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Auto Insurance

If you own a vehicle, auto insurance is a must to protect you against the risk of accidents on the road. Whether you only drive to work and back or hit the road frequently on family road trips, North Carolina and South Carolina require minimum auto insurance coverage to protect others in case you’re found liable for an accident. A customized auto insurance policy from The Pentagon Group will provide the unique protection you need.

Here are some essential facts you should know about auto insurance in North Carolina and South Carolina.

Required Coverage

Like most states, North Carolina and South Carolina have minimum liability coverage requirements to protect other drivers in accidents you cause. If you’re found at fault of an accident, liability insurance pays for injuries and property damage to others involved in the accident. Depending on your driving habits, you may want more than minimum liability coverage to protect your interests against serious accidents you may cause.

North Carolina and South Carolina also require that drivers have uninsured/underinsured motorist coverage to protect them against accidents caused by individuals with little or no coverage. A licensed insurer must provide all insurance policies within the state. Out of state insurance policies are unacceptable.

Optional Coverage

In addition to liability and uninsured/underinsured coverage, you have the option of purchasing additional coverage to protect your vehicle as follows:

  • Collision coverage covers damage to your car if you crash into another vehicle or object (with the exception of animals).
  • Comprehensive coverage protects your vehicle against theft, vandalism, damage caused by hitting an animal, or damage from the elements (hail, storms, lightning strike, etc.) If you own a relatively new vehicle, you’ll want the protection that collision and comprehensive have to offer to safeguard your valuable investment.
  • Roadside Assist covers the cost of towing and minor repairs to your vehicle if you have an unexpected breakdown on the road.

Learn more about auto insurance options and costs by calling or visiting The Pentagon Group today.

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