Auto Insurance
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Auto Insurance Information
Auto insurance is mandatory coverage for vehicle owners and finding the right policy is essential before hitting the road. Auto insurance can provide financial protection against accidents that might be difficult to cover out-of-pocket.
What Does Auto Insurance Cover?
Policies vary depending on factors such as your car model and claims history. However, standard auto insurance tends to include the following coverages:
- Liability insurance helps insure against claims arising from damage or injuries you cause to others if you are at fault in a wreck.
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Bodily injury liability coverage helps pay medical bills and other expenses.
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Property damage liability helps pay for damage to the other driver’s property, such as their car.
- Collision insurance helps cover damage to your vehicle after a wreck.
- Comprehensive insurance helps pay for non-accident mishaps, such as weather damage.
- Medical payments (MedPay) coverage helps pay for your medical bills and those of your passengers, regardless of who is at fault for the accident.
- Uninsured/underinsured insurance helps insure you against damage caused by someone else who doesn’t have appropriate liability coverage.
How Much Auto Insurance Do You Need?
North Carolina Motor Vehicle Law requires car owners to maintain liability coverage. However, limiting yourself to just liability coverage can leave your car vulnerable to various incidents, such as vandalism and burglaries. The agents at Jones-Byrd Insurance Agency can help you learn more about the right coverages for you and your car.
State Minimum Auto Insurance Coverage May Not Provide Enough Protection
Drivers may choose to purchase only their state’s minimum amount of required auto insurance coverage. Understanding the limitations of this basic coverage can help you make a more informed decision as you choose the appropriate car insurance coverage.
State minimum auto insurance coverage is designed to meet the legal requirements for driving in your state. In most states, it includes liability coverage, which can pay for property damage and injuries you cause to others in an accident. While this may seem sufficient, it often leaves significant gaps in your protection. If you are at fault in a severe accident, medical bills and property damage costs can quickly exceed your liability coverage limits. In such cases, you could be held responsible for the remaining expenses, risking your financial stability.
State minimum coverage does not include coverage for your vehicle. If you are involved in an accident, whether it’s a collision with another car or a single-vehicle incident like hitting a tree, the repair or replacement costs must be paid out of pocket. This can be a substantial financial burden.
Contact your insurance agent for personalized advice and to ensure you have the best protection for your needs.
Learn More
We can assist you if you are a car owner near Dunn, North Carolina. The experienced agents at Jones-Byrd Insurance Agency can help you evaluate potential auto insurance policies to help you decide on the right coverage for your vehicle.
Learn more by contacting our agency today at 910-892-3440.
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