Charlotte residents are legally required to carry specific coverages at certain minimum limits in order to hit the road.
If you're found at fault in an incident that results in injury to another person and/or damage to their property, liability can help pay for their accident-related expenses up to the limits you choose for your policy.
North Carolina requires motorists to carry at least the following minimum limits:
- $30,000 of bodily injury liability per person
- $60,000 of bodily injury liability per incident
- $25,000 of property damage liability per incident
This is often expressed as 30/60/25 and represents the bare-bones basics of state-required liability insurance. You can always opt for higher limits when you get your quote or during your policy term.
Uninsured motorist coverage
If you're carrying state minimum bodily injury liability limits on your policy (30/60), uninsured motorist coverage is also required in North Carolina. This coverage can help ensure medical and property damage bills don't come out of your pocket if you're ever involved in an incident with an uninsured driver. It can also really save the day in hit-and-run scenarios.
The same minimum limits apply as basic bodily injury liability, and you can increase your limits at virtually any time during your Esurance policy term.
If you're carrying bodily injury liability limits above state minimums (50/100 or higher), you'll be required to add combined uninsured/underinsured motorist bodily injury liability coverage at limits of at least 30/60 to your policy.