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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

Truck Drivers and Liability: What Happens If You’re at Fault in an Accident?

Truck Drivers and Liability: What Happens If You're at Fault in an Accident? For truck drivers, the road comes with risks, and accidents can happen despite the best precautions. Truck driver liability in an at-fault accident can lead to significant financial and legal consequences.. Understanding how liability works and ensuring you have the right trucking insurance coverage is crucial to protecting yourself and your business. Understanding Liability in a Trucking Accident When a truck driver is at fault in an accident, they (or their employer) are responsible for covering damages, which may include: Bodily Injury – Medical expenses, lost wages, and pain and suffering for injured parties. Property Damage – Repairs or replacement of other [...]

Truck Drivers and Liability: What Happens If You’re at Fault in an Accident?2025-03-28T14:05:21-05:00

Spring Home Maintenance and Your Homeowners Insurance

Spring Home Maintenance and Your Homeowners Insurance As spring arrives, it’s the perfect time for homeowners to inspect, repair, and refresh their properties after the challenges of winter. In addition to spring cleaning, it’s essential to evaluate your homeowners insurance policy to ensure you have the right protection for the season ahead. Paramount Insurance Agency is here to help you understand how your policy works with seasonal home maintenance. Why Spring Maintenance Matters Winter weather can take a toll on your home, leading to potential insurance claims if issues go unaddressed. Performing seasonal maintenance not only preserves your home’s value but can also prevent costly repairs that may or may not be covered by insurance. [...]

Spring Home Maintenance and Your Homeowners Insurance2025-03-28T14:03:01-05:00

What to Do After an Auto Accident: A Step-by-Step Guide

What to Do After an Auto Accident: A Step-by-Step Guide Getting into an auto accident can be overwhelming and stressful. Knowing what to do immediately after a crash can help protect your safety, ensure compliance with the law, and streamline the insurance claims process. Paramount Insurance Agency in High Point, NC, is here to guide you through the necessary steps. 1. Check for Injuries and Ensure Safety Your first priority is safety. Check yourself and passengers for injuries. If anyone is hurt, call 911 immediately. If it’s safe to do so, move your vehicle out of traffic to prevent further accidents. 2. Call the Authorities Even if the accident is minor, call the police. A [...]

What to Do After an Auto Accident: A Step-by-Step Guide2025-03-20T10:14:15-05:00

What is the MCS-90 Form for Trucking Businesses?

What is the MCS-90 Form for Trucking Businesses? If you run a trucking business, you may have heard of "MCS-90" in insurance discussions. But what is the MCS-90 form, and why does it matter? At Paramount Insurance Agency in High Point, NC, we help trucking companies navigate insurance complexities, including federal requirements that affect operations. Understanding the MCS-90 Form The MCS-90 form is an endorsement attached to a motor carrier’s liability insurance policy to meet federal regulations. It is required for trucking businesses transporting goods across state lines under Federal Motor Carrier Safety Administration (FMCSA) rules. This form proves a motor carrier has financial responsibility for public liability. It covers bodily injury, property damage, and [...]

What is the MCS-90 Form for Trucking Businesses?2025-03-20T09:06:19-05:00

Top Insurance Tips for First-Time Homebuyers in North Carolina

Top Insurance Tips for First-Time Homebuyers in North Carolina Buying your first home is exciting, but it also means making smart choices about insurance. At Paramount Insurance Agency, we’re here to help North Carolina’s first-time buyers protect their investment. Here’s what you need to know: 1. Know What Home Insurance Covers Home insurance typically protects your house, personal belongings, liability, and living expenses if your home becomes uninhabitable. In North Carolina, however, flood and earthquake damages aren’t covered by standard policies. If your new home is in a high-risk area, consider adding extra coverage. 2. Compare Quotes to Save Money Insurance rates differ between providers, so shopping around is essential. Paramount Insurance Agency works with [...]

