Automobile Insurance – Bodily Injury – Liability
Liability coverage pays for your legal responsibility to others for bodily injury or property damage that you have caused while driving your vehicle.
First Accident Forgiveness
In North Carolina all Insurance companies are obligated to waive the first accident of each driver in a household in a 36 month period of time when the amount for all Bodily injury and Property Damage are less than $1800.
We are able to offer First Accident Forgiveness (to those who qualify) for the first accident of the household which is greater than $1800 never charging Insurance Points nor incurring an increase in your Insurance Premiums. This onetime provision is restored when you have been with the company for 15 years at which time you will never be charged for an accident as long as you remain with the company.
Medical coverage pays for the cost of treating injuries for you and anyone in the car with you at the time of an accident.
Uninsured and Under-insured Motorist Coverage
Uninsured Motorist coverage
Will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver.
Under-insured Motorist coverage
Will reimburse you if an at-fault driver has insufficient insurance to pay for your total loss. This coverage will also protect you if you are hit as a pedestrian.
Physical Damage Coverage
This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or hitting an animal such as a birds or deer, less the deductible you choose. Comprehensive will also reimburse you if your windshield is cracked, chipped or broken.
This coverage pays for damage to your car resulting from a collision with another car, an object or as a result of flipping your car over. Also hitting a potholes and doing damage to your car. If you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, less the deductible you choose. If you’re not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company. If they are successful, you’ll also be reimbursed for the deductible.