Auto insurance terms can sometimes be confusing and hard to understand. It's important for you to understand what coverage options are available in North Carolina and how to make sure you and your family are properly protected. Here are some brief descriptions of the terms that will help you better understand auto insurance in North Carolina:
| Liability Coverage |
| Bodily Injury Liability - provides coverage if you or a covered driver is legally liable in an auto accident in which others are injured or killed. |
| Property Damage Liability – provides coverage if you or a covered driver is legally liable for damage to another’s property resulting from an auto accident. |
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| Medical Payments Coverage |
| Provides coverage for doctor, hospital, and surgical expenses incurred by you, your covered family members, or covered passengers riding in your auto. |
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| Uninsured Motorists Coverage |
| Provides coverage if you, your covered family members, or covered passengers are injured or killed in an accident involving a legally liable uninsured driver. Uninsured Motorist Coverage for Property Damage is also available. |
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| Underinsured Motorist Coverage |
| Provides coverage if you, your covered family members, or covered passengers are injured or killed in an accident involving a legally liable underinsured driver. This means that the liable party does not have enough insurance to cover all the damages. |
