Types of Insurance Coverage



Liability Insurance in North Carolina

What does liability insurance pay for in North Carolina?

Liability insurance in North Carolina covers bodily injury and property damage for which a covered driver becomes legally liable.

Who or what is covered by liability insurance in North Carolina?

Liability insurance in North Carolina provides coverage to you and your family or anyone driving your covered vehicle with your permission.

Is liability insurance required in North Carolina?

Yes. According to North Carolina state law, every insurance policy shall provide liability insurance for the statutory minimum limits or more. In North Carolina, the minimum limits of a liability insurance policy is $30,000 per individual and $60,000 per accident.

Collision Insurance in North Carolina

What does collision insurance pay for in North Carolina?

Collision insurance in North Carolina covers damage to your covered vehicle. For example, if your vehicle is damaged or completely destroyed in a collision, collision insurance will typically cover the costs associated with repairing or replacing the vehicle.

Who or what is covered by collisioniInsurance in North Carolina?

Collision insurance covers accidents such as accidentally hitting another car or hitting a stationary object, such as a telephone pole or wall. Collision insurance may be able to provide coverage if someone else collides with your vehicle while it is parked.

Is collision insurance required in North Carolina?

Collision insurance is not required by law in North Carolina. However, collision insurance is often required by banks and financial institutions that assist individuals in financing the purchase of a new vehicle.

Comprehensive Insurance in North Carolina

What does comprehensive insurance pay for in North Carolina?

Comprehensive insurance covers damage to your covered vehicle as a result of falling objects, fire, theft, larceny, explosion, earthquakes, hail, water, flood, civil unrest, or contact with birds or animals.

Who or what is covered by comprehensive insurance in North Carolina?

Comprehensive insurance provides coverage for your covered vehicle or non-owned vehicle.

Is comprehensive insurance required in North Carolina?

Comprehensive insurance is not required by law in North Carolina. However, comprehensive insurance is often required by banks and financial institutions that assist individuals in financing the purchase of a new vehicle.

Medical Payments Coverage in North Carolina

What does Medical Payments coverage pay for in North Carolina?

Medical Payments coverage (MedPay) in North Carolina covers necessary and reasonable medical and funeral expenses related to your car accident.

Who or what is covered by Medical Payments coverage in North Carolina?

Medical Payments provides coverage for you and your family as well as all passengers in your covered vehicle. Medical Payments coverage generally covers those reasonable medical expenses related to your accident regardless of who is determined to be at fault for the accident. MedPay may also provide coverage to you or your family members if you are injured in another car or as a pedestrian.

Is Medical Payments coverage required in North Carolina?

No. Medical Payment coverage is not required by North Carolina law.

Uninsured/Underinsured Motorist Insurance in North Carolina

What does uninsured/underinsured motorist coverage pay for in North Carolina?

Uninsured motorist insurance provides coverage for bodily injury and property damage. Underinsured motorist insurance covers bodily injury and property damage.

Who or what is covered by uninsured/underinsured motorist coverage in North Carolina?

Uninsured/underinsured motorist insurance provides coverage for you, your family or anyone occupying your covered vehicle.

Is uninsured/underinsured motorist coverage required in North Carolina?

Yes. Car insurance policies carrying minimum limits of bodily injury and property damage coverage are required to include uninsured motorist coverage. Other insurance policies with more than minimum limits must provide combined uninsured/underinsured motorist coverage.



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