Collision coverage is often overlooked as part of a solid insurance coverage plan, but that does not mean you should avoid buying a policy for your vehicle. In fact, Don Allred Insurance can help you find a good collision coverage policy in Burlington, NC.
If you are shopping for a solid collision coverage policy, here’s what you need to know about your policy.
How Collision Coverage Is Used
Collision coverage is a type of policy used to repair or replace a vehicle following damage from another vehicle, damage caused by colliding with another object, like a fence, or a vehicle rollover. Often, this type of insurance is used when another driver is not involved or when the other driver’s insurance cannot cover your damage.
How Collision Coverage Is Not Used
There are a few things that collision insurance does not cover. For example, collision coverage does not cover damage associated with weather, vandalism, or theft. Additionally, this kind of policy does not cover medical bills or damage to other vehicles.
Do You Need Collision Coverage?
Collision coverage is required in some situations. If you have a loan on a car or you are leasing a vehicle, you may be required to have this kind of policy. States do not require this kind of insurance for vehicles.
You should consider getting this kind of policy even if you are not required to if you would be unable to replace your vehicle if it were totaled. This will help you avoid being left without any kind of vehicle following an accident.
Get Collision Coverage Today
Even if you don’t worry about getting into a collision that will total your car, you should consider getting coverage. Are you still unsure? Call Don Allred Insurance to learn more about your insurance options in Burlington, NC.
In North Carolina, there are specific types of coverage that are required for your auto insurance. It is required by the state to have all of these coverage types, and you must carry proof that you are insured and show it when asked by law enforcement officials. Without the required insurance, you could be given fees and fines. If you need auto insurance, don’t hesitate to call us at Don Allred Insurance in Burlington, NC.
Liability Insurance Coverage
Both bodily injury liability and property damage liability are required by law. These cover the bills that result from an accident that is your fault. There is a required minimum amount for one person who becomes injured in such an accident. There is another amount mandated for all of the people who become injured in an accident. In addition, there is a minimum required amount for the damage to another person’s property, such as their vehicle or a building, that is caused by an accident that is your fault.
Uninsured and Underinsured Motorist Insurance
This is also required as a part of your auto insurance policy. This is uninsured and underinsured motorist coverage. Just as the name implies, this covers you if you get into an accident with a driver who has no insurance or too little insurance to pay for your injuries and/or property damage. It is also important to have this because it protects you against bodily injury and property damage that is caused in a hit-and-run. Having all of these coverage types keeps you legal when you’re driving in North Carolina and protects you against a wide range of incidents that can happen.
Stay Protected With Auto Insurance
Don’t risk driving in North Carolina without the required auto insurance coverage. If you need auto insurance, or you want to change carriers, give us a call at Don Allred Insurance in Burlington, NC.