Although most states require drivers to carry liability insurance, drivers often need to carry more than the state-required minimum auto insurance. Full coverage auto insurance is often recommended if you have an auto loan or a new car. Many people would be ill-prepared to pay out of pocket for damage to their late-model vehicle. Auto insurance has many benefits and protects the driver and other drivers. Our team at Hedgepeth-Hutson Insurance Services Inc. is dedicated to educating Nashville, NC, drivers on the benefits of car insurance. 

What are the benefits of auto insurance?

Auto insurance provides a lot of protection for both the driver and other drivers through liability, collision, and comprehensive coverage. Liability protects other drivers and their property that you may damage. Collision coverage protects you, your car’s damages, and your injuries, while comprehensive coverage covers many kinds of accidents and situations that may not involve a wreck. The coverage type depends on your specific type of auto insurance. 

I just paid off my car loan. Is full coverage auto insurance still a necessity?

Maybe. If you own a late-model car, it may be challenging to pay for damage that your vehicle may sustain due to an auto accident. Auto insurance pays for the repair of your vehicle minus your deductible. This is often a huge savings for most drivers. If you’re a driver with a car loan, your loan company often requires you to carry full coverage auto insurance until your car is paid for in full. However, once you pay your car off, you are no longer required to carry full coverage auto insurance. However, this doesn’t mean reducing your coverage is a wise idea. If the cost of insuring your car exceeds its value, it may be wise to drop full auto insurance coverage. Likely, your insurance company wouldn’t pay for repairing your vehicle if it were critically damaged in an accident because the damage would exceed your car’s value. If you have questions about auto insurance, call us. We’re standing by. 

If you are a driver in the state of North Carolina, the auto insurance experts at Hedgepeth-Hutson Insurance Services Inc. in Nashville, NC want you to know that auto insurance is required to be able to drive your car, truck, or SUV legally. You only have a minimum liability auto insurance policy to drive legally and avoid fines or other repercussions. Still, you may want to consider more auto insurance to protect yourself and your vehicle.

Auto Insurance Coverage Options

When it comes to auto insurance, there are many coverage options you can choose from. Below is a detailed list of the main ones you may want to consider to provide you with the peace of mind you deserve when you’re on the roadways.

Underinsured or Uninsured Auto Insurance

You never know what will happen in the future, including auto accidents. Unfortunately, they do happen, and if you happen to be involved in one with someone who has no insurance or very little auto insurance, this type of coverage will come in handy. It will help you pay for any damage to your vehicle and any medical bills you incur.

Comprehensive Insurance

You never know what mother nature has in store for us, so comprehensive auto insurance is a good idea. This type of coverage will help you out if your vehicle is damaged or destroyed in a natural disaster or even a fire. It will also help you repair or replace your vehicle if it is vandalized or stolen.

Collision Insurance

Collision insurance will help pay for any damage to your vehicle if you collide with an object or even another vehicle.

If you owe money to a lender for your vehicle, your lender likely requires you to have both collision and comprehensive auto insurance to protect their own investment, which they made in your vehicle. Even if your vehicle is paid off, these two types of auto insurance are very important to protect the investment you made in your vehicle.

Contact Hedgepeth-Hutson Insurance Services Inc.

To create an auto insurance policy that provides adequate coverage for your vehicle, contact the auto insurance specialists at Hedgepeth-Hutson Insurance Services Inc. in Nashville, NC today!

Like most states, you must invest in car insurance in North Carolina if you want to operate your car legally. Failure to purchase car insurance puts you at risk of fines and penalties, including license suspension. Besides, you are responsible for all the liability claims if liable for the accident.

