October 17, 2024
The distinction between at-fault and no-fault insurance systems is essential for understanding how car accident claims work, especially in states like North Carolina. Here's a summary of how the at-fault system functions in North Carolina, along with key elements such as contributory negligence and minimum insurance requirements.
At-Fault System (North Carolina): In North Carolina, the driver who causes the accident is responsible for covering damages. If you're injured due to another driver's negligence, you can file a claim against their insurance for:
To win compensation, it must be established that the other driver was at fault.
No-Fault System: In contrast, no-fault states require drivers to seek compensation from their own insurance, regardless of who caused the accident. Personal Injury Protection (PIP) typically covers medical costs and lost wages without needing to assign blame, although claims against other drivers may be allowed in more serious cases.
A crucial aspect of North Carolina's at-fault system is its contributory negligence rule. Under this rule:
North Carolina law mandates the following minimum liability insurance for all drivers:
These minimums are designed to provide a basic level of financial protection for accident victims.
North Carolina operates under an at-fault insurance system, where the party responsible for causing the accident must cover the damages. However, the contributory negligence rule can complicate claims, as even a small degree of fault on the victim’s part can prevent them from recovering compensation. Understanding these laws is critical if you're involved in a car accident in the state. It's advisable to consult with a personal injury attorney to ensure your rights are protected, especially when navigating the complexities of fault and contributory negligence.
Read: How long do I have to report a car accident in North Carolina?
If you've been injured in a car accident due to someone else's negligence, you shouldn't have to navigate the legal system alone. Bet on us to win your case. At Hall & Dixon PLLC, we fight for individuals and families who are facing the physical, emotional, and financial aftermath of serious auto accidents.
From medical bills and lost income to pain, suffering, and long-term care, our attorneys understand the full impact of personal injury—and we’re here to help you pursue the compensation you rightfully deserve.
✅ Aggressive representation against insurance companies
✅ Proven results in bodily injury and civil damages claims
✅ Compassionate support every step of the way
✅ No fees unless we win your case.
Don't wait—North Carolina law limits the time you have to file a personal injury claim. Let us help you protect your rights and secure your future.
📞 Call us at (704) 993-6825 Serving Charlotte and surrounding areas across North Carolina
