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20-279.21. "Motor Vehicle Liability Policy" Defined

20-279.21. "Motor vehicle liability policy" defined. (a) A "motor vehicle liability policy" as said term is used in this Article shall mean an owner's or an operator's policy of liability insurance, certified as provided in G.S. 20-279.19 or 20-279.20 as proof of financial responsibility, and issued, except as otherwise provided in G.S. 20-279.20, by an insurance carrier duly authorized to transact business in this State, to or for the benefit of the person named therein as insured. (b) Except as provided in G.S. 20-309(a2), such owner's policy of liability insurance: (1) Shall designate by explicit description or by appropriate reference all motor vehicles with respect to which coverage is thereby to be granted; (2) Shall insure the person named therein and any other person, as insured, using any such motor vehicle or motor vehicles with the express or implied permission of such named insured, or any other persons in lawful possession, against loss from the liability imposed by law for damages arising out of the ownership, maintenance or use of such motor vehicle or motor vehicles within the United States of America or the Dominion of Canada subject to limits exclusive of interest and costs, with respect to each such motor vehicle, as follows: thirty thousand dollars ($30,000) because of bodily injury to or death of one person in any one accident and, subject to said limit for one person, sixty thousand dollars ($60,000) because of bodily injury to or death of two or more persons in any one accident, and twenty-five thousand dollars ($25,000) because of injury to or destruction of property of others in any one accident; and

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No policy of bodily injury liability insurance, covering liability arising out of
the ownership, maintenance, or use of any motor vehicle, shall be delivered or
issued for delivery in this State with respect to any motor vehicle registered or
principally garaged in this State unless coverage is provided therein or
supplemental thereto, under provisions filed with and approved by the
NC General Statutes - Chapter 20 548
Commissioner of Insurance, for the protection of persons insured thereunder
who are legally entitled to recover damages from owners or operators of
uninsured motor vehicles and hit-and-run motor vehicles because of bodily
injury, sickness or disease, including death, resulting therefrom. The limits of
such uninsured motorist bodily injury coverage shall be equal to the highest
limits of bodily injury liability coverage for any one vehicle insured under the
policy; provided, however, that (i) the limits shall not exceed one million dollars
($1,000,000) per person and one million dollars ($1,000,000) per accident
regardless of whether the highest limits of bodily injury liability coverage for
any one vehicle insured under the policy exceed those limits and (ii) a named
insured may purchase greater or lesser limits, except that the limits shall not be
less than the bodily injury liability limits required pursuant to subdivision (2)
of this subsection, and in no event shall an insurer be required by this
subdivision to sell uninsured motorist bodily injury coverage at limits that
exceed one million dollars ($1,000,000) per person and one million dollars
($1,000,000) per accident. When the policy is issued and renewed, the insurer
shall notify the named insured as provided in subsection (m) of this section. The
provisions shall include coverage for the protection of persons insured under
the policy who are legally entitled to recover damages from owners or operators
of uninsured motor vehicles because of injury to or destruction of the property
of such insured. The limits of such uninsured motorist property damage
coverage shall be equal to the highest limits of property damage liability
coverage for any one vehicle insured under the policy; provided, however, that
(i) the limits shall not exceed one million dollars ($1,000,000) per accident
regardless of whether the highest limits of property damage liability coverage
for any one vehicle insured under the policy exceed those limits and (ii) a named
insured may purchase lesser limits, except that the limits shall not be less than
the property damage liability limits required pursuant to subdivision (2) of this
subsection. When the policy is issued and renewed, the insurer shall notify the
named insured as provided in subsection (m) of this section. For uninsured
motorist property damage coverage, the limits purchased by the named insured
shall be subject, for each insured, to an exclusion of the first one hundred dollars
($100.00) of such damages. The provision shall further provide that a written
statement by the liability insurer, whose name appears on the certification of
financial responsibility made by the owner of any vehicle involved in an
accident with the insured, that the other motor vehicle was not covered by
insurance at the time of the accident with the insured shall operate as a prima
facie presumption that the operator of the other motor vehicle was uninsured at
the time of the accident with the insured for the purposes of recovery under this
provision of the insured's liability insurance policy.
If a person who is legally entitled to recover damages from the owner or
operator of an uninsured motor vehicle is an insured under the uninsured
motorist coverage of a policy that insures more than one motor vehicle, that
person shall not be permitted to combine the uninsured motorist limit applicable
to any one motor vehicle with the uninsured motorist limit applicable to any
other motor vehicle to determine the total amount of uninsured motorist
NC General Statutes - Chapter 20 549
coverage available to that person. If a person who is legally entitled to recover
damages from the owner or operator of an uninsured motor vehicle is an insured
under the uninsured motorist coverage of more than one policy, that person may
combine the highest applicable uninsured motorist limit available under each
policy to determine the total amount of uninsured motorist coverage available
to that person. The previous sentence shall apply only to insurance on nonfleet
private passenger motor vehicles as described in G.S. 58-40-10(1) and (2)

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