Learning Center

Visit the Learning Center to Find the Answers to Your Insurance Questions

When it comes to understanding the intricacies of the insurance world, the more resources you have at your disposal, the better. That's why TruOptions has created a home base for you to find all the tools you need to stay informed about the insurance industry and all of your options.

When you team with TruOptions, not only do you get the benefit of nearly 30 years of experience, but we also offer a variety of resources to help you expand your base of knowledge when it comes to insurance. We provide a wide variety of articles covering a host of pertinent topics, plus glossaries, FAQs and calculators.

After you've found all the information you need in our Learning Center, give us a call us at 919.957.3333 or send us an e-mail to schedule an appointment with your personal advisor.

Automobile Insurance Basics


Automobile insurance is used to protect you against expenses if you are involved in an automobile accident.

Liability coverage is required by North Carolina law.

The liability section can be separated into Bodily Injury Liability and Property Damage Liability.  Bodily Injury will pay for damages to other people as a result of an accident caused by you or another covered driver.

Automobile Insurance Quote Basics


Automobile Insurance rates are determined through underwriting.  Underwriting is the process by which an insurance company considers your application and evaluates your driving record and other factors to see if you meet its guidelines.

Insurance companies use a variety of factors to determine the level of risk each applicant presents.  Each company will use its own underwriting guidelines.

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Bruce Matthews

C. Bruce Matthews, CWM®, CTEP®
Founder Of Truoptions

With over 25 years of
experience in aiding North
Carolinians, Bruce Matthews
is the choice as a
knowledgeable partner
to help you understand
your insurance and
financial options.