AUTO

Your initial quote will include liability limits of $100,000 each person and $300,000 per accident for bodily injury and $50,000 property damage liability. Additionally, we will include under-insured motorist coverage for the same limits of $100,000 each person and $300,000 per accident and $50,000 property damage. If you select to have full coverage (physical damage coverage), we will include deductibles of $500 collision and $500 comprehensive. Should you  wish to receive an estimate for coverage different than this, we can factor those changes in after our initial quote.

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 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 a result of a single accident. Also, this coverage has a single limit of liability for all property damage resulting from any one accident. Using the above example of 100/ 300/50 limits, you will have a limit of $50,000 Property Damage Liability for each accident. The liability section can be separated into three parts: Bodily Injury Liability, Property Damage Liability and Supplementary Payments.

Bodily Injury Liability

This coverage will pay for damages to other people as a result of an accident caused by you or another covered driver. Examples of damages include medical and funeral expenses, lost wages, disability, rehabilitation, pain and suffering, law suit settlements and legal expenses.

Property Damage Liability

This coverage will pay for damages to other people’s property as a result of an accident that is caused by you or another covered driver. Examples of damages include the repair or actual cash value (ACV) of another individual’s automobile or other property and legal expenses.

Collision

Collision means physical damage to your covered vehicle caused by an impact with another vehicle or object. This coverage pays the lesser of the cost of repair or ACV of your automobile.

Other Than Collision (Comprehensive)

This coverage pays the cost of repair or ACV of your automobile less any deductible. Losses caused by the following are considered comprehensive claims: 1. Missiles or falling objects; 2. Fire; 3. Theft or larceny; 4. Explosive or earthquake; 5. Windstorm; 6. Hail, water or flood; 7. Malicious mischief or vandalism; 8. Riot or civil commotion; 9. Contact with a bird or animal; or 10. Breakage of glass.

Medical Payments Coverage

This coverage pays for reasonable and necessary medical and funeral expenses due to an automobile accident. Individuals covered under this coverage include: 1. You or any family member while occupying any automobile, or as a pedestrian when struck by a motor vehicle; or 2. Any other person while occupying your covered automobile or any vehicle (private passenger automobile or trailer licensed for road use) driven by you or a family member. The policy will pay up to the limits listed in your policy for each individual injured. The Medical Payments coverage will not provide coverage for any expenses if the injuries occur while occupying a motorized vehicle with less than four wheels.

Uninsured/Underinsured Motorists

Uninsured Motorists (UM) Coverage

Your Uninsured Motorist coverage will provide protection when an uninsured driver, who is at-fault, injures you or another covered individual. It also provides property damage coverage.

Underinsured Motorists (UIM) Coverage

This coverage will provide protection when an underinsured driver, who is at-fault, causes injury to a covered individual. An underinsured driver is one whose limits of liability are less than your UIM limits, and not enough to cover the losses of the people the underinsured driver injures in an at-fault accident. UIM coverage does not provide protection against property damage. The UIM coverage will pay a maximum of the difference between the other driver’s Liability limits and your UIM limits.

Towing and Labor Costs Coverage

This coverage pays for towing and labor costs each time your covered automobile or any non-owned automobile is disabled or the keys are lost, broken or accidentally locked in the car.

Extended Transportation Expenses Coverage (Rental Reimbursement)

This coverage will pay, up to a specified rate and maximum total amount, transportation expenses incurred by you or loss of use expenses for a nonowned vehicle for which you become legally responsible.

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