It's about time!
Effective 1/1/09, all NC auto insurance policies are required to carry Uninsured +/or Underinsured Motorist (UM/UIM) coverage. It was part of NC HB 738.
What does this mean to you and me?
Whatever your current Bodily Injury and Property Damage limits are on your auto insurance, your UM/UIM coverage must now meet or exceed those limits. You're being required to protect yourself (um/uim) to the same degree that you're protecting others (liability).
If you weren't carrying um/uim before, you must carry it now. You insurance carrier will automatically add it or increase it to match your liability limits. And no, they don't need your approval or your signature. Additionally, the cost of the UM/UIM coverage will go up as well.
I think this change is long overdue since as many as 1 in 5 North Carolinians drive without insurance.
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NC Home and Auto Insurance. I serve Raleigh, Cary, Chapel Hill and surrounding communities in North Carolina. I also offer renter's, landlord, mobilehome, townhouse, condo and auto insurance. 27519
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