The North Carolina Financial Responsibility Laws require that Automobile Liability coverage be maintained. The minimum requirements of liability insurance for private passenger vehicles in North Carolina are 30/60/25. These numbers stand for $30,000 for Bodily Injury Liability for 1 person, $60,000 Bodily Injury Liability for 2 or more people in one accident and $25,000 for Property Damage Liability occurring in one accident.

Effectice January 1, 2009 all auto policies have to have Uninsured Motorist coverage (UM or UM/UNDUM, and UMPD) with limits equal to the highest limits of Bodily Injury Liability. In addition, Uninsured/Underinsured Motorist Bodily Injury (UM/UNDUM) must be on a policy where the liability limits are greater than 30/60/25 (BI and PD).

NC insurance companies and their agents are required to offer Uninsured Motorist and Combined Uninsured/Underinsured Motorist coverage. If you do not wish to have this coverage, it must be rejected in writing.

• Bodily Injury Liability: $30,000/$60,000 Limit
• Property Damage Liability: $25,000 Limit
• Uninsured Motorist Bodily Injury: $30,000/$60,000 Limit
• Uninsured Motorist Property Damage: $25,000 Limit
  *New limit requirement effective: January 1, 2009

As you may be aware, the NCDOT Division of Motor Vehicles states that the N.C. General Assembly has enacted legislation which requires driver license applicants in North Carolina to submit proof of automobile liability insurance coverage in order to obtain a North Carolina driver's license.

If you are in need of insurance coverage for North Carolina follow this link for free auto insurance quotes.

You can always get nationwide and state information about insurance requirements from CarInsurance.com. If you want to learn more about coverages in NC, get a free quote and our coverage screen will walk you through different coverage packages to protect you.