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a seatbelt and broken glass in a car accident

Are You Covered in an Accident?

A car accident can be stressful, devastating, and may leave victims with serious consequences. The worst thing to find out in the midst of dealing with an accident is that you are not covered by your insurance policy.

Below, we’ll go over the basic components of auto insurance so that you may be prepared in the event of an accident.

Required Coverage in North Carolina

Depending on the state, there is a minimum car insurance requirement drivers must follow. North Carolina drivers must have the following coverage:

  • $30,000 for bodily injury liability per person injured in an accident you cause

  • $60,000 for total bodily injury liability when two or more people are injured in an accident you cause

  • $25,000 for property damage per accident you cause

Various Types of Coverage

  • Liability Insurance. There are two types of liability insurance. Bodily injury liability helps pay for another person’s injury if you caused an accident. Property damage liability helps pay for the damage you caused to another person’s property while driving.

  • Personal Injury Protection. While liability insurance pays out to other people, this coverage may help you pay for expenses associated with an accident. This can include medical bills, lost wages, funeral costs, and more.

  • Uninsured/Underinsured Motorist. If you are hit by an uninsured driver or by someone who doesn’t have enough insurance to pay for your loss, this coverage would reimburse you.

  • Collision Coverage. This may help pay for damages to repair or replace your car from a collision with another vehicle.

  • Comprehensive Coverage. In the event that there is damage to your car by something other than a collision, you may be reimbursed for your loss under this coverage. It may cover events such as fire, falling objects, theft, vandalism, or contact with animals.

Injured in a Car Accident? We’re Here to Help!

If you or a loved one has been injured in a car accident, our attorneys will fight tirelessly to protect your rights and your recovery. We will review the facts of your claim, speak with your insurance company, and help you get the claims process started smoothly so that you can focus on the most important thing—you.

Contact Lanier Law Group, P.A. at (855) 757-4204 to schedule a free consultation today.

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