Auto Insurance
Auto insurance is designed to help provide financial protection and peace of mind in the event of accidents, theft or other incidents. In North Carolina, having the right coverage is required by law.
Contact Alan Insurance Services in Raleigh, North Carolina, to determine which coverage options may meet your needs.
Is Auto Insurance Required?
All North Carolina drivers must maintain minimum amounts of liability insurance. The state also requires uninsured/underinsured motorist coverage. These policies pay only up to their dollar limits, so your agent may recommend purchasing more coverage.
Without adequate coverage, you may be personally responsible for medical bills, property repairs and legal fees that can quickly accumulate after an accident.
Drivers must carry specific minimum coverage amounts to comply with North Carolina’s auto insurance laws. These requirements include:
- Liability coverage may help pay for property damage and injuries to others if you are at fault in an accident.
- Uninsured/underinsured motorist coverage may help pay for your injuries and damage to your vehicle if you are involved in an accident with a driver who has insufficient insurance coverage or is uninsured. The minimum coverage limits in North Carolina are the same as the liability coverage requirements.
If you finance or lease your vehicle, the lienholder typically requires full coverage insurance, which may include collision, comprehensive and guaranteed asset protection (GAP) insurance.
Additional Auto Insurance Coverage Options
While meeting the minimum coverage requirements is essential, many drivers go beyond these limits to enhance their protection. Consider the following additional coverage options when selecting your auto insurance policy in North Carolina:
- Collision coverage may help pay for repairs or replace your vehicle if it is damaged in a collision.
- Comprehensive coverage may help pay for repairs or replacement of your vehicle after non-collision events, such as theft, vandalism, fire or natural disasters.
- Medical payments coverage (MedPay) may help cover accident-related medical expenses for you and your passengers.
- Rental reimbursement coverage may help pay for renting a vehicle while your car is being repaired due to a covered claim. This coverage can be invaluable in helping you maintain your daily routine when your car is not drivable.
- Gap insurance may help pay off your financed or leased vehicle if a covered accident or incident renders it a total loss.
Choosing the Right Auto Insurance Policy
When selecting an auto insurance policy in North Carolina, evaluating your specific needs and preferences is essential.
Ask your agent about available discounts, such as safe driver discounts, multi-policy discounts or discounts for safety features in your vehicle. Bundling your auto insurance with other policies may trigger additional savings.
Contact Us
Contact Alan Insurance Services in Raleigh, North Carolina, to compare personalized auto insurance quotes.