North Carolina implemented sweeping changes to its auto insurance requirements on July 1,  2025, the most substantial update to the state’s insurance laws in decades. These reforms are a positive step forward for accident victims.
 2025, the most substantial update to the state’s insurance laws in decades. These reforms are a positive step forward for accident victims.
The changes raised minimum coverage requirements, made underinsured motorist protection mandatory, and eliminated the liability setoff rule that previously capped recoveries for injured drivers.
For accident victims with NC-issued policies, the reforms can mean substantially higher compensation after a crash.
 
  
 






 essential safety steps, evidence collection, reporting requirements, medical care, insurance considerations, common pitfalls, and when you should consider consulting a lawyer.
 essential safety steps, evidence collection, reporting requirements, medical care, insurance considerations, common pitfalls, and when you should consider consulting a lawyer. driving. This seemingly innocuous habit has become a leading cause of accidents on our state’s roads, endangering drivers, passengers, pedestrians, and other motorists alike.
 driving. This seemingly innocuous habit has become a leading cause of accidents on our state’s roads, endangering drivers, passengers, pedestrians, and other motorists alike. with an eye towards safety and responsibility.
 with an eye towards safety and responsibility.



 . You’re not alone!
. You’re not alone! who hit you even apologized afterward, saying, “It’s all my fault.  I wasn’t paying attention. I’m so sorry.”
 who hit you even apologized afterward, saying, “It’s all my fault.  I wasn’t paying attention. I’m so sorry.”