Category: Auto Insurance

You need to have auto insurance to drive in the state of North Carolina. You don’t just need insurance, you need the right auto insurance. At Allen Insurance Agency in Ramseur, NC, we are locally owned and provide our customers with the personalized service they deserve. We know our customers and we recognize that all of them are individuals with different needs.  

Auto Insurance FAQs

Can more than one vehicle be on the same policy?

Yes, they can. Some companies do have a limit for the policy, but that would usually be more than one or two or even three. 

Do all drivers in your home need to be listed on the policy?

Yes, probably. Every carrier is a little different about who to list, but make sure that if someone moves in or out, you keep your insurance agent up to date. If your teen gets their license, tell the insurance company, you don’t want an ugly surprise if they have an accident. 

If you drive your friend’s car, whose insurance covers you?

Auto insurance covers the vehicle, not the driver, so if you are driving your friend’s vehicle with their permission, their insurance will cover in the event that you have an accident. 

What happens if you are in an accident with an uninsured motorist?

In North Carolina, uninsured motorist insurance is mandatory, so it will be a part of your auto insurance. It will cover for injuries caused by the uninsured driver and it will also pay for repairs to your vehicle. 

Is your car covered for a hit and run?

Your vehicle is covered for a hit and run under your uninsured motorist coverage, so you will be able to get your car repaired or replaced. 

Give Us A Call

Contact Allen Insurance Agency in Ramseur, NC when you need auto insurance and want a personal touch. 

Now that you have gotten your first car, your next move should be insuring it. Although auto insurance might seem challenging to understand at first, you will get a grasp of it pretty quickly. Here is the Allen Insurance Agency auto insurance guide for beginners in Ramseur, NC.

What Is Car Insurance?

This is a contract between you and an insurance company that you will be paying premiums to them. They will cover property damage, medical bills, and other additional matters if your car is involved in an accident. Different auto insurance options provide various levels of coverage. It’s mandatory to have some basic form of vehicle insurance before you drive on public roads in 48 states in the US.

What Car Insurance Options Are Available?

The auto insurance policy that you purchase will determine the coverage you get. The most common vehicle insurance options are:

• Liability insurance: This protects you from possible financial loss resulting from a car accident that you caused. 
• Comprehensive and collision insurance: Having only liability insurance is not enough in many situations. The comprehensive portion of this auto insurance policy covers damages to your vehicle due to an accident or action you did cause, like vandalism, theft, and hail damage. On the other hand, the collision portion covers damages to your car and injuries to passengers or any other people because of an accident where you are at fault. 
• Personal injury/medical insurance:  This policy covers medical expenses and compensation for physical injury for you and your passengers in an accident, whether you are at fault or not. 

How Do I Make a Claim?

After an accident, gather evidence. Call your insurance company immediately, inform them about the accident, and present them with the evidence. They will examine the evidence and settle the claim.

Do you need assistance with your auto insurance in Ramseur, NC? Call us at Allen Insurance Agency, and friendly agents will provide the help you require.