Request a Quote

Auto Insurance

Your independent agent for auto insurance in Fuquay-Varina, NC, offering comprehensive coverage that shields your vehicle against accidents, theft, and damages.

Types of Auto Insurance

Each auto insurance policy comprises various coverage types, and can include a wide range of services and exclusions. While auto insurance regulations vary by state in the United States, the following are general overviews of the most prevalent types of auto insurance coverage

Auto Liability Coverage

Every corner of the United States mandates a minimum auto liability coverage for legal vehicle operation. While this coverage doesn’t handle your personal property damage costs, it does address property damage incurred by others in accidents where you’re at fault. Auto liability insurance extends its protection whether you’re driving your own vehicle or operating another person’s vehicle with their consent.

Auto liability insurance entails two types of coverage: Bodily Injury Liability and Property Damage Liability. Bodily Injury Liability caters to medical expenses and lost wages of other parties involved in accidents where you’re at fault. Property Damage Liability takes care of damaged property of other parties in accidents for which you are responsible.

Auto liability insurance constitutes a fundamental aspect of auto insurance coverage, underscoring the importance of discussing your needs with an agent to secure the right protection.

Comprehensive Coverage

Comprehensive auto coverage will cover any losses or damage to your vehicle aside from actual automotive accidents. Comprehensive auto coverage will cover your vehicle if it is damaged by virtually anything else (natural disasters, vandalism, theft, etc.) Pair your comprehensive auto coverage with other coverage to get full protection for your property.

Collision Coverage

Collision coverage steps in to address vehicle damage resulting from auto accidents. Covered accidents encompass collisions with other vehicles, objects, and even instances where your vehicle rolls over and impacts a building. Moreover, if your vehicle is deemed totaled, collision coverage aids in replacing it. Collaborating with an agent ensures you secure an appropriate level of collision coverage tailored to your vehicle’s needs.

Under-Insured Driver Coverage

If you find yourself in a situation where the other driver’s fault leaves you with losses beyond their insurance limits, under-insured driver coverage steps in. This coverage assists in covering medical costs and, in certain cases, lost income and property damage. Although not mandated by most states, adding under-insured driver coverage to your policy is a prudent step to enhance your protection.

Uninsured driver coverage

Uninsured driver coverage offers a safety net in scenarios where you’re involved in an accident with a driver lacking insurance, possessing insufficient coverage as per state regulations, or fleeing the scene. Similar to under-insured driver coverage, uninsured driver coverage steps in to address medical expenses for both you and your passengers. Depending on your policy, this coverage might also extend to rental car costs or damage to your vehicle.

Navigating the world of auto insurance, particularly for newcomers, requires diligent research, and having a guiding hand is always beneficial. If you’re keen to delve deeper into the aforementioned auto coverage or have queries about other facets of auto insurance, don’t hesitate to get in touch with me. Having an informed professional by your side can make all the difference in pinpointing the perfect auto insurance policy for your needs.

Vehicle Contact Protection – Sharing the road with motor vehicles brings its fair share of risks. By opting for this added coverage, you secure the protection necessary in the unfortunate event of a collision with a vehicle that lacks proper insurance coverage to address your losses.