This office lease clause describes the allocation of risks. The parties desire to allocate certain risks of personal injury, bodily injury or property damage, and risks of loss of real or personal property by reason of fire, explosion or other casualty, and to provide for the responsibility for insuring those risks as permitted by law.
North Carolina No Fault Clause
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Multi-State
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US-OL25072
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FAQ
No, North Carolina is not a no-fault state for auto insurance. North Carolina is an "at-fault" or "tort" state, which means the person who is at fault for a car accident is responsible for paying for other people's injuries and property damage resulting from the accident.
No. North Carolina is not considered a ?no-fault? state when it comes to car accidents. North Carolina is an at-fault state, which means that the insurance company of the at-fault driver bears the primary responsibility for paying for your medical costs, lost wages, and other damages.
North Carolina is a fault state. This means that if you were in a car accident, you may hold the party that caused the collision responsible for your damages.
How will a company determine who is at fault? The insurance adjuster investigating the accident will attempt to determine who is negligent or at-fault. North Carolina Contributory Negligence Law bars a driver from collecting damages if determined to be partially at fault.
Unfortunately, it is possible if you are sued for damages, the court finds you at fault for the car accident, and the damages exceed the value of your home.
In North Carolina, you may be entitled to file an uninsured motorist coverage (UM) claim with your own car insurance company once you have confirmed the at-fault driver doesn't carry liability insurance or following a hit-and-run accident when you've undertaken reasonable efforts to locate the driver.