What Does Auto Insurance Cover?
Auto insurance can provide coverage for different types of damages, depending on the policy. Here are some of the most common coverage types:
- Liability coverage: This type of coverage is required by law in most states. It covers the cost of damage to other people's property or injuries they sustain in an accident for which the policyholder is responsible.
- Collision coverage: Collision coverage pays for damages to the policyholder's vehicle that result from a collision with an object or another vehicle.
- Comprehensive coverage: This pays for the cost of repairs or replacement of your vehicle if it is damaged by something other than a collision. This can include vandalism, theft, or a natural disaster.
- Uninsured/underinsured motorist coverage: This coverage pays for the policyholder's damages if they are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.
Fairway Insurance & Risk Management is your local car and truck insurance specialist. Whether you drive a high value new car, a classic car that appreciates in value or a 30-year-old low value car, we have the knowledge and the resources to get you the best coverage for the best rates in North Carolina.
Unlike other insurance agencies in NC, we remain an independent agency. This means we can shop multiple insurance companies to offer you the best car and truck insurance coverage for the lowest insurance rates in NC. We have multiple A-Rated insurance companies to choose from.
We understand not everyone has the same insurance needs, that is why our Insurance Advisors take the time to explore all your coverage options with you to make sure you have exactly what you need and do not pay for coverage that you do not need.
No Accidents in the last 5 years? We offer the best car insurance rates for good drivers. If you have not had an accident or moving violation in the last 5 years you may be paying too much for your car insurance. We also offer great rates for new drivers, drivers with accidents and drivers with moving violations.
Auto Insurance can be complicated if you do not have the right agent. Let one of our Insurance Advisors walk you through the process. We will show you how to save with auto insurance discounts. Here are some examples of auto insurance discounts offered by our insurance carriers.
- Safe Driving Discount
- Airbag Discount
- Smart Tech Discount
- New Car Discount
- Paperless Discount
- Continuous Insurance Discount
- Anti-lock Brake Discount
- Passive Restraint Discount
- Prior Bodily Injury Discount
- Advance Quote Discount
- Multi-Policy Discount
- Payment Plan Discount
- 55+ Discount
- Homeowner Discount
- Multi-Car Discount
- Good Payer Discount
