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How To Buy Uninsured Motorist Insurance North Carolina

Uninsured motorist coverage is one of the most important aspects of an automobile insurance policy. It helps insure you against uninsured drivers.

Local Companies

Catawba Valley Insurance Agency, Inc.
828-459-1932
3323 E Main St
Claremont, NC

Boyce Jim Insurance Agency
(704) 364-9955
4425 Randolph Rd
Charlotte, NC

Ace Insurance Services Inc
(828) 855-1488
18 3rd Ave NE
Hickory, NC

INSURANCE DIRECT
919-228-4482
1135 Kildaire Farm Rd
Cary, NC

Allstate Darryl Johnson Agency
(704) 373-7044
715 North Church Street
Charlotte, NC

State Farm - Paul Carreker
(704) 941-7466
1816 East Arbors Drive
Charlotte, NC

State Farm - Tracey Winters
(704) 971-1133
10230 Berkeley Place Drive
Charlotte, NC

The Caldwell Agency
919-345-1777
PO Box 698
Cary, NC

Direct General Insurance Agency Inc
(704) 536-8806
6721 E Independence Blvd
Charlotte, NC

Liberty Mutual Insurance Group
704-783-5364 (cell) 704-549-8944 x57378 (office)
10150 Mallard Creek Rd
Charlotte, NC

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Uninsured motorist coverage is one of the most important aspects of an automobile insurance policy. Uninsured motorist coverage protects you in the event that you are involved in an accident with an uninsured driver. The coverage will extend to cover you and your passengers for bodily injury as well as your vehicle against damage if the accident was the fault of the uninsured driver.

Some states go so far as to require uninsured motorist coverage. They include:

Connecticut
Washington D.C.
Illinois
Kansas
Maine
Massachusetts
Minnesota
Missouri
New Jersey
New York
North Dakota
Oregon
Rhode Island
South Carolina
South Dakota
Vermont
Virginia
West Virginia
Wisconsin

Other states may limit the amount of uninsured motorist coverage or limit the application of the coverage. Please see your state's Department of Insurance or contact your agent/insurance carrier to review the specific rules and regulations for your particular state.

Fortunately, obtaining uninsured motorist coverage is a quick and painless process. All major insurance carriers will offer the coverage as an additional coverage to the standard automobile insurance contract.

The first thing to do is to contact your carrier, or another carrier, to get a quote for this important additional coverage. Obtaining a quote is free of charge. Most carriers will require that they write your entire automobile policy and will not offer the uninsured motorist as a standalone coverage. In other words, if you wish to get uninsured motorist coverage through a carrier other than the one your policy is currently through, you will most likely have to transfer your entire policy. There are three ways to get a quote.

In person - Visit your local agency. Contact your agent or another local agent and let them know you would like to request a quote for uninsured motorist coverage. They will set an appointment where you can sit down to review the coverage options, including limits available and the cost of that coverage.

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Author: Brad Halvorsen

Featured Local Company

Catawba Valley Insurance Agency, Inc.

828-459-1932
3323 E Main St
Claremont, NC

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