When you own a vehicle in North Carolina, you are required by law to have an insurance policy for it. That policy has to meet or exceed several criteria that are determined by state law. If you don’t have car insurance, give us a call right away at Steiner Insurance Group in Nashville, NC.
Liability Coverage
When you get your auto insurance policy, it must contain three different amounts that are for your liability. There is one amount required for one person who suffered a bodily injury in an accident. There is another amount required for everyone who has bodily injuries from an accident with your vehicle. There is also a required amount for property damage that is done with your vehicle. Having these minimum amounts of coverage can protect you from a lot of costs that can result in an accident.
Uninsured and Underinsured Motorist Coverage
This type of coverage protects you in case you are in an accident with a motorist who either doesn’t have enough insurance or has none at all. When the other motorist is at fault for an accident with your vehicle, they may have no way to pay for your medical bills and property damage without having enough insurance. With this coverage, the policy will pay for those bills up to its maximum payout. There is a specific amount required for the bodily injury caused to one person as well as a larger amount required for everyone who gets injured in the accident. A different amount is required for your property damage.
Get Your Auto Insurance
In North Carolina, it doesn’t pay to have too little insurance. These minimum amounts of coverage are required, but it’s best to increase those amounts so that you can pay for serious accidents. If you are in need of auto insurance, give us a call at Steiner Insurance Group in Nashville, NC.
