Who Pays For Damages As A Result Of A Car Accident In North Carolina?

Car accidents are stressful and can be physically and emotionally exhausting. But on top of that, navigating the insurance maze can add to the already overwhelming situation. In North Carolina, determining who pays for a car accident can be a bit tricky. However, understanding the process of determining liability and insurance coverage is essential for anyone involved in a car accident. In this article, we’ll be discussing whose insurance pays for a car accident in North Carolina and what factors determine who is at fault.

Under North Carolina law, drivers must have liability insurance coverage. Liability coverage is intended to protect drivers from the financial impact of causing or being involved in an accident. However, minimum liability coverage may not always be sufficient. For this reason, drivers may choose to carry additional coverage.

Determining liability can be challenging. While some accidents may be straightforward, others may involve several parties, such as pedestrians, bikers, or other vehicles. In North Carolina accidents, liability is determined by the concept of contributory negligence. This means that if a driver is determined to have contributed to any extent to the accident, they may be barred from recovering any damages.

If you’re involved in an accident in which the other driver is determined to be at fault, their insurance company will be responsible for covering the damages. However, suppose the other driver doesn’t have car insurance or doesn’t have enough insurance to cover your damages. In that case, you may need to turn to your own insurance policy for coverage. It’s important to note that if you use your own insurance policy, you’ll be responsible for paying any deductibles.
In some cases, the insurance company may dispute lability, or the other party’s insurance company may offer a settlement that doesn’t cover your damages. If this happens, you may need to consult with an attorney with extensive experience in car accidents. A car accident attorney will negotiate with the insurance company to ensure that your damages are covered.

If you are in need of an experienced car accident attorney, contact Campbell & Associates today. Our team of injury attorneys are here to help you through this process. Our phone lines are always open, and your consultation is free. Call our office at (704) 333-0885 or visit our website www.campbellandassociateslaw.com.