What does your car insurance really cover in the event of an accident?

Simplifying Auto Liability Insurance for North Carolina Drivers

Julian Doby, a Southport, NC personal injury attorney, recently shared valuable insights on automobile liability insurance. This mandatory coverage is often misunderstood, but understanding its nuances is crucial for every driver.

Breaking Down the Basics of Auto Liability Insurance

News Update: Julian Doby explains auto liability insurance in his latest video, emphasizing its importance and intricacies.

Factual Summary: In North Carolina, all drivers are required to carry auto liability insurance. The minimum limits for bodily injury are $30,000 per person and $60,000 per accident. For property damage, the minimum is $25,000. While these are the state-mandated minimums, drivers can purchase higher coverage amounts for better protection.

Key Points:

  1. Bodily Injury Coverage: This covers medical expenses and pain and suffering for injuries caused in a car accident. The state minimum is $30,000 per person and $60,000 per accident.
  2. Property Damage Liability: This covers the cost of repairing another person’s vehicle or property if you’re at fault in an accident. The minimum limit is $25,000.
  3. Uninsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who has no insurance. It matches the bodily injury policy limits (minimum $30,000/$60,000).
  4. Underinsured Motorist Coverage: Optional coverage that kicks in if the at-fault driver’s insurance isn’t sufficient to cover your damages. Higher limits, like $100,000/$300,000, or an umbrella policy are recommended.
  5. Medical Payments Coverage (Med Pay): Pays for your medical bills up to a certain amount, regardless of fault. It’s advisable to have this coverage even if you have health insurance.
  6. Collision Coverage: Covers damages from collisions with another vehicle or object.
  7. Comprehensive Coverage: Covers non-collision-related losses like theft, vandalism, fire, natural disasters, and floods.
  8. Gap Insurance: Covers the difference between the vehicle’s actual cash value and the amount still owed on financing.
  9. Towing and Labor Coverage: Provides coverage for towing and labor costs.
  10. Rental Car Reimbursement: Covers the cost of a rental car if your vehicle is being repaired due to an accident.

Julian Doby’s Insights

Julian Doby emphasizes the importance of understanding these various coverages to ensure adequate protection. He advises considering higher coverage limits and additional optional coverages like Med Pay, collision, comprehensive, gap insurance, and rental car reimbursement for better financial protection in the event of an accident.

For those with specific questions about their coverage needs, Julian suggests consulting with experienced insurance agents like Rob Potter, who has been a trusted advisor in Southport for over 26 years.


Understanding the different aspects of automobile liability insurance can help you make informed decisions and ensure you’re adequately protected. Julian Doby’s advice underscores the importance of reviewing and potentially increasing your coverage limits, as well as considering optional coverages to fill any gaps.

For personalized legal advice on automobile liability insurance or if you need a personal injury attorney, contact Julian Doby for guidance.