Auto Insurance

Liability Insurance in North Carolina or Michigan

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 and Michigan 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 North Carolina or Michigan

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 North Carolina or Michigan

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 North Carolina or Michigan

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 will be happy to assist you with.

While choosing an auto insurance plan consider:

Is your area prone to accidents, vehicle theft and violence? Some areas in North Carolina or Michigan 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.

We believe you should get the Advantage You Deserve. Our licensed car insurance agents 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.