North Carolina drivers are required to have auto insurance. At Cross Creek Insurance in Hope Hills, NC, we offer auto insurance policies. We keep you legal and help protect your assets. We believe it’s essential to understand your auto insurance options.
Liability Auto Insurance
Liability auto insurance is required by North Carolina law. If you are at fault in an accident, liability coverage will cover the costs up to the coverage limit.
Property damage liability covers damage to other drivers’ vehicles. Bodily injury liability covers physical injuries to other drivers and passengers.
Liability coverage also includes uninsured motorist coverage. If you are not at fault in an accident, but the other driver has no insurance, this portion of the policy will cover damage to your vehicle and medical expenses you have up to the coverage limit.
Comprehensive and Collision Coverage
Comprehensive and collision coverage is also known as full coverage insurance. Collision coverage will pay to repair or replace your vehicle if the accident is your fault.
Comprehensive coverage covers damage to your vehicle when it’s not in operation. This includes storm damage, vandalism, and theft.
This type of coverage isn’t required by law. However, if you have a lien on your vehicle, your lender will probably require you to have this coverage.
If you own a newer vehicle, you should also consider gap coverage. If you have a lien on your vehicle and it’s totaled, the car’s value may be less than your loan amount.
Gap coverage will cover the difference, so you aren’t left with a loan balance.
Auto Insurance at Cross Creek Insurance
If you need auto insurance in Hope Hills, NC, contact us at Cross Creek Insurance. Our experienced agents will discuss your needs and help you select a great auto policy for your situation.