Auto insurance can cover many different things. However, the type of auto insurance you carry and the damage your car sustains will determine many things. Our Burlington, NC team at Don Allred Insurance understands that auto insurance coverage can vary from policy to policy depending on the type of coverage. Our agents are committed to taking the guesswork out of what’s covered under different policies.
Typically, a standard auto insurance policy wouldn’t cover flood damage to your car or property. This is why many people are encouraged to purchase flood insurance if they live in areas prone to flooding. Your auto insurance will not cover your flood-damaged car. This may be surprising to many people who think that any damage to your vehicle would be covered under your auto insurance policy if you’ve purchased coverage for damage to your car. However, the damage your vehicle sustains often determines whether it will be covered or not. Flood damage isn’t covered. However, flood insurance will cover the repair of your flood-damaged car. This is surprising to many car owners. Auto insurance can be personalized to suit your unique situation. You can ask an insurance agent if a flood addendum could be an option if you don’t want to purchase flood insurance. However, not all auto insurance companies have a flood addendum as an option.
If you have questions about the type of damage covered under an auto insurance policy and your options, call us. One of our agents would be happy to explore your options and help you get the coverage you need most.
What is the minimum amount of auto insurance required by law? This is a question that can be difficult to find an answer to because the requirements vary from state to state. In this blog post, we’ll provide a general overview of the minimum amount of car insurance required in each state. Keep in mind that you should always consult with an attorney or your state’s Department of Motor Vehicles to get accurate information about the specific requirements in your area.
Minimum Requirement In North Carolina
In Burlington, NC, the minimum amount of auto insurance required by law is $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage. However, it’s important to note that these are only the minimums required by law. You may consider carrying additional coverage to protect yourself financially in an accident.
What Insurance Covers Are Mandatory?
In most states, two types of coverage are mandatory: bodily injury liability and property damage liability. Bodily injury liability covers the medical expenses and damages incurred by the other driver and their passengers if you’re found at fault for an accident. Property damage liability covers repairing or replacing the other driver’s vehicle if you’re found at fault for an accident.
While these two types of coverage are typically required by law, some states require drivers to carry uninsured/underinsured motorist coverage. This type of coverage protects you financially if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.
A professional insurance company such as Don Allred Insurance can help you find the right auto insurance coverage for your needs.
Burlington, NC is a great place to call home. When you’re ready to shop for auto insurance, contact the experts at Don Allred Insurance. They’ll be able to help you find the coverage that’s right for you and your budget.
Don Allred Insurance serves the Burlington, NC community. For over 30 years, we have helped our clients find the policies they need to protect their assets. We are an independent agency. We work closely with several carriers throughout the South. We offer flexible policies that adapt as your needs change.
How Severe Weather Impacts Auto Insurance
Operating a vehicle is a relatively high-risk endeavor. You have to navigate tricky road conditions and the behavior of other drivers. Auto insurance covers you while you travel around Burlington NC. Collision coverage protects you if your vehicle makes an impact with another vehicle or object and damages occur. If you are ruled to be responsible for the damages, liability coverage protects you. You can add comprehensive coverage, which protects your vehicle in unique ways. You are covered if your vehicle is stolen or vandalized.
The South is known for constant streams of inclement weather. Strong flooding, hurricanes, and tornadoes are a constant threat. Comprehensive coverage generally protects your vehicle if it is damaged by severe weather. Hail and lightning have the ability to crack your windshield. Comprehensive insurance will cover those damages. You are also covered if high winds damage your vehicle. If an earthquake may happen in the area, you can add earthquake insurance for another layer of protection. Also, consider adding umbrella insurance. Fatal accidents often occur when people are driving in severe weather. If you are responsible for causing a serious wreck, umbrella insurance can protect your assets. Roadside assistance is also an asset. If you are stuck on the road during a storm, you can receive urgent service.
Don Allred Insurance Will Help You Protect Your Assets
Visit our website to learn more information about auto insurance.
If you are shopping for insurance, you may already have some idea of the coverage options. You may have heard about roadside assistance, which is a tool that may become necessary in certain circumstances.
