16 Sep Auto Insurance Terms to Keep In Mind

“Driving is a privilege, not a right.” You may have heard this over and over when you were a young, beginner driver. But just because you have grown up over the years does not mean this rule has change. And unfortunately this privilege causes numerous harmful car accidents. Although the statistic can be scary to look at, the numbers speak louder than the words. According to the North Carolina Department of Transportation, 226, 571 car accidents occurred in the state of North Carolina in 2014. This number is dramatically high not to consider what basic insurance coverage is included in your auto insurance plan. Here are some basic ideas that you should keep in mind when designing your auto insurance plan.
• Collision Coverage– Collision coverage pays for damages t your car when your car hits, or is hit by, another vehicle or other object
• Bodily Injury liability- Bodily injury liability provides protection if you injure or kill someone while operating your car. If a lawsuit is filled against you, it also provides legal defense.
• Property damage liability- Property damage liability protects you and your car if you damage someone else’s property. Also, if a lawsuit is filed against you, it protects you with legal defense.

These are just three of six coverage’s that you can add to your auto policy. Auto policies can range from six months to a year. It is a good idea to know what kind of coverage’s you auto policy gives you. As always, Spivey Insurance Group is here to answer your questions and to assist you with your policies. Call us at 704.821.4460 .