North Carolina Policyholders: Notice to policyholders recently affected by severe weather. 

Vehicle

Vehicle Insurance

Protection for your wheels, rudders, gears and more.

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Vehicles are Big Investments

Protecting them in case of an accident — and protecting the people in and around them — can give you confidence on the road (lake, mountain…). Coverage may vary based on the vehicle: personal autos, boats, classic cars, RV, motorcycles, ATVs, snowmobiles and more. 

Six Types of Coverage 

1. Liability 

Protects the owners or drivers of a vehicle for amounts they must pay due to an accident.

  • Bodily Injury Liability – Protects you against financial loss if someone is injured or killed by your vehicle and you are found liable.
  • Property Damage Liability – Pays for damage caused to someone else's property — usually another car, but may also include other damaged property.

2. Medical Payments

If individuals in your car are injured as the result of an accident, this coverage will pay for their medical expenses. 

3. Personal Injury Protection (PIP)

Pays for the treatment of injuries to the driver and passengers of the insured's car.

4. Collision

Covers damage to your vehicle if it collides with another vehicle or object.

5. Comprehensive

Pays for losses due to theft or damage caused by something other than a collision. This could include damage from hail, fire, earthquakes, floods, vandalism, animals and more.

6. Uninsured and Underinsured Motorist Coverage

Reimburses you, family members, or a designated driver if an accident occurs that involves someone who is uninsured or underinsured.

Factors That May Affect Your Premium

Factors That May Affect Your Premium

Your premiums are determined by many factors, including:

  • The type of car you drive
  • Your driving record
  • Your credit record
  • How much you use your car
  • Where you live
  • Where you park

Personal Coverage that Fit Your Needs

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