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Heavy Traffic and Your Auto Insurance
Driving in the major cities in the states have become more challenging as the cities have grown, and the traffic has followed suit. Busy roads and heavy traffic make the likelihood of getting into an accident with your vehicle higher every year. At Kempton Insurance Group, we are independent agents who can offer you a selection of policy options from a wide variety of carriers. We are well versed in auto insurance requirements and will help you to make sure that you comply with the state's insurance laws.
State Requirements
In the state of North Carolina, drivers are required to carry liability insurance. This protects others in an accident where you are the driver who is at fault. It covers both personal injury and property damage. This coverage will have both per person and accident limits. The limits required by the law are 30/60/25, $30,000 per person, $60,000 per accident, and $25,000 for property damage. Coverage must be continuous and provided by an insurance company licensed to do business in North Carolina. Failure to do so will result in fines and fees.
Going Beyond Basic Policies
Basic required coverage may not be enough for you. If you have assets, basic liability coverage can put them at risk. Talking to us can help you come up with a figure for your liability insurance that will give you enough coverage to have peace of mind.
Beyond basic liability coverage, we offer uninsured and underinsured motorist insurance as well as collision and comprehensive coverage. These coverage options help to protect you and your vehicle in an accident whether or not you are found at fault. In the case of comprehensive insurance, your vehicle is protected against a variety of hazards other than collisions such as theft, vandalism, and weather events.
Protecting you and your vehicle is what we are all about at Kempton Insurance Group in North Carolina, South Carolina, and/or Virginia. Let us help you get the coverage that is right for you. Stop by our office or give us a call for a free no-obligation quote.
