Everyone who drives a car needs liability car insurance. In fact, it’s legally required to have this insurance in nearly every U.S. state, including North Carolina. But what is liability car insurance exactly? At Curtis Helms Insurance, we’re here to break down the basics of what you need to know and help you find the right auto insurance policy for your particular needs.
Liability car insurance pays for property damage and injuries to another person that occurred in an accident in which you were at fault. These two types of coverage are called property damage coverage and bodily injury coverage. The state of North Carolina has minimum coverage requirements for them. As of July 1, 2025, the following minimums apply:
- Bodily injury (per person) — $50,000
- Bodily injury (per accident) — $100,000
- Property damage — $50,000
Remember that these are just the minimum requirements. Your liability coverage should be tailored to your needs, which may mean you should have greater coverage than the state-mandated minimum amounts.
It’s important to understand that liability car insurance covers damages to another party if you are at fault. It does not cover your own property damage or injuries.
If you would like to learn more about liability car insurance or start shopping for auto insurance, don’t hesitate to contact us today. We can help you find the right options and provide a fast quote.