Raleigh car accident attorney Brent Adams explains the minimum liability insurance requirements in North Carolina and how this legal requirement may affect the outcome of injured persons after a vehicle collision. How much Liability insurance should you have? You should purchase as much liability insurance as you can afford. Medical bills are expensive and you never know the damage that could be done. You could owe someone you do not know thousands of dollars because of one careless mistake. Call your insurance company if you think you need more liability insurance coverage. You might be surprised to find out how affordable a one million dollar policy could cost.