the homeowner, but an friend is injured in their home, is there any reason not to let them use the Med Pay portion of the owner's policy. Is it considered a claim, as with the liability portion, and treated as such in the owner's claim history?

Answer given on January 29, 2013

Each insurance company sets their own rules regarding claims and their claims free discounts. Some companies do not make a surcharge or give a credit for losses. However, most of them now do. Usually if you experience a catastrophic loss, such as a wildfire, hurricane or tornado damage, they will not remove your claim free discount.Some insurance companies increase your discount as time goes on. If you experience a loss and it is the first in seven years, they will not remove the discount. Others remove it proportionately based on the number of years since the last loss.Even a medical payment loss could affect your rates. However, if you were not negligent, you may not be required to pay for an injury. Talk to your insurance agent or company to see if a reported medical payment claim will affect your rates. Since it does not involve your negligence, the claim may not affect your rates.


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