North Carolina Auto Insurance Quotes

If you've been searching for the best information and insurance quotes for North Carolina auto insurance policies, you've found the right site. You'll find comprehensive information on North Carolina's auto insurance laws. This information will help you to determine what coverage you need in order to remain in compliance with the auto insurance regulations of North Carolina. Once you have determined what your policy needs to include, you can request price quotes from several carriers that are authorized to operate in North Carolina.

North Carolina Liability Insurance Requirements

Like most states, North Carolina requires that motorists maintain liability insurance coverage on all vehicles that are registered in the state.  Minimum amounts of coverage must be maintained in order to cover bodily injuries and property damage caused by a motor vehicle accident.  The minimum amount of coverage required for bodily injuries for one person in one accident is $30,000.  The minimum amount of coverage required for all bodily injuries in one accident is $60,000.  Property damage must be covered by a minimum of $25,000 in liability insurance.  North Carolina also requires that motorists purchase and maintain uninsured motorist coverage on each registered vehicle.

Who is Responsible for Accident Expenses?

North Carolina uses the tort system for determining who is responsible for paying expenses after a motor vehicle accident.  Under the tort system, a driver is found to be at fault for an accident and that driver is then responsible for paying expenses related to the accident.  Drivers who are at fault for accidents may also be sued in civil court.  For example, if bodily injuries to one person in an accident result in $40,000 in medical expenses and the driver at fault only maintains the $30,000 minimum liability coverage, they could be sued for the remaining $10,000 in expenses.

North Carolina Proof of Insurance

Like most states, you must provide proof of insurance for each registered vehicle in North Carolina.  You can provide the DMV with your policy number and the name of your insurance company or hand in a certificate of insurance that is provided by your insurance carrier.  These are considered acceptable forms of proof of insurance.

North Carolina Penalties for Failing to Maintain Coverage

If you do not maintain the required insurance coverage on your vehicle, your license could be suspended for up to 30 days.  Once you have served your suspension, you will need to provide proof of insurance and pay fines and fees that can add up to more than $200.  You can avoid this hassle if you maintain the required auto insurance coverage at all times.