Coverage type	State requirements
Bodily injury liability Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.	$30,000 limit per person/$60,000 limit per accident
Property damage liability Helps cover expenses related to the damage of another person's property — like vehicles, homes, buildings and other structures — when an accident is your fault.	$25,000 limit
Uninsured motorist Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.	Bodily injury: $30,000 limit per person/$60,000 limit per accident Property damage: $25,000 limit
Underinsured motorist Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have enough liability insurance.	Offered with uninsured motorist coverage
Medical payments If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.	Not required
Collision Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.	Not required¹
Comprehensive Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism.	Not required¹

All coverages are subject to the coverage limits stated in your policy.

¹Although North Carolina law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.