Our experienced agents are will assist you in obtaining the coverage best suited for your situation. Whether you just want the minimum state required, or a customized package of protection, we can do it at an affordable cost.
Mandatory Coverage in North Carolina
Bodily Injury Liability ($30,000 per person and $60,000 aggregate): This insurance pays for medical expenses that you are liable for in the event of an at-fault accident and is required under North Carolina law.
Property Damage Liability ($25,000 per accident): If you or another insured driver is in an at-fault accident, your Property Damage Liability will pay to repair or replace the other person’s vehicle or property. This coverage is also required under North Carolina law.
Optional Coverages in North Carolina
- Medical Payments: This coverage will pay for your injuries as well as the injuries of passengers in your vehicle, no matter who’s at fault in an accident. You also have the option to select a limit of coverage that fits in your budget.
- Uninsured Motorist Bodily Injury: This coverage pays if you are injured by another driver who is uninsured or underinsured in an accident. Nationally, 1 in 7 drivers do not carry state their state’s required coverage, so this coverage offers more protection for you and your passengers.
- Uninsured Motorist Property Damage: This optional coverage pays if your vehicle is damaged by another driver who is uninsured or underinsured, or if you are in a hit and run accident.
- Comprehensive: This provides coverage if your vehicle is damaged for reasons other than an accident, such as vandalism or theft. You have the option to select a deductible between $250-$1000.
- Collision: Collision coverage pays for repairs or replacement of your vehicle in the event of an at-fault accident. You can select a deductible to meet your needs and save money ($250-$1000)
- Rental Reimbursement: This coverage pays a per diem reimbursement for a rental vehicle if your vehicle is under repair or needs to be replaced after an at-fault accident.
- Roadside Assistance: This optional coverage reimburses the policyholder if a tow truck or roadside assistance is needed due to a vehicle breakdown.
A non-owners insurance policy generally provides the same coverage as a standard insurance policy without the comprehensive or collision benefit, or rental reimbursement and roadside assistance.
- If you have regular access to a car, such as a neighbor’s or family member’s, and they have listed you as a driver on their policy.
- If you live with your parents and use their vehicles, their insurance company will require that you are listed as a driver on their policy.