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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

3 Ways to Slash the Cost of Trucking Insurance

Your Local Trucking Insurance Specialists Government regulations, high fuel cost, reduced hours of service and increasing insurance rates are making it more difficult than ever for trucking firms to make a profit. In this article, we'll share with you the top three ways to slash the high cost of trucking insurance. #1- Avoid accidents and violations. Obviously, this is the number one way to control your insurance costs. Accidents are going to happen. Some are preventable and avoidable though. Proper maintenance and staying alert can help prevent the majority of accidents on the road. #2– Shop around. Or better yet, use one agent that can do the shopping for you that has [...]

3 Ways to Slash the Cost of Trucking Insurance2018-04-26T00:23:37-05:00

Protect Your Trucking Business

American small truck business owners are facing very challenging times. Especially, smaller trucking businesses that don’t have the resources to conform to the big government regulations that are forcing so many out of business. In this article, we’ll help you learn how to protect your trucking business. In this blog, you’ll find tips and strategies that we have found to help other trucking firms like yours run efficiently, reduce expenses and become more profitable. Plus, we know that people do business with people they know, like and trust. We hope to give you an introduction of who we are and how we help your trucking business get the right trucking insurance protection at the lowest [...]

Protect Your Trucking Business2018-04-26T00:23:27-05:00

Is Your College Student Covered

This time of year we get a lot of questions about insurance from parents whose teens are heading off to college. So, this makes me wonder how may parents don't even think about this and thought I better answer the question "Is Your College Student Covered?" plus some to other questions you may have never thought of. Auto Insurance Many freshmen don't have the option of having a car on campus, so those parents who have been paying high auto insurance rates for their teen to drive (and now are faced with college expenses) are trying to decide if cancelling their teen's auto insurance will save them money. Yes, it will save you money on [...]

Is Your College Student Covered2018-04-25T18:54:10-05:00

Why we are committed to helping parents of teen drivers

A little over seven years ago, I got a call from a long time client of mine. Little did I know, this call was about to change the way I look at my business and how I help my clients. When I answered the phone, I knew instantly something was terribly wrong. He’s voice was strained and I could tell he was about to tell me something really bad. Then the words came out. “Tom, my son Chris died Sunday night in a car accident.” My heart sunk. There was a long pause and I could tell he was in the worst pain any father could ever experience. I didn’t know what to say. Then [...]

Why we are committed to helping parents of teen drivers2018-04-26T00:23:15-05:00

Potential Problems with Homeowners Insurance

North Carolina's most common homeowners insurance policy is the HO-3 Standard Form. Most insurance companies will add many endorsements to this policy usually to enhance the coverages but some endorsements may limit or exclude coverage as well. In this article, I'll share with some of the most common potential problems with homeowners insurance. Be sure to read your policy to see if you could be left without protection for your own individual needs or give us a call. Business Related- If you conduct any business in your home or keep any business property in your home- Let your agent know! There are some changes you can make to avoid serious problems. A homeowners insurance policy [...]

Potential Problems with Homeowners Insurance2018-04-26T00:22:32-05:00

Are Your Most Valuable Items Covered?

Important: The standard NC homeowners insurance policy provides very little insurance for valuable items. Recently, my neighbor called me to tell me her home was broken into and asked if we saw anything suspicious around her house that day. We didn't but I went over to see if there was anything I could do to help and find out what happened. Apparently, someone broke in through her back door and stole over $80,000 worth of jewelry during the day while she was away. Her career requires a lot of travel abroad and over the years, she's collected jewelry to pass down to her grand daughters. When I asked her if she had a valuable items [...]

Are Your Most Valuable Items Covered?2018-04-25T18:53:47-05:00

FREE SMS Pre-Alert Notification Service Gives Small Trucking Firms Peace of Mind Knowing They are Safe From CSA Headaches

Do you feel "big brother" is too involved in your business as a motor carrier? Are you finding it increasingly difficult to comply with all those FMCSA standards and still operate your business as a motor carrier? Is that precious down time that you previously devoted to family and friends now spent trying to satisfy burdensome regulations? Do you say to yourself, "All I want to do is drive my truck and make enough money to feed my family?" Or . . . . . . "HOW CAN I GET THE GOVERNMENT OFF MY BACK?!" Unfortunately, as a motor carrier you cannot unless you operate your business within the FMCSA's standards. Our number one goal [...]

FREE SMS Pre-Alert Notification Service Gives Small Trucking Firms Peace of Mind Knowing They are Safe From CSA Headaches2018-04-26T00:21:21-05:00

Attention Parents of Teen Drivers: Personal Liability Umbrella – Your Most Important Insurance Policy

I hope this story doesn't disturb you. I just think you should know what can happen. Too many insurance agents are afraid to share the real truth. Not me.I recommend a Personal Liability Umbrella for parents of teen drivers. Not many insurance agents do unfortunately. When I first became an insurance agent back in 1994, I helped a couple with their home and auto insurance. Fresh from insurance training, I followed everything I was taught to do and encouraged this couple to get the right protection for their specific needs which included a personal liability umbrella. They had an expensive home, nice cars and 2 young children... way too much on the line if something [...]

Attention Parents of Teen Drivers: Personal Liability Umbrella – Your Most Important Insurance Policy2018-04-26T00:21:02-05:00

What Unmarried Couples Should Know About Car Insurance

Last week I shared the Potential Gaps in Homeowners Insurance for Unmarried Couples Living Together. Based on the number of questions and calls we received after that post, I realized I needed to quickly provide this follow up post on auto insurance. If you missed the previous post, be sure to check it out as soon as you finish reading this. As the number of unmarried couples living together continues to rise, more and more individuals may be unknowingly at risk for an uncovered claim or lawsuit. Either of these can be financially devastating. The typical North Carolina auto policy has specific language in it that can greatly affect unmarried couples living together and their [...]

What Unmarried Couples Should Know About Car Insurance2018-04-26T00:19:30-05:00

Potentially Costly Gaps in Homeowner Insurance for Unmarried Couples Living Together

According to US census data collected over the 50 years between 1950 and 2000, the number of unmarried couples living together has increased from 20% to 50% of households. Based on this trend, that number is expected to increase even higher when the 2010 census data is released. If you are in a living together and unmarried relationship, there are some potentially costly gaps in both your homeowners insurance and auto insurance policies. In this article, we'll focus on home insurance and in our next blog post, we'll cover the gaps in your auto insurance policy. Gaps in Personal Liability Insurance Most homeowners insurance policies in North Carolina provide liability insurance protection for the named [...]

Potentially Costly Gaps in Homeowner Insurance for Unmarried Couples Living Together2018-04-26T00:19:30-05:00
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