Auto Car Insurance Quotes

These coverages may be purchased in addition to your basic automobile coverages. You will be charged an additional premium for electing the following coverages. AUTOMOBILE DEATH INDEMNITY, SPECIFIC DISABILITY AND TOTAL DISABILITY BENEFITS COVERAGE This endorsement will provide a benefit for death, dismemberment, specific disability and total disability resulting from an automobile accident. MISCELLANEOUS TYPE VEHICLE ENDORSEMENT Motorcycles, golf carts, travel trailers and other similar type vehicles are afforded coverage by this endorsement. If your covered vehicle is a motorcycle, the endorsement will extend the medical payments coverage to motor vehicles with fewer than four wheels. COVERAGE FOR RENTED VEHICLES This endorsement provides coverage for you or a family member who rents a rental vehicle on a daily basis for less than 22 consecutive days. COVERAGE FOR DAMAGE TO YOUR AUTO (CUSTOMIZING EQUIPMENT COVERAGE; COVERAGE FOR AUDIO, VISUAL, AND DATA ELECTRONIC EQUIPMENT) Through th...

Automobile insurance is used to protect you against expenses you may not otherwise be able to afford if you are involved in an automobile accident. The automobile policy is a combination of several individual types of coverage. LIABILITY COVERAGE (REQUIRED by N.C. LAW) Your Liability coverage will pay for bodily injury and property damage for which any covered individual becomes legally responsible. The Personal Automobile Policy will cover you or any family member while using any automobile or trailer, and any person using your covered automobile with permission. The policy will pay up to the limits listed in your policy. Under this coverage you will have separate limits of liability per person injured and limits of liability per accident. This is called split limits. For example, you may have limits of 100/300/50. This would mean that your policy would pay up to a maximum of $100,000 to any one person injured by a covered driver or up to $300,000 for all injured parties combined, as ...

❈ Adjuster A person licensed by the Department of Insurance whose job is to evaluate the amount of loss and to recommend the amount the insurance company will pay. ❈  Agent A person licensed by the Department of Insurance to solicit and service insurance policies. ❈  At-Fault Negligent. ❈  Claim A request to an insurance company for payment of a loss. ❈  Coverage The amount of risk covered by an insurer. ❈  Deductible The portion of each covered claim you are responsible for paying. ❈  Endorsement An amendment to an insurance contract, creating a change in the original terms. ❈  Exclusion A provision in an insurance contract that removes coverage for certain losses or property. ❈  Experience Period The three years immediately preceding the date of application or the preparation of renewal. ❈  Family Member A person related to you by blood, marriage or adoption who is a resident of your household, including a ward or foster child. ❈  Insu...