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North Carolina Car Insurance (NC)If you are planning to move to North Carolina or just visit, it is a good idea to research the state's car insurance requirements. A successful driver is one who knows his or her rights and responsibilities no matter where he or she goes. As with most states, North Carolina's requirements focus on protecting the driver who is not at fault in an accident. North Carolina Car Insurance RequirementsNorth Carolina’s car insurance requirements include minimum liability coverage and insurance for uninsured or underinsured motorists. The liability requirements fall into two categories: bodily injury and property damage. The minimum bodily injury liability coverage that every North Carolina car insurance policy must provide is $30,000 for an individual and $60,000 for the entire incident. The minimum property damage requirement is $25,000. This liability coverage takes effect in accidents where you are at fault, and is meant to cover the injury-related costs of the other car’s passengers and the damage to the other vehicle. The uninsured/underinsured motorist coverage must be at the same minimums as the liability requirements. This insurance covers you, your passengers and your car if you are in an accident where the other driver is at fault and is either uninsured or does not have sufficient insurance to cover your expenses. Additional North Carolina Coverage OptionsAdditional optional coverage is available for your car insurance. In order to pay for damages to your car if you are at fault in an accident, collision coverage is worth considering. Comprehensive coverage pays for damage to your car from incidents other than traffic accidents: vandalism, storm or flood damage, theft, etc. Both these car insurance components are sold with deductibles. It is generally recommended that you take the highest deductible that you think you can afford, should your car be damaged. High deductibles will lower the premium payments substantially. Medical payments insurance is another category of optional car insurance that many people find to be a good choice. This policy clause provides for payments to cover the injury related costs for you and your passengers, regardless of who is at fault. It is another layer of protection for your potential medical costs; it may or may not be necessary depending on the terms of your uninsured/underinsured motorist coverage. When you are researching car insurance, be sure to inquire about possible discounts. They are often available for a variety of reasons, extending well beyond the "good driver" category. Car insurance is an investment where thorough research pays off. Car Insurance in North Carolina CitiesLearn more about car insurance specifically in Charlotte. * Cars-Insured.net is not a broker, insurance agent, or carrier. The content on the site is for informational purposes only. Products and services described may not be available in all states. |
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