Call our Durham team for effective representation in your personal injury case at (919) 887-7892. We speak English and Spanish.
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.
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.
What does Medical Payments coverage pay for in North Carolina?
Medical Payments coverage (MedPay) in North Carolina covers necessary and reasonable medical and funeral expenses related to your car accident.
Who or what is covered by Medical Payments coverage in North Carolina?
Medical Payments provides coverage for you and your family as well as all passengers in your covered vehicle. Medical Payments coverage generally covers those reasonable medical expenses related to your accident regardless of who is determined to be at fault for the accident. MedPay may also provide coverage to you or your family members if you are injured in another car or as a pedestrian.
Is Medical Payments coverage required in North Carolina?
No. Medical Payment coverage is not required by North Carolina law.
What does uninsured/underinsured motorist coverage pay for in North Carolina?
Who or what is covered by uninsured/underinsured motorist coverage in North Carolina?
Uninsured/underinsured motorist insurance provides coverage for you, your family, or anyone occupying your covered vehicle.
Is uninsured/underinsured motorist coverage required in North Carolina?
Yes. Car insurance policies carrying minimum limits of bodily injury and property damage coverage are required to include uninsured motorist coverage. Other insurance policies with more than minimum limits must provide combined uninsured/underinsured motorist coverage.
“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!”- Mary P.
“Richard Dingus is a great attorney! And I think thee best, serving in the state of North Carolina. I would recommend him for injury and bodily claim any day.”- Isaac B.
“They were concerned not only about getting our vehicle replaced, but more importantly my kid’s full recovery.”- Coral M.