Insurance Matters offers a range of auto (car) insurance to our neighbors in Fuquay-Varina. We can get quotes from multiple carriers to ensure you get the coverage you need at the best possible prices. Review the options below and contact us today to request a quote.
Types of Auto Insurance
Every auto insurance policy is made up of numerous types of coverage and it is extremely important to know exactly what these will provide. Every state in the United States has different regulation on auto insurance coverage, but below you will find general explanations of the most common types of auto insurance coverage.
Auto Liability Coverage
Every part of the United States requires a minimum auto liability coverage in order to legally operate a vehicle. While auto liability coverage will not cover your own expenses related to property damage, it will cover others’ property damage in an accident to which you are at fault. Auto liability insurance will cover you when operating your own vehicle or when operating another person’s vehicle with permission from the owner.
Auto liability insurance has two types of coverage; Bodily Injury Liability and Property Damage Liability. Bodily Injury liability will cover medical expenses, lost wages etc. of other parties’ in an accident in which you are at fault. Property damage will cover the other parties’ property that was damaged in an accident to which you are at fault.
Auto liability is a staple part of auto insurance coverage so it’s important to take the time to speak to an agent and find the right coverage to fit your needs.
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 will cover damage done to your vehicle in an auto accident. Accidents that are eligible for collision coverage include collision with another vehicle, an object, a building in the case that your vehicle is rolled over. As well, collision coverage will help to replace your vehicle if it has been totaled. Talking to an agent can help you find the right amount of collision coverage for your vehicle.
Under-insured Driver Coverage
In the case that you are involved in an accident where the other driver is at fault and does not have extra insurance to cover the total of your losses, under-insured driver coverage will help you. Under-insured driver coverage will help by paying for medical expenses and sometimes lost earnings, property damage, and more. While most states don’t require it, under-insured driver coverage is also a smart precautionary coverage to add to your insurance policy.
Uninsured Driver Coverage
Uninsured driver coverage will help cover you in the event that you are in an accident with a driver that carries no insurance, carries too little insurance by state regulation, or flees following the accident. Like under-insured driver coverage, uninsured driver overage will help cover medical expenses for you and the passengers in your vehicle. depending on your policy, your uninsured driver coverage may also help cover the cost of a rental car or also damaged to your vehicle.
Buying auto insurance, especially for the first time, requires some research and it never hurts to have someone to help you. If you are interested in learning more about the above auto coverage, or have questions about other auto insurance coverages, please don’t hesitate to contact me today. Having a knowledgeable professional on your side can be all that you need to find the right auto insurance policy for you.
Vehicle Contact Protection – Sharing the road with motor vehicles has its share of dangers. With this added coverage, you can get the protection you need in case you are hit by a vehicle without the proper insurance protection to cover your losses.