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Auto Insurance

Am I Covered If…

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 [...]

Am I Covered If…2018-04-26T00:30:15-05:00

Should I Buy Rental Car Insurance

You’ve probably been at the rental-car counter, wondering “should I buy rental car insurance?” And thoughts race through your mind. “Is this a rip-off? Doesn’t my own auto insurance policy cover me? Does my credit card cover rental cars? Why didn’t I look into this before I left on my trip?” At Paramount Insurance, we are here to help. And while every situation may be different, here are some general tips that will help you make an educated decision the next time you rent a car. 1. Know your personal auto policy. Because auto insurance policies vary, it’s a good idea to give us a call before you rent a car. In most instances, if [...]

Should I Buy Rental Car Insurance2018-04-26T00:29:49-05:00

Is It Time For an Insurance Protection Review?

Summer is here and if you haven't already been on vacation, you may be planning one soon. Here's another date you ought to consider getting on your calendar. How long has it been since you have an insurance protection review from your insurance agent? What has changed in your life since then? Do you have teens who are driving? Have you remodeled your home? Did you add a pool to your property? Or did you buy any new 'toys' such as firearms, jet skis, etc.? Any of these events and many more could mean you need to review your insurance coverage so that you understand your protection fully. That's why we recommend that our clients [...]

Is It Time For an Insurance Protection Review?2018-04-25T19:34:04-05:00

Got a Teen Driver? You Need a Personal Liability Umbrella.

Most consumers understand the reasons to carry liability and collision insurance on their vehicles. Auto liability coverage is required by North Carolina state law and collision is a financial requirement to either qualify for a loan on a vehicle or to protect yourself from the loss of the vehicle in an accident. But fewer understand the need for a personal liability umbrella policy and how that need escalates when you have a teen driver in your household. While your teen may be the exception, due to inexperience and immaturity teen drivers are involved in more accidents and those accidents are more costly than any other category of drivers. Teen Drivers Are Five Times More Likely [...]

Got a Teen Driver? You Need a Personal Liability Umbrella.2018-04-26T00:25:17-05:00

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

What to do in the event of an accident

So you've had an accident; whether it's your car, motorcycle or even your RV, the process is the same. Here are a few answers to the most frequently asked questions on these types of claims. How Do I Get my Claim Handled Fairly and Fast? Always call us first! Remember, as your independent insurance agent, we work for you not the insurance company so we'll help you through the entire process on your behalf. What Information Will You Need To Get Your Auto Insurance Claim Started? To get your claim moving in the right direction, you'll need to give us as many details as you can. A lot of these details are basic: What happened? [...]

What to do in the event of an accident2018-04-26T00:21:35-05:00

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

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
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