Auto Insurance

Auto insurance is vital not only for protection against theft and damage but also for liability, property damage, or injury to others caused by you and other members of your household as a result of operating a motor vehicle. Liability insurance covers things you might be legally liable for, such as bodily injury to others due to a covered accident, as well as pain and suffering, and damages to another person’s car.  

There are a variety of options for auto insurance. We are pleased to help you sort out property damage, liability, and other car insurance policy features such as medical payment reimbursement. (Medical payments coverage will pay certain medical bills for you or passengers if injured in a covered accident in your car.) Some of the options for auto insurance include the following:  

Uninsured Motorist Coverage Uninsured motorist coverage offers you bodily injury coverage in the event that you’re in an accident with someone who doesn’t have insurance. It also covers bodily injuries if you or your passengers are injured by a hit-and-run driver. It even covers you if you’re in an accident while on foot. Likewise, underinsured motorist coverage will fill in the gaps if the other driver doesn’t have enough car insurance to cover your losses. Both provide coverage for you or your passengers in a covered accident.  

Comprehensive and Collision Comprehensive and collision coverage help to pay for damage to your car. If you require a rental car or other transportation due to your car’s damage after an accident, this is called “Basic Loss of Use,” or “Rental Reimbursement.”  

Personal Injury Coverage Personal injury coverage is not available in all states, but it is an optional addendum in North Carolina. It pays in the event of a covered loss of services, loss of income suffered by you, your covered passengers, or covered family members; it also pays in the event of a covered injury or death.  

Some situations call for special customization to your policy such as business use of your vehicle, custom audio equipment, teenage or guest drivers, as well as other situations. This is where our value as an independent insurance agent really makes a difference. We represent multiple top-rated car insurance companies which enables us to provide you with the most competitive quotes and help you to navigate through the many options to locate the best policy for you and your family.

Auto Insurance FAQs

It covers you and your vehicle as well as others involved in an accident.

You may include other members of your household provided everyone lives at the same address.

Below are some auto insurance discounts that can help you lower your premium:

  • Deductible
  • Safe Driver
  • Safety Equipment
  • Homeowner Credit
  • Safety Features

Yes! There is Property Damage Liability, Comprehensive, Collision, Bodily Liability, Uninsured, and Underinsured.

If you have been dishonest about your driving history, you are committing "soft fraud," and the DMV will report this. Your insurance company can deny you services and cancel your policy.

Yes, in every state of the U.S., it is mandatory to have auto insurance.

Should you be involved in an accident and you are uninsured, you risk getting sued, possibly losing your life's savings, and potentially serving time in jail.