Don Allred Insurance serves Burlington, NC, offering roadside assistance and other coverage options. These are just a few of the times when roadside assistance may be more than useful.
Your Tire Popped
A popped tire can impact your entire trip, leaving you with few options (especially if you don’t have a donut ready to go in your trunk). A professional can come out to change your tire or tow your vehicle so you are not stuck on the side of the road.
You Ran Out of Gas
If you run out of gas, you can count on roadside assistance to bring you fuel so you can get back on the road in no time. Fuel delivery can get you out of a tight spot so that you can get yourself out of harm’s way from the side of the road. You’ll be able to get to a gas station to fill up your car and head home.
Your Battery Is Dead
A dead battery does not have to leave you stranded in the dark after work. Roadside assistance juices up your battery so you can hit the road again.
Get Roadside Assistance Today
Don Allred Insurance provides roadside assistance for many drivers in Burlington, NC. If you have questions about roadside assistance, call our office today to ask questions about your insurance options. You will feel better knowing you are not alone on the road.
If you drive in North Carolina, there are many types of coverage that you need to have in order to be compliant with the law. These types of insurance protect you against a number of issues that can come up after an accident, and they keep you on the road legally. If you don’t yet have aunt insurance or want a new provider, give us a call now at Don Allred Insurance in Burlington, NC.
Liability Insurance Types
Bodily injury liability and property damage liability are both required by the state. Bodily injury includes at least a minimum amount for one person who becomes injured in an accident that you are responsible for. Another amount is mandated for everyone who was injured in the accident. Another type of liability coverage required is property damage. This includes a specific minimum amount for the property damage that is caused to another person’s vehicle, building, etc., in an accident that you caused.
Two Types of Uninsured Motorist Coverage
This type of coverage is required in case an accident with you is caused by someone without auto coverage. This includes a minimum amount required for property damage to your vehicle, home, etc. Another amount is required for bodily injury that is for one person. A separate amount is required for everyone who was injured in the accident with the uninsured motorist.
There are also optional coverage types that you can get to be even better insured. Collision insurance pays for your property damage if you cause an accident and your vehicle is damaged. You can also choose comprehensive insurance, which pays for a number of things that can happen to your vehicle when you’re not driving it.
Get Your Auto Coverage
When you need auto insurance, you can give us a call at Don Allred Insurance in Burlington, NC.
For many college students, this is the first time in life that they are making their own insurance decisions. If you are a college student and you want to make the best decisions about your auto insurance policy, Don Allred Insurance understands your needs. These tips will help you choose a Burlington, NC insurance policy that meets your needs.
Learn the Basic Terms
It is important that you first learn the basic terms associated with auto insurance. You need to know the different types of coverage options and what they cover so that you can buy a policy that benefits you. This means you need to understand liability insurance, which covers damage you cause, and comprehensive insurance, which covers damage to your car not caused by driving.
Consider How Often You’ll Use Your Car
Many new college students overestimate how often they will use their vehicles. You may be able to save money by choosing a policy that assumes you will be leaving your vehicle at your parent’s house throughout the school year, for example.
Ask Your Insurance Agent About Student Options
For many students, getting good grades can pay when it comes to car insurance. Make sure to ask your auto insurance professional about any options that are specific to college students, as they may help you decide which policy is right for you.
When you do need to find the right auto insurance for your needs, Don Allred Insurance will be there for you. We help many Burlington, NC students and drivers find what they need. Contact our office today to learn more about college students and auto insurance.
If you have a loan on your vehicle, you may have noticed that there are certain types of auto insurance policies you are required to have. Many people aren’t sure why they have to provide more coverage simply because they have a loan on a vehicle, but the truth is that this coverage can provide benefits.
So, why do you have to have more coverage if you have a loan? Don Allred Insurance, which helps many drivers in Burlington, NC, can help you understand the insurance policies you benefit from.
Lenders Have Risks
Lenders often require more coverage for vehicles with loans because the lender is taking on more risk. The lender puts up the money, and they have a vested interest in ensuring that they recover either the loan payments or the vehicle in the future. If the vehicle is wrecked, they will not be able to recoup their funds.
If you have a loan on your car, there are a few types of coverage options that may be required. You may be required to carry comprehensive insurance as well as collision coverage to ensure that your vehicle is completely covered in the case of an incident.
