North Carolina Auto Insurance Options
If you plan to register a vehicle and maintain the registration in the state of North Carolina, it is required for you to carry a minimum amount of uninsured motorist coverage and liability insurance. According to the Vehicle Financial Responsibility Act from 1957, the North Carolina government requires any driver who is at fault for an accident to have the ability to pay all bills and damages caused by the crash. In the state, there are also a few alternatives to an insurance policy that you should consider.
At Supreme Insurance Services Inc., our team is dedicated to helping ensure you get the auto insurance you need at an affordable rate. We will work with you to ensure you adhere to all laws set by the state.
While you are on the road, it is required that you always carry your insurance identification card so you can present it if law enforcement ever requires it. In most cases, a DL-123 certification copy of the policy declaration page or insurance binder will also suffice.
The specific requirements for North Carolina auto insurance include:
- Bodily Injury (BI): The required amount is $30,000 per person, as well as $60,000 per accident
- Property Damage (PD): $25,000 per accident
- (UMPD) Uninsured motorist property damage: $25,000 per accident
- (UMBI) Uninsured motorist bodily injury: The required amount is $30,000 per person, as well as $60,000 per accident
There is also optional auto insurance that you can choose to purchase, which includes:
- Collision coverage: This covers any damage to your car that occurs due to a collision that is caused by you, such as running into an object or hitting another vehicle.
- Comprehensive coverage: This pays for the vehicles physical damage from other types of incidents such as falling tree branches, hail, etc.
- Medical Payments: Coverage that will pay for all needed medical expenses.
If you need auto insurance in North Carolina or want to work with an experienced and professional team, reach out to us at Supreme Insurance Services Inc. today.