Auto Insurance

The Effect Your Insurance Score May Have on Your N.C. Insurance Premium

The Effect Your Insurance Score May Have on Your N.C. Insurance Premium North Carolina requires vehicle owners to carry at least the state-mandated minimum limits of liability auto insurance. However, finding affordable coverage might be more challenging than expected due to your insurance score. Before shopping for the best N.C. auto insurance rate, it’s important to understand how your insurance score can affect your premium. What Is an Insurance Score vs. a Credit Score? Many people confuse these two terms, but they have distinct meanings. Both can impact your N.C. insurance premium rates, but an insurance score predicts the likelihood of future claims or accidents, assigning a risk factor to you. In contrast, a credit score reflects [...]

The Effect Your Insurance Score May Have on Your N.C. Insurance Premium2024-09-12T12:12:13-05:00

Loaning Your Car- A Good Idea?

Loaning Your Car- A Good Idea?  Loaning your car - a good idea? It seems harmless enough to hand your keys over to someone who asks to use your car until an auto accident occurs. That's when the confusion sets in, and you may reconsider whether that was a good idea after all. If you aren't clear on the coverage issues that may arise when someone else drives your car, you may want to read on. Assume for a moment that a friend or neighbor asks to use your car for the day to pick up children from school and run a few errands. If that person causes an auto accident you may not realize [...]

Loaning Your Car- A Good Idea?2024-08-01T13:40:13-05:00

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

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

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

Trucking Insurance and Common Mistakes

If you are currently in the trucking business or looking to do a startup business in the future, you need to invest in the right type of insurance protection.  Protection for your livelihood is key if you want to be successful in your business so it is essential to find the best insurance for a value you can afford.  Imagine starting a new trucking business and beginning the search for insurance only to find the one that sounded too good to be true was a “cookie cutter” insurance policy that provided many holes in the coverage you needed.  Before you sign on the dotted line, beware and try to know trucking insurance and common mistakes [...]

Trucking Insurance and Common Mistakes2021-04-22T15:58:21-05:00

Auto Scams Involving Collision, Towing and Repairs

When you take your car to a repair shop, many people just assume that the repair operators/owners are looking out for your best interest; but what you may not know or want to hear, is many of them are out for their OWN interest!  Unfortunately, this sort of dishonesty is becoming more prevalent which is only adding to the U.S. insurance fraud issue.  Scam alert…there are many types of auto scams involving collision, towing, and repairs, so beware and watch out. Common Auto Scams Involving Collision, Towing, and Repairs to Avoid If you need repairs to your vehicle, need a tow truck, or have been involved in a car accident, you need to look out [...]

Auto Scams Involving Collision, Towing and Repairs2021-04-12T17:02:55-05:00

Is Your Business Auto Covered Under Your Personal Auto Policy?

This past year has looked different than most years in many ways.  Due to the Pandemic, more people have been working from home and many people have decided to explore being their own bosses.  Running your own business has its perks, but many things need to be considered before this happens.  For example, depending upon the type of business you are running, have you considered what that means for whether your business auto is covered under your personal auto policy?  As your life changes, so might your N.C. auto insurance needs. Consider the Usage of Your Business Auto As a new business owner, you need to consider any type of changes pertaining to the usage [...]

Is Your Business Auto Covered Under Your Personal Auto Policy?2021-03-22T16:39:21-05:00

Pothole Damages

If you drive your car with any regularity, you have encountered potholes on the road, especially during the winter months where snow, ice and wet weather are prevalent.  Potholes are caused by the streets freezing, thawing, and eventually cracking, which allows water to seep under the crack.  Hitting one of these potholes can be very damaging to your vehicle and you may find yourself at an auto repair shop to repair the damages. While you can’t prevent potholes in the road, you can find ways to avoid pothole damages to your car Common Types of Damages Caused by Potholes Following a snowstorm that covered the roads, you get into your car to drive to the [...]

Pothole Damages2021-03-11T08:32:09-05:00
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