Worry-free Cruising

When your vehicle is insured properly, that is one less worry on your plate because you know if something happens, you are covered. But when you are riding around without the proper coverage, you are probably cringing every time you are out and about. In North Carolina, you are required to have Liability Insurance as long as you have a tag registered to your vehicle. To drop your Liability Insurance, you first need to turn the tag in to your local DMV, otherwise you will be fined up to $150 per vehicle.

Liability Insurance

Liability Insurance covers you as a driver in the way that if you cause an accident, your insurance company will pay the damages to the vehicles or property you hit, up to the amount of your coverage minus the deductible.  If you did not have this protection and caused an accident or an injury, the driver you hit or the owner of the property you hurt could go after you in court to pay the damages yourself.  This coverage pays nothing for your own vehicle if you cause an accident.

Full Coverage Insurance

Full Coverage Insurance covers your vehicle, and any other vehicles and property in an accident you cause, up to the amount of your coverage minus the deductible. This coverage has two parts: Comprehensive and Collision.  It does not automatically include Towing, Rental, Medical Payments, or any other option….these are Additional Coverages that you can request.

Comprehensive (aka Other Than Collision) – includes damage to your vehicle from fire, theft, contact with an animal, glass breakage, windstorm, hail, flood, falling objects or vandalism.

Collision – includes damage to your vehicle from a collision that you caused.

It is important to note that if another driver is responsible for a collision which you are involved in, then their insurance company should pay – not yours!  Be sure and call the police, get photos, and the other driver’s information.

We also write golf cart polices, watercraft, motorhomes, ATV’s and RV’s!  Contact us for more information!