Wilmington North Carolina Auto Insurance

North Carolina requires all licensed drivers to carry liability insurance. This is true even if you do not own a
vehicle. If you do not own a vehicle you can purchase a non-owners insurance policy. You will not be allowed
to get a operators license or license plates for your vehicle without the minimum amount of liability insurance
required by the state.
Liability Coverage:
The state minimum required amount of liability insurance is $30,000 per person, $60,000 per accident and
$25,000 in property damage. We have companies that offer the state minimums up to $250,000 per person,
$500,000 per accident and $100,000 in property damage. These companies also have other coverage options
available for you to purchase. They include medical payments to others, towing coverage and rental care
coverage.
Uninsured and underinsured coverage:
You also have the option of purchasing uninsured and underinsured motorist coverage on your auto policy.
These coverage's cover you in case you are involved in an accident that was not your fault and the party at fault
does not have insurance. If you only have the state minimum amount of liability insurance, you will only be
allowed to purchase uninsured motorist coverage.
Comprehensive Coverage:
Another coverage you may want to consider is comprehensive coverage. This coverage is for your auto and
provides coverage for losses that are not collision's. An example is a rock that hits and brakes your windshield.
You would use this coverage to replace your windshield. Deductibles on this coverage range from $100 to
$1000.
Collision Coverage:
Collision coverage provides coverage for your auto, due to an accident that is your fault. Most lenders will
require you to have this coverage on your vehicle. Deductibles on this coverage range from $250 to $1000.