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North Carolina Auto Insurance Laws Required Minimum Bodily Injury Coverage $30,000 per person injured in any one accident and $60,000 for all persons injured in any one accident. Required Minimum Property Damage Coverage $25,000 for injury to or destruction of property of others in any one accident. Optional Insurance Coverage Uninsured Motorist (UM) Coverage. If purchased, this coverage cannot be less than the amount of bodily injury coverage purchased, nor can it exceed $1 million. Underinsured Motorist (UIM) Coverage. This coverage is only offered to those who purchase more than the required minimum amount of bodily injury liability coverage and who buy UM coverage. UIM coverage cannot be less than the required bodily injury liability coverage, nor can it exceed $1 million.
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