Understanding Your North Carolina Auto Policy

If you’re like most North Carolinian’s, you have an auto insurance policy. Do you know what coverage you are currently paying for? The State of North Carolina requires that all drivers have Liability Coverage that will pay for a variety of items.  For instance, these items include medical bills, legal settlements, and auto repairs.  Liability Coverage pays for damaged items that are the result when you are at fault in an accident. Cheap car insurance is appealing. However, have you considered if Liability Coverage is enough to protect you and your family?

We believe you will likely want to consider adding additional coverage:

This type of coverage pays for any damage to your vehicle resulting from a collision with another car or object. Collision coverage pays for damage regardless of who is at fault. Deductibles vary with this type of plan. It is important to get advice from an agent about what deductible will be best for you. An agent will guide you to the perfect plan and deductible because of their knowledge and training. 


This type of insurance pays for damages to your auto by things other than a collision. Examples of damages are theft, fire, falling objects, vandalism. Accidents with deer and other animals are also covered with Comprehensive Coverage. This is a common occurrence on the roads of North Carolina during certain times of the year. Pay special attention to the road especially at night. Comprehensive Coverage also includes broken and cracked windshields.  A well-informed insurance agent will explain these circumstances to you. Don’t be afraid to ask questions!

Uninsured and Underinsured Coverage

This coverage protects you if you are involved in an accident with another party that does not have or have enough insurance to cover your auto and medical needs. A expert agent will advise you about these issues.  The Agent will assist you through the entire process. This is an important issue. A recent study shows that in North Carolina the number of uninsured drivers is around 10%. It is alarming to think that this many residents are driving without this coverage.  The key is to make sure you have the coverage that would protect you in this situation.

Medical Payments or Personal Injury Protection

Medical Treatments are covered for the policy holder and passengers in the vehicle during an auto accident. In fact, treatments are covered regardless of who’s fault the accident was. After any accident, seek medical treatment if you need it. Our team wants you to stay safe and healthy. Some times seeking medical treatment is the best route.

What is a Declaration Page?

What is a Declaration page? An easy way to see what is included in your current car insurance policy is to take a look at the declaration page. This is on the very first page of your policy. Find it and look at it today. You may have a paper copy. Chances are you can find this information online by logging onto your insurance company’s website. The Declaration page will provide you with a lot of information.

This information includes your policy numbers, names of insured people on the policy, coverage and deductible information. Similarly, any driver’s discounts that you are currently receiving are listed with your rates. Do not be afraid to compare car insurance in order to make sure you are protected.  It is smart to do your research. Comparing car insurance plans is a great idea to see what other products are available in your area. Most likely, you will need the Declaration page when you are shopping for auto insurance quotes. Having this information will assist the agent, in doing a reliable quote for you.  I’s a great tool to know about.

Our knowledgeable North Carolina agent’s can walk you through the process of picking a car insurance plan that’s perfect for your situation. This decision is much more involved than simply comparing car insurance rates. It is important to discuss coverage and which deductibles will work with your needs and budget. Auto Insurance is a tricky topic and we are here to help. Give us a call today and we can get you a car insurance quote. Call us at 919-285-4732. We are ready to be the agent that is by your side every step of the way.


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