While motor vehicle insurance is mandatory, there are plenty of other reasons you need to invest in car insurance from Hedgepeth-Hutson Insurance Services Inc. Let’s look at some reasons:

• To protect your assets: If you don’t have car insurance, you may be putting your assets in jeopardy. Failure to invest in car insurance means you will have to cover repairs and even replacement of your vehicle from your pocket. If you don’t have adequate savings, your dream car could rot in the garage. However, if you invest in car insurance, the coverage takes care of your car when accidents and other perils occur.
• Liability protection: You may be careful on the road, but it only takes a single lapse in concentration to cause an accident. If you are at fault for an accident, you are held responsible for property damage and bodily injury to third parties. Worse yet, your finances could take a turn for the worst if you are sued.
• To supplement your health insurance: Following a car accident, it’s not uncommon to suffer auto injuries. While your health insurance covers a generous amount of the medical bills, you need auto insurance to offset aspects of your medical bills not covered by your health insurance.
• Peace of mind: Car insurance gives you an easy time on the road because you don’t have to worry about risks when driving. Plus, you can sleep soundly at night without the worry of someone stealing your car.

Do the above benefits appeal to you? If you are in Nashville, NC and its environs, please contact Hedgepeth-Hutson Insurance Services Inc. for a competitive quote.

Hedgepeth-Hutson Insurance Services, Inc. serves the Nashville, NC community by offering a wide range of insurance coverage. We take the time to assess each of our client’s situations to help them find the right policy for their individual needs. We are committed to offering our clients quality customer service.

Comparing Comprehensive Auto Insurance Coverage Vs. Collision Coverage

Auto insurance helps cover you as you travel around Nashville, NC. There are two primary types of coverage that you can add; comprehensive and collision. You can also add supplemental coverages to your policy. Uninsured motorist coverage will protect you if your vehicle is damaged by someone who does not have coverage. Emergency coverage protects you if you need urgent towing service or another type of roadside assistance.

Comprehensive

Comprehensive coverage protects your vehicle if it is damaged due to a fire or another type of natural disaster. You are also covered if your vehicle is stolen or vandalized. Comprehensive coverage helps you prepare for freak accidents, such as a flying object causing damage to your vehicle or an animal colliding with your vehicle. Comprehensive coverage also protects your vehicle if inclement weather causes damage to your vehicle.

Collision

Collision coverage protects your vehicle if you are involved in an accident with another driver or object. You are covered if your vehicle runs into a tree or pole. You are also protected if your vehicle hits a pothole and causes damage.

Factors To Consider

Think about the amount of mileage that you have on your vehicle. If you do a lot of driving, consider adding comprehensive coverage because the risk of being involved in an accident is higher. If you drive your vehicle for business-related endeavors, consider adding comprehensive coverage.

Hedgepeth-Hutson Insurance Services, Inc. Will Help You Stay Covered On The Road

Please explore our website today to learn more information about auto insurance.

Owning a car in the Nashville, NC area is a necessity for a lot of people. When you own a car in this area, it is vital that you have it adequately covered by insurance. There are several reasons why you should have auto insurance at all times when you take your car out on the road.

Compliance with Legal Requirements

One reason why you need to get auto insurance in North Carolina is that it is required by state law. Driving a car always comes with some form of risk. If you were to cause an accident, there could be a lot of damage. Due to this risk, the state wants to ensure that all people can pay for damages. Those that do not meet the minimum liability requirements for auto insurance could be penalized.

Compliance with Loan Documents

Additionally, you will also need to get auto insurance to ensure that you can comply with various loan documents. If you do take out a loan to buy your car, you will undoubtedly be required to maintain auto insurance at all times. The lender will require that you have more than just liability insurance. This will generally include requiring you to have a full collision and comprehensive policy to provide adequate and necessary coverage. 

Choosing a good auto insurance policy in the Nashville, NC area is an important decision. When you are looking for insurance in this area, you should call the team at Hedgepeth-Hutson Insurance Services, Inc. as soon as you can. When you do call Hedgepeth-Hutson Insurance Services, Inc., you can be assured that you will receive the personalized attention and service that you need to make the right auto insurance decision for your situation.