There are basically two types of people in the world: the insured and the uninsured. While this isn’t exactly like the have and have-nots that the world so callously speaks of, it is a distinction that could be the difference between being in the have or have-not classification. While those distinctions aren’t likely reasons why people from in and around the Hope Mills, NC area choose to work with the friendly and professional team at Cross Creek Insurance, the protection that insurance provides is why so many turn to the Cross Creek Insurance team for all their auto insurance needs.

Accidents Happen: Auto Insurance Can Help

None of us ever expect to get into an accident, but that doesn’t mean that we won’t or can’t. The truth is, accidents are going to happen, regardless of how good a driver you may or may not be. The good news is that when accidents do happen, insurance can help. That’s why working with experienced and knowledgeable agents who can help you get the right auto insurance for you and your vehicle is important. No, none of us ever plan on being involved in an accident, but everyone should be prepared with the right auto insurance solutions.

Auto Insurance Solutions for Drivers in Hope Mills, NC

We can assist if you drive in or around the greater Hope Mills area and have questions or would like to learn more about auto insurance for you and your vehicle. Contact us to learn more and schedule an appointment with our friendly and proven team for the auto insurance solutions you need at Cross Creek Insurance today.

Car insurance is a legal requirement in most states. While some policies cover the cost of repairs to your vehicle after an accident, not all do. If you’ve recently been involved in an accident and have car insurance, it’s crucial to understand who is responsible for repairing or replacing your vehicle.

Understanding Car Insurance with Cross Creek Insurance

At Cross Creek Insurance, we provide car insurance to those who need it in Hope Mills, NC. We’re here to answer your questions and help you understand your coverage. Here’s what you need to know.

Who Covers the Repair Costs If You’re At Fault?

If you’re at fault in a collision and have liability-only car insurance, you’ll be responsible for repairing or replacing your vehicle. This type of insurance only covers the cost of repairs or replacement for the other driver’s vehicle.

However, if you have full coverage car insurance, you won’t be responsible for these costs. Your insurance will cover the repair or replacement of your vehicle, even if you caused the accident.

The Benefits of Full Coverage Car Insurance

Full-coverage car insurance combines several types of insurance. It covers your vehicle after an accident and a range of non-collision events. For instance, it will pay to replace your vehicle if it’s stolen or totaled in a fire.

Who Should Consider Full Coverage Car Insurance?

Full coverage car insurance may be beneficial if you have a brand new or high-value vehicle. If you have an auto loan, you may even be required to have this type of insurance. The professionals at Cross Creek Insurance in Hope Mills, NC, can help you understand your options. Contact us today.

When buying a vehicle, you may consider getting liability only insurance or full coverage auto insurance. These two types of coverage are very different! The agents at Cross Creek Insurance, servicing Hope Mills, NC, can help you decide which type is best for you. With all the options laid out for you by a knowledgeable insurance agent, you can make the best decision for your needs.

Understanding Liability Only Coverage and Full Coverage

Liability only car insurance is a type of insurance that will only pay to repair or replace the other driver’s vehicle if you cause a collision. This type of insurance will not repair your vehicle, nor will this type of insurance help if your vehicle is stolen. Liability only coverage is usually the lowest cost option for drivers, and is the bare minimum amount of insurance required by law. If you do not get a loan to buy your vehicle, liability only auto insurance is an affordable option.

On the other hand, full-coverage auto insurance combines many insurance types that provides protection in a range of covered events. If your car is damaged in a collision, full coverage auto can pay to repair or replace it. If your vehicle is stolen, full coverage auto can replace it. If a fire damages your car, a full coverage auto can repair it. If your car damages another vehicle in a collision where you are at fault, this insurance will pay to repair or replace it. This type of insurance may be required if you get an auto loan to buy your vehicle.

Which Type of Insurance Should I Get?

Are you not sure which type of insurance is right for you? Call Cross Creek Insurance, servicing Hope Mills, NC. We’re here to help!