To make sure that the injured party in any accident will be taken care of North Carolina has minimum car insurance requirements. Every registered vehicle owner must maintain liability insurance. They must have at least 30/60/25, which means they your car has to have $30,000 in bodily injury coverage for the medical or funeral expenses of each person impacted by the accident. It must pay to a maximum of $60,000 for all people in the same accident.
The person does not necessarily have to be directly hit by your vehicle, or even be in a car for that matter. For example, if you swerve to miss an animal in the road go up on the sidewalk and hit a telephone pole which subsequently falls and hits a home where the family of 5 is just sitting down for dinner, your insurance will have to pay for everyone’s injuries or God forbid, funeral expenses $30,000 per person to a maximum of $60,000 for all 5 people. Even though your car did not directly hit them, you are liable because it was your car that started the chain of events.
Your liability insurance must also cover up to $25,000 to repair or replace the damage that was caused to another vehicle or object. In this same scenario, your insurance would pay to not only repair the home that was damage, but would have to pay for the telephone pole to be replaced, that would include the labor and materials, involved to fix the damage.
As you can see, in a very simple situation like this the minimum would probably not even come close to paying for all the damage caused by your swerving to miss an animal in the road. Anything that is over and above the limits you have purchased on your policy will have to be paid for by yours truly. This could easily eat every dime of savings you have, this is if there are no complications like the family who had their house crushed suing you for damages.
North Carolina, like most other states wants to make sure that anyone inadvertently involved in an accident, (that would be the person or persons not at fault), are taken care of. A little extra coverage on your insurance policy can help you do just that.
Sandwiched between Virginia and South Carolina, North Carolina has scenic beauty found rarely elsewhere. The Appalachian mountain range sits on its Western boundary, and it ends to the East at the North Atlantic Ocean. Such a wondrous expanse of scenery makes it hard to remember that there are very real issues to deal with when driving in this state. Just make sure to have your vehicle insured in North Carolina as penalties for not having it can be extremely burdensome. Compare quotes online and get cheap car insurance in North Carolina and you just may save couple of hundred dollars.