North Carolina Farm Bureau Insurance Group
You’ve found the vehicle that’s just right for you, so you want to make sure that you can drive it home with the peace of mind that you’re covered. Your NC Farm Bureau Agent can help walk you through each step of the process. Additionally, this guide outlines what you’ll need to know before and after the sale - and how to access the information you’ll need through your Customer Portal account.
What You'll Need at the Dealership
Am I Covered?
Verify Coverage with Your Agent
To complete your purchase, most dealerships will require the following insurance policy documentation from you:
Policy Number and Effective Dates of Policy
Agent Contact Information
Policy Coverage information, including Liability Limits and Deductibles for Comprehensive and Collision coverages.
Your NC Farm Bureau Agent can assist you with this information.
Search for your agent’s contact information by Location, County or Name.
If you’re unable to reach your agent, don’t worry – all of the information listed above can be found in your Policy Declarations. If you don’t have a current copy, you can log in to the Customer Portal to access these documents.
Now that you have the policy information needed from your Policy Declarations page, you will need to make sure the coverage is sufficient for your new vehicle.
Customers with active NC Farm Bureau Mutual Insurance automobile policies may add a newly acquired vehicle with the same coverage currently listed on their active policy. In most instances, the newly acquired vehicle is automatically covered for 30 days until the change to add the vehicle can be processed.
So what are the coverage considerations and exclusions you need to know? Instead of burying it in the fine print, below are some of the provisions and exclusions that apply:
If the newly acquired auto is replacing an existing vehicle on your Policy Declarations, it will have the same coverage as the vehicle it replaced as long as you request the change be made to your policy within 30 days of becoming the owner.
If the newly acquired auto is in addition to any shown on your Policy Declarations, it will have the broadest coverage we now provide for any vehicle listed if you ask us to add it to your policy within 30 days of becoming the owner.
If your new vehicle is a pickup truck or van that will be used for delivery or transportation of goods and materials, it’s only covered under the rules above if it is used for farming or ranching, or if the transportation is related to your business of installing, maintaining or repairing furnishings or equipment.
If the new vehicle is added to another policy written by us or any other company prior to the 30 days elapsing, coverage on your existing policy will terminate for this vehicle on the effective date and time of the new policy.
If the dealership is requiring increases in liability limits or coverage that you currently don’t have listed on your Policy Declarations, you will need to contact your NC Farm Bureau Agent to authorize and bind this updated coverage to your policy.
Don’t depend on the dealer to submit your request to add the vehicle.
Make sure you speak with your NC Farm Bureau Agent about adding the vehicle to your policy, and any other changes you might need at that time. The change request must be made within 30 days after you take ownership of the vehicle.
Once your change request has been processed, you will receive a new set of Policy Declarations and Proof of Insurance card for the new vehicle.
Congratulations, and enjoy your new vehicle!
Questions about your bill or the claims process? Here are answers to questions that we are frequently asked.
Insurance terminology can seem complicated. This glossary might help you better understand your policy.
Our customer service team is available to answer your questions. Click below to contact us via email, or call us at (919) 782-1705 (M-F, 8:15 am – 5:00 pm, ET)
Email us: firstname.lastname@example.org
Our agents are always willing to help if you have any questions.
North Carolina Farm Bureau Insurance Group P.O. Box 27427
Raleigh, NC 27611-7427