When you become our client, you will receive:
- Practical and accurate information about your insurance policy and your insurance company.
- A car insurance agent who works for your interests.
- Personal service.
Whether you need to make a vehicle policy change, have a question about billing or need to report a claim our customer service representatives are the best in the business and will handle your request professionally and quickly.
Do you need to know the difference between the type of policies, like Liability Insurance, Personal Injury Protection & MedPay, Collision & Comprehensive, or Uninsured/Underinsured Motorist, we’ll be glad to tell you more about it.
Full coverage, for example, is the term commonly used to refer to the combination of comprehensive and collision coverages (liability is generally also implied.) The term full coverage is actually a misnomer because, even within traditional full coverage insurance, there are many different types of coverage, and many optional amounts of each. “Full coverage” is a layman’s misnomer that often results in drivers and vehicle owners being woefully underinsured. Most responsible insurance agents or brokers do not use this term when working with their clients.
One common misconception in the United States is that vehicles that are financed on credit through a bank or credit union are required to have “full” coverage in order for the financial institution to cover their losses in case of an accident. Insurance requirements vary between financial institutions and each state. Minimum deductibles and liability limits (required by some leasing companies) would be outlined in the loan contract. Failure to carry the required coverages may lead to the lienholder purchasing insurance and adding the cost to the monthly payments or repossession of the vehicle. Vehicles purchased with cash or paid off by the owner are generally required to only carry liability. In some cases, vehicles financed through a “buy-here-pay-here” car dealership—in which the consumer (generally those with poor credit) finances a car and pays the dealer directly without a bank—may require comprehensive and collision depending on the amount owed for the vehicle. (by wikipedia)
At Auto Insurance Raleigh NC, insurance agents provide a link to insurance providers in the U.S. for people needing vehicle insurance. Our web site is also available 24/7 to accommodate your busy schedule. Please bookmark our website, and visit us often. We look forward to hearing from you.