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North Carolina's Auto Insurance Basics

North Carolina requires all vehicle owners to show sufficient proof of liability auto insurance before receiving license plates for their vehicles. Wood Insurance Consultants LLC of North Carolina provides you with reliable car insurance to ensure that you are fully protected financially in the event of an auto accident. Here are the details you need to know about auto insurance requirements in North Carolina.

Is North Carolina a "Fault" car accident state?

Yes, it is a "fault" state regarding financial responsibility for damages, injuries, and other losses resulting from a car accident. In other words, if you are involved in a car accident, and it is determined that you're at fault, you will be held responsible for compensating anyone who suffered losses or got injured in the car accident. But, in practicality, it is the driver's insurance carrier who is responsible for paying for the damages up to the auto insurance policy limits.

What does auto insurance cover?

The law requires that every driver should carry minimum amounts of liability auto insurance coverage. The basic car insurance coverage pays for damages, medical bills, and other costs for drivers, passengers, and pedestrians stemming from the car accident. It is advisable to carry more coverage to protect yourself financially in case the crash causes significant vehicular damage and injuries. Remember, you will be held financially responsible for paying out-of-pocket expenses in case the auto insurance limits are exhausted. So, a higher car insurance limit will come in handy in protecting your assets in the event of a severe crash.

Your liability coverage option helps you when one of your family members or someone else is driving the vehicle at the time of the accident. It is also likely to kick in if you were driving a rental car when the crash occurred. You need Personal Injury Protection (PIP) or MedPay coverage to cover for your medical costs. Collision coverage will pay your vehicle's repairs or replacement if your vehicle is damaged in a car accident.

It is also a requirement to have uninsured motorist coverage for bodily injury and uninsured property damage coverages in your auto insurance policy. Depending on how much coverage you carry, you may or may not be required to have underinsured motorist coverage.

Protect yourself financially by purchasing an auto insurance policy from Wood Insurance Consultants LLC. Our friendly auto insurance specialists will guide you in choosing the right coverage options for your needs. Contact us today to discuss your auto insurance policy and to get a quote.

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