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Details of Fayetteville Car Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 08/17/2014

Every wonder what is really covered under that required Fayetteville Car Insurance?

Fayetteville car insurance

Just because you have to purchase Fayetteville car insurance, doesn’t mean that you shouldn’t know what you are buying.

All drivers know that they are required to carry liability coverage on the Fayetteville car insurance in order to be able to drive. This requirement was created by the State of North Carolina and is required of every driver in the state, no matter where they live in the state.

However, even though drivers know that it is a requirement, most of them have no idea what these coverages actually take care of if they were to ever cause an accident.

Bodily Injury Coverage of Fayetteville Car Insurance

The required bodily injury liability coverage only pays for damages to other people that were not in your vehicle at the time of an accident that was your fault. This coverage pays for medical bills, funeral expenses, disability payments, lost wages, rehab treatments (physical therapy, etc.), pain and suffering settlements, legal expenses, and law suits.

Property Damage Coverage of Fayetteville Car Insurance

Property damage liability coverage pays for damages that you cause to another person’s property. This can include a vehicle, a home, a yard, or even traffic devices and equipment owned and maintained by a government entity (stop signs, guardrails, etc.). This coverage will pay to repair the damage you have done, or if it cannot be repaired then actual cash value will be offered for the item.

Supplementary Payments of Fayetteville Car Insurance

Supplementary payments are payments that are made in addition to the above coverages. Your agent can give you the details of your policy’s specific limits for these coverage and any exclusions that may apply.

These supplementary payments can include:

  1. Emergency first aid administered to others at the scene of the accident
  2. Bail bonds
  3. The premiums on appeal bonds and bonds to release attachments
  4. Loss of wages due to attending hearings and trials at the insurance company’s request
  5. Other reasonable expenses accrued due to the insurance company’s request

Please take note that these items that are paid out by your insurance company are just about always for someone else other than you. If you want your interests protected also, talk to your Fayetteville car insurance agent about what other coverages you need on your vehicle to protect yourself.


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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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