North Carolina drivers take out auto insurance for two basic reasons. First and foremost, to cover the costs associated with accidents and other losses. Secondly, because the state mandates that drivers have liability and uninsured motorist coverage. But the state’s low thresholds could fall far short of actual losses involving crashes and property damage. That’s why it may be a good idea to update your current policy. At the JC Demo Insurance Group, our trained professionals are available to work with people in the Matthews, NC area to create and update policies.

Minimums Don’t Provide Adequate Coverage

Mandated coverage limits are likely to fall far short in the event of a significant car accident. Between the high cost of medical treatment, surgery or rehabilitation, those limits could be quickly exceeded. Once that happens, you could face a civil lawsuit if found to be negligent. Being in a situation where you could have your wages garnished or liens placed against property makes little sense when you could have simply put adequate coverage limits in place. It’s important to not put yourself in a vulnerable position by being underinsured.

Opt for Optional Insurance

Optional coverage tends to be a cost-effective way to help avoids out-of-pocket expenses. For example, having adequate collision insurance could come in handy for expensive repairs associated with a crash. Stop and think about how much bodywork and repainting alone could run. Do you really want to pay that out of your earnings?

Taking out comprehensive coverage also makes good sense. There’s no knowing when a vandal could scratch of spray paint your vehicle. It’s important to be prepared for the unexpected. There are also plenty of miscellaneous expenses associated with auto accidents such as towing and car rentals while your vehicle is being repaired. They say the “devil is in the details” and it may be time to take a long look at your auto policy and make some changes.

At JC Demo Insurance Group, our industry professionals are available to update existing policies so that you have adequate coverage should the unexpected occur. It’s our pleasure to serve the good people of the Matthews, NC community and we look forward to working with you.