North Carolina Car Insurance

North Carolina has some of the largest minimum auto insurance requirements in the United States. By law, North Carolina drivers are required to carry a minimum of $30,000 of liability coverage per person, $60,000 per accident for bodily injury damages and $25,000 minimum coverage for liability for property damage. This amount of coverage may be more simply stated on an auto insurance policy as 30/60/25.

It is very important that North Carolina drivers do not allow their auto insurance policies to lapse. Each day, thousands of North Carolina drivers are involved in car accidents. Drivers without insurance in North Carolina may be forced to comply with state financial responsibility laws and purchase expensive SR–22 Insurance. They can also be held personally responsible for all damages caused in an accident. Driving without car insurance in North Carolina is fiscally irresponsible and can lead to financial ruin.

PIP Coverage

In North Carolina, drivers are not required to purchase Personal Injury Protection ("PIP") coverage, but it is a very important form of coverage. It pays for medical bills, lost wages, household services, and funeral expenses following an accident regardless of fault. PIP is the primary form of medical coverage following a car accident. If medical bills exceed the PIP coverage limits, the insured can bill their health insurer.

UIM Coverage

Another important optional form of coverage is Uninsured/Underinsured Motorist ("UIM") insurance coverage. A driver with UIM coverage is insured up the amount of the UIM limits in the event the driver at fault for the accident does not have insurance or does not have enough insurance to pay for the damages sustained in an accident.

For example, if a driver in an accident had 30/60/25 UIM coverage, they would be able make a UIM claim with their auto insurance company and be able to receive up to $30,000 for bodily injury damages and $25,000 for property damage, in the event that at fault driver was uninsured or did not have enough insurance. These types of coverage can make a big difference in the event you are in an accident.

Collision and Comprehensive Coverage

Other important insurance coverage types include Collision and Comprehensive coverage. Collision pays for vehicle repairs or vehicle replacement value for a collision regardless of fault. Comprehensive coverage pays for all vehicle repair damage or replacement value for incidents other than a collision such as the car striking an animal or being stolen. There are minimum deductible limits for these coverage types such as $500, but North Carolina drivers can also raise their deductible amounts to lower their premiums. Collision and comprehensive

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