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Car Insurance: Everything You Need To Know

An auto insurance policy is an agreement between an insurance company (insurance provider) and a customer (policy holder). The policy holder will pay a fee, or a premium, and the insurance provider will cover the costs of any car-related accidents covered under the terms of the insurance policy. Here are some questions some might have regarding auto insurance.

Is Auto Insurance Really Necessary?

Yes. In fact, in some states, it is illegal not to have any coverage. Many state governments will also allow someone with proven finances to cover payment in case of an auto accident for which they are liable, but most people don't have that kind of money. Auto insurance is protection against sudden a financial hardship caused by a car accident. Even if it isn't required by law, it is still highly recommended, since a good insurance policy will pay the costs of a hospital stay, therapy, and even loss of income, when such is necessary.

Who Is Covered By Auto Insurance?

When the policy is being formed, it includes a list of drivers who will receive coverage for a specific vehicle. It usually includes the main policy holder, the policy holder's spouse, and any other family members of legal driving age in the household, but it can include others who will use the vehicle as well.

What Falls Under Auto Insurance Coverage?

Most states require a driver to have a certain minimal amount of liability insurance. Required liability insurance generally only applies to damages or injuries caused to others, but that is not enough for effective coverage. Different drivers have different needs in North Carolina and there is probably a good policy for each one of them. Following are a few other things insurance might cover:

•  The car of the policy holder: It doesn't have to be a single car. Many policy holders have more than one car on the policy. The vehicle can be insured not only against liability but against collision, regardless of fault. There is coverage for vandalism, or such ‘acts of God' like extreme weather or falling objects.

•  The policy holder or the policy holder's passengers: The people inside the car can be covered under the insurance policy as well, so their medical costs can be paid in case of an accident, up to the agreed-upon amount in the insurance policy.

•  The policy holder, the passengers, and the car against uninsured or underinsured drivers: This merely covers the costs of being hit by a driver without adequate insurance.

What Causes Changes In The Auto Insurance Premium?

Policy rates are affected by a number of factors, including place of residence, the type of car under the policy, and any safety features the vehicle may have. Previous driving record is almost always a factor, as is age. Older drivers receive a reduced cost, as they tend to be more careful than younger drivers.

Free Auto Insurance Quotes in North Carolina

Alamance County
Franklin County
Orange County
Alexander County
Gaston County
Pamlico County
Alleghany County
Gates County
Pasquotank County
Anson County
Graham County
Pender County
Ashe County
Granville County
Perquimans County
Avery County
Greene County
Person County
Beaufort County
Guilford County
Pitt County
Bertie County
Halifax County
Polk County
Bladen County
Harnett County
Randolph County
Brunswick County
Haywood County
Richmond County
Buncombe County
Henderson County
Robeson County
Burke County
Hertford County
Rockingham County
Cabarrus County
Hoke County
Rowan County
Caldwell County
Hyde County
Rutherford County
Camden County
Iredell County
Sampson County
Carteret County
Jackson County
Scotland County
Caswell County
Johnston County
Stanly County
Catawba County
Jones County
Stokes County
Chatham County
Lee County
Surry County
Cherokee County
Lenoir County
Swain County
Chowan County
Lincoln County
Transylvania County
Clay County
Macon County
Tyrrell County
Cleveland County
Madison County
Union County
Columbus County
Martin County
Vance County
Craven County
Mcdowell County
Wake County
Cumberland County
Mecklenburg County
Warren County
Currituck County
Mitchell County
Washington County
Dare County
Montgomery County
Watauga County
Davidson County
Moore County
Wayne County
Davie County
Nash County
Wilkes County
Duplin County
New Hanover County
Wilson County
Durham County
Northampton County
Yadkin County
Edgecombe County
Onslow County
Yancey County
Forsyth County

Major Cities in North Carolina

Asheville
Durham
Raleigh
Cary
Fayetteville
Winston Salem
Charlotte
Greensboro


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