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.

Flood Damage

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.

Conclusion

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. 

Optional Types

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.