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Auto Insurance Information
Any time you get behind the wheel, you face the risk of having an accident or experiencing any number of other dangerous hazards. No matter how safe of a driver you strive to be, you simply cannot eliminate the risk of something going wrong. Rather than leaving yourself exposed to the ramifications of these accidents, why not rest assured that the benefits provided by your auto insurance will be there to help you get on with your life.
The Peterson Agency is committed to helping all North Carolina drivers get the auto insurance benefits that are perfect for them. All of our carrier partners offer affordable benefits that are in full compliance with state insurance laws, and we’ll work with you to tailor your benefits to your advantage.
To get your policy, call us at(336) 227-0154 or request your free, no-obligationquote now!
Common Auto Insurance Questions
How Does Auto Insurance Work?
Owning an operating a car is risky. This is a heavy, expensive piece of machinery, and it travels at high speeds on roadways that countless other drivers use. There is no guarantee that you’ll be able to avoid every accident, and if a problem ever does arise, then the costs of repairing your vehicle, covering your injury costs and settling any legal business might be very expensive.
As long as you have auto insurance in place, you’ll have financial assistance available that can significantly lessen the strain that an unexpected vehicle issue puts on your own wallet. That way, you’ll be able to move on from an unexpected problem without having to worry about how you’ll afford it.
What Auto Insurance Do I Need?
The average auto insurance policy offers numerous benefits, including:
Collision Insurance: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive Insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical Payments Coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
Uninsured/underinsured Insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
To make your plan more specific, you can invest in numerous other perks like:
Rental Car Reimbursement
Is Auto Insurance Required in North Carolina?
North Carolina law makes auto insurance coverage mandatory for all drivers. All drivers must carry at least the following coverage:
$30,000 Bodily Injury (BI) Liability Coverage per person
$60,000 Bodily Injury Liability Coverage per accident
$25,000 Property Damage (PD) Liability Coverage
$30,000 Uninsured Motorist (UM) Bodily Injury Coverage per person
$60,000 UninsuredMotorist Bodily Injury Coverage per accident
$25,000 Uninsured Motorist Property Damage Coverage
Please note, if you plan to buy more than just the minimum BI liability insurance limits require by law, your UM coverage will also include underinsured motorist (UIM) bodily injury coverage. It is highly recommended that all drivers carry higher coverage than just the minimum required limits.
When Do I Need To Get Auto Insurance?
You need auto insurance from the moment you become a driver. If you move, buy a new vehicle, update your vehicle registration or make other significant life changes, then you will need toupdate your policy appropriately.
No matter where you are in your life, and no matter what your auto insurance needs, our committed team of agents will be there to help you always have the optimized benefits. That way, you will be able to hit the road knowing that you are protected.