10 Common Car Insurance Questions All North Carolina Drivers Have

We all think car insurance is going to protect us when we need it, no matter what the reason may be. When a car accident happens, it always seems to come when we least expect it, and now we need our insurance company to help us more than ever. That’s when you come to find that your insurance company promises to be your biggest advocate, but ends us being your worst nightmare. 

Here at Statesville Collision Center, we get North Carolina drivers asking us all the time different questions about their car insurance policy.  Many times, these drivers (which might even be you) think they are completely covered, but soon discover that they aren’t covered for nearly half of what they expected. 

It’s important to note in the state of North Carolina, it is illegal to drive without proof of insurance. There are several different fines and penalties for driving without car insurance, including up to 45 days probation, so make sure that doesn’t happen to you.  

To better assist you to answer any questions about car insurance, what different things mean on your policy, what you need, and more, we gathered 10 of the most common questions all North Carolina drivers have. 

Check them out below: 

  1. What is PIP Insurance, and is it mandatory? 

    Personal Injury Protection, or PIP for short, is no-fault insurance that assists drivers to recover any lost wages due to an accident. It also covers medical bills and rehabilitative services. North Carolina is not a PIP state. For a list of PIP states, click here.  

  2. Are newer cars more expensive to insure? 

    Newer cars cost insurance companies more to repair, which is why it’ll be more expensive to insure that car. A big reason why car repair is so expensive nowadays is due to the advancements in car safety technologies you see in today’s cars. However, would you rather pay less on your insurance plan but drive a more dangerous vehicle? Paying more isn’t always a bad thing. Not to mention, North Carolina is the third cheapest state to insure your car for full coverage.

  3. Can I add anyone to my policy? 

    If you all live at the same address, then yes. Anyone can be added to your policy. Just a word of advice: it’s better to keep it in the family instead of your crazy roommate who likes to party on a frequent basis. 

  4. Is insuring my car expensive? 

    Although several factors influence just how much you’ll pay for your premium, car insurance is on the less expensive side compared to what you would pay for your health insurance. Here in North Carolina, car insurance is on the cheaper end. The 2019 annual cost for full coverage was only $1,434 and $542 for minimum coverage. That means it will only cost you $120 a month to insure your car in North Carolina. (source: ValuePenguin)  

  5. Does my credit score affect what my premium rate will be? 

    Yes. If you have a high credit score, the amount you pay in premiums will be significantly less than if you had a low credit score. 

  6. Is it possible to be denied coverage? 

    This is also yes. The reason an insurance company denies a driver service is probably because that driver has a DUI, low credit score (past a certain number), or previous was the cause of a serious car accident. 

  7. Does the specific make and model of my car matter?

    Larger cars can create more significant damage in the event of an accident, which is why they are more expensive to insure. If your vehicle is a newer model with advanced safety features (such as ADAS technologies), this can lower your costs. It’s best to check with your insurance since your vehicle will determine how much you’ll pay on your premium. 

  8. What is Gap Insurance? 

    According to Nationwide, “Gap Insurance is an optional, add-on car insurance coverage that can help certain drivers cover the ‘gap’ between the amount they owe on their car and the car’s actual cash value (ACV) in the event of an accident.” 

  9. Are there any discounts available? 

    Almost all insurance carriers will offer a variety of discounts available to drivers. All you have to do is ask and see what you qualify for. The most common discounts for car insurance are available for military personnel, good students, and those with high credit scores. 

 10. What does auto insurance not cover? 

No matter what company your car is insured with, chances are they have convinced you in thinking your car is completely covered for anything that happens to it. That’s not true. Auto insurance will only cover damages caused by theft, accident, or other destruction. It does not cover repairs and replacements that are caused by the usual wear and tear on a car. 

Where In North Carolina Can I Get My Car Repaired?

Here at Statesville Collision Center, we are committed to providing North Carolina drivers with the peace of mind you deserve when getting your car repaired. We get asked questions about car insurance all the time, which is why we decided to write this so you have the answers you deserve.

Our technicians are all I-CAR Gold Class certified, which only about 10% of auto repair shops achieve. This means that our technicians have received the highest level of training and know what it means to repair your car the right way. We are always checking OEM repair procedures and understand what it takes to give you the best possible repair out there!

Our motto is, “we may not be related, but you’ll feel like we’re family!” This is because we genuinely care about North Carolina drivers receiving the highest level of repair possible for their vehicles.

Feel free to give us a call at (704)-881-0410. If you’d like to schedule an estimate or get an online quote, we’re more than happy to help out! We offer these on our website to make the car repair process as stress-free as possible!

We look forward to hearing from you!