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Is North Carolina a no-fault state?
My daughter was recently in an accident in North Carolina. We’re a little confused about how to file a claim and get her help for the injuries. Is North Carolina a no-fault state?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
So sorry to hear about your daughter’s accident. No, North Carolina is not a no-fault state. North Carolina is an at-fault state for car insurance.
In an at-fault state like North Carolina, the driver who caused the accident (is at-fault) is responsible for paying for the injuries and property damage. Because of this, claims usually take longer to process.
There are only 12 no-fault states. In these states, you must file with your own insurance policy for injury compensation regardless of who was actually responsible for the accident, you should get an optional medical coverage add-on to cover yourself and your passengers.
The major limitation in North Carolina is that you will be financially responsible for the other driver’s damages if you are found 100% at fault, and the driver can file a personal injury lawsuit to demand the money. If it is proven that the other driver is partially negligent for the accident, both drivers will have to handle their own financial concerns.
Accidents can raise your car insurance premium, so now might be a good time for you and your daughter to shop around for a new policy. The free Jerry app is fast and easy, and you can do it all on your smartphone.
MORE: North Carolina car insurance laws
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- Gregory R.
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