Types of Insurance Coverage

Insurance coverage can be considered a form of risk management. In the event that you or anyone you know is involved in an accident, insurance can help cover property damage, medical bills, and even lost wages.

There are many different types of insurance, including health insurance, but in the event of an accident it is most often car insurance and homeowner’s insurance covers the costs. However, insurance companies may sometimes work against you in an effort to save themselves money by not having to provide the suitable amount of compensation you deserve for your injuries.

If you, or a loved one, is having difficulty dealing with an insurance company or are working to better understand what type of insurance coverage may be best for you, our lawyers are ready to assist you.

At Mike Lewis Attorneys we understand how difficult it can be to understand the multitude of insurance forms out there as well as how challenging it can be to file a claim. Our experiences personal injury attorneys can help you shuffle through the confusion so that you, or your loved ones, can receive the benefits you deserve.

For a no-obligation evaluation of your insurance situation, fill out the ‘FREE CASE REVIEW’ form to your left – it’s FREE and completely confidential.

Car Insurance Coverage Minimums

The majority of states across the country require all motorists to have some type of vehicle and personal injury coverage. The different types of auto insurance coverage will assist drivers from being held responsible for expenses that may not have otherwise been able to afford if they are involved in a car accident.

In North Carolina motorists are required to have:

  • $30,000 Worth of Bodily Injury Liability Coverage Involving One Person in a Single Accident
  • $60,000 Worth of Bodily Injury Liability Coverage Involving Two or More People in a Single Accident
  • $25,000 Worth of Property Damage Liability Coverage

Although these are what is required by the state of North Carolina most drivers will opt for additional coverage in order to be better protected.

Types of Car Insurance Coverage

Before a person gets behind the wheel of their vehicle they must make sure they are insured, so it is important to understand what type of coverage is available and what it provides in the case of an accident.

Bodily Injury
Covers damages to other persons involved in an accident caused by you or another covered driver, this may include medical bills, lost wages, disability, and rehabilitation.

Property Damage
Damage to other people’s property is included in this type of coverage and may include the repair or cash value of the other vehicle involved in the collision and further legal expenses.

Uninsured/Underinsured
Although there are state requirements, not all drivers will have insurance and some may not have enough to cover damages you incur. This type of coverage may help cover bodily injuries sustained; however, underinsured motorist coverage may not necessarily cover property damage.

Medical Payments
Although not necessarily required, this coverage is usually purchased by drivers who are looking for additional medical coverage. Depending on the type of coverage you decide on it will cover reasonable medical, or funeral, expenses for you, your family members, pedestrians struck by the vehicle, or any other person in your vehicle at the time you or a family member was driving the vehicle. This type of insurance may not be extended to cover motorcycles accidents though.

Collision
Physical damage done to your vehicle either during a collision with another vehicle or object will be covered with this type of insurance coverage.

Comprehensive
This type of coverage goes beyond the typical collision, if you incur losses due to natural disasters, theft, riots, or even an animal comprehensive coverage can help pay for repair costs or the actual cash value of your vehicle, less the deductible, if the car is irreparable.

Finding the right coverage for you may depend on the type of vehicle you have, driving history, and more. If you have been involved in an accident and are confused about what your insurance company, or the driver at fault’s insurance, should be covering then contact us to help guide you through the confusing process. We will fight hard for your right to receive fair and just compensation.

Homeowner’s Insurance Coverage

Most of the time homeowner’s insurance is used to cover property damage or damage to property inside the home, however when a personal injury accident occurs it could also help cover medical expenses.

Comprehensive Personal Liability
If an individual was injured on your property and later attempts to make claims against you, this type of insurance coverage can help protect your against these claims.

Guest Medical Coverage
If a guest in your home is accidentally injured in or around your home this type of coverage can help pay for their medical expenses not covered by personal liability insurance. The types of expenses covered vary but may include x-rays, ambulance transportation, and hospital bills. The amount of coverage is up to the policy limit.

Contact our Winston-Salem Insurance Coverage Attorneys Today

If you or a loved one has been injured in accident and are working to get your property damage, medical bills, and more covered by an insurer our attorneys can work with you to ensure you are receiving adequate coverage. Oftentimes insurance policies are confusing to understand filled with legal jargon that may be easy to understand.

At Mike Lewis Attorneys we are familiar with how insurance companies work and are dedicated to fighting for the rights of the injured, not the insurers. We have offices located in Winston-Salem and Greensboro, North Carolina and are pleased to serve clients throughout the North Carolina area including:

  • Columbia Heights
  • West Highlands
  • Fisher Park
  • Warnersville
  • Oak Grove
  • Clinton Hills

And many more local towns and cities. To find out how we may be able to help you handle your insurance claims, contact us at 1-866-299-1769 to speak with one of our experienced lawyers at no-cost and no-obligation to you.

If you prefer to contact us online, simply fill out the ‘FREE CASE REVIEW’ form at the top right hand corner of this page.