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Liability Insurance for your Car
Auto liability insurance Fayetteville NC is required coverage in North Carolina, whether you have a car loan or the car is paid off. There are varying levels and options of liability insurance coverage; however, the minimum requirements in NC are 30/60/25 ($30,000 per person/$60,000 per accident/$25,000 property damage). These coverages assist you for damages you may be deemed liable for in the event of an accident.
With multiple options for auto insurance that include auto industry leaders like Progressive & GMAC as well as JD Power & Associates winners for service like Erie Insurance our agency is poised to offer you the best coverage and pricing you can ask for. Whether it's liability insurance or more comprehensive coverage you require we can be your one-stop shop for all your auto insurance needs.
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Property damage liability covers not just damage you may do to another vehicle, but it could also be damage to fixed property such as lamp posts, buildings (if you happened to run into one), and fences.
Comprehensive Coverage
Comprehensive coverage pays to fix your car when it's damaged by a fire, storm, theft or vandalism. If your car is financed, you'll be required to carry comprehensive insurance.
Collision Coverage
Collision coverage will pay you for the total damage to your own vehicle when you're determined to be at fault in a covered accident. An important note to keep in mind about collision coverage is that in the event your car is a total loss, insurance companies will pay out the "actual cash value" - meaning the insurance company will pay the amount it determines your car is worth at the time it is destroyed.
Uninsured and Underinsured Motorist Coverage
This coverage pays for your damages when you're in an accident that isn't your fault and the other party doesn't have any auto insurance or they don't carry enough coverage.
Other Auto Insurance Coverages
There are other optional items available to enhance your car insurance coverage, such as rental car and towing reimbursements. You should discuss these options with your insurance agent.
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