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

In a Riot, Would Your Truck/Trailer be Covered?

The year 2020 brought along many difficult situations that changed the world as we knew it.  Along with a Pandemic, the year brought about many property losses due to riots, civil commotion and vandalism.  Streets all over the U.S. were swarmed with protesters and rioters which certainly created civil unrest in our communities, along with prompting a new set of exposures for the trucking industry. These difficult times have made trucking business owners take a new approach to protecting their trucks and trailers. Ask yourself  "In a riot, would  your truck and/or trailer be covered?" Business Solutions to Provide Peace of Mind During Those Unpeaceful Times, Such as a Riot Riots, civil unrest, and vandalism [...]

In a Riot, Would Your Truck/Trailer be Covered?2023-09-02T19:14:42-05:00

Is Your Business Auto Covered Under Your Personal Auto Policy?

This past year has looked different than most years in many ways.  Due to the Pandemic, more people have been working from home and many people have decided to explore being their own bosses.  Running your own business has its perks, but many things need to be considered before this happens.  For example, depending upon the type of business you are running, have you considered what that means for whether your business auto is covered under your personal auto policy?  As your life changes, so might your N.C. auto insurance needs. Consider the Usage of Your Business Auto As a new business owner, you need to consider any type of changes pertaining to the usage [...]

Is Your Business Auto Covered Under Your Personal Auto Policy?2021-03-22T16:39:21-05:00

Pothole Damages

If you drive your car with any regularity, you have encountered potholes on the road, especially during the winter months where snow, ice and wet weather are prevalent.  Potholes are caused by the streets freezing, thawing, and eventually cracking, which allows water to seep under the crack.  Hitting one of these potholes can be very damaging to your vehicle and you may find yourself at an auto repair shop to repair the damages. While you can’t prevent potholes in the road, you can find ways to avoid pothole damages to your car Common Types of Damages Caused by Potholes Following a snowstorm that covered the roads, you get into your car to drive to the [...]

Pothole Damages2021-03-11T08:32:09-05:00

Handling a Total Loss

You probably get into your car every day without giving much thought to having an accident.  But with more traffic on the roads and more distracted drivers, it’s no surprise that auto accidents are continuing to rise.  If you get into a car accident and your car is deemed a total loss, will you know what to do?  Handling a total loss does not need to be confusing and as stressful if you know what to do and the basis of how a total loss is determined.  In fact, the more you know the faster you can get back on the road! With the soaring costs of auto parts and labor to fix damaged vehicles, [...]

Handling a Total Loss2021-02-18T15:42:05-05:00

Are Your Valuables Adequately Protected?

Valentine’s Day is fast approaching and that means you may be on the receiving or giving end of some beautiful jewelry pieces.  Your gifts of past and present are treasured and the thought of losing these pieces or having them stolen would be devastating. Your grandmothers pearl necklace, the emerald ring gifted to you by your spouse, or any other beloved valuable(s) you have are all meaningful and cherished.  Imagine something happening to these prized possessions and then ask yourself whether your valuables are adequately protected. True Story Nobody likes to consider the unimaginable, but it’s time you do!  Home break-ins happen all too often, leaving the victim(s) violated and threatened, not to mention heartbroken [...]

Are Your Valuables Adequately Protected?2021-02-08T13:16:42-05:00

Are You Protected from an Earthquake?

If you are a resident of North Carolina, you don’t have to worry about experiencing an earthquake, right? Wrong! Just this past August, Sparta encountered an earthquake with a magnitude of 5.2 that literally “shook” those in Sparta and others as far as 300 miles away.  If you never thought about insurance protection for earthquakes, maybe you should reconsider.  Now you know earthquakes don’t just happen in California.  Any state can experience this sort of disaster and you need to be prepared for when it does.  Will you be protected from an earthquake if it strikes again? Homeowners Insurance Excludes Coverage for Damages Caused by an Earthquake Many people think their N.C. homeowners insurance policy will cover their [...]

Are You Protected from an Earthquake?2021-01-30T08:34:09-05:00

Your Homeowners Insurance Rate and How it is Calculated

If you are a homeowner, you understand the importance of protecting your investment with the right type of homeowners insurance, but when you pay your homeowners premium, do you ever wonder how that amount was established?  Keep in mind that while many insurance companies may rate differently, they all have some common variables that you should know that may shed light on your N.C. homeowners insurance rate and how it is calculated. 7 Rating Factors That May Impact Your Homeowners Insurance Premium If you are already a homeowner or in the market to purchase a home, then you may be surprised to find that you may pay more or less on your insurance premium than [...]

Your Homeowners Insurance Rate and How it is Calculated2021-01-30T08:35:53-05:00

5 Ways to Get the Lowest Rates on Trucking Insurance

Whether your trucking business is seasoned or a new venture, trucking insurance will be one of your greatest expenses. And unfortunately, rates continue to rise. So, how do you keep your insurance expenses down for the long haul? Here are 5 ways to get the lowest rates on trucking insurance. Maintain Clean Driving Records- Your drivers can make a huge impact on your trucking insurance premiums. Insurance companies know that claim settlements resulting from trucking accidents can be astronomical. Statistically, a driving record with just one traffic violation will lead to an increased probability of claims from accidents. Before hiring a driver, run a Motor Vehicle Report (MVR) so you won’t be surprised when your [...]

5 Ways to Get the Lowest Rates on Trucking Insurance2020-05-08T08:37:32-05:00

CDL License(s) and How to Obtain It

If you are in the trucking industry or interested in pursuing a career driving a commercial vehicle/truck, you will probably be required to obtain a Commercial Driver’s License, otherwise known as CDL.  As a truck driver, you are in the business of hauling and transporting goods across the United States and while this profession comes with its own share of inherent risks on the roadways, it can be quite profitable.  However, before you get started, you need to find out about CDL license(s) and how to obtain it.    Steps Required to Obtain a CDL License(s)     There are some required steps required to obtain your CDL license; however, keep in mind there are some [...]

CDL License(s) and How to Obtain It2020-03-27T17:59:28-05:00

CDL Licenses and Categorizations

A Commercial Driver’s License (CDL) is a type of driving license required to operate commercial motor vehicles including passenger buses, tractor trailers, and semi-trucks, to name a few.  If you are preparing for a career in the transport business on the road, you are most likely required to obtain your CDL before you can begin.  There are varying types of CDL licenses and categorizations regarding the types of vehicles you are permitted to operate, and they are Class A, Class B, and Class C.  Furthermore, the classifications are determined by the vehicle’s gross vehicle weight rating (GVWR) along with other features. As you can imagine, operating commercial motor vehicles requires specialized skills and comes with [...]

CDL Licenses and Categorizations2020-03-14T08:58:11-05:00
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