3105 Evans St Unit E
Greenville, NC 27834
In North Carolina and Virginia, the law compels all vehicle owners to hold adequate liability car insurance. The state employs the 'fault' principle when dealing with liability for property damage, personal injuries, and other losses associated with vehicle accidents.
Thus, the driver responsible for causing the collision bears financial liability. Motorists cannot use out-of-state car insurance policies in North Carolina or Virginia.
At Alcock Insurance & Risk Management Services LLC, we can help you navigate the daunting world of auto insurance in NC. Our consultants have many years of experience handling coverage issues.
Here's what you should know about auto insurance in North Carolina and Virginia
Your policy should incorporate state-mandated coverage limits. Authorities expect you to show proof of the required coverage before driving in the state. The minimum limits for property damage are $25.000 per case or accident, while personal injury limits per person stand at $30,000 or $60,000 per accident.
These amounts remain the same in situations involving an uninsured motorist. Hence, the policy protects you and the passengers when involved in a vehicle collision with an uninsured driver.
Depending on the terms and conditions of your car insurance policy, you may increase the limits. When it comes to property damage coverage for uninsured motorists, it is possible to opt for higher limits of up to $1 million. However, the limits cannot exceed your regular property damage limits.
Taking out an additional policy with a different insurer allows you to increase the total amount of coverage. North Carolina and Virginia laws restrict the total coverage amount to the sum of each policy's limits for uninsured motorist property damage.
If you purchase the minimum required insurance, you enjoy basic coverage. Alternatively, you can sign up for additional coverage that incorporates medical care and other benefits.
At Alcock, we offer different types of policies to suit your coverage requirements in North Carolina and Virginia. By taking out comprehensive auto insurance, you enjoy peace of mind. You no longer need to worry about considerable out-of-pocket expenses following road accidents, theft, and other events that result in damage or losses.
Feel free to consult with our representatives at Alcock Insurance & Risk Management Services LLC regarding your car insurance needs. Get in touch with us today.