Car Insurance Agents in North Carolina

Find the Right Agent for Your Car Insurance Needs

North Carolina, like every other state, requires drivers to have auto insurance. This protects not only you but other drivers in the event of an accident, and it covers both injuries and property damage.

The amount of coverage, however, varies by state. North Carolina requires drivers to have the following minimum levels of coverage:

  • $30,000 for one person’s bodily injury
  • $60,000 for causing bodily injury to two or more people
  • $25,000 for property damage

Again, this is the bare minimum; individual policies can provide more coverage. As you might expect, a $30,000 minimum is quickly depleted in the event of a serious accident injury.

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  • In North Carolina, how much car insurance do I need?

    North Carolina Motor Vehicle Law requires that automobile liability coverage be maintained on a continuous basis. The minimum coverage requirements are $30,000 for bodily injury per person, $60,000 for total bodily injury for all people involved in an accident, and $25,000 for property damage.

  • Is full coverage car insurance required in North Carolina?

    You must have at least the following liability coverage to meet the minimum limits: $30,000 in coverage for one person’s injuries or death in a single accident. $60,000 in coverage for two or more people injured or killed in a single accident. Property damage coverage of $25,000 is provided.

  • Is North Carolina a no-fault state when it comes to car accidents?

    North Carolina is a fault-free state. This means that if you are injured and it can be proven that the other party was negligent (e.g., driving too fast, failing to look out for you, etc.), you can sue them for compensation.

  • How is fault determined in a car accident in North Carolina?

    A car accident’s fault is determined by reviewing all available evidence from the crash to try to piece together what happened and identify who may have caused the crash.

    In many car accident cases, injured parties and their attorneys will hire accident reconstruction specialists to review the accident evidence and provide a reasoned opinion on how the accident occurred and who caused the crash.

  • What are the North Carolina car accident laws?

    According to North Carolina car accident law, a driver involved in a collision must contact a law enforcement agency as soon as possible if there is: (1) injury to any person; (2) death to any person; or (3) total property damage of $500 or more.

    Failure to do so constitutes a misdemeanor on part of the driver.

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