{"id":24,"date":"2022-07-29T04:00:00","date_gmt":"2022-07-29T10:00:00","guid":{"rendered":"https:\/\/www.pethelgroup.com\/blog\/?p=24"},"modified":"2022-08-08T11:33:12","modified_gmt":"2022-08-08T17:33:12","slug":"north-carolina-auto-insurance-basics","status":"publish","type":"post","link":"https:\/\/www.pethelgroup.com\/blog\/north-carolina-auto-insurance-basics\/","title":{"rendered":"North Carolina Auto Insurance Basics"},"content":{"rendered":"<p>Insurance is a &quot;must-have&quot; for Kannapolis, NC automobile&nbsp;owners. Quite simply, it&#8217;s the law to have automobile insurance if you have an automobile.&nbsp;Understanding what type of insurance you need and why, however, can be significantly more complex.&nbsp;<\/p>\n<p>Explore some of the basics of auto insurance in North Carolina.&nbsp;Pethel Insurance Group can help you navigate this important insurance coverage.<\/p>\n<h2>You Can&#8217;t Skip Out on Auto Insurance<\/h2>\n<p>Have you ever heard of people paying insurance sometimes and then letting it lapse? Well, in North Carolina that isn&#8217;t legal. The law requires&nbsp;automobile liability to be <em><strong>continuous <\/strong><\/em>&#8212; meaning you should always be covered and not have gaps in your coverage.<\/p>\n<h3>Minimum Auto Insurance<\/h3>\n<p>Not only must your insurance be ongoing, but it must cover a certain amount of damages. As listed by the state you must carry:<\/p>\n<ul>\n<li>$30,000 Bodily Injury for each person<\/li>\n<li>$60,000 total Bodily Injury for all persons in an accident<\/li>\n<li>$25,000 for Property Damage<\/li>\n<\/ul>\n<p>What these legal guidelines mean is that you must meet a minimum of insured medical coverage for any person who may be involved in a car accident with you including those in your car and the other vehicle or vehicles. In addition to having basic medical coverage, you need to have a minimum amount of insurance for property damage that you may cause to the other party, such as engine work or body work needed for repair.<\/p>\n<h3>Uninsured Motorist Coverage<\/h3>\n<p>North Carolina also requires uninsured motorist coverage &#8212; this is your protection against people who don&#8217;t follow the rules. Uninsured motorist coverage may include your medical costs and sometimes vehicle repair if you are hit-and-run or have an accident with a person not holding legal insurance.<\/p>\n<p>Learn about the auto insurance specifics that matter to you with Pethel Insurance Group in Kannapolis, NC.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Insurance is a &quot;must-have&quot; for Kannapolis, NC automobile&nbsp;owners. Quite simply, it&#8217;s the law to have automobile insurance if you have an automobile.&nbsp;Understanding what type of insurance you need and why, however, can be significantly more complex.&nbsp; Explore some of the basics of auto insurance in North Carolina.&nbsp;Pethel Insurance Group can help you navigate this important [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[9,10],"class_list":["post-24","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-kannapolis-nc","tag-pethel-insurance-group"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.pethelgroup.com\/blog\/wp-json\/wp\/v2\/posts\/24","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pethelgroup.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pethelgroup.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pethelgroup.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pethelgroup.com\/blog\/wp-json\/wp\/v2\/comments?post=24"}],"version-history":[{"count":1,"href":"https:\/\/www.pethelgroup.com\/blog\/wp-json\/wp\/v2\/posts\/24\/revisions"}],"predecessor-version":[{"id":25,"href":"https:\/\/www.pethelgroup.com\/blog\/wp-json\/wp\/v2\/posts\/24\/revisions\/25"}],"wp:attachment":[{"href":"https:\/\/www.pethelgroup.com\/blog\/wp-json\/wp\/v2\/media?parent=24"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pethelgroup.com\/blog\/wp-json\/wp\/v2\/categories?post=24"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pethelgroup.com\/blog\/wp-json\/wp\/v2\/tags?post=24"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}