FAQ on North Carolina's Increased Minimum Car Insurance Requirements

What are the new minimum car insurance coverage requirements in North Carolina?

The new minimums are $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $50,000 for property damage, effective for policies purchased or renewed after July 1, 2025.

Why did North Carolina increase the minimum car insurance coverage requirements?

The increase is designed to provide enhanced financial protection for accident victims and drivers in response to rising medical costs and the increasing expense of repairing or replacing damaged vehicles.

When do the new minimum car insurance coverage requirements take effect?

The new requirements apply to all policies purchased or renewed after July 1, 2025.

What additional change was made to North Carolina’s auto insurance policy mandates?

As of July 1, 2025, uninsured and underinsured motorist coverage became mandatory for all liability policies.

Who is affected by the new minimum car insurance coverage requirements in North Carolina?

All North Carolina drivers with policies purchased or renewed after July 1, 2025, are affected by these changes.

How might the increased coverage limits benefit policyholders?

The increased coverage limits may provide higher payment amounts for policyholders involved in a collision, especially those hit by an uninsured driver or the party not at fault for the crash, offering more financial protection in severe accidents.

What should I do if I have questions about how my insurance policy is affected?

If you have questions about your insurance coverage and how your policy will be affected, you should contact your insurance carrier.

Where can I find more information or assistance regarding car accidents and insurance claims in North Carolina?

For more information or assistance, you can contact The Layton Law Firm, a Charlotte-based personal injury law firm that handles all types of personal injury claims.