When looking at the additional coverage for your North Carolina car insurance, you should consider carefully. While the additional coverage isn’t required, there are several good things you can enjoy from having the extra security. You will also find that many lenders will require you to possess this extra coverage to ensure that you are able to replace or repair your car in the case of an accident. This extra coverage can also provide you with a way to pay off the car if it is totaled in a crash and is unrepairable.
If you are purchasing collision coverage for your North Carolina car insurance, then you should know that this will pay for damages to your car in a collision. For example, if a car swerves in front of you and you collide into the other car. This is important as many people don’t understand that this is all collision covers. Another example is if you run into a car that has run a stop light. This coverage can assist in paying for the repairs or will pay for the repairs to your car completely. In cases where your car is totaled it will pay to replace your car as well.
It has been said that comprehensive coverage is one of the most important additions to any North Carolina car insurance policy as it covers a wide variety of damages. However you need to keep in mind that this only pays for damage that occurs when the car is not in motion. For example, you get a new neighbor who has an unruly teen that vandalizes the neighborhood and keys your car. Comprehensive coverage will pay for the damage done to your car in the event that it is vandalized. It will also pay for damages if a car slides on the road and collides with your car while it is parked.
Towing and labor as well as rental car coverage on your North Carolina car insurance can also be helpful in the event your car needs to be towed, requires a great deal of labor, or you need a rental. Your insurance will pay for all of these costs in the case of an accident or if your car needs to have repairs. While each insurance company is different, you should always inquire the specifics of this part of your coverage to ensure your use of it is what they are willing to pay for.