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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

7 Safety Tips to Help You Avoid a Deer Collision

It is that time of year again! Between the months of October and December, deer are more active; thus increasing the chances you may be involved in a car collision involving a deer. According to the National Highway Traffic Safety Administration there are 1.5 million auto accidents involving deer each year in the United States. The result is approximately 150 human deaths, over 10,000 injuries to people, and about $1 billion worth of auto damages. Below are 7 safety tips to help you avoid a deer collision. 1.  Watch for Deer Crossing Signs Typically there are deer crossing signs visible in areas that deer frequent; however, just because there are no signs, doesn’t mean there [...]

7 Safety Tips to Help You Avoid a Deer Collision2018-04-26T00:40:32-05:00

What Type of N.C. Restaurant Insurance is Best for Your Restaurant?

As a restaurant owner, you understand that running your business can be many things including fun, exciting, and demanding, just to name a few. Protecting your restaurant with the RIGHT N.C. restaurant insurance can be complex and confusing with so many available options. So, how do you know what type of N.C. restaurant insurance is best for your restaurant? First of all, as the restaurant owner, you know that one size does not fit all. Each restaurant is different so what may work for yours may not work for the one across the street. However, what all North Carolina restaurant owners DO need for their insurance protection is: Building Protection Business Personal Property General Liability [...]

What Type of N.C. Restaurant Insurance is Best for Your Restaurant?2018-04-26T00:40:21-05:00

Does N.C. Auto Insurance Follow the Car or the Driver?

It happens all the time! You and a friend jump in your car and your friend wants to drive your car or maybe you ask your friend to drive your car since you are tired. Never once thinking of an accident happening, you hand over the keys. Suddenly, out of nowhere, you hear POW and you realize your friend just wrecked your car! Now you are wondering whose insurance will pay. So, does N.C. auto insurance follow the car or the driver? Typically the auto insurance follows the car and NOT the driver of the car at the time the accident occurs. So, even though your friend wrecked your car, it still means your insurance [...]

Does N.C. Auto Insurance Follow the Car or the Driver?2018-04-26T00:39:26-05:00

Protect the Wedding of Your Dreams with Special Event Insurance

You just got engaged and now it’s time to plan your wedding. You have dreamed about this for years and you have this grand idea about how it all should go. But, what happens when all of your images in your head are destroyed when something goes wrong? You have already invested a lot of time and money on planning your big day so the last thing in the world you want is to have it ruined. Find out how to protect the wedding of your dreams with special event insurance. Protection that Your Wedding Deserves The words “wedding” and “worry” should not be in the same sentence. Planning your wedding should be a happy [...]

Protect the Wedding of Your Dreams with Special Event Insurance2018-04-26T00:39:17-05:00

5 Mistakes Drivers Make When Buying Auto Insurance

You just purchased a car and now it is time to insure it. Sounds easy, right? Choosing the right kind of North Carolina auto insurance requires the same amount of homework you did when deciding what car to purchase. From the outside looking in, car insurance policies may all look the same and all the ads claim to have the lowest price, best customer service, etc. but do they really? The answer is NO, so let’s go over 5 mistakes drivers make when buying auto insurance. (1) Buying from an Employee of an Insurance Company Choosing the right type of North Carolina auto insurance is important especially if you are involved in an auto accident. [...]

5 Mistakes Drivers Make When Buying Auto Insurance2018-04-26T00:39:07-05:00

How Much Life Insurance Do You Need?

This question is one that comes up quite regularly and is indeed a good one to ask! Purchasing a North Carolina life insurance policy provides protection for your family and those that depend on you financially, after you are gone, but how much life insurance do you need?  Consider This…  You are a 55-year-old man who is the breadwinner of your family, which consists of a stay at home wife and 3 small children. Without a warning, you die of a heart attack and now what? Will your wife have to go to work now? Who will take care of the 3 children? What will happen to your home if there isn’t enough money to [...]

How Much Life Insurance Do You Need?2018-04-26T00:38:35-05:00

Steps to Protect Your Business from Cyber-Attacks

Running a business involves keeping up with a lot of details in order to properly protect your business.  Protecting all of the valuable data is a must in the cyber world in which we live.  Cyber-attacks have become a big problem in small to mid-sized companies, but the good news is that you can take the necessary steps to protect your business from cyber-attacks. Did You Know That More Than Half of All Small to Mid-Sized Businesses Have Been Hacked? Unfortunately this bit of information is TRUE!  Not only that, but of the businesses that were compromised, nearly 3/4 were not able to restore their information.  This is scary to know that every business is [...]

Steps to Protect Your Business from Cyber-Attacks2018-04-26T00:38:28-05:00

What Limits Should You Carry on Your NC Auto Insurance Policy?

In the state of North Carolina, you are legally required to purchase automobile liability insurance for any vehicle you are operating on the roads and highway. This liability insurance is required to pay for costs of injuries and damages for which you become legally responsible, but how do you know what limits you should carry on your NC auto insurance policy? What Are the North Carolina Minimum Insurance Liability Limits? North Carolina requires the minimum amount of liability coverage limits on an auto policy as follows: $30,000 for bodily injury liability per person, per accident $60,000 for all bodily injuries total per accident $25,000 for total property damage liability per accident So, when you are [...]

What Limits Should You Carry on Your NC Auto Insurance Policy?2018-04-26T00:38:14-05:00

Back to School Driving Tips for Parents and Teen Drivers

It is already August and there are “back to school” signs up everywhere to remind you and your kids that school is right around the corner!  Preparing for back to school is more than just buying pens, pencils, clothes, and books.  For those parents who have teen drivers in the household, it means your teen MAY be driving to and from school and safety must be enforced.  Back to school driving tips for parents and teen drivers is a must to discuss! Common Factors That May Lead to Accidents There are many contributing factors that may increase the risk of an accident for teen drivers.  Regardless of how much driving your teen has done, there [...]

Back to School Driving Tips for Parents and Teen Drivers2018-04-26T00:38:02-05:00

Finding out About N.C. Workers Comp -Part II

Being a business owner comes with a lot of responsibilities!  Sometimes when you are running a business and dealing with insurance protection, there may seem like there are no clear defining lines as to who fits where.  What if you are a contractor or even a subcontractor and get hurt on the job?  Is there a clear way to know who covers what under whose policy?  Find out about N.C. Workers comp insurance regarding being a contractor versus a subcontractor. What is the Difference Between a General Contractor and a Subcontractor? The business owner typically “contracts” a general contractor to evaluate a job, bid on the construction job, evaluate the estimated cost of what it [...]

Finding out About N.C. Workers Comp -Part II2018-04-26T00:37:44-05:00
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