Auto Insurance
Unexpected accidents happen on the road every day. If one of these accidents were to result in personal injury, medical expenses, or damage to your vehicle, would your insurance cover you? Carey Insurance Agency’s knowledgeable staff is standing by ready to help you understand the coverage available to you.
For your convenience we offer several regional and national insurance companies so you can get the insurance you need at a rate you can afford.
Our experienced agents can address any need you may have and ensure that your policy can give you peace of mind and make every loss made full.
TRUST IN CAREY INSURANCE AGENCY
Bodily Injury
Liability coverage for injuries caused by you.
Collision Coverage
Physical damage coverage to your own vehicle caused by a collision with another vehicle or object.
Comprehensive Coverage
Often called “other than collision”, comprehensive coverage protects against a loss that can include fire, theft, hail or a collision with animals.
Uninsured & Underinsured Motorist Coverage
Unfortunately, not everyone carries car insurance or drives with adequate coverage to fully compensate for a loss. Uninsured and Underinsured motorist coverage will reimburse you for your loss in the event that you’re in an accident with such a driver.
Property Damage
Physical damage coverage to someone else’s vehicle in the event that you’re at fault for the accident.
Medical Payments
Coverage that helps with medical costs after you or your passenger are injured in an auto accident, regardless of fault. Ambulance charges and funeral expenses are also known to be covered with medical payments coverage.
Can I insure multiple vehicles on one policy?
Yes, many insurance companies allow multiple vehicles to be insured on the same policy. Multi-vehicle policies are common for households in Harrisburg and Mint Hill, North Carolina and may qualify for discounts.
What is gap insurance?
Gap insurance helps cover the difference between what you owe on a vehicle loan and the vehicle’s actual cash value if it’s totaled. It’s commonly recommended for newer financed vehicles in North Carolina, especially if the loan balance is higher than the car’s value.
What happens if someone borrows my vehicle and gets into an accident?
If someone borrows your vehicle and causes an accident, your auto insurance policy may be used first to cover damages. Drivers in North Carolina should understand who is listed on their policy and how permissive use rules apply.
Does auto insurance cover windshield replacement?
Many auto insurance policies cover windshield repair or replacement under comprehensive coverage. Some drivers in North Carolina may even qualify for low or no deductible glass coverage, depending on their policy and state laws.
Should I file a small auto insurance claim?
Before filing a small claim, consider your deductible and the repair costs. Drivers in North Carolina sometimes choose to pay minor damages out of pocket to avoid possible rate increases from filing a claim.
Can I insure a car registered in another state?
Yes, but insurance and registration requirements can vary. Drivers who split time between states or move frequently should make sure their policy complies with both registration and insurance laws in the appropriate states.
Do married drivers pay less for auto insurance?
Married drivers may receive lower auto insurance rates because insurers often view them as lower-risk drivers. Savings can vary depending on driving history, location, vehicle type, and other rating factors.
What is personal injury protection (PIP)?
Personal injury protection, or PIP, helps cover medical expenses, lost wages, and certain related costs after an accident. PIP coverage requirements vary by state and may be mandatory in some areas.
Is PIP required in North Carolina?
Some states require personal injury protection as part of auto insurance policies, while others make it optional. Drivers in North Carolina should review current state insurance requirements to understand whether PIP coverage is necessary.
Can I pause my auto insurance coverage?
Some insurance companies offer options for stored or seasonal vehicles, but fully canceling coverage can create gaps in insurance history. Drivers in North Carolina should discuss available options before pausing a policy.