There are several states in the US that have "no-fault" laws. This means that in the event of a car accident, both drivers' insurance companies will pay out damages, regardless of who was at fault. North Carolina is one of these states.
There are a few key things to know about North Carolina's no-fault laws. First, both drivers' insurance companies will pay out damages, regardless of who was at fault. This is known as "liability" coverage.
Second, drivers are not allowed to sue each other for damages, unless the injuries are very serious. This is known as the "liability cap" or "damage cap." The damage cap in North Carolina is $30,000 per person, $60,000 per accident.
Third, drivers are not allowed to file a claim with their own insurance company if they are injured in an accident. This is known as the "medical payments" coverage.
Finally, drivers are not allowed to file a claim with their own insurance company if their car is damaged in an accident. This is known as the "collision" coverage.