Auto Insurance

The typical auto insurance will protect you, your passengers, and other pedestrians while on the road, allowing you to cover costs associated with accidents you encounter. Depending on your residence, some policies will also be mandatory, while others will be optional. Below, Pioneer Insurance of Hickory discusses the covers available for North Carolina drivers.

Liability Coverage

Liability coverage comprises bodily injury liability and property damage liability. The first, bodily injury liability, will take care of 3rd party injury costs such as medical costs when you cause an accident. Property damage liability helps you take care of damage to other people’s property, such as cars, buildings, and fences. This will help you pay for the repair and replacement of these items.

Medical Payments Coverage

This policy will pay for your injury costs following an accident. It will also help you offset your passenger’s medical bills, eliminating out-of-pocket expenses. Examples of costs that it will cover include X-rays, consultation fees, surgery costs, and prescription fees.

Uninsured and Underinsured Coverage

Uninsured coverage protects you when an uninsured driver hits you. Underinsured coverage allows you to cover your injury and property damage costs when you are hit by a driver whose insurance cannot cover the total cost of your expenses.

Comprehensive Coverage

Comprehensive coverage reimburses you when your car gets damaged in non-collision accidents. These could be hazards such as fires, theft, vandalism, and hail. Comprehensive coverage will provide the necessary costs to repair or replace your vehicle based on the damage incurred.

Collision Coverage

Collision coverage takes care of any impact accidents that you are involved in. If you run into objects such as poles, fences, or other vehicles, collision coverage will help pay for your repair and replacement costs.

Auto insurance will be a worthwhile cover to keep you protected from unexpected emergencies if you reside within North Carolina. Consider giving Pioneer Insurance of Hickory a call today for policies tailored to your needs.