Owning and operating a car or truck is a great convenience and one of life’s most rewarding experiences. But when you drive you are responsible for the safety of your passengers, your fellow drivers, pedestrians and yourself, as well as the property of others. Auto insurance provides you the means to cover the cost of injuries and/or damages that may result from a car accident. Insurance also protects your investment and provides a guarantee to a lending institution should you need to borrow money to purchase your car.
If you have purchased or registered a vehicle in North Carolina, you know that you are legally required to have auto insurance. North Carolina law requires that all drivers have Liability insurance, which covers the costs of injuries and damages from a car accident for which you are considered at fault. The law sets minimum levels of liability coverage to cover bodily injury and property damage.
The state also requires that you have Uninsured Motorist Coverage. This insurance helps pay for your own injuries should you be involved in a car accident with an uninsured driver. The same minimum liability coverage limits apply to uninsured motorist coverage.
With convenient offices in Winston-Salem and Walnut Cove, your Alliance Insurance Services agent can explain these minimum auto insurance requirements to you.
Of course, car insurance is also about peace of mind. Your car is one of the most expensive purchases you will ever make. As a result, Alliance Insurance Services offers additional optional coverage, including Collision and Comprehensive insurance. Collision covers damages to your car resulting from a collision with another moving vehicle. Comprehensive auto insurance covers other damages to your car not related to an accident, such as vandalism or theft. Car insurance is also available to cover the costs of towing, and to protect you when you are driving a rental car.
State law does not require collision and comprehensive coverage, but you will be required to have this coverage if you are financing or leasing the vehicle.
What Parents Need To Know About Their Teen Driving With A Learner’s Permit
A young driver with a learner’s permit is in most cases covered by his or her parents’ auto insurance policy while they are driving their parents’ car with a licensed adult in the car. There is usually no extra charge until the young driver receives his or her license, but the insurance company should be notified that a young driver is driving the car or truck on a learner’s permit. Your Alliance Insurance Services agent can explain your insurance company’s procedure for including a young driver with a permit on your policy.
The Alliance Insurance Services Guarantee
At Alliance Insurance Services, we believe that when it comes to selecting an insurance agent, the most important factors are Protection, Price, and Service. Protection of your most valuable assets is what insurance is all about. As your insurance agent, it is our job to make sure you are adequately insured.
As an independent insurance Agent, we represent more than 20 top-rated insurance companies. This means we shop your auto insurance for you, offering you the best possible coverage for the best price.
And when you have a question, concern, or problem, we are here for you! From setting up your policy, to assisting you with filing a claim, we serve as your personal insurance advisor. We have offices in Winston-Salem and Walnut Cove. And our Summit Square Boulevard office in Winston-Salem has extended hours (until 6pm Monday thru Friday) and every Saturday for your convenience.