The following coverage is required by the state of North Carolina to legally operate a motor vehicle:
- Bodily injury liability coverage: Minimum legal requirement $30,000 per person and $60,000 per accident
- Property damage liability coverage: Minimum legal requirement $25,000
- Uninsured motorist bodily injury: Minimum legal requirement $30,000 per person and $60,000 per accident
- Uninsured motorist property damage: Minimum legal requirement $25,000
- Underinsured motorist bodily injury (optional): Usually starting at $30,000 per person and $60,000 per accident