Auto Insurance

Each and every time you get into your vehicle, there is a chance you may be involved in an auto accident. Regardless of the cause of the accident, you may have a car that is totaled. If a vehicle’s cost of repair plus its salvage value exceeds the vehicle’s actual cash value (ACV), it is typically declared a total loss. Will you know what to do if your car is a total loss? How is ACV Calculated?  There are several things you need to know when determining whether your car is a total loss. First of all, you will need to establish the ACV (actual cash value) of the vehicle at the time of the [...]

It happens all the time! You and a friend jump in your car and your friend wants to drive your car or maybe you ask your friend to drive your car since you are tired. Never once thinking of an accident happening, you hand over the keys. Suddenly, out of nowhere, you hear POW and you realize your friend just wrecked your car! Now you are wondering whose insurance will pay. So, does N.C. auto insurance follow the car or the driver? Typically the auto insurance follows the car and NOT the driver of the car at the time the accident occurs. So, even though your friend wrecked your car, it still means your insurance [...]

You just purchased a car and now it is time to insure it. Sounds easy, right? Choosing the right kind of North Carolina auto insurance requires the same amount of homework you did when deciding what car to purchase. From the outside looking in, car insurance policies may all look the same and all the ads claim to have the lowest price, best customer service, etc. but do they really? The answer is NO, so let’s go over 5 mistakes drivers make when buying auto insurance. (1) Buying from an Employee of an Insurance Company Choosing the right type of North Carolina auto insurance is important especially if you are involved in an auto accident. [...]

In the state of North Carolina, you are legally required to purchase automobile liability insurance for any vehicle you are operating on the roads and highway. This liability insurance is required to pay for costs of injuries and damages for which you become legally responsible, but how do you know what limits you should carry on your NC auto insurance policy? What Are the North Carolina Minimum Insurance Liability Limits? North Carolina requires the minimum amount of liability coverage limits on an auto policy as follows: $30,000 for bodily injury liability per person, per accident $60,000 for all bodily injuries total per accident $25,000 for total property damage liability per accident So, when you are [...]

Insurance is very confusing. Policies are full of endorsements, exclusions and limits and most policy holders really don't know how they are covered until something bad happens. Understandably, we get a lot of "am I covered if.." questions. So, let me answer some of the most common questions we get. My neighbor’s tree falls on my fence? Your NC homeowners insurance will normally pay for damage to the fence and removal of the tree. However, if the tree or part of the tree was dead and you warned him that it was dead, your neighbor would become liable and their homeowners insurance should pay. My sewer line backed up into my house and damaged my [...]