In North Carolina, insurance policies “follow the car.” So, if someone borrows a friend's car causes an accident and hurts another, you should first apply for the car owner's policy. North Carolina car insurance policies follow the car and not the driver. Therefore, if someone driving a friend's car causes an accident and injures another person, the first thing to do is follow the car owner's policy. However, if it does not provide adequate coverage, the injured party may consider starting proceedings against the driver's insurance policy.
In North Carolina, auto insurance typically includes the car. This includes liability for bodily injuries, liability for personal injuries, the protection of uninsured motorists, collision and all risks. So, if you lend your car to someone in North Carolina, you're also allowing them to borrow your insurance policy. The general rule is that the insurance follows the car; however, there may be situations where the insurance for the “at-fault” car may take effect.
However, car insurance isn't one-size-fits-all and the specifications may vary depending on the type of car, where you live, and your individual needs. This resource can help you make informed decisions about buying insurance so that you can get the RIGHT insurance protection for your needs. To ensure that all available coverages are investigated, it's best to talk to a knowledgeable North Carolina car accident lawyer. If you have questions about North Carolina's car insurance requirements or want to talk to an attorney about an accident in which you were involved, contact Henson Fuerst for help.
According to North Carolina traffic accident law, drivers involved in minor collisions (in which the cars are still operational) must move their cars as far away from the shoulder of the road as possible in a safe manner. It's common practice for insurance companies to allow you to rent a vehicle while yours is being repaired. Like many other states in the country, North Carolina requires car owners to have minimal insurance coverage. On top of that, comparing the rates of several car insurance companies is an easy way to save money on auto insurance.
Since car insurance follows the car and not the person driving it, the accident will be based on YOUR insurance history and MAY cause your car insurance to increase. Car insurance generally follows the car and NOT the driver of the car at the time the accident occurs. No, liability insurance only pays for other people's injuries and property damage for which the insured driver is legally responsible. If you live in North Carolina, here's what you should know about North Carolina's minimum car insurance requirements to keep you protected and protect others on the road.
Under North Carolina law, there are different types of insurance policies that can be used to obtain a recovery. Understanding North Carolina's car insurance laws will help cover you and your family in the unfortunate event of a car accident.