Personal Auto Policy Topics


Below is a partial list of topics covered for the Personal Auto Policy. This should give you a good idea of the types of questions that can be asked and answered for this line of business.


Personal Auto Policy


Reference Programs

Let Me Tell You About North Carolina Personal Auto Insurance


Who Is Insured

Are My Grandparents Insured on My Car Insurance Policy
Is My Boss Insured on My Car Insurance Policy
Is My Brother or Sister Insured on My Car Insurance Policy
Is My Child Insured on My Car Insurance Policy
Is My Employee Insured on My Car Insurance Policy
Is My Friend Insured on My Car Insurance Policy
Is My Spouse Insured on My Car Insurance Policy
Who Is Insured Under My Car Insurance Policy


Policy or Agency Customer Service Specific Topics

How Much is My Next Payment
What Deductible Should I Buy
What Limits Do I Have on My Policy
What Number Do I Call to Report a Claim
What is Accident Forgiveness
What is Gap Insurance
What is My Agents Phone Number
What is My Collision Deductible
What is My Personal Auto Policy Period
When Is My Next Payment Due
Which is the Best Insurance Company
Help
Hello


Policy Definitions

Definition of Family Member
Definition of Trailer
Occupying Definition
Bodiy Injury Definition
Business Definition
Property Damage Definition
Your Covered Auto Definition
Define an Underinsured Motor Vehicle
Define an Uninsured Motor Vehicle
What does Non-Owned Auto Mean Under Coverage for Damage to Your Auto
What does Permanently Installed Mean Under Coverage for Damage to Your Auto
What is Actual Cash Value
What is Medical Payments Coverage
What is No Benefit to Bailee
What is Subrogation
What is Uninsured Motorists Coverage
What is a Notice of Nonrenewal
What is considered Collision under Damage to Your Auto
What is considered Other Than Collision under Damage to Your Auto


Liability Coverage Topics

I was involved in a rear end collision
If I am hit by a hit and run driver does my insurance policy cover me
My Legal Bills Caused by a Car Accident
Are My Car Repairs Paid Under My Liability Coverage
My Medical Bills
What Does Liability Insurance Pay For
Am I Covered Driving A Rental Car
Are Motorcycles Covered
Are Other Peoples Car Repairs Paid Under My Liability Coverage
Are Other’s Medical Bills Paid by My Car Insurance
Auto Being Used in the Business of Parking Vehicles
Auto Being Used in the Business of Repairing Vehicles
Auto Being Used in the Business of Selling Vehicles
Auto Being Used in the Business of Servicing Vehicles
Auto Being Used in the Business of Storing Vehicles
Court Ordered Forfeiture or Government Confiscation
Coverage When Insured is an Insured Under a Nuclear Energy Liability Policy
Damage While Racing
Damage to Clothes or Personal Effects
Damage to My Car is My Fault
Does My Insurance Pay for Bodily Injury to a Domestic Employee
Does My Insurance Pay for Bodily Injury to an Employee
Does My Liability Insurance Pay for My Intentional Acts
Does My Policy Pay for Mechanical Breakdown
Driving My Car for My Job
Driving Someone Else’s Car
Driving for Ride Sharing Service like Uber
Explain the North Carolina Financial Responsibility Law
If I am Operating a Stolen Car
Insurance Trailer Coverage
Leased Car Treated as Owned
Liability Coverage for My Stolen Car
Limit of Liability Amount for Bodily Injury and Property Damage
Using Your Car as a Livery Conveyance
Using Your Car as a Public Conveyance
Using Your Car as a Taxi
Using Your Car for a Car Pool
Wear and Tear to My Car
What if I do not agree with my insurance company’s amount of the loss
Will My Insurance Pay Post Judgment Costs
Will My Insurance Pay Post Judgment Interest
Will My Insurance Pay Pre Judgment Interest
Will My Insurance Pay for Appeal Bonds
Will My Insurance Pay for Bonds to Release Attachments
Will My Insurance Pay for Damage I Cause to My Own Property
Will My Insurance Pay for Damage I Cause to the Property of Another Insured
Will My Insurance Pay for Damage to Other’s Property I am Using
Will My Insurance Pay for Damage to Other’s Property in My Care
Will My Insurance Pay for Damage to Property I am Renting
Will My Insurance Pay for Expenses My Insurance Company Requests
Will My Insurance Pay for Lost Wages or Salary
Will My Insurance Pay the Cost of Bail Bonds
Will My Insurance Reimburse Emergency First Aid Expenses
Pets and Car Insurance
Rental Car Waiver
What Part of My Insurance Pays to Fix the Car I Hit
Where Am I Insured Under My Personal Auto Policy


