Auto insurance protects consumers against financial loss in the event of an accident.

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Standard Coverages Include:

Bodily Injury Liability Protection for damages that involve bodily injury to others for which you become legally liable.
Property Damage Liability Protection for damage to property of others for which you become legally liable.
Medical Payments Protection for medical expenses and/or funeral services for those who are accidentally injured while in your automobile or while getting into or out of your automobile.
Comprehensive Comprehensive coverage provides coverage, subject to a deductible, for your vehicle that is damaged by incidents other than collisions. Fire, theft (or attempted theft), vandalism, weather, or impacts with animals are some types of Comprehensive losses.
Collision Collision coverage provides coverage for your vehicle that is involved in an accident, subject to a deductible. This coverage is designed to provide payments to repair the damaged vehicle, or payment of the cash value of the vehicle if it is not repairable.
Uninsured/Underinsured Coverage Uninsured/Underinsured coverage, also known as UM/UIM, provides coverage if another at-fault party either does not have insurance, or does not have enough insurance to cover damages to your vehicle.
Extended Transportation Sometimes called rental coverage, this coverage provides reimbursement for transportation while an insured's vehicle is being repaired due to a covered loss.
Roadside Assistance Provides protection for expenses incurred if your automobile fails to operate.

Learn more from the NC Department of Insurance!  
 

         


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