The eight coverages most drivers see on an auto policy — what each one pays for, and why it matters for NC, SC, and MI drivers.
Minimum bodily injury and property damage limits required for auto policies in the states we serve. Higher limits are available and often recommended.
| State | Bodily injury (per person / per accident) | Property damage (per accident) |
|---|---|---|
| NC | $50,000 / $100,000 | $50,000 |
| SC | $25,000 / $50,000 | $25,000 |
| MI | $50,000 / $100,000 | $10,000 |
NC minimums apply to policies issued or renewed on or after July 1, 2025. Michigan property damage liability covers damage to another person's vehicle outside Michigan. Limits, deductibles, and required coverages vary by carrier.
Pays medical bills, lost wages, and legal costs when you injure someone else in an at-fault accident.
Higher limits better protect your savings and home.
Covers damage you cause to another person's vehicle, fence, mailbox, or building.
A single serious crash can exceed minimum limits quickly.
Protects you and your passengers if you're hit by a driver with no insurance or a hit-and-run. In NC, uninsured motorist limits must match your bodily injury liability limits ($50,000 / $100,000 minimum as of July 1, 2025).
Fills the gap when an at-fault driver has insurance, but not enough to cover your medical costs. Especially important on highways where injury claims can run high.
Covers your vehicle for non-crash losses: theft, hail, flood, fire, vandalism, falling trees, and animal strikes. Coastal storms and parking-lot dings — this is the coverage that handles them.
Pays to repair or replace your car after a crash with another vehicle or object, regardless of fault. Lenders usually require it on financed vehicles. You choose the deductible — higher deductible, lower premium.
Pays reasonable medical expenses for you and your passengers after an accident, no matter who was at fault. Optional in NC — helpful for covering copays and deductibles right away.
Covers damage to your vehicle caused by an uninsured driver when you're not at fault. Optional in NC and often carries a deductible — worth considering if you don't carry collision.
Limits, deductibles, and required coverages vary by state and carrier. A licensed FCIB agent can walk you through what fits your vehicle, commute, and budget.
