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Tom Wiecek is your local Dave Ramsey ELP Endorsed Insurance ProviderTom's Blog

"That's Not Covered" are the Last Words You want to Hear. That's Why We Want to Help You Understand How You Are Protected and Not Protected. This Resource Can Help You Make Informed Insurance Buying Decisions So YOu Can Get the RIGHT Insurance Protection for Your Needs.

Tom Wiecek, President

Steps to Getting a N.C. Driver’s License

Getting a N.C. drivers license involves many different things, so knowing ahead of time what to do, may save you time when it comes to getting yours. Below are the steps to getting a N.C. Driver’s License: (1) Determine the Type of Driver License You Are Getting  For 18 years and older, a standard driver’s license or learner’s permit would apply For below 18 years old, a “limited” learner’s permit would apply for new drivers For commercial drivers license, a CDL (Commercial Driver’s License) would apply. This would pertain to the operation of high occupancy vehicles (bus) or heavy transport vehicles (mobile carriers) (2) Be Aware of the Documents Required  Before entering the NCDMV office, [...]

Steps to Getting a N.C. Driver’s License2018-04-26T00:45:49-05:00

Find Out Whether You Need Insurance for Your Home-Based Business

Today, more and more people are operating businesses out of their own homes and while that sounds modern and convenient, it won’t be if an unexpected accident happens and you lack the right type of insurance needed. Many people don’t realize that their standard N.C. homeowners insurance policy provides limited coverage for their home-based business, so you need to find out whether you need insurance for your home-based business. Accidents Happen Imagine that you run a personal training business out of your home and one of your long-standing clients is at your home working out and injures his back performing an exercise. With no history of back issues, your client is now claiming he got [...]

Find Out Whether You Need Insurance for Your Home-Based Business2017-10-11T22:22:12-05:00

The FMCSA- Proposed Minimum Liability Limits Increase Has Been Withdrawn

When you travel on the highways and see motor carriers, you may only consider the transporting of goods from one location to another; however, there are many insurance issues going on right now involving the required minimum insurance limits. Present insurance limits were set in the mid-1980s, and in the last few years, groups have claimed the current minimum insurance limits are too low to cover the costs of today’s crashes; however, The Federal Motor Carrier Safety Administration (FMCSA) has officially stated the proposed minimum liability limits increase has been withdrawn, citing that a lack of information/sufficient data was not provided to back up a need for an increase. The FMCSA did a study that [...]

The FMCSA- Proposed Minimum Liability Limits Increase Has Been Withdrawn2017-10-11T22:19:24-05:00

The Most Common Risks Storeowners Face

As a storeowner, you have to juggle a lot of tasks on a daily basis and protecting your livelihood is right there at the top of your priorities. As you know, you have to be prepared to handle any unexpected mishaps that can and will occur, so while you know your business can be risky, you can minimize financial risks to protect your unique investment by being aware of the most common risks storeowners face. Can You Afford for This to Happen? Imagine getting a phone call at night stating that your store is up in flames, your building and entire inventory is destroyed, and now you can’t deliver promised goods to your customers. This [...]

The Most Common Risks Storeowners Face2017-10-11T22:15:43-05:00

What You Should Know About Fallen Trees and Your Homeowners Insurance

It’s that time of year when sunny skies can turn black in a matter of minutes and suddenly you are in the midst of a severe thunderstorm. Spring and summer are the most common times when storms can pop up quickly and without warning, trees can come crashing down on your property, car, or your neighbor’s home. Before the storm hits, there are things you should know about fallen trees and your homeowners insurance. The question of whether homeowners insurance policy provides coverage for fallen trees comes up every spring and summer, so keep in mind there are a multitude of factors to consider when determining whether coverage would apply. Below are some of the [...]

What You Should Know About Fallen Trees and Your Homeowners Insurance2017-10-11T22:11:52-05:00

3 Ways to Save on Boat Insurance

Now that the summer months are upon us, expect to see many more boats line the waters and witness people having a good time. In fact, if you are a boat owner, then you are probably one of those people who love to experience the thrill of your boat and the water, with family and friends. Shopping for boat insurance may not be one of the most thrilling things you do, so signing up for the cheapest, most advertised rate may seem like the easiest. The quicker you can sign up for that “cheap” rate, the quicker you can get on your boat for some real fun, right? Well, not so fast. You can actually [...]

3 Ways to Save on Boat Insurance2017-10-11T22:07:21-05:00

100 Most Dangerous Days for Teen Drivers

According to the National Highway Traffic Safety Administration, the period between Memorial Day and Labor Day is the most dangerous time for drivers age 15-20.  Even though summer doesn't officially begin until June 21, for most people, mentally, it starts on Memorial Day beginning the 100 most dangerous days for teen drivers. The joys of summer (more freedom, feeling more carefree, better weather) can unfortunately create higher risks for teen drivers. Less supervision, fewer schedules, staying out later at night with friends can lead to more risk taking and irresponsible behavior. So what's a parent to do? First, if you haven't already done so, download the Parent/Teen Driver contract from my website and execute it [...]

100 Most Dangerous Days for Teen Drivers2017-10-11T21:59:20-05:00

Money Saving Tips on Boat Insurance

Just like there are many different types of boats, there are just as many different types of boat insurance with varying rates and coverages, so trying to find what you need may get confusing and overwhelming. Finding the right type of boat insurance requires the same due diligence as deciding on which boat to purchase, so make sure you know what you are getting. It is possible to get the right type of boat insurance and still save money by following some money saving tips on boat insurance. Before You Set Sail, Know How to Save Money Do you always get what you pay for? If you don’t know what you are getting, you may [...]

Money Saving Tips on Boat Insurance2017-10-11T21:57:36-05:00

How to Get the Lowest Rate on Your Motorcycle Insurance

When purchasing a motorcycle, you probably invested a lot of money and time to find just the right one, but did you take the time to do all your research on the best motorcycle insurance protection or did you just purchase the “cheapest” guaranteed rate? Believe it or not, you CAN get exceptional insurance protection for your motorcycle while still getting a low insurance premium rate. Knowing how to get the lowest rate on your motorcycle insurance can save you money down the stretch. Taking the Cheap Route May End Up Being Costly Imagine making an investment in a motorcycle when it gets stolen. You thought you had great insurance protection because that’s what was [...]

How to Get the Lowest Rate on Your Motorcycle Insurance2017-10-11T21:49:54-05:00

How to Protect Your Investment with the Right Homeowners Insurance

Your home may be your biggest investment; therefore isn’t it worth protecting? While you may think the answer to this is an obvious “yes”, you may not know how to go about finding the best protection. Knowing how to protect your investment with the right homeowners insurance is just as important as the day you chose to invest in the home of your dreams. The “Right” Insurance is the Insurance Policy That Fits YOUR Needs There is no such thing as a “one size fits all” homeowners insurance policy that offers great protection for all homeowners, so what may be just right for you may be entirely different than the next homeowner. That is why [...]

How to Protect Your Investment with the Right Homeowners Insurance2017-10-11T21:37:36-05:00
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