Car Accident

A car wreck around Five Points, on the beltline, or in a nearby Triangle town is usually an ordinary North Carolina liability claim. The first useful steps are getting medical care, requesting the crash report, a look at the declarations page for any medical-payments coverage you actually bought, and a date list that marks the three-year filing window set out in G.S. 1-52(16).

Ordinary auto floors for policies issued or renewed from July 1, 2025 are fifty, one hundred, and fifty thousand dollars under G.S. 20-279.21. If those floors are too low, household uninsured or underinsured coverage may be the next policy that can still pay the difference. Contributory negligence can end the liability claim if a share of fault is proved, which is why first-party coverage belongs in the same conversation. The first-week, deadline, floors, and uninsured-motorist guides walk through those pieces at greater length.