Covers other people’s bodily injury or property damage for which you are legally liable. The insurance company will settle of defend, as we (the insurance company) consider appropriate, any claim or suit asking for these damages. 

It is mandatory in North Carolina to have minimum limits of $30,000 BI/person; $60,000 BI/accident and $25,000 PD/accident.

This means that if you are at fault in an accident the policy will indemnify up to $30,000 per person and $60,000 per accident for medical expenses occured. $25,000 for property damage. However, if you are at fault for an accident and the medical bills from the injuries or property damage that you cause exceed your limits of liability, you are responsible for the remaining damage, which might put your personal assets at risk.

We recommend increasing your auto liability limits to protect your personal assets.

What limits should you have? Use this calculator * from Travelers to help you find the limits that are right for you.

*This calculator is intended to be used for informational purposes only. Please review and consider all options with your insurance agent before making your coverage decision.

Comprehensive is also known as "other than collision."

A loss caused by the following is considered other than collision:

• Missiles or falling objects
  • Missles are considered flying object. This is not refering to war missles.
• Fire
• Theft or larceny
• Explosion or earthquake
• Windstorm
• Hail, water or flood
• Malicious mischief or vandalism
• Riot or civil commotion
• Contact with bird or animal
• Breakage of glass

Uninsured/Underinsured Motorist coverage is to protect you from other drivers who do not have auto insurance or do not have adaquate insurance limits to cover a loss to your own vehicle. This coverage is for bodily injury and property damage.

This coverage is required by North Carolina state law. 

Medical Payments are for you and your passengers. Med-pay will pay when you or your passengers are injured in a car accident regardless of fault.

Did you know?

•  Med-Pay applies if you are a pedestrian and are struck by a road vehicle.

Towing - Roadside Assistance

• Towing
  Vehicles can be towed to the nearest qualified repair facility.
  
  
• Flat tire change
  Customers do not need to get dirty...we’ll mount the
  spare tire.
  
  
• Battery jump-start
  We’ll jump-start at the scene.
  
  
  
• Emergency fuel and fluid delivery
  If a vehicle runs out of gas or overheats, the roadside service professional will deliver the necessary fluids. Customers pay only for the fuel or fluids. Delivery service is free.
  
  
• Locksmithing
  Our service providers will get customers back in the car and on their way. They only have to pay for the cost of the keys.
  
  
• Reimbursement
  Call the service of your choice and get reimbursed for your roadside assistance.

Rental Reimbursement

Rental Reimbursement is going to reimburse you for a rental car if you experience a covered loss to your auto. Coverage options could include $30 per day with maximum benefit of $900 or $50 per day with a $1,500 maximum benefit. Comprehensive and Collision coverages are required for this coverage.

You may want to consider Rental Reimbursement coverage if you do not have another form of transportation that you could use in the event that your car is being repaired by a covered loss.

Windshield Repairing and Replacing