North Carolina motor vehicle law requires that motor liability coverage be maintained on an ongoing basis. What are the minimum car insurance requirements in North Carolina? When a driver purchases a policy for uninsured drivers, their own insurance company takes over the place of the at-fault driver's insurance company and pays the costs related to the injury. Underinsured driver's insurance protects the driver when the at-fault driver who caused their injuries has motor vehicle insurance, but doesn't have enough coverage to pay for the injured party's full costs. North Carolina law requires drivers to purchase minimum amounts of regular car insurance, insurance for uninsured motorists, and insurance for underinsured motorists.
This coverage is very important if you are injured in an accident with a driver who doesn't have any insurance coverage or who doesn't have enough insurance coverage to fully compensate you for the injuries. Drivers who don't meet North Carolina's minimum auto insurance requirements will face penalties, fines, suspensions, or jail terms.
