As a new or seasoned car owner, it is essential that you acquire and maintain car insurance with specific state mandated liability limits in NC. What is liability insurance you ask? Well, using the easy to understand explanation, auto liability insurance is that portion of the auto insurance policy that pays for bodily injury or property damage that you might cause to others while operating your vehicle. In other words, it pays the other party up to your policy limits if you’re involved in an automobile accident and found to be at fault.
North Carolina Liability Insurance – Private Passenger Vehicles
To meet the required coverage, you must have at least the following amount of auto insurance protection:
- $30,000 of coverage for injuries or death involving one person in a single accident.$60,000 of coverage for injuries or deaths involving two or more people in a single accident and $25,000 of property damage coverage.
These are just the minimum limits; most financial insurance professionals recommend that drivers carry much more auto insurance protection than the required coverage. Carrying minimum limits auto insurance may not be in your best interest..
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