Liability coverage pays for the damage and injuries you cause to other people and their property if you are at fault in an accident. Collision coverage pays to repair or replace your own vehicle if it is damaged in an accident with another car or object, regardless of fault. Comprehensive coverage pays for damage to your car from non-collision events, such as theft, vandalism, fire, hail, or hitting a deer.

Effective July 1, 2025, North Carolina requires minimum liability limits of $50,000/$100,000/$50,000 (Bodily Injury per person/per accident and Property Damage, respectively), plus Uninsured/Underinsured Motorist coverage at the same limits. If you have a loan or lease on your vehicle (a lienholder), they will independently require you to carry comprehensive and collision coverage to protect their investment until the debt is paid off. The state's minimum coverage does not include these physical damage coverages.

Uninsured/Underinsured Motorist coverage pays for your expenses if you are in an accident caused by a driver who has no insurance or insufficient insurance to cover your full costs. It can cover both bodily injuries and property damage.

Some collision and comprehensive policies cover a rental car you drive for personal use within the US. Give us a call, and we can make sure that you have this wonderful benefit when the inevitable happens!

The easiest way to lower your costs is to give us a call! We work with several providers, and we'll shop around for you to find the best deals that meet your needs. We'll look for discounts like a multi-policy discount (bundling), good student discount, or a safe driver discount through a telematics program.