Like all states, North Carolina requires drivers to prove they have a sufficient amount of liability car insurance before issuing the plates. However, the minimum isn't always enough, and the financial consequences of an accident can be extensive. By learning more about your available coverage options, you'll have peace of mind whenever you're on the road. 

What Is a "Fault" State?

North Carolina is a "fault" state, which holds at-fault drivers financially responsible. An injured party can file a claim with the involved insurance companies for injuries and property damage. Some may instead seek damages through a personal injury lawsuit. 

The at-fault driver's insurance would compensate those harmed by the incident up to the policy's limit. The driver would have to pay the remaining figure out-of-pocket. However, higher policy limits can be purchased to decrease the financial losses following an accident. 

What's the Legal Minimum for Liability Car Insurance in North Carolina?

The driver's liability insurance will cover the treatment, lost wages, property damage, and pain and suffering for those they injured. If the at-fault driver is injured or incurs damage to their vehicle, the liability insurance doesn't cover it. Additional coverage is available to protect the drivers themselves.

At the legal minimum, car insurance providers offer a 30/60/25 policy. It will pay $30,000 for a single individual's injuries. If more than one person was injured, the limit is $60,000. Damaged property has a $25,000 cap. The coverage extends to family members driving the car and others who have permission to use it. For optimal coverage, insurers suggest a minimum policy of 50/100/50. 

What Are Optional Insurance Additions?

Comprehensive Coverage

Comprehensive insurance covers non-collision damage that's done to your vehicle. However, if damage occurs to the car due to an animal, the policy will cover it.

Collision Coverage

Collision car insurance covers the damage to your vehicle if a moving or fixed object strikes it. 

Gap Coverage

New cars rapidly depreciate in value. If it's damaged, a gap policy covers the difference between the vehicle's actual cash value and the amount owed from the loan or the lease. 

Medical Payments

Med pay coverage provides money for your medical bills if you are injured in a car accident. The coverage also extends to any passengers in your vehicle. 

When purchasing a new car, reach out to North Carolina Farm Bureau Insurance® Group. Drivers in Charlotte and Mecklenburg County have relied on their customizable plans for over 70 years. Their knowledgeable agents are dedicated to customer safety and satisfaction. Both new and established drivers will benefit from their affordable coverage rates. For more information on their car insurance policies, visit their website. To schedule an appointment, call them at (704) 841-8700.