Top Insurance Tips for First-Time Homebuyers in North Carolina2025-02-27T16:43:18-05:00

How to Save on Commercial Auto Insurance in North Carolina

How to Save on Commercial Auto Insurance in North Carolina Commercial auto insurance is essential for protecting your business vehicles and drivers, but it doesn’t have to be expensive. At Paramount Insurance Agency in North Carolina, we understand the importance of managing expenses while keeping your business protected. Here are practical tips to help you save on commercial auto insurance without compromising on coverage. 1. Bundle Your Insurance Policies One of the simplest ways to save is by bundling your commercial auto insurance with other business policies. Paramount Insurance Agency offers a range of commercial coverages, including general liability, property insurance, and workers’ compensation. By consolidating your policies with one provider, you can qualify for [...]

How to Save on Commercial Auto Insurance in North Carolina2025-02-25T11:11:13-05:00

Review and Refresh: When to Update Your Insurance Policies

Review and Refresh: When to Update Your Insurance Policies Life is constantly changing, and so are your insurance needs. Whether you’ve recently purchased a new home, expanded your business, or even just upgraded your car, it’s essential to keep your insurance policies up to date. At Paramount Insurance Agency, we believe that regular policy reviews are a crucial step to ensuring you’re adequately protected. Here’s when you should consider updating your insurance policies and why it’s so important. Why Update Your Insurance Policies? Insurance is not a one-size-fits-all solution. As your life evolves, your coverage needs may increase or decrease. Failing to adjust your policies can leave you underinsured or even paying for coverage you [...]

Review and Refresh: When to Update Your Insurance Policies2025-02-20T10:11:25-05:00

Essential Insurance Coverage for Your Trucking Company

Essential Insurance Coverage for Your Trucking Company Running a trucking company comes with significant risks, making the right insurance coverage essential for protecting your business, drivers, and assets. Whether you operate a single truck or a large fleet, having the appropriate insurance ensures compliance with legal requirements and financial security in case of accidents or unforeseen events. Here are the key types of insurance every trucking company should consider. 1. Primary Liability Insurance This coverage is legally required for all trucking companies and protects against damages or injuries caused to others in an accident where the truck driver is at fault. It does not cover damage to your own truck but ensures you meet federal [...]

Essential Insurance Coverage for Your Trucking Company2025-02-14T15:40:38-05:00

Navigating the 2025 Homeowners Insurance Rate Increases in North Carolina

Navigating the 2025 Homeowners Insurance Rate Increases in North Carolina In January 2025, North Carolina Insurance Commissioner Mike Causey reached a settlement with the North Carolina Rate Bureau regarding homeowners insurance rates. Initially, the Rate Bureau proposed a steep 42.2% average statewide increase, with some areas facing hikes of up to 99.4%. After negotiations, a more moderate increase was agreed upon to balance the financial stability of insurance providers with affordability for homeowners. Key Details of the Settlement Phased Rate Increases: Homeowners insurance base rates will increase by an average of 7.5% on June 1, 2025, followed by another 7.5% hike on June 1, 2026. This gradual approach allows homeowners to adjust over time. Territorial [...]

Navigating the 2025 Homeowners Insurance Rate Increases in North Carolina2025-02-10T09:48:29-05:00

Why Flood Insurance is Essential for North Carolina Homeowners

Why Flood Insurance is Essential for North Carolina Homeowners Living in North Carolina, we are no strangers to the power of nature. From hurricanes and tropical storms to heavy rainfall, flooding is a risk that many homeowners face across the state. At Paramount Insurance Agency in High Point, NC, we want to help you protect what matters most. Here’s everything you need to know about flood insurance and why it’s a crucial part of your financial safety net. Understanding the Risk of Flooding in North Carolina North Carolina is home to diverse landscapes, from coastal areas to mountainous regions, all of which are vulnerable to flooding. Even if you live in a low-risk area, heavy [...]

Why Flood Insurance is Essential for North Carolina Homeowners2025-02-14T13:37:01-05:00
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