When it comes to protecting yourself and your vehicle on the roads of Raleigh, auto insurance is a must-have. At Hess Insurance, we’re here to help you understand the two essential parts of your car insurance policy and how they work together to keep you covered.

First, there’s the liability section of your policy. This part is all about safeguarding your finances in case you’re found responsible for injuring others in an accident. Most states, including North Carolina, require drivers to carry a minimum amount of liability coverage, but at Hess Insurance, we can help you determine the right level of protection for your unique needs in the Raleigh area.

The second part of your auto insurance policy focuses on protecting your vehicle itself. This includes comprehensive coverage, which kicks in if your car is damaged by fire, theft, or other covered perils, and collision coverage, which helps pay for repairs if your vehicle is involved in an accident. If you’re leasing or financing your car in Raleigh, your lender may require you to carry these coverages.

In addition to liability, comprehensive, and collision coverage, there are other optional protections available, such as medical payments, rental car reimbursement, and more. These ancillary coverages can vary by state, but our knowledgeable team at Hess Insurance in Raleigh can help you navigate your options and select the right mix of coverages for your situation.

One way to help manage the cost of your auto insurance premiums is to consider choosing higher deductibles for your physical damage coverages. However, it’s crucial to ensure that you have sufficient liability coverage, especially if you carry an umbrella insurance policy, to avoid any gaps in protection in the event of a serious accident.

At Hess Insurance, we’re committed to helping Raleigh area drivers find the right auto insurance coverage at competitive rates. Our friendly and experienced staff will work with you to assess your needs, answer your questions, and create a customized policy that keeps you and your vehicle safe on the road. Contact us today to learn more about how we can help you protect what matters most.