Auto Insurance

No one ever plans on experiencing a car accident or other auto-related incident, but it’s essential to prepare for the unexpected. These events could severely interrupt your everyday life, so it’s critical to protect yourself financially with adequate auto insurance coverage. 

What Does Auto Insurance Cover? 

An auto insurance policy may offer several different kinds of coverage, such as the following: 

• Bodily injury liability coverage applies to injuries the covered driver causes to someone else in an auto accident.
• Medical payments coverage helps pay for the treatment of injuries to the insured driver and passengers after an accident. 
• Property damage liability helps pay for damage caused to someone else’s property in a wreck.
• Collision coverage helps pay for damage to the covered driver’s car resulting from a collision with another car or object.
• Comprehensive coverage helps reimburse losses due to a covered event that isn’t a collision. This could include fire, falling objects, explosions, earthquakes, windstorms, hail, flood, vandalism and damage from wildlife.
• Uninsured and underinsured motorist coverage helps cover expenses related to injuries and property damage when hit by an uninsured, underinsured or hit-and-run driver. 

How Much Auto Insurance Is Enough? 

Many states legally require a set amount of auto insurance. In North Carolina, all vehicles with a valid North Carolina registration must have liability insurance for bodily injuries and property damage, as well as insurance coverage for uninsured/underinsured motorists. While state laws may dictate the minimum legal requirements, an auto insurance professional can recommend what coverage and limits you should have to receive complete coverage. 

How Long Is Car Insurance Good For? 

Auto insurance contracts usually have terms of six months to a year. Most insurers will automatically renew your policy once the term is up, but they will reevaluate your policy, which may result in a rate increase or decrease. 

How Far Back Do Auto Insurance Companies Look? 

Car insurance companies generally look at the last three to five years of a driver’s record. Each insurance provider, however, may have different guidelines. 

Auto Insurance Quote in Jacksonville, NC 

If you are looking for an insurance quote in the Jacksonville area, contact Ashlie Fortune Insurance. Our insurance professionals will be able to find the right coverage options for your needs to help keep you financially protected and give you peace of mind.