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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

Why Trust an Independent Insurance Agent With Your Protection

You have many choices on how you buy insurance but many people don't understand there are major differences in the types of agents offering insurance protection. You can buy insurance directly from an insurance company (big mistake), use a captive agent or an independent agent. Here's why you should trust an independent insurance agent with your protection. First of all, there are two different types of insurance agents. A Captive Agent is typically an employee of the insurance company they represent. You can recognize this type of agent because they offer insurance products from only one insurance company. An Independent Insurance Agent offers insurance products from multiple insurance companies and is not an employee of [...]

Why Trust an Independent Insurance Agent With Your Protection2018-04-26T00:30:30-05:00

Am I Covered If…

Insurance is very confusing. Policies are full of endorsements, exclusions and limits and most policy holders really don't know how they are covered until something bad happens. Understandably, we get a lot of "am I covered if.." questions. So, let me answer some of the most common questions we get. My neighbor’s tree falls on my fence? Your NC homeowners insurance will normally pay for damage to the fence and removal of the tree. However, if the tree or part of the tree was dead and you warned him that it was dead, your neighbor would become liable and their homeowners insurance should pay. My sewer line backed up into my house and damaged my [...]

Am I Covered If…2018-04-26T00:30:15-05:00

Tips for Driving Safely Around Tractor Trailers

One of the learning experiences young drivers get at the StreetSafe Teen Driving program is the awareness of how dangerous driving near tractor trailers is. Old Dominion Freight sends a driver and his truck to teach the teens how to avoid one of the most dangerous situations they can experience on the highway. Participants climb into the truck to realize just how little these drivers can see around their rig. No pun intended but it is a real “eye opener”! Here are some tips for driving safely around tractor trailers that I thought all drivers should be aware of. Stay Out of Truck Blind Spots or “No Zones”– Just as your car has blind spots, [...]

Tips for Driving Safely Around Tractor Trailers2020-03-24T23:39:08-05:00

Should I Buy Rental Car Insurance

You’ve probably been at the rental-car counter, wondering “should I buy rental car insurance?” And thoughts race through your mind. “Is this a rip-off? Doesn’t my own auto insurance policy cover me? Does my credit card cover rental cars? Why didn’t I look into this before I left on my trip?” At Paramount Insurance, we are here to help. And while every situation may be different, here are some general tips that will help you make an educated decision the next time you rent a car. 1. Know your personal auto policy. Because auto insurance policies vary, it’s a good idea to give us a call before you rent a car. In most instances, if [...]

Should I Buy Rental Car Insurance2018-04-26T00:29:49-05:00

Best Used Cars for Teenage Drivers

In case you're planning to buy a used car for your teen this year, or you're trying to decide which of your existing cars might be the best one for her to drive, the Insurance Institute of Highway Safety (IIHS) is working hard to help you. For the first time ever, they have released their list of the Best Used Cars for Teenage drivers. The reason for this release is their research has shown that many teens are not driving vehicles with good crash protection or safety technology. The IIHS is known for its top safety picks of new car models; but its research found that 83 percent of parents who buy a car for [...]

Best Used Cars for Teenage Drivers2020-03-25T21:17:35-05:00

Take the Time to Take a Home Inventory

So, can you list everything you own from memory? Do you have an itemized home inventory list? I didn’t think so. Very few people take the time to do this. The fact is most people own more things than they realize. It’s easy to remember the furniture stereo, computer, TV but what about every tool in the garage? Or every pair of pair of pants or shoes in your closet? For insurance purposes all of these items are considered personal property. And if your home is destroyed by fire, tornado or some other disaster, having a list of your possessions makes filing a homeowners insurance claim easier — and helps you put your life back [...]

Take the Time to Take a Home Inventory2020-11-24T21:38:28-05:00

Is It Time For an Insurance Protection Review?

Summer is here and if you haven't already been on vacation, you may be planning one soon. Here's another date you ought to consider getting on your calendar. How long has it been since you have an insurance protection review from your insurance agent? What has changed in your life since then? Do you have teens who are driving? Have you remodeled your home? Did you add a pool to your property? Or did you buy any new 'toys' such as firearms, jet skis, etc.? Any of these events and many more could mean you need to review your insurance coverage so that you understand your protection fully. That's why we recommend that our clients [...]

Is It Time For an Insurance Protection Review?2018-04-25T19:34:04-05:00

100 Deadliest Days For Teen Drivers

According to the National Highway Traffic Safety Administration (NHTSA) the time between Memorial Day and Labor Day is the deadliest for drivers 15-20 years of age. The Insurance Institute of Highway Safety (IIHS) informs us that the highest number of fatal car accidents (regardless of age) occur in July, with August and June being second and third respectively making summer known as the 100 deadliest days for teen drivers. There are a number of factors that contribute to the summer months being the most dangerous. Some that we really can't control are: 1) Roads are more congested due to vacation travelers 2) Vacation drivers are more dangerous due to being unfamiliar with the area and [...]

100 Deadliest Days For Teen Drivers2018-04-26T00:24:49-05:00

How to Prepare for Flood Season

Flooding is inevitable. Every time it rains, there’s a possibility of flooding. You may think that you are living in an area free from flooding but this may turn out not to be the case. Flood can occur nearly everywhere in North Carolina. It is therefore important that you how to prepare for flood season in case you suffer from a flood emergency. A crucial point to note is that your renters or homeowners insurance doesn’t cover any damages caused by flooding. There are custom made insurance programs that we can discuss with you. You can contact us or email us for more information, especially if you live within North Carolina. How to prepare for [...]

How to Prepare for Flood Season2018-04-26T00:26:15-05:00

Common Causes of Boating Accidents

There’s no substitute for experience and education when it comes to boating safety. Having the knowledge and experience to know how to avoid or react to the most common causes of boating accidents can not only reduce damages but can prevent injuries or worse. In 2012, the US Coast Guard reported 4,515 accidents that involved 651 deaths, 3,000 injuries and $38 million in damages as a result of recreational boating accidents. Almost 71% of the fatalities, drowning was the cause of death and of those, 85% were not wearing a life jacket. Of these accidents, here are the top 10 causes… #1- Operator Inattention #2- Operator Inexperience #3- Improper Lookout #4- Machinery Failure #5- Excessive [...]

Common Causes of Boating Accidents2018-04-26T00:25:58-05:00
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