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Are You Covered? Different Types of Auto Insurance

Insurance coverage is designed to protect you in the event of an accident by helping you cover the expense of medical care and other damages you incur that you may not be able to pay for alone. It’s important to make sure you have the right amount of insurance coverage to protect you in an accident.

Unfortunately, the North Carolina state minimums may not be enough to pay the full extent of your damages—especially if you were hit by a driver with little or no insurance coverage of his or her own. That’s why you need to review your insurance policy and make sure you’re covered.

North Carolina Auto Insurance

Under North Carolina law, there are certain types and amounts of insurance you are required to carry, including:

  • Liability Coverage (required by law)
    You and your family, or anyone driving your automobile (with permission), may receive bodily injury and property damage coverage under liability insurance.
  • Collision
    Damage to your vehicle or a vehicle you do not own may be covered under collision insurance.
  • Comprehensive
    Miscellaneous damages to your vehicle, such as falling objects, fire, theft, weather, animal contact, or glass breakage may be covered under comprehensive coverage.
  • Medical Payments Coverage
    You, your family, or anyone riding in your vehicle may receive necessary and reasonable medical and funeral coverage under medical payments coverage.
  • Underinsured Motorist Coverage (required by law under specific circumstances)
    You, your family, or anyone riding in your vehicle may be covered if involved in a collision with a driver who doesn’t have enough insurance coverage or who has no insurance at all.

Your insurance agent or a North Carolina auto accident lawyer from Crumley Roberts can help you review your policy when you’ve been injured in an accident. Call  or complete a free initial consultation form. Our legal team is here to help.

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