Auto Insurance

Purchasing Auto Insurance has never been easier!

At Clark Insurance Agency, we have the flexibility and resources to meet your auto insurance needs. An insurance agent is ready to provide a customized auto insurance quote with options to suit your driving needs.

Why do I need Auto Insurance?

The state requires auto liability insurance on all motor vehicles registered in the state and has minimum required limits of insurance. This required limit provides very little protection; therefore it is in your best interest to carry higher than the state mandated limits. Both a California and a North Carolina auto policy provides coverage for:

  • Liability – Pays damages for Bodily Injury or property Damage.
  • Medical Payments – Pays medical payments to an “insured” or family member while occupying a vehicle operated by the insured.
  • Uninsured / Underinsured Motorist – Pays damages for Bodily Injury or Property Damage.
  • Comprehensive Coverage – Pays for damages to your auto caused by a comprehensive claim.
  • Collision Coverage – Pays for damage to your auto caused by an at-fault collision.

Frequently Asked Questions about Auto Insurance

Q. If your new vehicle is totaled, would you be reimbursed the full purchase price?

A. Probably not. Most standard auto insurance policies factor in depreciation when assessing a loss. There are some insurance companies that offer an option to add replacement cost coverage for new vehicles for the first year of ownership.

Q. Do you need to purchase additional insurance when renting a car on vacation?

A. Most people have coverage extended to a rental car through their existing auto insurance policy, as long as they are carrying comprehensive and collision coverage. However, most standard auto insurance policies do not cover the loss of income, extra fees, diminished value, storage fees, or claims handling expenses that rental car agencies often incur upon a loss to a rental car.

Q. If your vehicle is damaged, would your insurance company reimburse you for renting a car?

A. Maybe. Most companies offer rental car coverage as an optional coverage on their policies. Those who decide not to purchase this coverage will not be reimbursed for the cost of a rental vehicle after an accident.