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The mandatory coverages on an automobile policy include bodily injury and property damage. In North Carolina, uninsured motorist is also included, however, a person may reject this coverage only if they sign a special form refusing such coverage. Optional coverages include medical payments, comprehensive (fire and theft), and collision.
Bodily Injury and Property Damage are intended to compensate people injured due to the negligence of the insured.
If you were injured in an automobile accident due to the negligence of another driver, your claim will be against the bodily injury and property damage portions of their auto policy.
Medical Payments is an optional coverage that can help pay your medical bills following an accident, even though another party will ultimately be responsible.
Uninsured motorist is often combined with underinsured motorist coverage. If you are injured in an automobile accident, and the person that caused the wreck is uninsured, your claim will be against the uninsured motorist provision of your personal auto policy. If the person who caused the wreck has insurance, but the bodily injury limit is less than the uninsured motorist limit on your personal auto policy, your claim will be against the uninsured motorist provision of your personal auto policy.
The collision coverage on your personal auto policy will compensate you for damages to your car regardless of who is at fault. If your personal auto policy pays for the damage to your car under your collision coverage but there is someone else at fault, your insurance company will be reimbursed by the at fault party.