Car Insurance with Your
Northern Neck Homeowners Policy

Currently, you can only purchase auto insurance with us with an accompanying  Northern Neck Insurance homeowners or renters insurance policy. Not only does it make managing your insurance easier, but it also brings you extra savings. When you purchase our auto and home insurance policies within 60 days of each other, you can take advantage of a 25% discount on your car insurance and an additional 10% off your homeowners insurance or renters insurance. 

Your car insurance policy may or may not include the following coverages. Contact your independent NNINS agent to review your policy. You can find your agent's contact information on your policy documents or on your NNINS online member account.

• Liability coverage: Medical costs due to injury or death and repair costs for property from a car crash you caused.
• Uninsured or underinsured motorist coverage: Medical and repair costs from a car crash with an uninsured or underinsured driver.
• Collision coverage: Repair expenses from car crashes regardless of who is at fault.
• Comprehensive coverage: Repair costs from damage that occurred outside of your control, such as weather-related damage, theft, vandalism, and animal hits.
• Liability Coverage or personal liability insurance refers to coverage in the case of bodily injury or property damage to other people (or their stuff) as a result of your actions - at your home, and anywhere else.
• Medical payments coverage: Medical payments for you and your passengers regardless of who was at fault.
• Personal injury coverage: Medical expenses, lost wages, childcare, funeral costs, and other expenses from a car crash regardless of who is at fault.
• Loan/Lease coverage or gap insurance: The expense of the difference between your car’s true market value and what you owe on the car if the insurance carrier deems your car a total loss in a claim.
• Towing and Labor coverage: An optional coverage to help cover expenses associated with common roadside breakdowns like a flat tire, running out of gas, or a dead battery.

Damage caused by normal wear and tear, intentional damage from something like damage from a DUI, and damage that exceeds your limits of liability are all examples of things not covered by your car insurance. Your coverage also depends on whether or not you have full coverage car insurance which includes comprehensive car insurance.

Towing and labor coverage is a car insurance endorsement or added coverage that provides a reimbursement of up to $75 or $100 per towing occurrence. You may use the vendor of your choosing and submit a claim with your towing receipt. You also may elect to add or remove this coverage from your policy by contacting your independent agent at any time. 

Damages from severe weather, such as tree damage, can be covered if you purchased optional comprehensive car insurance. You will be responsible for paying your deductible. This coverage also can include flood damage to your car.

Factors that impact auto insurance rates include:

• Driver Age
• Driver experience
• Car make and model
• How your car is used on a daily basis
• Driver history
• Claims history
• Geographic location

We understand that premium increases are frustrating. We encourage you to contact your local independent agent to determine the cause and check to see if anything can be done to lower your premium. We have some great discounts, especially when you bundle your coverages. We also encourage you to read more about what’s affecting car insurance rates and what’s affecting home insurance rates.