Auto insurance helps provide essential coverage if your vehicle is stolen, damaged or involved in an accident. The various types of coverages you can add to your policy may include:
Collision coverage helps cover damage to your vehicle if your vehicle hits, or is hit by, another vehicle or other object. Collision pays to repair your vehicle, minus the deductible you chose.
Comprehensive coverage helps protect your vehicle and sometimes other vehicles you may drive from financial losses from an incident other than a collision, such as if your vehicle is stolen or damaged by a covered loss (e.g., falling object or fire).
Liability coverage can provide financial protection for you and other covered drivers if you cause third-party injuries or property damage in an accident. Most states, including North Carolina, require drivers to carry a minimum amount of liability coverage. Typically, there are two components to liability coverage:
Bodily injury liability covers injuries that you cause to someone else. These bodily injury claims include medical bills, loss of income and pain and suffering.
Property damage liability covers you or someone driving your vehicle if your vehicle damages someone else’s property. It also includes legal costs if someone decides to sue you after an accident.
Medical payments or personal injury protection covers medical expenses to you and your passengers injured in an accident. This coverage also applies to you or your family members if you are injured while riding in someone else’s vehicle or hit as a pedestrian or while bicycling.
Uninsured and underinsured motorist coverage covers you, a family member or a designated driver if hit by an uninsured or hit-and-run driver. This coverage also protects you as a pedestrian. Depending on the levels of liability coverage you carry, you may also need to carry a minimum amount of uninsured/underinsured motorist coverage under North Carolina law.
ACF Insurance Services can help you find a policy that fulfills the North Carolina minimum insurance requirements and offers you the protection you need.