Blogs

It’s that time of year again! No, I don’t mean holiday season; but ‘tis the time of year for more deer to be on the roads. Deer collisions with autos happen more than you may realize. In fact, the Insurance Information Institute (III) estimates that as many as 1.5 million auto collisions with deer happen each year; and in the state of North Carolina, the likelihood of it happening to you may increase since N.C. has a bursting deer population. If a deer comes into your path while driving, do you know how to avoid hitting a deer on the road? Sunrise, Sunset  The time between October and December, there is an increase in the [...]

If you own and operate a vehicle, North Carolina mandates that you carry auto liability insurance on that vehicle to protect you against injuries and damages that you may be held liable for, while operating your vehicle. However, did you know that as many as 1 in 8 drivers are driving without any auto liability insurance? As a result of the growing number of people driving without insurance, a once optional type of coverage referred to as Uninsured Motorist (UM) is now also mandated under your N.C. auto insurance policy, while Underinsured Motorist (UIM) is required if you have limits of liability that are higher than the stated minimum limits. But do you know why [...]

Your vacation is finally underway and you just spent hours on the beach when you jump into your rental car to head back to the hotel. Suddenly, out of nowhere, the car in front on you slams on brakes and you inevitably smash into the rear end of that car. Having a damaged rental car was not part of the vacation plan and now you are left wondering who’s responsible for the damages to the rental car. The next time you plan a vacation, there are things you should know about rental cars and insurance, so you will never have to wonder again. How Your Standard N.C. Auto Insurance Policy Impacts Damages to the Rental [...]

Every time you get into a vehicle, you run the risk of being involved in an auto accident, either by your own negligence or from another driver on the road. If you own a car, the N.C. law mandates that you have auto insurance to provide protection from a financial impact that may result due to an auto accident, but do you know how auto insurance rates are determined? Below Are Some of the Important Rating Factors That Impact Your Premium, but Not Limited to:  Driving Experience- Length of time you have been driving Driving Record- Record of any auto accident charges and/or tickets Claims History- Record of prior accidents and claim payouts Type of [...]