Auto Liability Coverage in Beaufort, NC & Morehead City, NC, NC

Auto liability insurance is your financial shield when things go wrong on the road. Not only can it financially protect you from the high costs of medical bills, vehicle repairs and legal fees if you’re at fault in an accident, but it may also keep you on the right side of the law. In North Carolina, as in many states, driving without auto liability insurance is illegal and failing to carry it could result in fines, license suspension or legal action.

How Does Auto Liability Insurance Work?

Auto liability insurance is designed to cover the costs associated with injuries or damage you cause to others in an accident where you’re deemed at fault. It generally consists of two components: 

• Bodily injury liability may pay for medical expenses and lost wages related to injuries you have caused to a third party. It may also help cover your legal costs.
• Property damage liability may cover costs associated with repairing or replacing someone else’s vehicle or any other property damaged in the accident.

How Much Auto Liability Insurance Do I Need?

The amount of auto liability insurance you need depends on several factors, including your state’s minimum legal requirements, the value of your assets and your overall financial situation. Additionally, if your vehicle is being financed, your lender might set specific insurance requirements.

In North Carolina, drivers are generally mandated to carry a minimum amount of auto liability insurance. While each state sets a minimum coverage amount, purchasing more than the minimum is often advisable to ensure adequate protection.

How Much Does It Cost?

Your auto liability insurance cost may vary based on factors such as the following:

• Your location
• Driving history
• Vehicle type
• Amount of coverage

Opting for higher coverage limits will generally increase your premiums. Despite the cost, having sufficient liability coverage is wise to avoid potentially devastating financial consequences after an accident.

Learn More

For reliable auto liability coverage, trust Willis Insurance—proudly serving clients since 1950. Our experienced team is ready to help you find the optimal auto liability insurance for your needs. Contact us today and let our decades of expertise work for you.