Medical Payments Topics

Does Medical Payments Pay for ATV Accidents
Personal Auto Does Medical Payments Cover Funeral Expenses
Does Medical Payments Pay When I Use My Vehicle as a Residence
Does Medical Payments Pay for Accupuncture
Does Medical Payments Pay for Experimental Medical Services
Does Medical Payments Pay for Medical Research
Does Medical Payments Pay for Motorcycle Accidents
Does Medical Payments Pay for Non Medical Services
Does Medical Payments Pay for Non Medical Services
Does Medical Payments Pay for Not Customarily Recognized Medical Services
Does Medical Payments Pay for Purchase or Rental of Equipment
Does Medical Payments Pay for Thermography
How Long Will Medical Payments Expenses be Paid
Medical Payments Coverage for Injuries in a Vehicle Owned by a Family Member
Medical Payments Coverage for Injuries in a Vehicle Regularly Furnished for Your Use
Medical Payments Coverage for Injuries in a Vehicle Regularly Furnished to a Family Member
Medical Payments Coverage for Injuries in a Vehicle You Own but Not Insured
Medical Payments Limits of Liability
Medical Payments When I am in Another Person’s Car in a Car Pool
Medical Payments When My Vehicle is Used Without Permission
Medical Payments While Racing or Similar Event
Medical Payments While Riding in a Vehicle for Hire or Taxi
Medical Payments for Injuries Caused by War, Civil War, Insurrection, Rebellion or Revolution
Medical Payments for Injuries While Engaged in the Business of Parking Vehicles
Medical Payments for Injuries While Engaged in the Business of Repairing Vehicles
Medical Payments for Injuries While Engaged in the Business of Selling Vehicles
Medical Payments for Injuries While Engaged in the Business of Servicing Vehicles
Medical Payments for Injuries While Engaged in the Business of Storing Vehicles
Medical Payments if There is Other Medical Payments Coverage
What are Not Considered Reasonable Expenses Under Medical Payments
What if You Do Not Agree with The Payment Amount under Medical Payments
What is Medical Payments Coverage
Who Is Covered by Medical Payments


