Auto Insurance in North Carolina
Car Insurance Requirements for North Carolina
The state requires that all drivers have liability insurance in order to pay for damages and injuries that occur as a result of a car accident that you cause. In order to comply with the law, you must have a minimum of $60,000 of insurance for total bodily injury liability and $25,000 for property damage. The state also requires you to have uninsured motorist coverage, which will cover any injuries caused by an accident with an uninsured driver. The same minimum applies to uninsured motorist coverage as your bodily injury liability. Since these minimums only protect other drivers, you can also choose to purchase additional insurance from an agent at Griffin Insurance Agency.
Collision coverage will pay for collision-related damages that occur when you get into an accident with another moving vehicle. Comprehensive coverage will pay for damages for non-collision incidents, such as theft. You could be required to purchase these two coverage options if you are leasing your car or financing it. There is also coverage for rental cars and towing and labor.
What You Should Know about Car Insurance in North Carolina
Since the state requires you to have liability insurance, state laws won’t allow car insurance companies to refuse liability coverage to any driver, but high-risk drivers usually have to pay higher premiums. An insurance company can elect to insure you with the North Carolina Reinsurance Faculty, which offers a way to share the risk associated with high-risk drivers. Drivers will pay more and also have maximum coverage amounts. Some of these maximums include $60,000 total for bodily injury, $2,000 for medical payments, and $25,000 for property damage. While there are discounts available in the state for drivers, the best way to ensure lower costs is to obey traffic laws and drive safely. Bad driving is penalized with points and cause higher premiums for your insurance.
Contact Griffin Insurance Agency to get a quote on auto insurance or try our online rating tool. Our agents are waiting to help you get started.