Whether you drive the streets of Burlington, NC for business or pleasure, you must carry automotive insurance. Here at Don Allred Insurance, we want you to experience the safest driving you can on the NC roads and that means carrying the right insurance.
To register a vehicle in the state you must purchase liability, property damage, and uninsured motorist coverage. The state mandates the minimum amount of required coverage in the Vehicle Financial Responsibility Act of 1957. The law states you must purchase at least a 30/60/25 plan. That means you must purchase an insurance policy that at a minimum provides:
- bodily injury coverage in the amount of $30,000 per person and $60,000 per accident,
- property damage coverage in the amount of $25,000 per accident,
- uninsured motorist property damage coverage in the amount of $25,000 per accident,
- uninsured motorist bodily injury coverage in the amount of $30,000 per person and $60,000 per accident.
Carrying this level of insurance ensures that you can comply with the NC government’s requirement that an at-fault driver has the ability to pay for the expenses from an accident. You also must carry with you in your vehicle proof of insurance which can take the form of your insurance ID card, the DL-123 certification provided by your insurance agent, an insurance binder, or the policy’s declarations page.
While the NC law mandates the minimum required insurance, Don Allred Insurance of Burlington, NC encourages you to also consider obtaining comprehensive and collision coverage. Full coverage best protects your vehicle, your personal health, and your financial standing.
House fires are one of the biggest concerns for insurance companies, and they need to price their policies according to the risk that they are covering. This means that your premiums will be determined in large part by your fire department’s "ISO" in relation to your home, or Insurance Services Office. Essentially your nearest fire department is given a score from one to ten, with one being the best possible rating. Different insurers will determine values differently, but the following concerns will always be considered:
- The size of your Burlington, NC fire department’s staff, the quality of their training, and their distance from your home. This typically makes up about half of your ISO score.
- The availability of a water supply is another big concern. If you live right by a fire hydrant, you’ll have a better score than someone who lives relatively off the grid.
- Communications systems count for a significant portion, that is, how fast a 911 call gets to the department.
- Community outreach and fire prevention courses.
- If you’re more than five miles from the nearest station, you’re probably going to be scored a ten no matter what.
Location is perhaps the biggest concern. Homes in Burlington, NC closer to public services are pretty much guaranteed a better ISO than homes farther away, even if the home nearer to the fire hydrant is otherwise less safe than the one on the outskirts of the city. In some cases, an insurance company might even list fire as an exclusion if you live too far away from the nearest fire station, but this only refers to a small minority of homes. If you want to find out your own ISO and get covered, give Don Allred Insurance a call. Don Allred Insurance can get you the protection that you need.