If you are driving in the state of North Carolina you must have liability insurance of $30,000 for injury per person per accident, a total of $60,000 for injury or death of two people or more per accident, and $25,000 to cover property damages. The limits are exactly the same for uninsured drivers' insurance. This basic coverage is referred to as 30/60/25 coverage with 30/60 UM limits.These amounts are the minimum required by the state law of North Carolina and the maximum that your car insurance company will pay, unless you have taken higher coverage limit.
The bodily injury liability will cover the medical expenses of people injured in the accident caused by your fault. It also includes bills for legal proceedings, compensation for lost wages sustained by the victims. In case of a death, the funeral charges are also included in this liability.
Bodily injury liability does not cover you or the passengers of your vehicle. Therefore, you may want more comprehensive coverage for yourself, your family and other passengers in your vehicle. A type of coverage known as PIP which stands for Personal Injury Protection covers you and the passengers in your vehicle against any damage and injury. It also covers other members of your family who may be passengers in another vehicle involved in an accident.