Is North Carolina a No-Fault Insurance State? What You Need to Know | 98...


If you've been in a car accident in North Carolina, you may be wondering is North Carolina a no fault accident state. The short answer is no—North Carolina is not a no-fault state. But what does that mean for you? In this blog post, we'll break down everything you need to know about car insurance in North Carolina, from liability insurance to Medpay coverage. Keep reading to learn more.

What is no-fault insurance?

No-fault insurance often referred to as personal injury protection (PIP) coverage, is a type of car insurance that covers the medical expenses and lost wages of the policyholder, regardless of who is at fault for the accident. In no-fault states, insured drivers will file a claim with their own insurance company for compensation, rather than seeking damages from the at-fault driver.

Why isn't North Carolina a no-fault state?

North Carolina, along with most other states, follows a traditional fault-based car insurance system. This means that in the event of an accident, the at-fault driver (or their insurance company) is responsible for covering any resulting damages or injuries.

Liability Insurance in North Carolina

In North Carolina, all drivers are required to carry liability insurance. Liability insurance covers the costs of damages and injuries that you cause to other people in a car accident. The minimum amount of liability insurance required in North Carolina is $30,000 per person/$60,000 per accident for bodily injury and $25,000 for property damage.

How does liability insurance work?

If you cause a car accident, your liability insurance will cover the resulting damages and injuries up to your policy limits. For example, if you cause an accident that results in $40,000 in medical bills for the other driver, your liability insurance would cover up to $30,000 of those costs (the minimum required coverage in NC). If the damages exceed your policy limits, the remaining costs would have to be covered by you personally.

If you are not the at-fault vehicle you may be able to claim on your own liability insurance filing a claim under the uninsured / under-insured motorist coverage.

Medpay Coverage in North Carolina

In addition to liability insurance, North Carolina also requires all drivers to carry Medpay coverage. Medpay coverage is a type of insurance that helps pay for medical expenses incurred as a result of a car accident, regardless of who was at fault. Medpay coverage typically pays for things like ambulance rides, hospital stays, and doctor's visits. The minimum amount of Medpay coverage required in North Carolina is $1,000 per person.

So, while North Carolina is not a no-fault state, there are still insurance options available to help cover the costs of medical expenses and lost wages after a car accident. It's important to make sure you have enough liability and Medpay coverage in case you are ever involved in an accident.


Charlotte NC Car Accident Lawyers Group
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Charlotte, NC 28226
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