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Auto Insurance

What an Insurance Score Means and How It May Affect You

Owning and operating a vehicle means you must carry liability auto insurance on that vehicle, as mandated by the state of North Carolina. However, when you are looking for an affordable insurance premium, you may be surprised to find your insurance quote is higher than expected, only to find out the reason is due to your insurance score. Find out what an insurance score means and how it may affect your insurance rate.  Insurance Score  An Insurance Score is a score designed to predict the likelihood of future accidents or claims filed based upon your credit report. You may hear the terms “insurance” score and “credit” score used similarly since they both impact your insurance [...]

What an Insurance Score Means and How It May Affect You2019-05-28T22:56:07-05:00

What Happens When Your N.C. Car Insurance is Canceled for Non-Payment?

The state of North Carolina mandates all owners/operators of vehicles to have auto liability insurance, but what happens when your N.C. car insurance is canceled for non-payment? Not having car insurance, regardless of the reason, can be detrimental in many ways so finding out what you can do if your policy is canceled is monumental.      What a Canceled Policy Means If you receive notice that your insurance carrier is canceling your auto policy that means your policy is completely terminated at the stated date. When you initially sign on the dotted line for auto insurance, you are in a “binding” period for the first 2 months and your carrier can terminate your car insurance [...]

What Happens When Your N.C. Car Insurance is Canceled for Non-Payment?2019-05-28T23:02:29-05:00

2019 IIHS Safest Cars

When it comes to finding the right car for your needs, you may consider a wide variety of options that are important, but is safety on your list? Each year the IIHS (Insurance Institute for Highway Safety) releases the names of those vehicles that received top honors regarding their safety so if you are currently in the market for a new car, you should become familiar with the honoree list of 2019 IIHS safest cars. And the Top Honors Go to: The top ranking for the safest autos falls into the category of IIHS Top Safety Pick+, with 30 vehicles making that top honor and 27 vehicles falling into the IIHS Top Safety Pick. Last [...]

2019 IIHS Safest Cars2019-05-28T23:05:44-05:00

How You Can Protect Yourself from Uninsured Motorist/Underinsured Motorist Drivers

North Carolina requires that every owner/operator of a vehicle have auto insurance; however, that doesn’t always guarantee the protection that you think you have. First of all, just because the state mandates auto liability insurance doesn’t mean that every person on the road has insurance and second of all, having the minimum insurance requirements may not be enough protection when you need it the most. Find out how you can protect yourself from Uninsured motorist/Underinsured motorist drivers. N.C. Minimum Limits of Liability   The North Carolina minimum limits of liability auto insurance are 30/60/25 which can be explained quite easily. The 30 represents $30,000 of Bodily Injury Coverage available for 1 person suffering injury, while 60 [...]

How You Can Protect Yourself from Uninsured Motorist/Underinsured Motorist Drivers2019-04-08T22:31:22-05:00

What It Means When Your N.C. Auto Liability Insurance is Ceded

In North Carolina, you are required by law to carry auto liability insurance on any vehicle that you own/operate, but what if your driving record is tarnished with a history of several accidents? While nobody can be turned down for auto insurance coverage, (exceptions apply) your insurance carrier CAN decide to turn your policy over to the North Carolina Reinsurance Facility (NCRF). If you fail to pay your insurance premium or no longer have a valid drivers license, you can be turned away for coverage. If you receive notification, you will need to know what it means when your N.C. auto liability insurance is ceded. How Does NCRF Operate? Developed in 1973, the North Carolina [...]

What It Means When Your N.C. Auto Liability Insurance is Ceded2019-05-28T23:10:23-05:00

Defining a Consent to Rate Letter

You may have received a letter from your insurance company if you are a North Carolina Homeowners Insurance policyholder and if you did, do you know what it means? Many homeowners are receiving this letter and you need to understand why you received it and what it means to you, as a N.C. homeowner. Keep in mind that this letter is a consent to rate letter and is hugely foretelling of what’s to come. Have you received a consent to rate letter? Hold On Before You Sign on the Dotted Line   Consent to rate letters are being sent out by insurance companies in large numbers to N.C. policyholders, but before you sign on the [...]

Defining a Consent to Rate Letter2018-11-26T09:36:07-05:00

Staying Safe for the Holidays

The holiday season is upon us once again and that typically means people are busier and traveling more. In fact, holidays are amongst the busiest travel times of the year because of either visits with friends and family or indulging in that much anticipated vacation. With an increase in the hustle and bustle of the holiday season, it is important to be aware of staying safe for the holidays. Some Key Safety Measures to Follow During the Holiday Season   Map your travel route and plan appropriately- Before you hit the road, make sure you have the directions available and anticipate the possibility of heavy traffic. Remember, many people are traveling during the holidays and [...]

Staying Safe for the Holidays2018-11-26T09:19:42-05:00

The Importance of Proper Home and Auto Insurance Protection

You may hear a lot about homeowners and auto insurance, but most likely the main focus is on rates with little to no mention of the protection you are getting.  First of all, let me take a moment to THANK YOU for your business and trust in my team for allowing us to protect what is most important to you.  I would like to share with you the importance of proper home and auto insurance protection because without it, you could be exposed to many horrific situations that I have personally witnessed too many times. Being in the business for over 24 years, I have seen many people lose personal property, priceless photographs, and family [...]

The Importance of Proper Home and Auto Insurance Protection2018-11-13T10:25:26-05:00

Safety Tips to Avoid a Deer Collision

The season is upon us once again; deer season that is. Summer has come to a close and the days have become shorter and darker, which means deer come out more frequently, resulting in a spike in auto accidents. You may have noticed signs along the roadways indicating deer may be crossing, but do you know what to do if you encounter a deer along the roadway? Knowing safety tips to avoid a deer collision can reduce the likelihood of being involved in an auto accident with a deer. This Scenario Happens Frequently The sun is setting as you drive home from work along a heavily wooded highway and as you come around a curve, [...]

Safety Tips to Avoid a Deer Collision2018-10-22T17:33:24-05:00

Some Common Car Insurance Endorsements

You may think that if you are in a car accident and your car is damaged or totaled that your car insurance will pay the claim, right? Well, yes, car insurance can provide coverage for covered losses to your car, but some stipulations/exclusions may apply which could impede payment for the damage to your car. Purchasing a one-size fits all car insurance policy may not fit your particular needs, so you need to consider some common car insurance endorsements and how they may fit your budget and suit your needs. Car Insurance Endorsements  An endorsement is basically an “add-on” to your existing car insurance policy that amends your policy to either add or take away [...]

Some Common Car Insurance Endorsements2018-08-11T06:55:29-05:00