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Automobile Insurance

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Automobile insurance is used to protect you against expenses you may not otherwise be able to afford if you are involved in an automobile accident. The automobile policy is a combination of several individual types of coverages. (Review your policy or contact your agent to identify the limitations and exclusions for the following coverages.)

Liability Coverage (required by N.C. law)

Your Liability coverage will pay for bodily injury and property damage for which any covered individual becomes legally responsible. The Personal Automobile Policy will cover you or any family member while using any automobile or trailer, and any person using your covered automobile with permission. The policy will pay up to the limits listed in your policy. Under this coverage you will have separate limits of liability per person injured and limits of liability per accident. This is called split limits. For example, you may have limits of 100/300/50. This would mean that your policy would pay up to a maximum of $100,000 to any one person injured by a covered driver or up to $300,000 for all injured parties combined, as a result of a single accident. Also, this coverage has a single limit of liability for all property damage resulting from any one accident. Using the above example of 100/300/50 limits, you will have a limit of $50,000 Property Damage Liability for each accident. The liability section can be separated into three parts: Bodily Injury Liability, Property Damage Liability and Supplementary Payments.

Bodily Injury Liability

This coverage will pay for damages to other people as a result of an accident caused by you or another covered driver. Examples of damages include medical and funeral expenses, lost wages, disability, rehabilitation, pain and suffering, law suit settlements and legal expenses.

Property Damage Liability

This coverage will pay for damages to other people’s property as a result of an accident that is caused by you or another covered driver. Examples of damages include the repair or actual cash value (ACV) of another individual’s automobile or other property and legal expenses.


Collision means physical damage to your covered vehicle caused by an impact with another vehicle or object. This coverage pays the lesser of the cost of repair or ACV of your automobile.

Other Than Collision (Comprehensive)

This coverage pays the cost of repair or ACV of your automobile less any deductible. Losses caused by the following are considered comprehensive claims:

  • Missiles or falling objects;
  • Fire;
  • Theft or larceny;
  • Explosion or earthquake;
  • Windstorm;
  • Hail, water or flood;
  • Malicious mischief or vandalism;
  • Riot or civil commotion;
  • Contact with a bird or animal; or
  • Breakage of glass.

Medical Payments Coverage

This coverage pays for reasonable and necessary medical and funeral expenses due to an automobile accident. Individuals covered under this coverage include: You or any family member while occupying any automobile, or as a pedestrian when struck by a motor vehicle; or Any other person while occupying your covered automobile or any vehicle (private passenger automobile or trailer licensed for road use) driven by you or a family member. The policy will pay up to the limits listed in your policy for each individual injured. The Medical Payments coverage will not provide coverage for any expenses if the injuries occur while occupying a motorized vehicle with less than four wheels.

Uninsured Motorists (UM) Coverage

Your Uninsured Motorist coverage will provide protection when an uninsured driver, who is at-fault, injures you or another covered individual. It also provides property damage coverage.

Underinsured Motorists (UIM) Coverage

This coverage will provide protection when an underinsured driver, who is at-fault, causes injury to a covered individual. An underinsured driver is one whose limits of liability are less than your UIM limits, and not enough to cover the losses of the people the underinsured driver injures in an at-fault accident.

UIM coverage does not provide protection against property damage. The UIM coverage will pay a maximum of the difference between the other driver’s Liability limits and your UIM limits. Caution: The insurance company will not provide coverage if you or your legal representative settles the bodily injury or property damage without the company’s written consent.

Towing and Labor Costs Coverage

This coverage pays for towing and labor costs each time your covered automobile or any non-owned automobile is disabled or the keys are lost, broken or accidentally locked in the car.

Extended Transportation Expenses Coverage (Rental Reimbursement )

This coverage will pay, up to a specified rate and maximum total amount, transportation expenses incurred by you or loss of use expenses for a non-owned vehicle for which you become legally responsible.

Automobile Death Indemnity, Specific Disability and Total Disability Benefits Coverage

This endorsement will provide a benefit for death, dismemberment, specific disability and total disability resulting from an automobile accident.

Driving Record

Maintain a clean driving record. A key element in determining your rates is your driving record. Remember that insurance points will remain on your record for three years.


There are two ways of calculating your refund after cancellation, pro-rata cancellation and short rate cancellation.

Pro-Rata Cancellation

This type of calculation is used when the company cancels your policy. It will generate your refund, without any penalty, for canceling during the policy period.

Short Rate Cancellation

This type of cancellation may be used when the policy is cancelled by you or by a premium finance company. It will generate your refund minus a penalty for canceling during the policy period. The penalty amount varies according to the total premium and the amount of time left in the policy period.