Get an unfair advantage on Auto Insurance

Anglins Insurance Group-Auto Car Insurance Raleigh Durham, NC area.

As a responsible auto owner the state of North Carolina requires us to carry insurance.  The coverage and types of coverage we carry can vary.  Each state has a bare minimum that each driver must carry to operate a vehicle.  Therefore knowing is half the battle.  Lets start with the basics.

Car Insurance Types

Full Coverage – Many think they carry “full coverage” on their car insurance policy. However, in reality there is no such thing as full coverage auto insurance.  A full coverage policy is typically one that includes several types of car insurance coverage that, as a whole, provide a solid level of protection in case of an accident.  You can read more at DMV.org

Liability – There are two types of liability coverage.  Coverage for Bodily Injury and coverage for Personal Property. Most states require you to carry a minimum amount of liability coverage. Or post a bond, to register your vehicle or obtain a driver’s license. If you’re legally responsible, or “liable” for damages, Liability coverage helps pay for them.

Coverage Types

Bodily Injury – When you are found legally responsible for a car accident, bodily injury liability coverage is the part of your insurance policy that pays for the costs associated with injuries.  Usually to the other person or people involved. This coverage also provides a legal defense in the event that you are sued for damages. Consumer Guide to Auto Insurance.

Personal Injury Protection (PIP) -.PIP is similar to Medical Payments coverage. It covers a wider range of costs. It can help pay for medical and rehabilitation expenses, work loss, funeral costs, and even replacement services.  Many states require drivers to carry a minimum level of PIP coverage.  For more information check out the Consumer Guide to Auto Insurance.

Get an unfair advantage on Auto Insurance!

Anglins Insurance Group- Auto Insurance Raleigh Durham, NC area

As a responsible auto owner the state of North Carolina requires us to carry auto insurance.  The coverage and types of coverage can vary.  Each state requires a minimum amount of coverage.  Therefore knowing is half the battle.  Lets start with the basics..

Auto Insurance Types

There are two type of coverage you can buy.

Full Coverage insurance covers your vehicle.  It also covers the other persons vehicle if you are involved in an accident.  It includes liability, comprehensive and collision limits.  Also full coverage helps you if you hit a deer or other object.  You can read more at DMV.org

Liability insurance is divided in to two areas.  They include Bodily Injury and Property Damage.  Most states require you to carry a minimum amount of liability coverage.  In North Carolina you must carry 30/60/25.  Also the amount of coverage can be increased based on your needs.

Coverage Types

Let’s break it down. Bodily injury pays for the medical expenses for the “not at fault” party.  It has two parts.  A per person and a per incident amount.  This coverage also provides a legal defense in the event that you are sued for damages. Consumer Guide to Auto Insurance.

Property damage covers the automobile.  You determine the amount when you write the policy.  This is a per vehicle limit.  Rather than being left with a hefty bill if your are involved in an accident make sure you carry enough coverage here.  For only a few dollars more a month you can save yourself a lot of stress.

Personal Injury Protection (PIP) is similar to Medical Payments coverage. Pip can cover a wider range of costs.
It can help pay for medical and rehabilitation expenses.  It can cover time lost at work.   Did you know it can even cover funeral costs, and replacement services.  Many states require drivers to carry a minimum level of PIP coverage.  For more information check out the Consumer Guide to Auto Insurance.

Why Anglin’s Insurance Group?

At Anglin’s we know insurance.  Our agents have years of experience. We want to help you find the best policy at the best price.  We love our customers.  Our agents will work hard for you.  We write with multiple carriers. This gives you options and it helps you get a great price.  Fast, Friendly, Reliable Service. Call us for a quote today.