10/13/2026
Senate Bill 452 changed something in North Carolina that almost nobody is talking about.
Underinsured motorist (UIM) coverage is what steps in when the at-fault driver's policy is not enough to cover what they did to you. Insurers used to be able to reduce a UIM payout by subtracting whatever the at-fault driver's insurer already paid. That offset has been eliminated.
The same law also raised North Carolina's minimum liability limits to 50/100/50, the first increase since 1999.
For seriously injured people, the change to UIM is the more significant of the two.