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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

Typical Life Insurance Myths

Typical Life Insurance Myths  Discussing life insurance may not be high on your list of preferred topics, but perhaps it should be. Many people have numerous questions about how much coverage is necessary, if it is needed at all, and what type of life insurance to purchase. This type of insurance doesn't have to be complicated if you are aware of some typical life insurance myths. You might not realize that life insurance is designed to protect the people who love and depend on you. Imagining what life might look like for your family if something unexpected happens to you is difficult. However, if you have loved ones counting on you financially, it is recommended [...]

Typical Life Insurance Myths2024-06-06T08:16:10-05:00

How a Consent to Rate Letter Affects You 

How a Consent to Rate Letter Affects You  Perhaps you have heard of a Consent to Rate form, but never paid much attention to what it involves, until NOW.  You just received one in the mail and now you NEED to know how it pertains to you.  Find out how a Consent to Rate Letter affects you and what you need to do should you receive it.   First of all, you need to know what a Consent to Rate Letter is before you can know how it may impact you and your N.C. homeowners and auto insurance premium rate.  The N.C. Insurance Commissioner endorses rates for both homeowners and auto insurance policies for the state of North Carolina, [...]

How a Consent to Rate Letter Affects You 2024-05-30T07:28:05-05:00

Dangerous Dog Breeds-Best Friends or Foes? 

Dangerous Dog Breeds-Best Friends or Foes?  Owning a dog can be very rewarding, but may come with its share of risks, especially if your dog bites someone.  Approximately 4.5 million people are victims of dog bites per year according to the Centers for Disease Control and Prevention.  Although your N.C. homeowner’s insurance typically provides liability coverage for dog bites, up to the acquired limits of liability, you may find yourself in a financial bind if you are the owner of a certain breed(s) deemed as “dangerous.”  Before you purchase or adopt a dog, you may want to reflect on what is considered to be “dangerous” dog breeds.  Some insurance carriers may refuse homeowners coverage for [...]

Dangerous Dog Breeds-Best Friends or Foes? 2024-05-28T10:25:19-05:00

Unmarried Couples Living Together and How It May Affect Their Auto Insurance

Unmarried Couples Living Together and How It May Affect Their Auto Insurance  The number of unmarried couples living together continues to rise, potentially saving individuals money initially. However, what many don't realize is that these couples may face lawsuits or denied auto insurance coverage. Such risks could be financially overwhelming. Learn more about the impact of unmarried cohabitation on auto insurance. A standard N.C. auto insurance policy specifically states that insurance follows the car and not the driver.  For instance, if you permit your friend (who resides separately) to drive your car while her car is undergoing repairs and she causes an accident, the insurance on your car is deemed primary. Keep in mind two [...]

Unmarried Couples Living Together and How It May Affect Their Auto Insurance2024-05-28T07:22:00-05:00

Price Isn’t the Only Factor When Choosing Your N.C. Business Insurance

  Price Isn’t the Only Factor When Choosing Your N.C. Business Insurance  As a business owner, you must prioritize day-to-day operations, assess potential risks that could threaten your business, and minimize those risks by investing in the right type of insurance protection.  While it may sound easy enough, there are many factors to consider when purchasing business insurance for your livelihood.  While price may be an initial concern, it should not be the only factor when choosing your N.C. business insurance.  Business Insurance Shouldn’t be One Dimensional  While many business insurers claim to offer the best price, will it provide adequate protection when a catastrophic incident happens, or will you be subject to holes in [...]

Price Isn’t the Only Factor When Choosing Your N.C. Business Insurance2024-05-23T10:14:25-05:00

Being Prepared to Handle a Total Loss 

Being Prepared to Handle a Total Loss  Regardless of how careful you are, accidents can still happen and when they do, stress abounds.  It is never convenient to incur auto damages, but what if your car is rendered a total loss?  With rising costs of auto repair/replacement parts, along with soaring labor fees, a total loss may not be as surprising as it once was.  Being prepared to handle a total loss situation won’t prevent accidents but can help reduce stress and help you get back on the road as soon as possible.  Imagine having a car that is only a year old when someone hits you in the rear.  You get out and inspect [...]

Being Prepared to Handle a Total Loss 2024-05-23T08:33:35-05:00

Saving Money As Your Car Ages

Saving Money As Your Car Ages  Just a few years ago you purchased a car that was brand new, but as the years have gone by and the mileage has increased, you may find your N.C. auto insurance policy may need to be adjusted.  When you drove out of the car lot, you most likely took out full auto coverage, either by choice or required, depending on whether there was a lien on the car.  This full auto protection was necessary then, but is it now or are you paying for some coverages you no longer need?  Saving money as your car ages is indeed possible if you are aware of some key tips.  N.C. [...]

Saving Money As Your Car Ages2024-05-22T12:27:43-05:00

Public Wi-Fi And the Dangers

Public Wi-Fi And the Dangers  In our world today, everything revolves around technology.  Whether in cars, grocery stores, restaurants or coffee shops, you'll find people staring at their phones or working on their computers. While there are many perks to this, there is also a significant downside.  Did you know that some of those people you may see on their laptops and/or phones may be trying to steal YOUR identity?  So, before you think about signing onto your computer, you need to know about public Wi-Fi and the dangers associated with it.  Free Wi-Fi May Cost You   The ability to work on phones and laptops from anywhere is an amazing feat, but the growing trend [...]

Public Wi-Fi And the Dangers2024-05-22T07:30:22-05:00

Some of the Most Common Homeowner’s Claims 

Some of the Most Common Homeowner’s Claims  Owning a home means you will inevitably encounter some type of homeowners claim, such as a plumbing issue, damaged property, or theft, to name a few.  Regardless of the unexpected situation, you will be faced with damage to your home or property, some of which can be quite costly.  Knowing some of the most common homeowners claims along with having the right homeowner’s insurance protection is essential to protecting perhaps your biggest investment.  Helpful Information to Prepare for the Common Homeowner’s Claims’  Knowing some of the most common homeowner's insurance claims won’t prevent them from happening but can help you prepare for those unexpected claims when they do. [...]

Some of the Most Common Homeowner’s Claims 2024-05-21T20:54:42-05:00

How to Get Your CDL License 

How to Get Your CDL License  The trucking industry in the United States is the “backbone” of our economy as we rely heavily on the transportation of goods. Truck drivers are hailed as “essential” to our society and you may see an increasing rise in the number of people who wish to pursue this type of profession.  However, before you can become a truck driver or bus driver, you are required to obtain a Commercial Driver’s License, otherwise known as your CDL.  Find out how to get your CDL license today so you can join the other drivers in this most valuable profession.  Whether your plan is to transport goods from manufacturing locations to retailers, [...]

How to Get Your CDL License 2024-05-21T15:06:52-05:00
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