Damage to My Auto Topics

Limits of Liability under Coverage for Damage to Your Auto
What is Actual Cash Value
What is Excluded Under Coverage for Damage to Your Auto
A Bird Hit My Car
A Mouse Chews My Upholstery
A Rock Broke My Windshield
My CD’s, Tapes, DVD’s,etc Covered
Are there Extra Things I Need to Do for an Accident involving Damage to My Vehicle
Audio Cassette Player
CB Radio
Can my insurance company decide to replace my car instead of repairing it
Can the Insurance Company Recover Damages from an Insured Who Commits Fraud
Car Damaged by Hail
Car Damaged by Nearby Explosion
Car Damaged by Water Leakage
Car Phone
Does my insurance company get to tell me what kind of replacement parts are used to repair my car
Drive into Flooded Road
Flat Tire
Flood Damage
How Much Does My Insurance Pay if My Car Is Damaged
How Will My Insurance Company Pay for My Loss to My Auto
I Hit a Deer
Lightning Damage to My Car
More Than One Insurance Policy
My Car Catches Fire
My Car Damaged by Fire
My Car Explodes
My Car Was Used without Permission
My Car is Damaged by Freezing
My Car is Damaged in a Riot
My Car is Damaged in an Earthquake
My Car is Keyed
My Car is Spray Painted
My Car is Stolen
My Car is Turned Over
My Car is Vandalized
Newly Acquired Auto
Non Original Equipment Radio
Non Original Equipment Stereo
Nuclear Radioactive Contamination
Other Insurance with Collision and Other than Collision Coverage
Personal Computer
Police Scanner
Lost or Stolen Car Keys
Radar Detector
Reduction in Value After Repairs – Collision Coverage
Rent a Car When Yours Is Stolen
Smoke Damage to My Car
Tape Deck
Television Monitor
Tire Damage
Tree Limb Falls on My Car
Two Way Radio
Video Cassette Player
What are Salvage Charges under Damage to Your Auto
What are Transportation Expenses under Damage to Your Auto
What does Non-Owned Auto Mean Under Coverage for Damage to Your Auto
What does Permanently Installed Mean Under Coverage for Damage to Your Auto
What is No Benefit to Bailee
What is Subrogation
What is considered Collision under Damage to Your Auto
What is considered Other Than Collision under Damage to Your Auto
What is insured under Coverage for Damage to Your Auto
iPad
Rental Car Waiver


Uninsured and Underinsured Motorists Topics

Are There Extra Things I have to do for an Uninsured or Underinsured Motorists Claim
Can Combined Uninsured/Underinsured Motorists Coverage Limits be Reduced
Can I Buy Lower Limits of Combined Uninsured/Underinsured Motorists Coverage than Liability Coverage
Can I Buy Lower Limits of Uninsured Motorists Coverage than Liability Coverage
Can Uninsured Motorists Coverage Limits be Reduced
Can a Car Owned by You be Covered by Uninsured Motorists
Can a Car Owned by a Country be Covered by Uninsured Motorists
Can a Car Owned by a Government Agency be Covered by Uninsured Motorists
Can a Car Owned by a State be Covered by Uninsured Motorists
Can a Car Owned or Operated by a Self Insurer be Covered by Uninsured Motorists
Can a Vehicle Operated on Rails or Crawlers be Covered by Uninsured Motorists
Can a Vehicle Which is a Farm Type Tractor or Equipment be Covered by Uninsured Motorists
Can a Vehicle which is located for Use as a Premises be Covered by Uninsured Motorists
Combined Uninsured/Underinsured Motorist While Using Auto as Taxi, Lyft, Uber, etc.
Combined Uninsured/Underinsured Motorists Claims Settled Without Company Consent
Combined Uninsured/Underinsured Motorists Coverage No Benefit to Other Insurer
Combined Uninsured/Underinsured Motorists Hit and Run Property Damage Coverage
Combined Uninsured/Underinsured Motorists Involving Owned Vehicle Not on This Policy
Combined Uninsured/Underinsured Motorists Punitive or Exemplary Damages
Combined Uninsured/Underinsured Motorists When Using Auto without Permission
Combined Uninsured/Underinsured Motorists and Other Insurance
Define an Underinsured Motor Vehicle
Define an Uninsured Motor Vehicle
Do I Have to Buy Uninsured Motorists Coverage
Do I have to Buy Combined Uninsured/Underinsured Motorists Coverage
The Insurance Company’s Right to Recover Payment for Combined Uninsured/Underinsured Motorists Loss
The Insurance Company’s Right to Recover Payment for Uninsured Motorists Loss
Uninsured Motorist While Using Auto as Taxi, Lyft, Uber, etc.
Uninsured Motorists Claims Settled Without Company Consent
Uninsured Motorists Coverage No Benefit to Other Insurer
Uninsured Motorists Deductible on Property Damage
Uninsured Motorists Hit and Run Property Damage Coverage
Uninsured Motorists Involving Owned Vehicle Not on This Policy
Uninsured Motorists Property Damage While Property in Vehicle Owned by Insured
Uninsured Motorists Punitive or Exemplary Damages
Uninsured Motorists When Using Auto without Permission
Uninsured Motorists and Other Insurance
What Are Consequential Damages in Combined Uninsured/Underinsured Motorists
What Are Consequential Damages in Uninsured Motorists
What Are my Combined Uninsured/Underinsured Motorists Limits of Liability
What Are my Uninsured Motorists Limits of Liability
What Property is Covered under Combined Uninsured/Underinsured Motorists
What Property is Covered under Uninsured Motorists
What Type of Vehicle is Not Covered by Combined Uninsured/Underinsured Motorists
What Type of Vehicle is Not Covered by Uninsured Motorists
What if You Do Not Agree with the Payment Amount under Combined Uninsured/Underinsured Motorists
What if You Do Not Agree with the Payment Amount under Uninsured Motorists
What is Combined Uninsured/Underinsured Motorists Coverage
What is Excluded from Combined Uninsured/Underinsured Motorists Coverage
What is Excluded from Uninsured Motorists Coverage
What is Subrogation
What is Uninsured Motorists Coverage
Who is Covered for Combined Uninsured/Underinsured Motorists
Who is Covered for Uninsured Motorists
Will Combined Uninsured/Underinsured Motorist coverage Pay if I Am Covered by Workers’ Compensation
Personal Auto Will Uninsured Motorist Coverage Pay if I Am Covered by Workers’ Compensation


