Owning a car is a significant responsibility. Not only do you have to keep up with routine maintenance, but you also need to ensure you obtain an auto insurance policy that covers you if an accident or other incident occurs. 

What Does Auto Insurance Cover? 

An auto insurance policy typically includes five main types of coverage, which are as follows: 

1. Liability coverage includes two different types of coverage packaged together. 

- Bodily injury liability can help pay for injuries to other drivers, their passengers and any hurt pedestrians if you are at fault in an accident. 

- Property damage liability can help pay for damage to another individual’s property, including their car, if you are at fault in an accident.  

2. Medical payment (MedPay) coverage may help pay for the treatment of injuries to the insured driver and their passengers after an accident, regardless of fault. 

3. Collision coverage may help pay for damage resulting from a collision with another car or object, regardless of fault. 

4. Comprehensive coverage helps reimburse losses due to a covered event that isn’t a collision, such as fire, falling objects, explosions, earthquakes, windstorms, flood, vandalism or damage from wildlife. 

5. Uninsured/underinsured motorist coverage helps cover expenses related to injuries and property damage when hit by an uninsured, underinsured or hit-and-run driver. 

How Much Auto Insurance Is Enough? 

Each individual’s insurance needs are different. The right policy can help you comply with applicable state laws and provide essential financial assistance after a covered incident. Talk to your insurance agent to help ensure you have enough coverage for your vehicle type, driving habits and location. 

How Long Is Car Insurance Good For? 

Auto insurance policies are typically in effect for a six- or 12-month period, and they may renew at the end of the term. If you want to change your policy, discuss its specifics or switch providers, reach out to your agent. 

How Far Back Do Auto Insurance Companies Look? 

Car insurance providers typically look at the last three to five years of your driving record to help determine your rates. The exact time frame may vary depending on your insurance provider’s guidelines and location. 

Auto Insurance Quote in Raleigh, NC 

For more information about the intricacies of auto insurance, contact Grimes Insurance Group. We can help you get the coverage you need.