Driving is the primary mode of transportation in the Mebane, Graham and Burlington, North Carolina areas, but the law requires that all motorists there maintain valid auto insurance coverage. At our agency, we know that just any coverage will not do, as state law mandates a minimum amount of liability coverage that every driver must carry. If you are in the market for auto insurance in North Carolina — or are looking to simplify an existing coverage plan, there are some basic state guidelines you must follow for purchase.
North Carolina Auto Insurance Minimums
The minimum amount of auto insurance in North Carolina applies to liability coverage only. The state is a "fault" state, meaning the parties responsible for an accident are also responsible for the medical bills and property repair/replacement costs associated with the accident. All auto insurance policies in the state must provide insurance for property damage with at least $25,000 available per accident. Bodily injury and death benefits must also value $25,000 or more per person, with at least $60,000 available per accident.
Carrying the minimum state-required auto insurance coverage is compliant with the laws of North Carolina, but drivers should view them as starting points. Any medical expenses or repair costs that exceed the values of your insurance policy will still be your legal responsibility. Like other drivers, you may wish to choose to raise your liability limits and also include personal injury protection and collision coverage that will provide protection for yourself and your own vehicle in an accident. Comprehensive coverage is also beneficial if you wish to protect your vehicle against non-accident related damages, such as theft, vandalism and damage from natural disasters.
Finding a North Carolina Auto Insurance Policy
Before you purchase a new insurance policy or renew your existing one, call our office to speak with an independent agent about your coverage options and premiums. We do not work for any particular insurance company, meaning that we can help you get quotes from North Carolina’s leading insurers without any pressure to buy. We want insurers to compete for your business, and we want to help you get the best coverage at the lowest prices. For more information or to get your free quotes today, contact our office at your earliest convenience. We look forward to speaking with you soon!