Auto Insurance
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Auto Insurance Information
Auto Insurance in Raleigh and Cary, NC
Since 1949, Vic Fisher Insurance has been trusted by thousands of North Carolinians to help them find the insurance solutions that keep them secure in all aspects of their lives. It’s our personal touch that allows us to offer only the best coverage options, at the best value, for every client.
If you’re looking for auto insurance, you want to always carry the mandatory benefits required of North Carolina drivers, but also to customize your benefits to your advantage. We’ll make sure that you get the best balance of coverage that will always minimize your cost burden for all vehicle losses.
Common Auto Insurance Questions
Why do You Need Auto Insurance?
Car insurance is designed to help drivers afford the costs that arise following unexpected, unavoidable accidents involving their vehicles. These accidents don’t just have to be wrecks; they might be vehicle fires, theft, vandalism or severe weather. Any of these hazards might lead to significant recovery costs, not to mention legal consequences.
Rather than worrying about how you’ll pay to pick up the pieces, you can find your source of assistance in your auto insurance policy. Your plan will provide financial aid to help you pay accident costs, and you won’t face a monetary loss just because you experienced a problem you didn’t expect.
What Does Auto Insurance Cover?
All auto insurance policies can offer a diversity of benefits including:
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Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.
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Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
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Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
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Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
To further customize your benefits, you can also enroll in coverage like:
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Roadside assistance
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Rental car reimbursement
What Auto Insurance is Required?
By law, all North Carolina drivers are required to have auto insurance of at least the following limits:
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$30,000 bodily injury liability coverage per person
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$60,000 bodily injury liability coverage per accident
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$25,000 property damage liability coverage per accident
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$30,000 uninsured motorist bodily injury coverage per person
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$60,000 uninsured motorist bodily injury coverage per accident
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$25,000 uninsured motorist property damage coverage per accident
It is recommended that you carry higher limits than the minimum coverage. If you do carry higher liability limits, however, you are required to carry underinsured motorist (UIM) bodily injury coverage.
If you finance your vehicle, then you might need collision, comprehensive or gap insurance as required by your lender.
What Causes Auto Insurance Rates to Change?
You might see your auto insurance rates rise in numerous situations, including if you:
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File a lot of claims
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Increase your coverage limits
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Decrease your policy deductibles
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Commit numerous driving infractions
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Cause at-fault accidents
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Move to a new area
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Buy a new car
We are entirely committed to helping you get the most comprehensive coverage for you without breaking the bank. Whether it is through policy bundles, discounts or other cost saving mechanisms, we’ll always ensure you get a policy that offers you the best value proposition.
How do Auto Insurance Claims Work?
If you need to file a claim on your auto policy, then we will be here to help make the process easy. You can rely on us to be your first point of contact when it comes to claims services, and we’ll stick by your side throughout the claims process to ensure that you get the maximized benefits from your policy.
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