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Auto Insurance in Raleigh, NC: Get the Perfect Coverage for Your Needs

Auto Insurance in Raleigh

Driving in Raleigh, North Carolina, can be challenging. With busy roads and unpredictable weather conditions, it's essential to have auto insurance to protect you, your loved ones, and your vehicle in the event of an accident.

That's why at Direct Insurance Network, we offer various auto insurance coverage options tailored to your specific needs so you can get the coverage you require at an affordable price. Whether you're looking for continuous liability coverage (mandatory in North Carolina), collision and comprehensive coverage, or medical payments coverage, we've got you covered.


Our Auto Insurance Coverage Options in Raleigh, NC

When it comes to safeguarding your vehicle and peace of mind on the busy roads of Raleigh, you can count on Direct Insurance Network to provide you with the coverage you need. Here's an overview of the different types of auto insurance coverage we offer in Raleigh, NC:

Collision and Comprehensive Coverage

Collision and comprehensive coverage are two essential coverages. Collision coverage pays for damage to your vehicle if you're involved in an accident with another vehicle, regardless of who's at fault. Collision coverage may also pay for damages to your car if you knock an object, such as a fence or guardrail.

On the other hand, comprehensive coverage pays for damage to your car from non-collision-related incidents like theft, vandalism, fire, falling objects, or severe weather.

Collision and comprehensive coverage usually include a deductible, which is the amount you'll pay out of pocket before your insurer covers the remaining expenses. For instance, if you have a $500 deductible and file a claim for $1,500 in damages, you will pay $500 and your insurer will cover the remaining $1,000.

Liability Coverage

Auto insurance liability coverage is required in most states, including North Carolina. It covers the costs of bodily injuries and property damage other parties incur if you're liable for an accident.

There are two types of liability coverage:

  • Bodily injury liability: Pays damages for bodily injuries to others if you're responsible for an accident.

  • Property damage liability: Pays for damage to someone else's property if you're responsible for an accident.

In North Carolina, motor vehicle owners must have continuous liability coverage. Unlike general liability coverage, continuous liability coverage remains uninterrupted over a specific period without any lapses or gaps in coverage.

Medical Payments Coverage

Medical payments coverage pays for accident-related medical bills for you and your passengers if you're injured in an accident, regardless of who's at fault. It may cover medical expenses such as hospital visits, surgery, and prescription medications.

Personal Injury Protection (PIP)

Personal injury protection (PIP), or no-fault insurance, goes beyond medical payments coverage by covering lost income, rehabilitation costs, and funeral expenses for you and your passengers if you're injured in an accident.

Uninsured and Underinsured Motorist Coverage

Unfortunately, not all drivers have sufficient insurance coverage. Uninsured and underinsured motorist coverage protects you when you're involved in an accident with a driver without insurance or adequate coverage.

Optional Coverage

At Direct Insurance Network, we go the extra mile to offer additional auto insurance coverages, such as towing coverage, rental reimbursement, and roadside assistance.


Get the Right Auto Insurance Coverage Today

At Direct Insurance Network, we understand that the right auto insurance coverage can give you confidence and peace of mind when you're behind the wheel. That's why we offer a comprehensive array of coverage options, so you can get the coverage you need at a price you can afford.

Ready to drive in Raleigh, NC, with confidence? Contact us today to learn more about our various auto insurance coverage options or to get a free quote.