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Pethel Insurance Group

2622 Dale Earnhardt Blvd
Kannapolis, NC 28083

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North Carolina Auto Insurance Basics

Insurance is a "must-have" for Kannapolis, NC automobile owners. Quite simply, it’s the law to have automobile insurance if you have an automobile. Understanding what type of insurance you need and why, however, can be significantly more complex. 

Explore some of the basics of auto insurance in North Carolina. Pethel Insurance Group can help you navigate this important insurance coverage.

You Can’t Skip Out on Auto Insurance

Have you ever heard of people paying insurance sometimes and then letting it lapse? Well, in North Carolina that isn’t legal. The law requires automobile liability to be continuous — meaning you should always be covered and not have gaps in your coverage.

Minimum Auto Insurance

Not only must your insurance be ongoing, but it must cover a certain amount of damages. As listed by the state you must carry:

  • $30,000 Bodily Injury for each person
  • $60,000 total Bodily Injury for all persons in an accident
  • $25,000 for Property Damage

What these legal guidelines mean is that you must meet a minimum of insured medical coverage for any person who may be involved in a car accident with you including those in your car and the other vehicle or vehicles. In addition to having basic medical coverage, you need to have a minimum amount of insurance for property damage that you may cause to the other party, such as engine work or body work needed for repair.

Uninsured Motorist Coverage

North Carolina also requires uninsured motorist coverage — this is your protection against people who don’t follow the rules. Uninsured motorist coverage may include your medical costs and sometimes vehicle repair if you are hit-and-run or have an accident with a person not holding legal insurance.

Learn about the auto insurance specifics that matter to you with Pethel Insurance Group in Kannapolis, NC.