Like most states, North Carolina requires basic liability coverage on your automobiles, as well as some coverage for non-insured or under-insured motorists. Visit the JC Demo insurance Group in Matthews, NC to get the coverage you need for your automobile.
Liability, of course, covers damages you cause to another car, or injuries in an accident where you are at fault. There are some basic limits as to how much to have, but many car owners have more than the minimum. There are people who do not obey the law, and if they cause an accident, you may not be able to collect from them. That is where non-insured or under-insured coverage can protect you.
Collision coverage covers damage to your car when you drive it into something. That something can be another car, or a tree, or a building. It covers your car when it is damaged. This is optional coverage, but you may be required to have it by the lender if you owe money on the car. If the car has high value it is a good idea to have this kind of coverage.
Comprehensive is the other main kind of insurance, and this covers everything else. This covers damage to your car from things like storms, floods, trees falling and so forth. It also covers windshield damage, fire, theft and other things out of your control. This is also optional coverage that most people have if they have a newer car.
Call or visit the JC Demo Insurance Group on Matthews, NC to make sure you have the right coverage for your car. You may visit in person or online to get the coverage you need. If you are going to change cars, it is also a good idea to let your insurance company know before the purchase is made.