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Types of Insurance Coverage

Types of Insurance Coverage in Durham

Answers to Your Frequently Asked Questions

Our caring Durham attorneys at Wallace Pierce Law have devoted themselves to pursuing compensation for injured clients for well over a decade. When at-fault parties and their insurance providers attempt to evade liability for their actions, we can stand by your side and be a voice for you and your rights. We also strive to inform our clients on the basics of liability insurance so they understand their rights and know what their insurance covers.

If you’ve been injured due to negligence, call our team today at (919) 887-7892, or contact us online. You deserve to have your rights to compensation protected by our team.

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 are $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 collision insurance 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.

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    “When my 4-year old son and I were involved in a terrible head-on collision, I wasn't sure where to turn. Wallace Pierce has been great showing me the way!”
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    “Richard Dingus is a great attorney!”
    “Richard Dingus is a great attorney! And I think the best, serving in the state of North Carolina. I would recommend him for injury and bodily claim any day.”
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    “Thank you again for all you did for my family”
    “They were concerned not only about getting our vehicle replaced, but more importantly my kid’s full recovery.”
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    “I retained this law firm to fight my case. I was completely shocked at the amount I received once the case was won.”
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    “Mr. Pierce gave me practical advice and was very thorough in guiding me through the process. I left with a strong and positive impression of him.”
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    “Very knowledgeable”
    “Was able to either point me in the right direction or answer any questions I had regarding the accident I was in. Thank you!”
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    “I could not recommend anyone any higher than I recommend Wallace Pierce Law, they get the job done and they do it quicker and better and keep you informed along the way.”
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Our top priority is to devise customized legal strategies that are tailored to the unique legal needs of our clients, no matter how simple or complicated their situations, might be.

  • $1,900,000 Wrongful Death

    The at-fault driver failed to reduce speed and collided with our client's vehicle. Our client passed away shortly after the collision.

  • $900,000 Wrongful Death

    Our client was thrown from his motorcycle and was pronounced deceased on the scene.

  • $122,000 Car Accident

    Vehicle made a left-hand turn, failing to yield the right of way.

  • $104,000 Serious Injuries

    Client was a passenger in a vehicle that was driving through an intersection when another vehicle ran a stop sign and t-boned the vehicle our client was in.

  • $104,000 Severe Injury

    We were able to not only receive policy limits for our client but were able to negotiate her medical bills and liens to ensure that she was able to keep a good portion of the settlement.

  • $102,000 Serious Injuries

    Elderly client was a passenger in a vehicle that was t-boned in an intersection where a driver failed to yield the right of way.