Personal Auto

Automobile insurance is an insurance coverage that protects the insured (Owner or Non-Owner) against any financial loss if the insured is involved in an auto accident. It is a contract between the insurance carrier and the insured. The insured is required by the insurance contract to pay a premium to the insurance company while the insurance company is obliged to cover the losses as defined in the insurance policy.

Automobile insurance policy cover liability, property and medical coverage, the liability coverage cover payment for legal responsibility to third parties for property damage or bodily injury.

The medical coverage part provides payment for medical expenses resulted from injuries, rehabilitation, funeral expenses and lost wages of the insured.

There is a different kind of automobile insurance policy. Most state requires every auto owner to have liability coverage for their vehicles. Also for those car owners who finance their auto vehicles from a finance company, the lender requires the auto personal owner to have liability coverage, property damage, collusion and comprehensive coverage.

The higher the deductible the insured pay for his collision and comprehensive coverage, the lower the monthly premium while lower deductible payment for collision and comprehensive coverage may result in a higher monthly premium.

Premium rating payment varies according to age and driving experience of the insured. There is always a reward or discount for good drivers without any traffic violation from previous three or more years.

Most automobile insurance policy is cover for six months or a year policy period before the insured is required to renew the policy
CloudNet insurance Agency is in business as an independent insurance brokerage firm to advocate for finding automobile insurance that meets the specific needs of our clients. If you need any policy coverage, don’t hesitate to contact one of our professional agents for assistance with your quote because our professional agents will work for you to tailor your coverage based on your specific insurance needs

Call our professional agents phone number 919-522-9523 or click this link Personal Automobile Insurance Quote, fill in the form and submit so that one of our professional agents will contact you shortly.