Auto coverage, filed and rated the way it should be.
Liability, physical damage and the coverages North Carolina requires — one filed rate programme, applied the same way to every driver we quote.
Five coverages, one policy.
Every North Carolina auto policy we write starts from the same filed programme. Limits and deductibles are the underwriter’s call; the coverage list is not.
Liability
Bodily injury and property damage liability — what pays when you’re at fault for someone else’s injury or damage.
Collision
Repairs your own vehicle after an accident, whoever caused it, up to its actual cash value.
Comprehensive
Covers what isn’t a collision — weather, fire, theft, animal strikes and glass.
Uninsured & underinsured motorist
Steps in when the other driver has no insurance, or not enough of it, to cover what happened.
Medical payments
Pays medical bills for you and your passengers after an accident, regardless of who was at fault.
The rate programme rewards the same things every year.
Safe driver
A clean record for a defined period reduces the base rate before anything else is applied.
Multi-car
Insuring more than one vehicle on the same policy lowers the per-vehicle premium.
Paid-in-full
Paying the full term premium up front avoids installment fees and earns a rate credit.
Claims answered at any hour, adjusted in days.
Personal auto, answered
Anything else, an agent can answer while looking at your actual driving record.