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Car Insurance is Required in North Carolina
As a responsible driver in North Carolina, it is crucial to understand the specific problems that can arise and the importance of having adequate auto insurance coverage.

Unknown Facts About Auto Insurance in NC
North Carolina has one of the highest rates of uninsured motorists in the United States. According to a study conducted by the Insurance Information Institute (III) in 2019, approximately 6.5% of drivers in North Carolina were uninsured. This rate is significantly higher than the national average of 12.6%. With so many uninsured drivers on the road, the chances of being involved in an accident with an uninsured motorist are relatively high. Having uninsured/underinsured motorist coverage as part of your auto insurance policy can help protect you financially in such cases.
Another issue that North Carolina drivers face is the prevalence of distracted driving. According to the North Carolina Department of Transportation (NCDOT), distracted driving was a contributing factor in 8,328 crashes in 2019. Auto insurance can help protect drivers financially in case of accidents caused by distracted driving, as well as provide liability coverage in case the driver is at fault.

What’s Auto Insurance For, Anyway?
North Carolina's unique climate can also pose a challenge for drivers. With heavy rainfall and flooding being common occurrences in the state, drivers need to be prepared for the potential damages caused by such weather events. Comprehensive coverage as part of your auto insurance policy can help protect you against weather-related damages to your vehicle.
Lastly, North Carolina's urban areas can be particularly challenging for drivers, with high traffic volume and the prevalence of aggressive driving. As per the NCDOT, there were 266,310 reported crashes in urban areas in 2019. Auto insurance coverage can provide financial protection against potential damages caused by accidents in high-traffic areas.

Auto insurance: required and additional protection
Insurance protects you and your assets in case of loss, injury or damage; either caused by you, or by someone else. Auto insurance usually consists of the following protections:
- Liability
- Collision
- Comprehensive
But additional protection may include:
- Medical Payments.
- Emergency Road Service
- Uninsured Motorist Protection.

Why We're Different
Auto insurance is of paramount importance for drivers in North Carolina. With a higher than average rate of uninsured motorists, distracted driving, severe weather, and challenging urban driving conditions, having proper auto insurance coverage is essential to protect yourself and others on the road. Don't leave your financial well-being to chance; ensure you have adequate auto insurance coverage to address the specific problems faced by North Carolina drivers by contacting Walker Insurance.