Auto insurance is among the essential coverages to have. Auto insurance provides car owners with financial protection against unforeseen accidents that might be difficult to recover from without insurance. Selecting the right coverage can be difficult, which is why William Viviano Agency is here to help you throughout the process. 

What Is Auto Insurance? 
Auto insurance is a type of coverage that helps you cover expenses if you are involved in a car accident. You must pay an insurance premium to receive financial assistance from your insurance provider following a covered accident. Insurers commonly require policyholders to pay a deductible for certain claims; a deductible is an out-of-pocket expense you must pay after an accident before being assisted by insurance. Work with William Viviano Agency to learn more about what a policy from us entails.  

What Does Auto Insurance Cover? 
Although policies vary among car owners, standard auto insurance typically includes the following: 

• Liability insurance helps insure against claims arising from damage or injuries you cause to others if you are at fault in a wreck.
  • Bodily injury liability coverage helps cover their medical bills (and, in some cases, deaths).
  • Property damage liability helps pay for damage to the other driver’s property, such as their car.
• Collision insurance helps cover damages to your vehicle after a wreck or collision with an object (e.g., fence, street sign).
• Comprehensive insurance helps pay for damages caused by non-collision mishaps, such as weather damage.
• Uninsured/underinsured insurance helps insure you against damage caused by someone else who doesn’t have appropriate liability coverage.
• Medical payments coverage (Medpay) helps cover medical bills for you and your passengers after an accident, regardless of fault. 

Contact the agents at William Viviano Agency to learn more about additional or alternative coverages to include in your policy. 

Do I Need Auto Insurance? 
Auto insurance is mandatory coverage in North Carolina. Car owners must carry a minimum of liability insurance, but it’s essential to carry more coverage than the bare minimum requirements. Our agents can assist you in learning more about the right coverage to have. 

Learn More 
If you are a car owner near Huntersville, Mooresville or Charlotte, North Carolina, the agents at William Viviano Agency can help you learn about auto insurance so you can decide on the right coverage for your car. 

For more information, contact us at 704-566-1189 to request a quote.