When it comes to auto insurance, it is basically a must-have in most places. In other words, the first thing to do after you buy a car is to obtain auto insurance. It’s vital to not just get an auto insurance plan but to obtain one that covers you for any event.

Here at Dan Thompson Agency, we offer Raleigh, NC area drivers auto insurance plans that best fit your needs. We have different types of auto insurance that help keep you covered. 

In this blog post, we’ll discuss more what is covered in a basic auto insurance policy. We’ll also talk about how it can benefit you whenever an unexpected event arises.

Bodily Injury Liability

As in many cases, bodily injury coverage is required as is the case in North Carolina. This type of coverage refers to injuries you cause other people to have while on the road. You and other family members on the policy are also covered when driving other peoples’ cars with their consent.

It’s vital to have a sufficient amount of liability insurance. We say this because if you’re in a serious accident, you may be in a lawsuit that involves a big sum. In North Carolina, it’s required that your policy provides at least $30,000 bodily injury coverage for each person. It’s also a must that your policy provides $60,000 total bodily injury for all people in an accident.

With that said, it’s advised that your policy includes more than the state-required minimum liability insurance. You want to be sure that your auto insurance policy includes enough to protect your assets and savings.

Personal Injury Protection (PIP)

The PIP covers injuries to both the driver and passengers. PIP covers medical payments, lost wages, and service replacement fees normally performed by someone injured in a car accident. On top of that, PIP may also cover funeral costs associated with car wrecks.

Uninsured Or Underinsured Motorist Coverage

This type of insurance covers you, a family member, or an authorized driver in certain cases. It covers you in case one of you gets hit by an uninsured driver. It also covers you if that other driver does not have enough insurance to pay for your total loss.

This type of coverage also protects insured drivers if they’re the victim of a hit-and-run. The same goes for if, as a pedestrian, you are hit by an uninsured or underinsured driver.

Property Damage Liability

This type of auto insurance plan pays for damages you or an authorized driver may cause to another person’s property. In North Carolina, it’s a must that your policy provides at least $25,000 for property damage. This type of coverage does cover damage to someone else’s car. Also, it covers damages to lamp posts, buildings, fences, and other structures that your car hits.


This type of auto insurance coverage will cover you for events other than a car wreck. Comprehensive covers events such as falling objects, natural disasters, vandalism, riots, or contact with animals. On top of that, it will also cover windshield repairs if it’s cracked or shattered. 

Most of the time, this type of coverage is sold with a separate deductible. There are cases where some insurers may offer the windshield part of the coverage with no deductibles. Comprehensive coverage will no doubt make you feel at ease knowing that you’re covered even in unlikely events like these.


This type of auto insurance coverage will cover damages to your car resulting from a crash with another car. Also, it covers collisions with objects such as trees or poles or if the car flips over. It even covers damage due to potholes.

In most cases, this type of coverage is sold with a separate deductible. Even if you’re in an at-fault accident, your policy will reimburse your car repair expenses, minus the deductible. If it’s not an at-fault, your insurance company works to recover the money they paid you from the other driver’s company. If they succeed, your deductible will be reimbursed as well.


Towing coverage is an optional auto insurance coverage that protects you against some of the costs related to car breakdowns. This could be a result of a dead battery, flat tire, or engine failure. Of course, nothing beats taking proper care of your car over time to avoid breakdowns in the first place. With that said, you’ll rest easy knowing that you’ll be covered when the time does come to ask for help.

Rental Reimbursement

Rental reimbursement coverage is most commonly used when your own vehicle is being repaired after a covered insurance claim. This is typically an optional coverage that helps pay for transportation expenses like a rental car or public transportation fare. What it doesn’t cover are events where your car needs routine maintenance. It also doesn’t cover you if you need to rent a car for vacation. Rental reimbursement sure comes in handy if you need to get around while your car is in the shop.

Go With Auto Insurance That Best Fulfills Your Needs

In the end, it comes down to what your needs are when you’re selecting the right auto insurance for you. You should always consider your car’s value, your budget, and your ability to repair or replace it if something happens. It’ll go a long way in helping you choose an auto insurance policy that best helps fulfill your needs.

Here at Dan Thompson Agency, we have auto insurance policies that help keep you covered in whatever situation that arises. Have questions about how our plans can help fulfill your needs? Give us a call at (919) 646-3160. We’ll help Raleigh, NC area drivers like yourself get on the road with coverage that keeps you in great hands.

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