Call Us 828.452.4699 ☰ ˟
828.452.4699 | 219 Walnut Street | Waynesville, NC 28786
| Superior Service and Peace of Mind
Logo
  • Our Agency
    • AboutImage of right arrow
      • Our Staff
      • Our Location
    • Get A Quote
    • Our Providers
    • BlogImage of right arrow
      • Tips to Handle Stress
      • Tax Season FAQs
      • Tips for Being a Responsible Pet Owner
      • Winter Safety Tips
    • Contact UsImage of right arrow
      • Overbay Insurance
    • Testimonials
  • Products
    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Classic Car Insurance
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Mobile Home Insurance
      • Earthquake Insurance
      • Secondary Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Vacation Rental Property Insurance
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
      • Jewelry Insurance
      • Personal Umbrella Insurance
    • Coverage for Your BusinessImage of right arrow
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property
      • Contractors Insurance
      • Loss Control Insurance
      • Workers Compensation
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Builders Risk Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Convenience Store and Gas Station Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Funeral Home Insurance
      • Water Well Drillers Insurance
      • Tow Trucks Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • HVAC Contractors Insurance
      • Landscaping Insurance
      • Law Firm Insurance
      • Limousine Services Insurance
      • Livestock Insurance
      • Maintencance Contractors Insurance
      • Manufacturing Insurance
      • Maritime Employers Insurance
      • Media & Advertising Insurance
      • Orthotics & Prosthetics Insurance
      • Technology Services Insurance
      • Personal Trainer Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Real Estate Businesses Insurance
      • Retail Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Specialized Truck Equipment Insurance
    • Business InsuranceImage of right arrow
      • Commercial Property Insurance
      • Inland Marine Insurance
      • Commercial Umbrella Insurance
      • Professional Liability
      • Crime Insurance
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Golf Cart Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Additional Insurance ServicesImage of right arrow
      • Vacation Rental Insurance
      • Rideshare Insurance
      • Special Event Insurance
  • Contact Us
    • Overbay Insurance
    • Location & Hours
    • Get A Quote
  • Epay Policy
Home > Auto/Car Insurance | Waynesville, NC

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Form

Auto Insurance Information

You can now purchase Nationwide home & auto coverage online from Overbay Insurance Service.
We are licensed to sell coverage to clients in North Carolina, South Carolina and Tennessee.

Buy Home & Auto Coverage Now >

 


If you are involved in an accident or you experience another loss related to your vehicle, you want to be protected against paying out-of-pocket for repairs or replacements. Auto insurance can be an important part of that protection. There are many policies available to you, so contact the agents at Overbay Insurance Services today to discuss your options. 

What Is Auto Insurance? 

Auto insurance, like other types of coverage, is a contract between you and your insurance company. You pay the insurance company a premium each month in exchange for that company’s financial protection in the event of a covered loss. 

What Do Auto Insurance Policies Cover? 

Depending on the policy you choose, your coverages will vary. Here are some of the most popular coverages: 

  • Collision insurance—This portion of your policy helps cover damage costs if you are involved in a collision.
  • Liability insurance—If you are at fault in a wreck, this type of coverage helps insure you against any damage you cause others. Most states, including North Carolina, require drivers to carry minimum amounts of liability insurance. There are two kinds of coverage included in liability insurance:
    • Property damage liability—This coverage helps pay for damage to the other driver’s property (e.g., their car).
    • Bodily injury liability—This coverage helps pay for medical bills and sometimes death benefits for the other person involved in the wreck.
  • Medical payments (MedPay) insurance—This portion of your policy helps you pay for the medical bills of you and your passengers if you are involved in an accident.
  • Uninsured/underinsured motorist insurance—This type of coverage helps you cover the cost of damages caused by someone who doesn’t have adequate auto insurance, specifically liability coverage.
  • Comprehensive insurance—This portion of your policy covers damages that are not related to a wreck, such as theft, weather damage or vandalism. 

Why Do I Need Auto Insurance? 

Again, most states, including North Carolina, require drivers to carry minimum amounts of liability auto insurance to operate a vehicle. If you are renting your car, your lender may also require you to have auto insurance. It is also always a good idea to insure your vehicle so that you and your passengers can stay safe on the road. 

Get Auto Insurance Today 

The agents at Overbay Insurance Services are committed to helping you find a policy to fit your specific needs. Give us a call at (828) 452-4699 or request an online quote today. 

 

Logo
Social Social Social Social
Quick Links Home About Us Refer A Friend Contact Us
Location 219 Walnut Street | Waynesville, NC 28786
Contact
Office: 828.452.4699 | Fax: 828.452.5995
Email: jon@overbayinsurance.com
© Copyright. All rights reserved. Powered by Insurance Website Builder