If you live in Hope Hills, NC, then you know how important it is to be covered when you’re on the road.  It’s important to know exactly what you’re required to have and what kind of insurance you should strongly consider, however.  

Basic auto insurance policies in North Carolina are designed to protect the other driver in the event that you are found to be at fault in an accident.  The law is interested only in making sure that the victim of the accident is taken care of.  That means that if you are found to be at fault in an auto accident, your basic insurance policy would not pay you anything for your own damage and medical expenses.

In fact, even with the minimal required insurance, you would still be required to pay for some of the cost out of your pocket.  Your deductible would be paid to the insurance company, who would then pay for damages up to the limit of your coverage.  With required coverage limits so low in North Carolina, it is possible that you would need to pay even more money in the event of a serious accident.  In many cases, this can bankrupt a family as they contend with their own expensive medical costs and repairs.

To make sure that you are covered, you may want to consider a collision policy.  This type of coverage will cover your own damages and medical costs.  

If you’er thinking of getting a new auto insurance policy, or if you just want to save some money on your existing policy, call the agents at Cross Creek Insurance.  They have years of experience helping Hope Hills, NC residents.