Drive with Auto Insurance and Peace of Mind
If you can drive it, you need to insure it. North Carolina requires liability insurance that provides at least $30,000 bodily injury coverage for each person, $60,000 total bodily injury for all persons in an accident, and $25,000 for property damage. But keep in mind, if you were found negligent, your financial responsibility could greatly exceed these minimums. It’s not a bad idea to mirror your liability limits with your total financial assets, just to be safe, in case you’re involved in an at-fault collision.
Auto insurance coverage typically includes:
Liability
- Physical Damage (Comprehensive and/or Collision)
- Towing
- Rental Reimbursement
Physical damage coverage (comprehensive and/or collision) protects your automobile if there’s a loss, while liability protects other motorists on the road should you have an accident involving them. Uninsured motorist coverage (UM) is required in North Carolina. UM coverage is intended to provide payments if you are in an accident caused by a driver who does not have liability insurance. This policy can also cover hit-and-run accidents.
Comprehensive insurance protects you if you have an accident that doesn’t involve another car or if your car is vandalized, stolen, or damaged by a covered act of nature. Hurricanes, floods, windshield damage, and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive insurance will pay up to the fair market value of your car, minus your insurance deductible.
There’s a lot to consider when deciding on the best car insurance. You need to look at your budget, the value of your vehicle, and if you would be able to repair or replace it should something unexpected happen. We are here to steer you in the right direction and get you back on the road as soon as possible.
Drive with Auto Insurance and Peace of Mind
If you can drive it, you need to insure it. North Carolina requires liability insurance that provides at least $30,000 bodily injury coverage for each person, $60,000 total bodily injury for all persons in an accident, and $25,000 for property damage. But keep in mind, if you were found negligent, your financial responsibility could greatly exceed these minimums. It’s not a bad idea to mirror your liability limits with your total financial assets, just to be safe, in case you’re involved in an at-fault collision.
Auto insurance coverage typically includes:
Liability
- Physical Damage (Comprehensive and/or Collision)
- Towing
- Rental Reimbursement
Physical damage coverage (comprehensive and/or collision) protects your automobile if there’s a loss, while liability protects other motorists on the road should you have an accident involving them. Uninsured motorist coverage (UM) is required in North Carolina. UM coverage is intended to provide payments if you are in an accident caused by a driver who does not have liability insurance. This policy can also cover hit-and-run accidents.
Comprehensive insurance protects you if you have an accident that doesn’t involve another car or if your car is vandalized, stolen, or damaged by a covered act of nature. Hurricanes, floods, windshield damage, and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive insurance will pay up to the fair market value of your car, minus your insurance deductible.
There’s a lot to consider when deciding on the best car insurance. You need to look at your budget, the value of your vehicle, and if you would be able to repair or replace it should something unexpected happen. We are here to steer you in the right direction and get you back on the road as soon as possible.