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North Carolina Advocates for Justice

North Carolina Increases Minimum Auto Insurance Limits: A Win for the Injured

Matt Richardson

The North Carolina General Assembly has increased liability insurance requirements for all North Carolina drivers. Senate Bill 452, which was passed this year, makes the following changes:

  • Old Minimal Liability Limits
    • $30,000 for injuries to one person in any one accident
    • $60,000 for injuries to more than one person in any one accident
  • New Minimal Liability Limits
    • $50,000 for injuries to one person in any one accident
    • $100,000 for injuries to more than one person in any one accident

A Positive Change

As personal injury attorneys practicing in Fayetteville and Eastern, North Carolina, we see this law as a win for all drivers in North Carolina. If you’re severely injured in a car accident that wasn’t your fault, you need all the resources you can get to cover medical expenses and pay your damages. We’ve seen time and time again that $30,000 in liability coverage (which most drivers carry) is not enough. This law provides greater protection to all North Carolinians.

What About Uninsured Drivers?

Certain individuals will continue to break the law and operate a vehicle without liability insurance. If you’re hit by one of these uninsured drivers, you can file a claim with your own insurance company under your Uninsured Motorist Coverage (UM). Under the new law, your uninsured limits will now be $50,000 instead of $30,000, providing you with greater protection.

If you have a question about auto insurance, or you’ve been injured in a motor vehicle collision, call us today. The experienced attorneys at The Richardson Firm will be happy to provide you with a free consultation.

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