The terms and conditions to auto accidents determine compensatory remedies of damages in court. In North Carolina, fault is initially established by driver admission, or law enforcement record prior to litigation. Drivers seeking damages for medical or property from the responsible party, must be able to substantiate a claim. The type of auto insurance policy determines the provision of damage compensation after an accident.

Auto Insurance in North Carolina

North Carolina mandates that auto liability coverage is the minimum indemnity that can be held on a vehicle. If a driver is still paying on an auto finance loan installment agreement, comprehensive collision coverage is required at market value of the vehicle asset.  When purchasing auto insurance coverage in North Carolina, find a policy that covers a range of damages and medical expenses associated with property repair, hospitalization, and vehicle replacement as part of an accident claim.

Auto liability coverage minimums in North Carolina begin at $30,000 for bodily Injury for a single injured person, $60,000 for bodily Injury of multiple injured persons, and $25,000 for property damage per accident. Some liability policies cover lost wages and other medical expenses outside of hospitalization. Natural disaster coverage is a standard provision within North Carolina auto insurance law, and may be important in a circumstance where a hurricane has caused a collision with another driver.

Protect Yourself from Accident Litigation

Automobile accident litigation can be a costly expense for an insured with limited liability coverage. With comprehensive auto coverage, court ordered compensation of damages may be mitigated by a policy. Supplement an auto insurance policy with comprehensive collision coverage and uninsured/underinsured motorist insurance protection and avoid the risks of litigation in North Carolina.  

For auto insurance coverage in North Carolina, contact an insurance broker with Cross Creek Insurance in Hope Hills, NC.