Car Insurance: Making The Right Call!

Auto Insurance Tips from Your Wilmington, NC Nationwide Insurance Agent

In this life, many of us are forced to make earth-shattering decisions on a routine basis. Should I opt for the standard car wash or the super-deluxe option? Should I go see the new Tyler Perry movie or the new Adam Sandler movie? Crunchy or smooth?

These are only a few of the dilemmas we must consider from day to day. When buying a new vehicle we are additionally forced to ponder a series of important decisions. Prior to hitting the pavement in your new car, there are countless matters to consider, including which form of insurance coverage you should select.
If you’re currently in the process of insuring a brand new vehicle, it may be time you started to learn more about the various forms of auto insurance coverage. Browse the following section, and you might feel a bit more confident the next time you stroll into your local insurance agency.

Bodily Injury Liability

In the unfortunate event that you harm someone while operating your vehicle, this form of coverage will keep you financially protected.

Property Damage Liability

If you damage another individual’s property, including their vehicle, property damage liability will cover all expenses.

Uninsured or Underinsured Motorist Coverage

This particular form of coverage will help pay for the injuries or damage caused by an uninsured or underinsured driver. In some states, you’ll also be protected against hit-and-run drivers.

Medical Payments

If you’re involved in a car accident, medical coverage will pay for the medical bills accrued by the driver and their passengers.

Collision Insurance

If you’re hit by another vehicle, this form of coverage will take care of most of the resultant expenses. The driver, however, is generally responsible to pay a deductible.

Comprehensive Coverage

With comprehensive coverage, it’s really all in the name. This expansive form of coverage protects you against all losses, minus your deductible, resulting from any non-collision incidents. For instance, you’ll have little to worry about if your car is stolen or vandalized.

Rental Reimbursement

Rental Reimbursement covers the cost of a rental vehicle when your standard vehicle is out of commission. Keep in mind; these policies only apply to damages covered by the aforementioned comprehensive insurance packages.


Luckily, car owners no longer have to make these decisions on their own. With the assistance of Brad Sizemore Insurance, residents of Wilmington, NC are granted an invaluable ally in tracking down the proper auto insurance coverage!
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