|Davis Insurance Group is a trade name used by two different agencies. P&C Products offered through Davis Insurance P&C LLC. Life, Health, Long term Care and Medicare supplement products offered through S.J. Davis &
Associates. We are licensed to sell insurance in North Carolina, South Carolina, Georgia and Florida.
Do not cancel any insurance product until you have a replacement policy in place and paid for.
Copyright - 2006 Samuel J Davis
Davis Insurance Group
5041 New Center Drive - Suite 207
Wilmington, NC 28403
The state of North Carolina requires all licensed drivers to carry automobile liability insurance. The
minimum required amounts of liability coverage are $30,000 per person, $60,000 per accident and
$25,000 in property coverage.
Can I purchase additional amounts of liability coverage?
Yes. You can purchase up to $250,000 per person, $500,000 per accident and $100,000 in
property damage coverage. If you have a large amount of assets to protect, you may also want to
consider a liability umbrella policy in addition to your auto insurance policy. Personal Umbrella
policies can be purchased in amounts up to $10,000,000.00.
What is uninsured and underinsured coverage?
These coverage's cover you in case you are involved in an accident that was not your fault and the
party at fault does not have insurance or not enough liability insurance coverage. If you only have
the state minimum amount of liability insurance, you will only be allowed to purchase uninsured
What is comprehensive Coverage?
This provides coverage for covered losses that are not due to a collision. An example is a rock that
hits and brakes your windshield. You would use this coverage to replace your windshield.
Deductibles on this coverage range from $0 to $1000.
What is collision Coverage?
Collision provides coverage for your auto, due to an accident that is your fault. Most lenders will
require you to carry this coverage on your vehicle. Deductibles on this coverage range from $250
What are medical payments coverage?
In a nutshell, MedPay makes good on medical bills up to your coverage limit for you, your family
and others riding in your vehicle in case of an accident, regardless of who's at fault. Your medical
payments coverage moves with you (walking, riding with a friend or on public transportation, in-
state or out), as well as with your insured vehicles, regardless of who's driving. It carries no
deductible or co-pay.
What other coverage's are available?
- Towing & labor Coverage
- Rental Car Coverage
- Accidental death and dismemberment Coverage
- Audio Visual Equipment Coverage
- Custom Equipment Coverage