Comprehensive Answers to Your Frequently Asked Questions
At RHD Legal, our compassionate Raleigh attorneys have been dedicated to fighting for the rights and compensation of injured clients. When at-fault parties and their insurance companies attempt to evade their responsibilities, we are here to stand firmly by your side, advocating for your rights and ensuring you receive the justice you deserve. In addition to providing robust legal representation, we are committed to educating our clients about the nuances of liability insurance, helping them understand their rights and what their insurance policies actually cover.
If you’ve been injured due to someone else’s negligence, don’t hesitate to call our team today at 919-246-4001, or get in touch with us online. You deserve the full protection of your rights, and our team is here to ensure you receive the compensation you are entitled to. FIGHTING FOR YOU!
Liability Insurance in North Carolina
What does liability insurance cover in North Carolina?
Liability insurance in North Carolina is designed to cover both bodily injury and property damage for which a covered driver becomes legally responsible. This type of insurance ensures that if you are found at fault for an accident, your policy will help cover the costs of injuries and damages inflicted on others.
Who or what is covered by liability insurance in North Carolina?
In North Carolina, liability insurance extends coverage to you, your immediate family, and anyone who is driving your covered vehicle with your permission. This means that if someone else is operating your vehicle and causes an accident, your liability insurance will provide coverage for damages and injuries resulting from that incident.
Is liability insurance required in North Carolina?
Yes, liability insurance is a legal requirement in North Carolina. According to state law, every auto insurance policy must include liability coverage that meets or exceeds the statutory minimum limits. Currently, the minimum limits for liability insurance in North Carolina are set at $30,000 per individual and $60,000 per accident. This will soon change!
Collision Insurance in North Carolina
What does collision insurance cover in North Carolina?
Collision insurance is intended to cover damage to your vehicle resulting from a collision. This includes situations where your vehicle is damaged or completely destroyed in an accident. Whether you hit another car or collide with a stationary object like a tree or a wall, collision insurance generally covers the costs associated with repairing or replacing your vehicle.
Who or what is covered by collision insurance in North Carolina?
Collision insurance provides coverage for accidents where your vehicle is involved, whether it’s hitting another car or a stationary object. It may also offer coverage if your vehicle is damaged by another driver while it’s parked. However, this insurance does not cover damages from non-collision-related events, such as theft or weather-related damage.
Is collision insurance required in North Carolina?
Collision insurance is not mandated by North Carolina law. However, if you are financing or leasing your vehicle, banks and financial institutions often require you to carry collision insurance to protect their investment.
Comprehensive Insurance in North Carolina
What does comprehensive insurance cover in North Carolina?
Comprehensive insurance covers damage to your vehicle caused by a variety of non-collision events. This includes damage from falling objects, fire, theft, larceny, explosions, earthquakes, hail, water, floods, civil unrest, or contact with animals. This type of insurance provides broader coverage than collision insurance by addressing incidents beyond accidents.
Who or what is covered by comprehensive insurance in North Carolina?
Comprehensive insurance provides protection for your covered vehicle, and it may also extend to non-owned vehicles under certain conditions. This means that if your vehicle suffers damage from an event listed above, comprehensive insurance will help cover the repair or replacement costs.
Is comprehensive insurance required in North Carolina?
Comprehensive insurance is not legally required in North Carolina. However, similar to collision insurance, it is often required by lenders and financial institutions if you are financing or leasing your vehicle.
Medical Payments Coverage in North Carolina
What does Medical Payments coverage pay for in North Carolina?
Medical Payments coverage, also known as MedPay, helps cover necessary and reasonable medical and funeral expenses resulting from a car accident. This coverage ensures that you and your passengers receive the financial support needed for medical treatment and funeral costs without delay.
Who or what is covered by Medical Payments coverage in North Carolina?
MedPay provides coverage for you, your family members, and all passengers in your vehicle at the time of the accident. This coverage applies regardless of who is at fault for the accident, making it a valuable component of your auto insurance policy. Additionally, MedPay can provide coverage if you or your family members are injured in another car or as pedestrians.
Is Medical Payments coverage required in North Carolina?
No, Medical Payments coverage is not a requirement under North Carolina law. However, it is a beneficial option for ensuring that medical expenses are covered in the aftermath of an accident.
Uninsured/Underinsured Motorist Insurance in North Carolina
What does uninsured/underinsured motorist coverage pay for in North Carolina?
Uninsured motorist insurance covers bodily injury and property damage when the at-fault driver does not have insurance. Underinsured motorist insurance provides coverage when the at-fault driver’s insurance is insufficient to cover the damages and injuries. Both types of coverage help protect you in situations where the responsible party lacks adequate insurance. For underinsured motorist coverage to apply, the policy limits must be more than the policy limits of the at-fault party. In other words, the policy would need to be more than the minimum limits and more than the at-fault parties.
Who or what is covered by uninsured/underinsured motorist coverage in North Carolina?
This insurance covers you, your family members, and anyone occupying your covered vehicle. It ensures that you are protected if an uninsured or underinsured driver causes an accident involving your vehicle.
Is uninsured/underinsured motorist coverage required in North Carolina?
Yes, uninsured motorist coverage is required for car insurance policies with minimum bodily injury and property damage limits. Policies exceeding these minimum limits must include combined uninsured/underinsured motorist coverage. This requirement ensures that drivers have some level of protection in cases involving uninsured or underinsured drivers.
If you have any questions regarding your insurance policy, please call our office at (919) 246-4001 as our experienced team is ready to help.
