MONDAY, MARCH 27, 2023
Many states require drivers to purchase minimum amounts of auto liability insurance. In some states, you must also buy coverage for accident-related injuries and uninsured motorist coverage.
North Carolina’s minimum auto insurance requirements are subject to change.
Does North Carolina Require Auto Liability Insurance?
North Carolina has minimum auto insurance coverage rules. Every vehicle registered in the state must have minimum amounts of auto liability insurance coverage. There are two types of auto liability insurance, including the following:
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Property damage liability insurance may help cover third-party property damage claims from an at-fault auto accident.
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Bodily injury liability insurance may help cover third-party accident-related injuries from an at-fault auto accident.
Auto liability policies may help cover your legal liability for someone else’s property damage and bodily injuries, but only up to the policy’s limits. North Carolina’s liability limit requirements are low, so your agent may recommend that you purchase additional coverage to provide appropriate financial protection.
Does North Carolina Require Uninsured Motorist Coverage?
North Carolina requires drivers to purchase uninsured and underinsured motorist coverage. This policy may help pay accident-related medical costs for you and your passengers up to the policy’s limits. It may also help pay to repair or replace your vehicle if the at-fault driver is uninsured or lacks appropriate liability coverage. Your agent can help you choose appropriate policy limits for your uninsured/underinsured motorist policy. 
Does North Carolina Require Coverage for Your Accident-Related Injuries?
North Carolina does not require drivers to purchase medical payments (MedPay) coverage. However, many drivers choose this coverage. MedPay may help cover accident-related medical bills for the policyholder, named drivers and passengers after a car accident, regardless of who is at fault. MedPay may help pay the following:
Like other types of auto insurance, MedPay has limits. Your agent can help you get the best value and coverage with your MedPay policy.
How to Get Auto Insurance In North Carolina
In addition to auto liability and uninsured/underinsured motorist coverage, you may add numerous optional policies and endorsements to help protect your vehicle. The agents at Inspro Professionals of NC in Cary, North Carolina, can help you build an auto insurance plan to help you remain in compliance with state laws that also provides adequate financial protection.
Contact us today to start building your auto insurance plan and get personalized quotes from reputable insurance companies.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.
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