Car Insurance Coverage In North Carolina
In North Carolina, everyone with a registered vehicle must carry Liability Insurance. The liability insurance must be at least $30,000 per person and $60,000 per accident. It must also have a minimum amount of $25,000 for property damage. What this means is that if you cause an accident your insurance coverage will pay for the medical bills, vehicle damage, and other losses suffered by drivers and passengers injured in the accident. If you get injured, the basic coverage of the at-fault driver will pay for your losses.
Underinsured And Uninsured Motorist Coverage
North Carolina is a “fault” state which means that a person responsible or at-fault for an accident has to compensate the people injured in that accident. In most cases, it is the insurance company of the at-fault party that compensates the victims of the accident. Not all drivers carry insurance and not all drivers that carry insurance have enough coverage. To get extra protection, drivers can purchase underinsured or uninsured motorist coverage. These types of coverage protect you in a situation where you are injured in an accident but the at-fault driver does not have insurance or is underinsured. Your relatives living in your home are also protected by this insurance. Your underinsured and uninsured coverage may apply if:
- The at-fault driver did not have auto insurance
- You were injured as a skateboarder, pedestrian, bicyclist by a vehicle
- You were injured in a hit and run accident
- The at-fault driver has liability insurance coverage that has limits that are lower than your UIM (underinsured) coverage
- You were injured as a passenger in motor vehicle such as a car, snow mobile, ATV and so on
An experienced auto accident lawyer may help you obtain adequate compensation for those injuries because they did not have uninsured and underinsured motorist coverage.
Consequences For Driving With No Insurance
The most obvious consequence of driving with no insurance is that if you cause an accident and someone dies or gets injured, you may have to pay damages out of pocket. Some people do not carry insurance because they think they are careful drivers and will never get involved in an accident. The truth is that even the most careful drivers get involved in serious accidents. Penalties for driving without insurance in North Carolina include fines and fees, 45 days probation and suspension of registration for about 30 days.
Steps To Take After An Accident
The insurance company of the at-fault party is not interested in paying you the amount you deserve. But the evidence you gather immediately after an accident can make it harder for them to do that. After tending to your injuries make sure you call the police. The police will interrogate all the parties involved in the accident including witnesses. You can take pictures of the accident scene and pictures of the injuries you have suffered. Write down the names and addresses of the witnesses, and the driver of the other vehicle. Call your lawyer before you speak to the insurance adjuster of the at-fault driver. Your lawyer can also carry out more investigations to prove that the other party was at-fault.