Who Is Liable In A Collision?

Throughout North Carolina, there are a number of attractions. People come from all over the world for the national parks, the beaches, and even the major cities, such as Charlotte and Raleigh. Home prices can be affordable and the economy is strong because of the presence of so many large companies.

When you’re in the 28015 area, it’s important to look at automobile insurance. More importantly, you want to know about coverage so you can be well protected.

If you’re in a collision and it was your fault, then you are the one liable for the entire aspect of the accident. This includes property damage as well as any personal injuries.

Within North Carolina, the state mandates the minimum levels of coverage that you need to maintain on a policy at all times. This is the liability coverage. If you have $25,000 worth of coverage for property damage and the collision totals up to $50,000 worth of damage, the remaining $25,000 is not going to be covered by the car insurance and that’s because you don’t have the coverage. This means that the $25,000 that isn’t covered is your financial responsibility.

Liability is a big deal and therefore you need your automobile insurance policy to protect you. Increasing the liability on your policy isn’t as expensive as you may think. Doubling or even tripling the coverage isn’t going to double or triple the cost of your premium – and that means you can add a significant amount of coverage and only spend a little bit of money.

At fault versus no fault states determine liability differently. If you’re in a no fault state, then you would be responsible for what happens on your end with the collision and the other driver would be responsible for what happened on their end.

Either way, we have agents to help with coverage.