North Carolina Is an At-Fault Car Insurance State
When it comes to determining fault after a car accident, states follow either a no-fault or an at-fault policy. With the no-fault system, victims can file claims with their insurance companies after an accident whether or not they caused the crash to seek compensation for their medical bills, lost wages and rehabilitation costs. The tradeoff, however, is that no-fault auto insurance policies limit the ability to sue for noneconomic damages like pain and suffering. This could leave you in a difficult situation after a serious collision.
North Carolina is a fault-based (or tort liability) state. This means that a victim’s award of damages can be for reimbursement of medical expenses reasonably incurred, can sue for economic damages like lost wages and noneconomic damages like physical pain and emotional suffering and scarring.
If you live in North Carolina and have been injured in a car accident caused by another person’s negligence, the state’s car insurance laws allow you to seek compensation for a wide range of injuries. Contact a knowledgeable auto accident attorney to learn more about your legal options.