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How Auto Accident Damages Are Estimated

You never like to think of being involved in an auto accident but to be realistic, you, at some point, WILL be involved in an auto accident and your car will most likely withstand damages. When an auto accident occurs, you may jump out of your car to inspect the damages and immediately wonder just how much these damages will cost. Being aware of how your auto accident damages are estimated will prove to be helpful when and if an auto accident does happen. Below Are Some Tips to Follow After You Are Involved in an Auto Accident: Notify your N.C. independent insurance agent to determine if a claim should be filed.  Once/if a claim [...]

How Auto Accident Damages Are Estimated2017-10-11T20:56:09-05:00

How to Prepare for a Premium Audit

When you took out your N.C. business insurance policy, your premium was figured by the information provided by you to your agent at the time of policy inception. A premium audit is designed to ensure your figured premium is still accurate at the end of your policy year. Although premium audits are a standard practice in the insurance industry, it is important to know how to prepare for a premium audit. How Does an Audit Work? Since your premium amount was declared before any business operations took place, the auditor must continuously review your premium at the end of your policy period to confirm the premium is an accurate reflection of what your business activity, [...]

How to Prepare for a Premium Audit2017-10-11T20:51:02-05:00

Are Your N.C. Auto Liability Insurance Limits Right for You?

The state mandates that if you own a vehicle, you must have insurance to protect that vehicle. Your N.C. auto insurance policy is designed to provide protection against the many risks that surround owning and operating a vehicle. Keep in mind that each and every time you get behind the wheel, you run the risk of causing an accident. Are YOUR N.C. auto liability insurance limits right for you? The Purpose of Auto Liability Insurance Imagine you are on your way to work, consumed with the many daily tasks you have in front of you, when you fail to see the red light and cause an accident, which injures several people and causes significant damage [...]

Are Your N.C. Auto Liability Insurance Limits Right for You?2017-10-11T20:31:47-05:00

What to Do After a Business Insurance Loss

A few minutes is all it takes for wind, fire or water to cause significant damage to your business property, but if you are equipped to handle the aftermath, your business can be up and running again in no time. Working hard to establish your business is a priority and so should the insurance that protects that business. Having the right type of N.C business insurance BEFORE an insurance loss happens is fundamental, but knowing what to do AFTER a business insurance loss is just as important. Some Basic Tips to Follow After a Business Insurance Loss  Suppose your N.C. business suffers major damages as a result of a fire due to an electrical malfunction [...]

What to Do After a Business Insurance Loss2017-10-11T20:30:52-05:00

What You Should Know About Your Homeowners Insurance Limits

Buying a house may be the biggest investment you will ever make. Once you move in, the house isn’t just a house anymore; it’s a HOME! Protecting your home and its contents is crucial because large losses can cause financial wreckage. Insurance protection is a broad topic and can be confusing, leaving you wondering just how much insurance protection is necessary. Find out what you should know about your homeowners insurance limits and how it applies to your home and it’s contents. What is a Policy Limit? The amount of coverage you have acquired under your standard N.C. homeowners policy is referred to as policy limit or limit of coverage. This is the maximum amount [...]

What You Should Know About Your Homeowners Insurance Limits2018-04-26T00:43:31-05:00

Insurance Coverage for College Students

You can hit the snooze button for some of your classes, but not this one! Before you go off to college, there are some interesting things you need to know regarding insurance coverage for college students. This is one class you won’t want to miss. Thinking about your parent’s homeowners insurance policy is not on the forefront of your mind right now as you prepare for college; however there are things you need to know. The good news is that if you meet the following criteria, you are covered under your parent’s N.C. homeowners policy: Under the age of 24 Enrolled in school full-time Resident of the household before moving to college Your parent’s policy [...]

Insurance Coverage for College Students2018-04-26T00:42:49-05:00

7 Safety Tips to Help You Avoid a Deer Collision

It is that time of year again! Between the months of October and December, deer are more active; thus increasing the chances you may be involved in a car collision involving a deer. According to the National Highway Traffic Safety Administration there are 1.5 million auto accidents involving deer each year in the United States. The result is approximately 150 human deaths, over 10,000 injuries to people, and about $1 billion worth of auto damages. Below are 7 safety tips to help you avoid a deer collision. 1.  Watch for Deer Crossing Signs Typically there are deer crossing signs visible in areas that deer frequent; however, just because there are no signs, doesn’t mean there [...]

7 Safety Tips to Help You Avoid a Deer Collision2018-04-26T00:40:32-05:00

What Type of N.C. Restaurant Insurance is Best for Your Restaurant?

As a restaurant owner, you understand that running your business can be many things including fun, exciting, and demanding, just to name a few. Protecting your restaurant with the RIGHT N.C. restaurant insurance can be complex and confusing with so many available options. So, how do you know what type of N.C. restaurant insurance is best for your restaurant? First of all, as the restaurant owner, you know that one size does not fit all. Each restaurant is different so what may work for yours may not work for the one across the street. However, what all North Carolina restaurant owners DO need for their insurance protection is: Building Protection Business Personal Property General Liability [...]

What Type of N.C. Restaurant Insurance is Best for Your Restaurant?2018-04-26T00:40:21-05:00

This 4th of July-Drive Sober or Get Pulled Over!

When you think of The Fourth of July, you may think of hotdogs, fireworks, and family celebrations; however, too often the fireworks are not the celebratory kind.  They are the kind that blow up as a result of drinking and driving.  This holiday is right around the corner, so make sure while you are celebrating our country with family and friends on this 4th of July, that you drive sober or get pulled over! Facts for the Fourth Some of the statistics surrounding one of America’s favorite holidays is astounding!  Being aware of these facts may make you seriously think before you get behind the wheel of a car after consuming alcohol. Below is a [...]

This 4th of July-Drive Sober or Get Pulled Over!2018-04-26T00:36:46-05:00

5 Ways to Save Money on Your Home and Car Insurance

Saving money is something we ALL want to do and we are always looking for ways to do it. Paying insurance premiums for your 2 biggest investments can seem costly when the premium bill comes in, but did you know there are 5 ways to save money on your home and car insurance? (1) Raise Your Deductible  A deductible is the amount of money you choose on your policy to pay before the insurance company pays anything for a claim. The higher your deductible is, the lower your insurance rates will be for both your home and auto insurance policy. The best way to determine how much to raise your deductible is to ask yourself how [...]

5 Ways to Save Money on Your Home and Car Insurance2018-04-26T00:36:30-05:00
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