General Policy Topics

Automatic Adjustment to Other States Requirements
Can I Have More Than One Policy at the Same Time on My Vehicles
Can I Transfer My Insurance Policy to Somebody Else
Does My Insurance Company Get My Rights to Recover After They Pay a Claim
Does the Fraud of One Insured Effect the Coverage for Others
Does the Loss Payment include Sales Tax
If the Insurance Company Recommends a Specific Repair Shop do I Have to Use It
What Happens if I do not Pay My Renewal Bill on Time
What Happens to the Insurance Policy if the Named Insured Dies
What Law Governs My North Carolina Personal Auto Policy
What are the Limitations of Legal Actions Against the Insurance Company
What do I do when I have an Auto Accident
What if the Named Insured Was Not Honest in completing the Application
What if the Person Who Caused the Accident is in Bankruptcy
Where Am I Insured Under My Personal Auto Policy


Cancellation Topics

Automatic Termination for Failure to Accept Renewal
How Do I Cancel My Policy
How Many Days Notice Does the Insurance Company Have to Give to Cancel All Liability Coverage
How Many Days Notice Does the Insurance Company Have to Give to Cancel Collision Coverage
How Many Days Notice Does the Insurance Company Have to Give to Cancel Combined Uninsured / Underinsured Motorists Coverage
How Many Days Notice Does the Insurance Company Have to Give to Cancel Liability Coverage
How Many Days Notice Does the Insurance Company Have to Give to Cancel Medical Payments Coverage
How Many Days Notice Does the Insurance Company Have to Give to Cancel Other Than Collision Coverage
How Many Days Notice Does the Insurance Company Have to Give to Cancel Uninsured Motorists Coverage
How Many Days Notice Does the Insurance Company Have to Give to Cancel for Nonpayment
How Many Days Notice Does the Insurance Company Have to Give to Cancel for Other than Nonpayment
Can My Premium Finance Company Cancel My Policy
Can Your Insurance Company Cancel Coverage for Nonpayment of Premium
Can Your Insurance Company Cancel Coverage if They Terminate Their Contract with Your Agent
Can Your Insurance Company Cancel Coverage if You Become a Nonresident of North Carolina
Can Your Insurance Company Cancel Coverage if You Knowingly Make Material Misrepresentations
If the Policy is Cancelled How is the Refund Determined
Is Proof of Mailing a Notice of Cancellation the Same as Proof of Cancellation being Received
What Happens if I do not Pay My Renewal Bill on Time
What are the Reasons Your Insurance Company can Cancel Your Policy
What if I Never Received a Copy of the Notice of Cancellation
What is a Notice of Nonrenewal