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 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 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.