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Alcock Insurance & Risk Management Services, LLC

3105 Evans St Unit E
Greenville, NC 27834

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What Exactly Does ‘Full-Coverage’ Mean? Do I Need It?

When it comes to auto insurance deciding what type of coverage you want, the amount can be confusing. The state of North Carolina mandates some types of coverage, and others are optional. When it comes to "Full coverage," you may not know exactly what it means, what is included, and whether you need it. At Alcock Insurance & Risk Management Services LLC in Greenville, NC, we are a family-owned business dedicated to creating lasting relationships with our customers through quality service and products. 

Full coverage in auto insurance terms usually means you have liability, comprehensive, and collision coverage. Other options may be added, but these three comprise full coverage in the simplest terms. 

Liability coverage

In North Carolina, the mandated basic liability insurance is 30/60/25. This covers other drivers from an accident where you are at fault. It provides medical injury coverage of $30,000 for an individual with a total of $60,000 per accident. You must have $25,000 for property damage as well. This is all well and good, but what about your vehicle. You don’t have to cover it unless you have a loan. But if you need your vehicle, you want to cover it. 

Comprehensive coverage

Things happen, and sometimes they are bad things. Comprehensive coverage protects you from things over which you have no control. A deer runs into the road in front of your car, devastating damage ensues. Other things it covers are the theft of your vehicle, vandalism, and storm and hail damage. Glass coverage is also included. 

Collision coverage

When you are at fault in an accident, you still need to get your vehicle repaired. Collision coverage will take care of this for you after the payment of your deductible. 

Contact Alcock Insurance & Risk Management Services LLC in Greenville, NC for all your auto insurance needs. 

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