Insurance Helps You Too
It is also important that you understand the benefits insurance has for you as well. You may also benefit from gap insurance, which helps you cover that loan even if your car is totaled.
Learn More About Insurance Requirements
Don Allred Insurance understands that you may have questions about car insurance and loan requirements. If you live in Burlington, NC, call our insurance agents to learn more about your insurance options even if you have a loan on your car.
Like other states, North Carolina has its own state laws in regard to how much insurance coverage its drivers must have. The amount required for many of these by the state is low when compared to many other states, so it may be a good idea to get more than the state requires in order to be better protected. If you need auto insurance, call us at Don Allred Insurance in Burlington, NC to find out more.
Bodily Injury Liability
This coverage is required in order to pay for injuries that are done to another person, or people when you cause an accident. There is a mandated minimum amount for one person who is injured and another minimum amount for everyone who is injured in the accident.
Property Damage Liability
This coverage comes with its own mandatory minimum amount. This coverage pays for damage to someone else’s property that is done when you cause an accident.
Uninsured Motorist Coverage
The state mandates that drivers carry uninsured motorist bodily injury insurance so that their injuries can be paid for if the accident was caused by a motorist who is uninsured. This coverage comes with a set amount for one person who is injured in an accident and another amount that is for everyone who is injured in it. There is also uninsured motorist property damage coverage required. This pays for the damage to your property that is caused by an uninsured driver.
All of these coverage types are important for staying legal on the road, and they are also helpful in case the worst should happen and there is an accident. Talk to your insurance agent if you are interested in getting more coverage than is required by the state.
Get Auto Coverage
If you drive in North Carolina, it’s vital that you have these coverages in place. Give us a call at Don Allred Insurance in Burlington, NC.
Don Allred Insurance is here to help our clients in Burlington, NC with all of their insurance needs. If you’ve recently purchased a new car, it’s a perfect time to meet with us and explore your auto insurance policy options.
Protect your new car
Outside of buying a home, a car purchase is many people’s largest expense. If you’ve recently purchased a new car, you will want to protect your investment. With comprehensive auto insurance, you can feel confident that you have the protection you need to weather almost any storm.
In the event that you’ve secured financing for your vehicle, your lender may have required coverage limits that you must meet. However, when determining the appropriate level of coverage for your situation, you don’t need to consider those requirements as maximums. A comprehensive auto insurance policy can provide the protection that you need above and beyond what your lender requires.
With a comprehensive policy, you can have the coverage you need for collision insurance, medical expenses, and liability. When choosing your insurance, be sure to consider your overall needs rather than just your budget.
An experienced agent can walk you through your options and provide the information necessary to make an informed choice. Auto policies have a lot of different features, and it is worthwhile to take the time to review all of the available options.
We are here for you!
Residents in Burlington, NC and the surrounding area can count on Don Allred Insurance. Give our office a call today and schedule an appointment to discuss the policy options that are available to protect your new car!
Don Allred Insurance and his team in Burlington, NC are here to help you with all of your insurance needs. If it’s been a while since you have had an agent review your auto insurance policy, we recommend that you make an appointment today.
What to look for when reviewing your auto policy
- Do you have the level of coverage that you need? As our lives change, so do our insurance needs. If you’ve recently changed jobs and your commute is now significantly different, it may affect your policy.
- Is your car paid off? When you financed your vehicle, your lender may have had stipulations in place for coverage levels. Now that you own your car outright, it’s worth it to take a closer look at your policy to see that it meets your current needs.
- Are you taking advantage of all the available benefits? Today’s auto policies offer a host of features and add-ons that can be worth adding to your policy. For example, if you are a safe driver, considering a Vanishing Deductible feature is a smart move.
These are some of the reasons why it makes sense to review your policy on a regular basis. Sitting down with your local agent at least once a year can help you stay on top of your insurance portfolio,
Set up your appointment today!
The Don Allred Insurance team is here to serve the insurance needs of our Burlington, NC area friends and neighbors. If you are looking for assistance with your insurance, call today! Schedule your appointment and let us help you manage your insurance needs.