Legal Question in Personal Injury in North Carolina

Med Pay is coverage in addition to normal coverage and can be claimed regardless of fault. A claim likely will not affect insurance rates anymore than her being in an accident regardless of fault will but you should check with your insurance company. Likely the only reason the chiropractor wants a med pay claim is because it likely gets them paid sooner. If you can verify with the insurance company that making a claim for med pay will not raise the insurance rate then there is likely no harm in doing so.