Raleigh, NC Auto Insurance
A lot of drivers become frustrated with their auto insurance policy when they realize they’re paying too much for too little coverage. Switching between insurers can be a hassle, and sometimes you end up with a worse deal than you started with.
James Epps Insurance is dedicated to helping every Raleigh driver save money on high quality car insurance. Our insurance professionals will connect you with a tailored car insurance policy that is perfect for your vehicle and your budget.
Call us today at (919) 554-0475 or request your free, no-obligation quote now, and you’ll be well on your way to quality auto insurance solutions.
What is Full Coverage Auto Insurance?
A full coverage auto insurance policy refers to the highest amount of coverage you can carry on your vehicle, and that will protect you against the widest range of potential losses. These policies generally include coverage such as:
Comprehensive Coverage: Comprehensive coverage provides compensation for damages to your vehicle caused by fire, wind, lightning, hail, theft, vandalism and other incidents not involving collision.
Collision Coverage: Collision coverage provides compensation for damages to your vehicle caused by a collision with another vehicle or object.
Liability: Liability insurance covers costs related to bodily injury and property damage you may cause someone else while operating the insured vehicle.
Medical Payments Coverage: Medical payments coverage provides compensation for you and your passenger’s medical expenses after an accident, no matter who is at fault.
Uninsured/Underinsured Motorist: This coverage provides compensation for injuries and damages that occur in an accident with another driver who is not carrying the proper amount of insurance.
Roadside Assistance: Roadside assistance is available to help with trip interruptions, such as if you run out of gas, pop a tire or need to be towed.
What Auto Insurance is Required?
Each state has different laws regarding auto insurance requirements, so it is important to check with your state to know how much liability insurance you need to drive legally. In North Carolina, all drivers must carry at least:
$30,000 in bodily injury liability per person
$60,000 in bodily injury liability per accident
$25,000 in property damage liability
$30,000 in uninsured motorist bodily injury per person
$60,000 in uninsured motorist bodily injury per accident
$25,000 in uninsured motorist property damage
All North Carolina auto insurance policies are required to offer these minimum liability coverages, but higher limits are also available.
What is a Fault State?
North Carolina is an at-fault state, meaning that if you cause an accident, you must pay for the damages and injuries that both you and others (including other drivers) sustained in that accident.
Without insurance, you could be looking to pay expensive medical bills and property damages out of pocket. A full coverage auto insurance policy will make sure you have the right coverage to protect you, your passengers and anyone else involved in an accident.
Insure with James Epps Insurance Today
Drive with the peace of mind that you’ll be covered in case of an accident. Call James Epps Insurance at (919) 554-0475
to get started or fill out an online quote form now.
Common Auto Insurance Questions
How Much is Non-Owners Liability Insurance in North Carolina?
The average cost of a non-owner auto insurance policy in North Carolina is approximately $406 per year. For comparison, an owner's policy with minimum liability coverage costs an average of $542 per year in North Carolina. Only those who do not own vehicles can qualify for non-owners coverage.
How Many Auto Insurance Policies Can You Have?
You can have multiple auto insurance policies, but insurers generally won’t insure the same vehicle twice. Choosing to bundle your policies can often save you money, however.
Why is Auto Insurance Important?
Aside from liability insurance being required, auto insurance helps you pay for injuries and damages after an accident that you otherwise may have had trouble paying. Not everyone can afford over a thousand dollars out of pocket for medical bills after a car accident. Auto insurance helps with the cost so you can get back on your feet.