Uninsured drivers create a multitude of problems not only for themselves, but especially for the insured drivers on the road, particularly those who carry only the minimal legal requirements for automobile insurance in North Carolina.
North Carolina Insurance Minimums
North Carolina requires that the owner of a motor vehicle maintain a certain amount of liability insurance to operate the vehicle in the state, and North Carolina’s minimum car insurance requirements are:
- $30,000 for the injury or death of a single person.
- $60,000 total for all damages arising from a single accident.
- $25,000 for any property damage caused by an accident.
North Carolina also requires that every car insurance policy sold in the state include uninsured motorist coverage in an amount at least equal to the highest bodily injury liability coverage on the policy.The lowest amount of uninsured motorist coverage available in North Carolina is generally 30/60, meaning coverage of $30,000 per person/$60,000 per accident.
What Does Uninsured Motorist Insurance Cover?
Uninsured motorist coverage protects drivers in a situation when they’re involved in an accident with an at-fault driver who has no insurance and will pay for a driver’s injuries, as well as those of any passengers in the car at the time of the accident. Uninsured motorist coverage also pays for the injury claims of a victim of a hit & run driver. Uninsured coverage will also pay for injuries to you or any relative living in your household, even if your automobile was not involved in the accident.
Hit by an Uninsured Driver? Contact a Car Accident Lawyer in North Carolina Today
Were you hit by an uninsured driver and are unsure about how to proceed? Contact the Winston-Salem car accident attorneys at Nagle & Associates, P.A. online or call (800) 411-1583 to schedule your free initial consultation today.