Reference · North Carolina

North Carolina Department of Insurance - Basic and Miscellaneous Auto Coverages (personal automobile policy)

Publisher: North Carolina Department of Insurance
Edition: undated page
Last checked: 2026-09-29
Status: Publication of the North Carolina Department of Insurance, a state agency

Edition and licensing notes

Publisher. North Carolina Department of Insurance (ncdoi.gov)

Edition. undated page; retrieved 2026-09-29

Status. Publication of the North Carolina Department of Insurance, a state agency.

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What this document is

North Carolina Department of Insurance - Basic and Miscellaneous Auto Coverages (personal automobile policy) is a reference published by North Carolina Department of Insurance (ncdoi.gov). It is one of the North Carolina documents that insurance license exam questions are written from, including north carolina property & casualty, north carolina personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

N.C. Department of Insurance, Basic and Miscellaneous Auto Coverages (Uninsured/Underinsured Motorist Coverage)
“Uninsured Motorists (UM) Coverage will provide protection when an uninsured driver, who is at-fault, injures you or another covered individual. It also provides property damage coverage.”
N.C. Department of Insurance, Basic and Miscellaneous Auto Coverages (Uninsured/Underinsured Motorist Coverage, Caution)
“Caution: The insurance company will not provide coverage if you or your legal representative settles the bodily injury or property damage without the company’s written consent.”
N.C. Department of Insurance, Basic and Miscellaneous Auto Coverages (Liability Coverage: Supplementary Payments)
“This coverage is in addition to your stated limits of liability. (Review your policy or contact your agent to identify the limitations and exclusions for this coverage.)”
N.C. Department of Insurance, Basic and Miscellaneous Auto Coverages (Coverage for Damage to your Auto)
“This coverage is for direct and accidental loss to your covered automobile, or any non-owned automobile that meets the following definition: any private passenger automobile or trailer not owned by or furnished or available for the regular use of you or any family member while in the custody of or...”
N.C. Department of Insurance, Basic and Miscellaneous Auto Coverages (Extended Transportation Expenses Coverage)
“This coverage can pay, up to a specified rate and maximum total amount, transportation expenses incurred by you or loss of use expenses for a non-owned vehicle for which you become legally responsible.”
North Carolina Department of Insurance, Basic and Miscellaneous Auto Coverages (web page), Coverage for Damage to your Auto
“any non-owned automobile that meets the following definition: any private passenger automobile or trailer not owned by or furnished or available for the regular use of you or any family member while in the custody of or being operated by you or any family member;”
North Carolina Department of Insurance, Basic and Miscellaneous Auto Coverages (web page), Liability Coverage
“The Personal Automobile Policy will cover you or any family member while using any automobile or trailer, and any person using your covered automobile with permission.”
North Carolina Department of Insurance, Basic and Miscellaneous Auto Coverages (web page), Extended Transportation Expenses Coverage (Rental Reimbursement)
“This endorsement can be purchased in addition to your basic automobile coverages. This coverage can pay, up to a specified rate and maximum total amount, transportation expenses incurred by you or loss of use expenses for a non-owned vehicle for which you become legally responsible.”
North Carolina Department of Insurance, Basic and Miscellaneous Auto Coverages, "Liability Coverage" (Supplementary Payments)
“This coverage is in addition to your stated limits of liability.”
North Carolina Department of Insurance, Basic and Miscellaneous Auto Coverages, "Liability Coverage" (Supplementary Payments list)
“Loss of earnings because of attendance at hearings or trials at the insurance company’s request”
North Carolina Department of Insurance, Basic and Miscellaneous Auto Coverages page, Liability Coverage (split limits)
“Under this coverage you will have separate limits of liability per person injured and limits of liability per accident. This is called split limits. For example, you may have limits of 100/300/50. This would mean that your policy would pay up to a maximum of $100,000 to any one person injured by a...”
North Carolina Department of Insurance, Basic and Miscellaneous Auto Coverages (undated page retrieved 2026-09-29), Medical Payments Coverage
“Individuals covered under this coverage include: You or any family member while occupying any automobile, or as a pedestrian when struck by a motor vehicle; or Any other person while occupying your covered automobile or any vehicle (private passenger automobile or trailer licensed for road use)...”

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Questions about this source

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