As an auto insurance seeker in Charlotte, NC, it’s important to familiarize yourself with a few key terms. This knowledge will help you get the coverage you need while also ensuring that you’re getting affordable premiums. At Kempton Insurance Group, we’re here to guide you through the entire process.
Key Terms for Coverage
When you get coverage for your vehicle, you’ll need to meet the state minimums. However, knowing all of the terms that can offer coverage will ensure you’re protected to the fullest.
Bodily Injury Liability: Provides coverage in the event that someone gets injured.
Property Liability: Provides coverage for your property or the property of others if something gets damaged.
Collision: You are covered if you get into any kind of collision, whether it’s with a vehicle, a guard rail, or even a mailbox.
Comprehensive: This covers against anything that isn’t your fault, including things outside of your control, such as hail damage, a rock to the windshield, or a shopping cart hitting your car in a parking lot.
Key Terms for Creating Your Custom Policy
Your custom policy needs to be built based on the kind of vehicle you drive, how many miles you drive, and even where you park your vehicle when it’s not in use.
One of the main terms you need to consider is "deductible." This will be the amount you pay out of pocket after filing a claim before the insurance company pays.
Another term to be aware of is "claim." This is when you report an accident to the insurance company to identify that you need their help with financial compensation.
Talk to Our Knowledgeable Insurance Agents
There’s no need to get confused about the terms or get a policy that you can’t depend on. Our agents at Kempton Insurance Group can talk to you about the many coverage options. We’ll guide you through the process to ensure you have a custom policy that focuses on your needs.
We can get multiple quotes, too, so you can be sure you’re not paying more than necessary on premiums.
Contact us today to let us help you with a policy around the Charlotte, NC area.
