Personal Auto Flashcards
Time requirement
atleast 6 mns
Replacement vehicle
notify within 30 days
broadest coverage of any vehicles listed
Additional vehicle
notify within 30 days
broadest coverage of any vehicles listed
Misc. Endorsemrnt
golf cart
motorcycle
travel trailer
med pay extends to motorcycles
Liability
to pay for neg of insured
pays damages to 3rd party
Ins Agreement
up to policy limits
Supplementary Payments
court costs, bail bonds, loss of wages, etc…
NC minimums
30/60/25
Liability covers Auto not Driver
Liability covers Auto not Driver
Premium Rating Factors
- Pleasure/Business use
- Use to travel to work a) more than 10 miles b) less than 10 miles
- Agriculture use
MedPay facts
agrees to pay for med bills within 3 years of loss
typically 1k
anyone in or injured by vehicle
Uninsured and Underinsured
required in NC
pays for BI and PD by un or under insured motorist
Hit and Run only covers BI NOT PD
Hit and Run only covers BI NOT PD
UN/UMI Deductible
$100
UM cover BI and PD
UIM (under) covers BI only