If you’re involved in a car accident in North Carolina, it’s important to understand how the state determines fault. North Carolina follows an “at-fault” system, meaning the person who causes the accident is financially responsible for damages. This system outlines how liability works and how insurance comes into play.
How does North Carolina’s at-fault system work?
In an at-fault system, the person responsible for the accident must cover the damages. That includes vehicle repairs, medical bills, and other related expenses. If the other driver is at fault, your insurance company can seek compensation from theirs. If you’re at fault, your own insurance will cover the costs.
After an accident, police officers usually investigate and file reports to determine fault. Insurance companies review these reports and other evidence to assign blame. In some cases, both drivers may share responsibility, leading to a shared fault situation.
What is comparative negligence?
North Carolina follows comparative negligence. If you’re partially at fault, you can still seek compensation, but your payout will be reduced based on your share of responsibility. For example, if you’re 30% at fault, you’ll only recover 70% of the damages.
Gathering evidence after an accident is important. This can include witness statements, photos, and police reports to clarify your involvement and protect your rights.
How does insurance play a role in at-fault accidents?
Car insurance in North Carolina works by having the person at fault rely on their liability insurance to cover damages. If you carry full coverage, your insurance helps pay for repairs and medical bills. If the other driver is at fault, their insurance covers your expenses.
Most drivers in North Carolina have at least the minimum required insurance, but it may not cover all the costs. Consider additional coverage to stay fully protected.
