Darden Insurance Agency, Inc.
  • Liability:  Pays for Bodily Injury and Property Damage for which a covered driver becomes legally liable to pay
  • Collision:  Pays for Damage to your covered automobile
  • Comprehensive (Other than Collision):  Pays for Damage to your covered automobile, caused by things like: falling objects, fire, theft, larceny, contact with a bird or animal, breakage of glass
  • Medical Payment Coverage:  Pays for necessary and reasonable medical and funeral services
  • Uninsured/Underinsured Motorists (UM/UIM) Coverage:  Pays for Bodily Injury and Property Damage for which another driver becomes legally liable
Car insurance laws vary from state to state, but all states have auto insurance coverage requirements that require some type of car insurance or proof of financial responsibility. Even though it may seem like an “extra” cost, car insurance protects you, your family and your vehicle if you’re ever in an accident or if your vehicle is damaged.
Your auto insurance coverage requirements may include six coverages. Each type of insurance coverage is priced separately.
The North Carolina Financial Responsibility Laws require that Automobile Liability coverage be maintained. The minimum coverage requirements are $30,000 Bodily Injury for each person, $60,000 total Bodily Injury for all persons in an accident and $25,000 for Property Damage.
Several factors, including your driving record and insurance history, affect the type of insurance policy available to you. If you have a clean driving record and have been insured in the past, you’ll most likely qualify for standard auto insurance coverage.
Generally, if you haven’t had insurance, or have a less-than-perfect driving record, you can still qualify for auto insurance. This type of insurance is known as non-standard auto insurance.
Click here to chose your location and to obtain a quote for auto insurance.
Coverage for Rented Vehicles
This endorsement provides coverage for you or a family member who rents a rental vehicle on a daily basis for less than 22 consecutive days.
Coverage for Damage to Your Auto (Customizing Equipment Coverage; Coverage for Audio, Visual, and Data Electronic Equipment)
Through this endorsement, the limits of liability are increased for custom furnishings and custom equipment, and for additional permanently installed electronic accessories.
Towing and Labor Costs Coverage
This coverage pays for towing and labor costs each time your covered automobile or any non-owned automobile is disabled or the keys are lost, broken or accidentally locked in the car.
Extended Transportation Expenses Coverage (Rental
Reimbursement)
This coverage will pay, up to a specified rate and maximum total amount, transportation expenses incurred by you or loss of use expenses for a non-owned vehicle for which you become legally responsible.
Miscellaneous Coverages
Type of Coverages