What happens if your personal belongings are damaged as a result of being involved in a car accident? By personal belongings, we are talking about items that are not attached to the car. Things like music CDs, a cell phone or even an antique lamp that you are transporting in the back seat of your car. Damages to your personal belongings that occur as the result of a car accident are not covered by your auto insurance in all, but the rarest, of cases.
If you are driving home from the grocery store on a rain-slicked road in Burlington, North Carolina, and take a turn too sharply, and slam into a tree, your broken eggs and cracked cell phone are not going to be covered under your auto insurance policy.
Auto insurance covers your car, other cars and the people inside of other cars. Any time there are damages to your personal belongings, it is almost always your financial responsibility to bear. While North Carolina auto insurance policies do not normally provide reimbursement for such losses, you may be able to file a claim and recover a percentage of your personal belongings loss with your home owner’s insurance policy.
Home insurance policies do cover some losses that occur when you are transporting personal belongings in your vehicle, but these claims are not always easy to get approved. A home policy is more likely to compensate you if your brand new big screen TV is stolen from your parked vehicle than if you get in an at-fault accident and the screen is cracked.
Auto accidents are treated differently than theft when it comes to claims filed with your home policy. With car insurance, unless you have a specific endorsement written into your policy, you are pretty much out of luck if your personal belongings get damaged.
As your independent agent, here in Burlington, North Carolina, we can review your auto and home policies and let you know, in more specific terms, whether you have some protection against damages to your personal belongings in the event of a car accident.
You can live all alone in your home out in the woods in Burlington, North Carolina and have zero visitors, except for the occasional squirrel, and still need to have a home insurance policy that includes liability coverage. Liability insurance covers you if someone gets hurt while on your property and can also cover you in certain instances when an incident takes place away from your home.
In today’s world, it is almost impossible to completely isolate yourself from all human contact. If you choose to stay alone and never invite anyone over for lunch that is your right. However, even if you have no friends, there will still be some people who may occasionally have to come on your property. For instance, if you get mail delivered to your home, the mailman will have to come on your property.
Once a month, a meter reader from your local Burlington electricity provider will usually come on your property to read your meter. If you rely on other online companies to buy your food and other supplies, then, the UPS man or other delivery company will be a frequent visitor. The police, firefighters or other Burlington public service workers or officials also have the official right to come on to your property.
Buying liability insurance may not seem like a priority, but, if you have a mortgage on your home, you may have no choice but to also have home insurance, including liability, to protect the interests of the lender. If one of those people who are legally entitled to be on your property gets injured by a falling tree, your liability insurance will protect you from the financial risk of not having insurance.
As your independent agent, we can help you get the coverage you need. Remember, you can still live as private a life as you wish with insurance as you can without insurance. From a legal perspective, even uninvited visitors may become a liability when they enter your property.
Because car insurance is crucial to staying in good legal standing when you are driving on the roads, it is important to obtain insurance immediately. In order for Burlington drivers to remain compliant with North Carolina laws, they are required to carry a minimum level of coverage whenever their vehicle is out on the road. Thus, it is to your advantage to determine how long it will take for your insurance to activate once you purchase it online.
When Online Auto Insurance Goes Into Effect
When you purchase insurance online, your provider will let you know the exact date that your policy will go into effect. In many cases, your policy will go into effect as soon as the payment is made, but don’t count on this. Rely on the date your insurance provider gives you to determine when your policy will officially go into effect.
How to Obtain Faster Coverage
The second that you think you will need insurance; you should start shopping for insurance coverage. Often, making your purchase earlier will ensure that you have auto insurance at the date that you need it.
Many times, drivers may encounter obstacles that can delay the process of obtaining insurance. For example, accidently omitting a traffic violation may cause your insurance provider to delay extending coverage until the matter is thoroughly investigated. Or it may take you awhile to provide your insurance provider with the paper work that they need to assess the condition of your vehicle.
How an Independent Agent Can Help
Consulting with an independent agent is the best way to obtain auto insurance when you need it. An independent agent can help you speed up the process of obtaining insurance by helping you gather all of the information and documentation that you will need to provide to your insurance provider. To get your car insured immediately, contact an independent agent today.
When you decide to buy vehicle insurance in Burlington, North Carolina, you should understand that policies can vary greatly depending upon the types of benefits you want. Auto insurance laws in the state of North Carolina make it mandatory that you carry a minimum amount of bodily injury and personal liability coverage. If you finance your vehicle, the finance company may also insist that you have further coverage in case the car is damaged or stolen.
Choosing the right auto insurance coverage depends in large part on meeting those requirements, but there are additional benefits that you might seek. For instance, while it is not mandatory by either the government, city of Burlington, or any lender that you purchase rental car reimbursement coverage, you may decide that it is worth spending the few extra dollars for that additional protection.
If, you get in an accident and need to rent a car for a week until your car is repaired, your rental car coverage will reimburse you for the cost. Each policy is different and will detail the maximum amount per day that the insurer will pay when you qualify for a car rental under the terms of the auto policy.
Many people seek to have greater protection than the minimum coverage provides. The benefits of having more liability coverage than mandated will usually outweigh the additional cost, especially if you have more assets that could be at risk if you are liable in a major car accident.
If you want to purchase towing coverage in case your car is disabled and needs to be taken to a service station or body shop. This is not an expensive ad-on and can save you money in the long run.
You should know all of your options before buying any policy. For more information about all of the available benefits you can get when choosing an auto insurance policy, give us a call and speak to an independent agent.