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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

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

Help Make More Teens Safer Drivers- Spots Open September 8th

Just got off the phone with Doug Darrell, the founder and director of StreetSafe Teen Driving Experience. This is a four hour course taught by emergency first responders providing the ultimate education and experience of the most common mistakes teen drivers make and how they should avoid them. Well, Doug told me if we can fill up the morning session in the next few days, they will add a second session for the September 8th event giving up to 70 more teen drivers the opportunity to experience StreetSafe. . Here's what your teen driver will experience: The inside session features real life stories and videos of how teens destroyed their lives and others while driving [...]

Help Make More Teens Safer Drivers- Spots Open September 8th2021-08-05T08:53:28-05:00

Exclusive SMS Monitoring Service For Trucking Companies

Trucking companies are now facing harsh regulatory action from the federal government. The FMCSA (Federal Motor Carrier Safety Administration) enacted the CSA program (Compliance, Safety and Accountability) to monitor 5 primary behavior analysis and safety improvement categories (BASICs). Each of these categories are scored with a SMS (Safety Measurement System) score. When any of these scores reach high levels, the trucking company can be at risk of being shut down. Now that I have defined all of these acronyms, let me get into the meat of this article. In recent weeks, hundreds of motor carriers have been shut down due to high scores resulting from maintenance issues, poor drug testing, driver fatigue, driving violations to [...]

Exclusive SMS Monitoring Service For Trucking Companies2018-04-26T00:18:32-05:00

How Much Will a Flood Cost You? Find Out…

New Interactive Tool Helps You Determine How Much Every Inch of Water In Your Home Will Cost You if You're Not Covered by Flood Insurance. It's spring time here in North Carolina. It's also the time of year when the weather brings unexpected disasters. Many storms begin to appear and flash flooding becomes a serious problem for many. The next 6 months are filled with the possibility of serious damage from flooding. As hurricane season approaches it gets worse. Hopefully, you know that damage from flood is NOT covered by homeowners insurance. That's right. If your home is flooded, the cost to replace your belongings and repair the damage is coming out of your pocket [...]

How Much Will a Flood Cost You? Find Out…2018-04-26T00:22:32-05:00

Smart Way to Save Money on Your Teen Driver’s Car Insurance

Every month, I have the pleasure of speaking to parents of teen drivers about their car insurance at our StreetSafe Teen Driving events. I give them the dirty truth that their insurance agents are afraid to share. Why? I don't know but at every event, I am asked why they weren't told some of the secrets I tell them. Insurance for teen drivers can be complicated and in fact, many insurance companies don't want to insure teen drivers. The truth is they present a huge liability due to the high cost of insurance claims inexperienced drivers cause. Some companies will cancel you if your teen causes an accident and others will charge outrageous rates for [...]

Smart Way to Save Money on Your Teen Driver’s Car Insurance2018-04-26T00:18:24-05:00

FAQ- Should I Place a Teen Driver on a Separate Car Insurance Policy?

We are your teen driver insurance protection specialists This is a common question I get when speaking to parents of teen drivers about their car insurance. Unfortunately, many parents are advised to do this either from a friend or an insurance agent that doesn’t know what they are talking about. They think if they place a teen driver on a separate car insurance policy, the rates for their other cars won’t go up. Yes, that part may be true, but the rate for the teen driver’s car goes way up sometimes as much a 3 times higher. This happens for 2 reasons. First, there won’t be a multi-car discount for the single [...]

FAQ- Should I Place a Teen Driver on a Separate Car Insurance Policy?2018-04-26T00:18:14-05:00

Why Don’t More Insurance Agents Tell Us The Whole Truth?

That was the big question Judge Tom Jarrell and I got from parents attending the StreetSafe teen driving program this past Saturday. And frankly, I couldn’t answer it. Every month when we speak to parents and explain the huge liability risk they now face with a teen driver, they are shocked to learn this but also very disappointed that they were never told the truths about insuring a teen driver. I understand insurance is not the favorite topic of most. People just assume they are protected and after talking with hundreds of parents over the years, I’ve found many have no idea about their exposure to a lawsuit, what liability limits they carry, if they [...]

Why Don’t More Insurance Agents Tell Us The Whole Truth?2018-04-26T00:18:04-05:00

Holiday Travel Safety Tips

Whether you're ready or not, the 2011 holiday season is fast approaching. Along with the holidays, winter weather will be here before you know it and many of us will be hitting the roads visiting friends and family. Now is the time to take extra precautions to assure safe driving this winter. Here are some holiday travel safety tips. Vehicle Maintenance- Check all of your fluids (anti-freeze, windshield washer, oil, power steering and brakes). Make sure you have good tread on your tires or consider mounting snow tires. Be prepared for an emergency by packing a kit containing a blanket, flash light, matches, flares, bag of sand for traction, windshield scraper and brush, toolkit, bottled [...]

Holiday Travel Safety Tips2018-04-26T00:17:49-05:00

18 Tips For Preparing Your Home For Winter

Now would be a good time to take care of some basic chores to assure your home is ready for those wintry blasts. Here are 18 tips for preparing your home for winter... 1.Tune up your furnace and humidifier- Call in a professional to make sure that your furnace is working up to par; with the high price of natural gas and electricity, it wouldn't take much of an efficiency loss to justify that maintenance visit. And don't forget about the humidifier, or you'll be snapping your honey with static electricity all winter long. 2. Turn off water to outside spigots– Now is a good time to turn off water to your outside spigots, then [...]

18 Tips For Preparing Your Home For Winter2018-04-25T18:53:46-05:00
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