Medical payments provision, med pay, no fault coverage for everyone in the vehicle or family member living under the same roof. Liability, what someone owes you from their insurance or you owe them if at fault for MVA. Your insurance policy has liability coverage which is how much coverage you bought if you screw up and cause harm, any amounts owed above that are your responsibility.
North Carolina Premise Liability
Premises Liability: This has to do with the liability owed to others on property. ...