As one of the first states in the United States to adopt a compulsory insurance law, North Carolina follows the tort system which means that an individual suffering legal damage can call upon the tort law to receive monetary compensation from the person who is liable or responsible for whatever injuries or damage caused. With the tort system, someone must be blamed for the accident and that individual and his insurance company are completely responsible for the damage.

North Carolina Car Insurance Requirements

When registering or titling your vehicle you must provide proof of insurance. You can prove you have insurance by either giving the name of the insurance company and policy number or by showing a Certificate of Insurance (FS-1) which can be acquired from any licensed insurance company in North Carolina.

North Carolina’s state minimum insurance requirements are 30/60/25. These numbers signify that North Carolina has a bodily injury liability limit of 30,000$ with only 60,000$ total allowed per accident as well as a 25,000$ limit for property damage per accident.

According to the Vehicle Financial Responsibility Act of 1957, all North Carolina motorists must purchase uninsured motorist coverage on each registered vehicle they own

North Carolina Car Insurance Laws

According to the insurance laws in North Carolina, uninsured motorist coverage does not give protection against property damage. The uninsured motorist coverage will pay a maximum of the difference between the other driver’s liability limits and your uninsured motorist limits.

Automobile coverage must be maintained under the North Carolina Responsibility Laws. Also, the North Carolina auto insurance law demands that the uninsured motorist coverage with the 30/60/25 limits must be carried out unless the motorist in writing rejects it. Note that the limits can go up to $1,000,000 if selected by the policyholder.

Be sure to keep your insurance policy up to date.