Call Us (919) 833-3803 Español ☰ ˟
Logo
Español Call Us (919) 833-3803
  • Home
  • Get a Quote
    • AutomobileImage of right arrow
      • Auto Insurance Quote
      • Automobile Insurance Home
    • HomeownersImage of right arrow
      • Homeowners Insurance Home
      • Homeowners Insurance Quote
    • RentersImage of right arrow
      • Renters Insurance Home
      • Renters Insurance Quote
    • Business & CommercialImage of right arrow
      • Business & Commercial Insurance Home
      • Commercial Auto Insurance Quote
      • General Liability Quote FormImage of right arrow
        • General Liability Insurance
      • Business Owners (BOP) Quote FormImage of right arrow
        • Business Owners Policy
      • Workers Compensation Quote
    • Recreational VehicleImage of right arrow
      • Recreational Vehicle Insurance Home
      • Recreational Vehicle Insurance Quote
    • LifeImage of right arrow
      • Life Insurance Home
      • Life Insurance Quote
    • UmbrellaImage of right arrow
      • Personal Umbrella Insurance
      • Umbrella Insurance Request
    • Watercraft & BoatImage of right arrow
      • Watercraft & Boat Insurance Home
      • Watercraft Insurance Quote
  • Blog
  • Resources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • About Us
    • About Us
    • Location(s)
    • Testimonials
    • Privacy Policy
  • Contact Us
    • Contact Us
    • Join our Newsletter
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life Icon

Life

We browse through a wide variety of coverages and find the right one for you.

Learn More
Recreational Icon

Recreational

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Is North Carolina a Fault State?
MONDAY, FEBRUARY 27, 2023

Is North Carolina a Fault State?

North Carolina is an at-fault state. If you cause a car accident here, you may be held legally liable for the resulting property damage and bodily injuries.  

An at-fault driver in North Carolina may be held responsible for the following:

 

  • Costs of repairing or replacing third-party vehicles damaged in the accident
  • Costs of medical treatments for third-party accident-related injuries
  • Other third-party accident-related losses, which may include lost income, mental and physical pain and suffering and other financial losses


While the at-fault driver may be held legally liable for accident-related injuries and property damage, North Carolina’s statute of limitations sets a three-year time limit on the injured party’s right to sue the at-fault driver for damages. Wrongful death claims must be filed within two years of the affected person’s death.  

North Carolina is one of four states with shared fault rules, also called contributory negligence, which state that if both drivers were partially to blame for the accident, neither driver can sue the other for damages.  a car parked in a parking lot

At-fault vs. No-fault States 

Each state determines how or if at-fault drivers may be held financially responsible for damages resulting from a car accident.  

 

  • No-fault state—Each driver files a claim with their insurer regardless of who was at fault. Medical bills may be paid by each driver’s personal injury protection (PIP) coverage up to the policy’s coverage limits.
  • At-fault state—Insurers for each driver evaluate the situation and determine which driver is legally liable. The at-fault driver’s auto liability policy may help cover property damage and bodily injuries.


What Auto Insurance Does North Carolina Require? 

North Carolina drivers must have auto insurance that meets the state’s requirements, which include the following: 

 

  • Liability insurance—This coverage helps pay for third-party property damage and bodily injuries after an at-fault accident.
  • Uninsured and underinsured motorist coverage—This coverage helps pay for your injuries and property damage if the at-fault driver doesn’t have liability coverage or their policy limits aren’t high enough to pay your damages.


If you financed or leased your vehicle, the lienholder requires full coverage insurance, which may include the following: 

 

  • Collision insurance—This policy may help pay to repair or replace your vehicle if you hit another vehicle or object.
  • Comprehensive insurance—This policy may help pay to repair or replace your vehicle if you are in a noncollision-related accident or incident, such as a fire or severe storm, or if your car is stolen or vandalized.
  • Gap coverage—This policy helps bridge the financial gap between the insurer’s settlement and the total payoff on your loan or lease if your car is a total loss after a covered accident or incident.

How to Get Auto Insurance In North Carolina 

Contact Nobles Insurance Agency in Clayton, North Carolina, to get auto insurance tailored to meet your needs at a great price.  

 
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information. 

 

 
Posted 11:14 AM

Tags: auto, car, insurance, coverage, accident
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020

  • insurance(17)
  • coverage(12)
  • policy(9)
  • business(6)
  • commercial(5)
  • auto(4)
  • owners(3)
  • life(3)
  • bop(3)
  • car(3)
  • belongings(2)
  • whole(2)
  • terms(2)
  • homeowners(2)
  • retirement(2)
  • accident(2)
  • renters(2)
  • liability(1)
  • general(1)
  • property insurance(1)
  • auto insurance(1)
  • rv insurance(1)
  • auto insurance claims(1)
  • home preparation(1)
  • vehicle(1)
  • flood insurance(1)
  • boat(1)
  • recreational(1)
  • premiums(1)
  • small(1)
  • classic(1)
  • business owners insurance(1)
  • damage(1)
  • value(1)
  • collision(1)
  • umbrella(1)
  • data protection(1)
  • liability insurance for small businesses(1)
  • high(1)
  • apartment(1)
  • vintage(1)
  • cyber security(1)
  • rv(1)
  • benefits(1)
  • storms(1)
  • builders risk insurance(1)
  • costs(1)
  • watercraft(1)
  • personal(1)
  • professional liability insurance(1)

View Mobile Version

Contact Us Today!
(919) 833-3803

Social Social Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

Clayton
11687 US 70 Business
Clayton, NC 27520

Willow Spring
2115 NW Hwy 42 E
Willow Spring, NC 27592

Raleigh
557 Pylon Drive Suite A
Raleigh, NC 27606

Cary
501 Pinner Weald Way Cary
Suite 102
Cary, NC 27513

© Copyright. All rights reserved. | Powered by Insurance Website Builder