You’ve suffered car accident injuries and now you want to know who will pay for all of the expenses involved.  Who will pay for my car, which was declared a total loss?  Who will pay for my medical bills?  What about the time I have to miss from work?  The answer is usually automobile liability insurance.

Everyone in North Carolina is required to carry automobile liability coverage.  This coverage pays for property damage and car accident injuries associated with an accident that is your fault.  The same coverage applies in accidents that are not your fault.  If you suffer car accident injuries but the accident is not your fault, the at-fault driver’s liability insurance will be responsible.  The liability insurance will be responsible for paying for your car accident injuries including, property damage, medical treatment and bills, lost wages and pain and suffering in addition to various other losses.  Contact a personal injury attorney for more information about damages resulting from a car accident.

Who is covered by your liability coverage?  

Liability insurance covers any family member driving any vehicle, and any person using your vehicle with your permission.  The minimum required amount of liability coverage in North Carolina is $30,000 per injured person and $60,000 per incident.  This means that the liability coverage will pay up to $30,000 for car accident injuries to any one person, but not more than $60,000 in total per accident, no matter how many people were injured.  This is the minimum required, but you can choose to pay for more coverage, such as $50,000, $100,000 or $300,000.

If you are suffer from car accident injuries, it is likely that your claim will be with the liability insurance of the at-fault driver.  However, in some scenarios, additional insurance coverage may apply, such as Underinsured Coverage, Uninsured Coverage, and Medpay, amongst others.

There may be multiple areas of insurance coverage that apply to your case.  You do NOT want to settle your car accident injuries with any insurance company until you are certain that you have explored every avenue of insurance coverage available.  If you ever have any doubts as to the insurance that is available to you, contact a qualified attorney to discuss your rights. You can contact us to answer any questions you have, for free, or visit our website at www.minicklaw.com.

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