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Through our years of experience, we can prove time and time again that there is no substitute for having an agent to guide you in your decision-making process. There are many choices when it comes to personal automobile coverage. We will help you understand what coverage is required and what is optional. Our team of Trusted Advisors can assist you in customizing your coverage amounts to suit your exact needs and budget.

Below are some basic coverages that can be found in a Personal Auto policy

Bodily Injury Liability

Covers accidental injury or death of another person if caused by you in an automobile related accident.

Medical Payments

Medical costs following an accident can be expensive. Medical payments coverage can help pay medical costs related to a covered accident, regardless of who is at fault.

Other Than Collision

Covers your car against damage from fire, lightning, flood, theft, glass breakage, falling objects, and other specified perils.

Towing and Labor

This optional coverage may vary by company but typically includes the cost of towing your car to the auto repair shop and against some of the costs associated with roadside breakdowns such as dead batteries and flat tires.

Property Damage Liability

Covers accidental damage to other people’s property if caused by you in an automobile related accident.

Uninsured / Underinsured Motorist

Covers injury suffered by you, your family and anyone riding in your car against the uninsured / underinsured or hit-and-run driver.


This coverage may be added to your policy to repair or replace your car after an accident involving another vehicle or an object such as a tree, pole, guardrail or fence.

Rental Reimbursement

This optional coverage will help pay for a rental car in the event your vehicle is being repaired as a result of a covered claim.


Many of our carriers offer discounts to help manage your insurance premium. Ask an agent to see if you qualify for any of these discounts.

  • Multi Vehicle

  • Multi Policy

  • Higher Deductibles

  • Pay In Full

  • Payment Timeliness

  • Teen Smart Discount

  • Good Student

  • Insurance Score

  • EFT (Electronic Funds Transfer)

  • E-Policy


Catawba Insurance Agency is ready to assist you with your insurance needs through excellent coverage, competitive rates, and quality service.

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