Uninsured/Underinsured (UM/UIM) Coverage: Required in NC?

Fortunately or unfortunately, depending on your point of view, the answer is yes.

North Carolina GS 20-279 states that all liability policies issued within the state of North Carolina must provide coverage “for the protection of persons insured thereunder who are legally entitled to recover damages from owners or operators of uninsured motor vehicles and hit-and-run motor vehicles because of bodily injury, sickness or disease, including death, resulting therefrom, with limits equal to the highest limits of bodily injury liability coverage for any one vehicle insured under the policy.”

North Carolina law, as with other states, also requires that liability coverage be maintained. The minimum requirements of liability insurance for private passenger vehicles in North Carolina are 30/60/25. These numbers stand for $30,000 per person, $60,000 per accident, and $25,000 for property damage occurring in one accident.

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Bodily Injury Liability

Bodily injury liability insurance covers you in the event that you cause an accident that hurts someone else. The bodily injury liability insurance covers the medical costs of any physical injury that happened to other passengers in the car and other cars during the accident. It covers legal costs as well that happen with accidents. The number one cause of bankruptcy in the U.S. is from medical bills. That is why it is important to have liability insurance because without it you will have to come up with court costs, car fees, and other accident fees. The amount of money that it costs for bodily injury liability insurance depends on the insurance carrier. Some types of bodily injury liability insurances cover people who drive your vehicle with your permission. Bodily injury liability insurance does not cover your injuries, your family members injuries or damages to your car.

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