Auto Insurance Charlotte NC for many drivers, you may require a non-owner policy at all times. If you have had your license taken away, you may need to get non owners auto insurance in order to have your license reinstated.
No matter your situation: accidents, tickets, DUI or lapse in coverage – we can help. Our agents help you shop the entire market for the best non-owner auto insurance rates.
Accidents can have devastating effects on your health both physically and financially. North Carolina state laws requires minimum levels of coverage to ensure that medical and repair bills don’t bankrupt accident victims.
If you are found to be at fault for an accident, your insurance company will pay at least what’s shown below. If you are not at fault, your bills will be covered by the other driver’s insurance, or, by your own uninsured motorist policy.
Liability coverage is legally required in North Carolina and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In North Carolina, the minimum is listed as 25/50/25 and explained below:
- $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
- $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
- $25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.
Optional Coverage For Auto Insurance Charlotte NC North Carolina
Collision Coverage
Collision Coverage pays, up to the coverage limits, for damages caused to your vehicle or a vehicle you are operating if it hits another car, object, or overturns. This type of coverage is typically required if you are financing your vehicle.
Comprehensive Physical Damage Coverage
This type of insurance provides coverage for damages to your vehicle or any vehicle in your custody resulting from incidents other than collision such as theft, fire, vandalism, flooding, hail or other perils. It is usually required if you have a vehicle loan.
Liability Coverage
Liability insurance provides coverage to pay for another individual’s bodily injuries or damages to their vehicle or property that you are legally responsible for. This type of insurance is required in most states.
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