In the event that you are injured in an accident, coverage provided though you insurance policies can help pay your medical costs and other related expenses. Purchasing an adequate amount of insurance coverage helps ensure that, should a car accident occur, you are fully protected. Failing to do so may leave you responsible for paying damages related to the accident out of pocket.
North Carolina has set a minimum amount of automobile insurance coverage that motorists must maintain in order to operate a vehicle on public roadways. Sometimes this “minimum coverage” is not enough to pay for all of the expenses incurred following a car accident. Although illegal, many accidents involve drivers that carry no liability insurance at all.
It is essential that you protect yourself against the possibility of an accident with any kind of driver. Review your policy to see what your insurer provides for both collisions with insured and uninsured at-fault drivers.
Auto Insurance in North Carolina
In accordance with North Carolina’s Motor Vehicle Safety and Financial Responsibility Act of 1953, drivers are required to carry specific types of automobile insurance with set minimum dollar limits. Additional coverage, although not required, may be purchased for added protection.
- •Liability (required) – Your family, yourself, and anyone that was driving your car with permission is covered in case of bodily injury or property damage.
- • Collision – Damages to a car you own or do not own are covered.
- • Comprehensive – Damages to your car that are not from a car accident, such as theft, fire, weather, falling debris or a cracked windshield.
- • Medical Payments Coverage – You, your family and anyone that was in your vehicle during an accident can be covered for reasonable and necessary medical treatment or funeral costs.
- • Under-insured Motorist Coverage (typically required) – You, your family and anyone riding in your vehicle may be covered if the other driver’s insurance fails to compensate for damages.
- • Under-insured Motorist Coverage (typically required) – You, your family, or anyone riding in your vehicle may be covered if the other driver does not have enough insurance coverage.
Failing to identify available sources of insurance coverage can leave you financially damaged. It is essential that you are proactive in case of an accident. The Durham car accident attorneys at Wallace Pierce will review your insurance policy to locate additional sources of coverage that may pay your accident-related expenses. Our legal staff is professional, knowledgeable and ready to help you. Contact our office for a free consultation today.