For North Carolina PI lawyers, the auto insurance landscape will change dramatically on July 1, 2025. Christopher Nichols, NCAJ’s Governmental Affairs Consultant, lays out the new rules of the road with host Amber Nimocks.

Relying on his deep understanding of recent changes to the law, including Senate Bill 319, which was passed this summer, Chris describes how the law will affect personal injury lawyers and their clients. He offers a look into what’s in store come next July, starting with new minimum limits on a rolling basis.

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[03:49] Senate Bill 319: This bill represents technical corrections to SB 452, which would change minimum limits in liability insurance in North Carolina starting in January 2025. Plaintiffs’ personal injury lawyers were “hyped and excited” about 452. Then, things started to happen…

[06:04 ] “Stack and Compare”: For nearly three decades, plaintiffs’ lawyers would “stack and compare” all possible uninsured motorist policies with the liability policy to determine the offset. SB 319 codified that practice, clearing up confusion that followed the N.C. Supreme Court decision in Farm Bureau v. Hebert this spring.

[08:21 ] The Frankenstein Statute: SB 319’s drafters collaborated with the insurance industry to update the definition of underinsurance, dubbed the “Frankenstein Statute” because it’s a creation built by many stakeholders who have changed text in one document over time.

[09:53] July 2025: The corrections reflected in SB 319 go into effect, including this one: Every driver will have $100,000 in coverage, assuming somebody else has liability insurance.

[19:22] The Impact of Raising the Minimum: Hint: It doesn’t mean more car accidents. It just means more coverage.

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