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.
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.








negligence.
this year? What could be better next year? What do I need out of my life that is causing problems?
Recovery from a bad wreck can involve more than just ER visits, X-rays, doctors, and rehab. If you’ve been suffering through the process, wondering about your lost wages and bills, often the LAST thing you want to think about is litigation. Are lawsuits required?
Retaining an attorney or law firm for legal representation may be an important first step in settling a claim for damages. Establishing the attorney-client relationship may seem a bit overwhelming to start. Knowing what to expect at the first office visit is a good place to start.

