Auto Insurance

In North Carolina, it is mandatory to have auto insurance. Motorists who live Wendell, NC need to provide proof of insurance at the time of their vehicle registration and they need to carry it all times during their travel. Buying auto insurance can be complicated and a daunting process with so many options available.

Car Insurance in Wendell NC

There are many things to consider when purchasing car insurance in Wendell, NC. In most cases, the bare minimum requirements set by North Carolina for automotive insurance do not protect you completely if you’re involved in an automobile accident.

Auto Insurance Policy Options in Wendell NC

Liability Insurance in Wendell NC

Liability insurance: This is a type of coverage that covers the damages caused to a third-party who is involved with you in an accident. Many times, an accident is caused due to our fault and we end up causing bodily damage, property damage and also damage to other vehicles.

However, there are different levels of liability insurance and you can decide how much coverage you need to have. These limits are set by the state of North Carolina based on factors like permanent bodily damage, death and vehicle loss.

In such an event, you are liable to pay for all the damages caused by you to the involved party. Also, to avoid legal action against you covering these costs is mandatory.

A lawsuit can result in millions of dollars and it can cause a lot of stress if you are not prepared for it. Nobody can cough up such kind of money for law suits and having liability insurance is much cheaper. So it is very important to have this type of coverage as a part of your car insurance plan.

No Fault Insurance in Wendell NC

No fault insurance:  Several times you can be involved in an accident in which you were not at fault. With this type of coverage, you can claim a certain amount of damages caused to you and your vehicle from your own insurance company.

In most cases, it has to be proven legally that you were at no fault. For such circumstances, no fault insurance as a part of your auto insurance is very beneficial. It will cover your accidental damages and hospitalization costs during the recovery period.

Personal Injury Protection in Wendell NC

Personal Injury Protection (PIP):  A personal injury protection plan can be bought for medical expenses only. It will not pay for your vehicle damages but it can take care of all the medical expenses including hospitalization, disability, medications and all other medical bills if you sustain personal injuries during a car accident.

If you have a comprehensive health insurance plan then you might not need this insurance coverage as a part of your auto insurance plan. You can exclude this option while choosing your auto insurance plan. The only benefit of this plan is that it can cover abnormally high medical costs when your health insurance plan cannot cover it. This is just like an add-on but it purely depends on your needs.

Uninsured Motorist Insurance in Wendell NC

Uninsured Motorist Insurance:  This might seem like an oxymoron because any type of insurance qualifies the person as an insured individual. However, this is the type of insurance plan that covers you in hit and run cases by uninsured motorists, for example.

This is quite possible and driving without insurance is derisory and has severe legal repercussions. However, in hit and run cases it is difficult to prove who caused the accident to you and in the meantime you still need to take care of your car damages, medical expenses, etc. Until the car accident case is resolved, this insurance can cover your medical costs and bail you out of unforeseen financial expenses.

These are the various types of main auto insurance coverage plans that you should consider including in your car insurance policy. There are several more options to consider in your auto insurance policy which one of our auto insurance agents in Wendell will be happy to assist you.

While choosing an auto insurance plan consider:

Is your area prone to accidents, vehicle theft and violence? Some areas in North Carolina are more prone to violence and thefts. If you live in such an area then consider comprehensive and collision auto insurance coverage that covers your accident costs, towing costs, vehicle damage and theft and also hospitalization costs. The comprehensive plan premiums can cost higher than other basic auto insurance.

Get A Free North Carolina Car Insurance Policy Review

We believe you should get the Advantage You Deserve. Our licensed car insurance agents in Wendell NC are here to help make purchasing an automobile insurance policy as easy as possible. We’re also here to review any current insurance coverage you may have to make sure you are properly covered. Give us a call or contact us and we will be happy to review your coverage with you for a free no obligation review.

Get A Quote

Reach out to one of our agents to get a quote fast. We will provide you with all the options to meet your goals.

Need to Report an Incident?

Insurance policies are here to protect you. If you have an incident, reach out now to report a claim.

Customer Service

Customer support is our top priority. If you have any questions or concerns, let us help you right away.

Our Customers

“Working with Advantage Insurance Advisors I was able to save nearly $100 a month on my health insurance premiums with a better plan than my previous health insurance. James is absolutely phenomenal and does all the work for you so you don’t have to worry about a thing. He took the time to educate me on my healthcare insurance options and helped me choose the best plan within my budget. I cannot recommend him enough!”

– Zach W.

"Shortly after my wife and I were married, we realized that we needed help consolidating our insurance. I met James through a co-worker and scheduled a meeting. He not only helped us consolidate insurances, but he saved us over a thousand dollars on our car and home owners insurance premiums. James was very professional throughout the whole process. He took the time to provide us with education around each type of insurance and stayed in touch to ensure a smooth transition. I would recommend James to my friends and family to help with all of their insurance needs!"

- Chadwick W.

"We were referred to James Kolb when we moved to North Carolina to assist with transferring our auto, health, and homeowners insurance. He was immediately responsive and provided information quickly and efficiently to manage our insurance requirements. He found quality insurance companies at competitive prices. He continues to provide excellent service whenever we have questions. We highly recommend James to assist with your insurance needs."

- Dr. Debra and Charles W.

Put You & Your Family in Good Hands

Our Location

Advantage Insurance Advisors

6 W 3rd St.
Wendell, NC 27591

Get In Touch

One of our agents will be happy to assist you.