North Carolina lawmakers recently increased the minimum auto insurance requirements for drivers in the state.
How the changes to NC car insurance laws will affect accident claims remains to be seen, but motorists need to ensure their policies meet the new requirements to avoid legal trouble.
What Are the Changes in Auto Insurance in NC from July 2025?
As of July 1, 2025, the minimum auto insurance requirements in North Carolina are:
- $50,000 in liability coverage for injuries to a single person in a collision
- $100,000 in total liability injury coverage per accident
- $50,000 in liability coverage for property damage
Why Is the State Increasing the Minimum Liability Limits?
In light of these factors, low insurance requirements can leave injured people with unpaid bills, as someone hurt in a crash might not recover the money they need even if the other driver has insurance.
What Coverage Should NC Drivers Consider Beyond the New Minimums?
While North Carolina drivers should make sure their car insurance policies meet the new requirements for minimum coverage, it is also a good idea to add more coverage if you can afford it.
Some add-ons to consider include:
- Uninsured and underinsured motorist coverage (UM/UIM) –UM/UIM coverage helps pay for your injuries if the at-fault driver lacks sufficient insurance coverage after a crash. North Carolina law also requires UM/UIM coverage as part of your auto policy.
- Higher liability limits – Liability coverage provides financial protection in case you cause an accident by paying for the other people’s injuries and damaged property. Extra liability coverage can make sure you do not have to pay personally after a severe collision.
- Medical payments coverage – Medical bills are a massive expense after a car accident. Medical payments (MedPay) coverage pays accident-related medical bills regardless of who caused the crash.
- Comprehensive and collision coverage – Comprehensive coverage can pay to fix or replace your vehicle after a wreck with another car or object, regardless of who was to blame. Since crashes are not the only way your vehicle can sustain damage, comprehensive coverage can pay for damage from theft, storms, fires, or falling objects.
How Will the New Insurance Limits Affect Car Accident Claims in North Carolina?
The new insurance requirements in North Carolina could help injured people get the financial help they need after accidents. However, drivers might see their insurance premiums increase to pay for better financial protection. Higher limits could also make insurers more likely to dispute claims to avoid expensive payouts. That makes it more important than ever to get help from an experienced NC car accident attorney when dealing with the fallout from a crash.
Get Help from Our Experienced NC Car Accident Attorneys Now
The best step to protect yourself and pursue fair compensation after a North Carolina car accident is to hire an experienced personal injury attorney from Kornbluth Ginsberg Law Group, P.A. Our car accident attorneys have won millions of dollars for people with severe injuries. We want to put our experience, resources, and resolve to work for you now.
Call us 24/7 at 919-980-9895 or reach out online today to get started with a free consultation.
