NORTH CAROLINA AUTO INSURANCE GUIDE
Who Is an Insured Under North Carolina Auto Insurance?
Insured status can differ by coverage. Liability, UM/UIM, MedPay and other policy parts may define insured persons differently.
- Named insureds and resident relatives.
- Permissive users and occupants.
- Persons protected by UM/UIM provisions.
- Employer, commercial, rental and rideshare insured definitions.
Publication review note — September 17, 2026. Verify the actual policy and current North Carolina statutes and case law before publication.
VictimsGuide 