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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

Potential Problems with Homeowners Insurance

North Carolina's most common homeowners insurance policy is the HO-3 Standard Form. Most insurance companies will add many endorsements to this policy usually to enhance the coverages but some endorsements may limit or exclude coverage as well. In this article, I'll share with some of the most common potential problems with homeowners insurance. Be sure to read your policy to see if you could be left without protection for your own individual needs or give us a call. Business Related- If you conduct any business in your home or keep any business property in your home- Let your agent know! There are some changes you can make to avoid serious problems. A homeowners insurance policy [...]

Potential Problems with Homeowners Insurance2018-04-26T00:22:32-05:00

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

Potentially Costly Gaps in Homeowner Insurance for Unmarried Couples Living Together

According to US census data collected over the 50 years between 1950 and 2000, the number of unmarried couples living together has increased from 20% to 50% of households. Based on this trend, that number is expected to increase even higher when the 2010 census data is released. If you are in a living together and unmarried relationship, there are some potentially costly gaps in both your homeowners insurance and auto insurance policies. In this article, we'll focus on home insurance and in our next blog post, we'll cover the gaps in your auto insurance policy. Gaps in Personal Liability Insurance Most homeowners insurance policies in North Carolina provide liability insurance protection for the named [...]

Potentially Costly Gaps in Homeowner Insurance for Unmarried Couples Living Together2018-04-26T00:19:30-05:00

Exclusive SMS Monitoring Service For Trucking Companies

Trucking companies are now facing harsh regulatory action from the federal government. The FMCSA (Federal Motor Carrier Safety Administration) enacted the CSA program (Compliance, Safety and Accountability) to monitor 5 primary behavior analysis and safety improvement categories (BASICs). Each of these categories are scored with a SMS (Safety Measurement System) score. When any of these scores reach high levels, the trucking company can be at risk of being shut down. Now that I have defined all of these acronyms, let me get into the meat of this article. In recent weeks, hundreds of motor carriers have been shut down due to high scores resulting from maintenance issues, poor drug testing, driver fatigue, driving violations to [...]

Exclusive SMS Monitoring Service For Trucking Companies2018-04-26T00:18:32-05:00

Smart Way to Save Money on Your Teen Driver’s Car Insurance

Every month, I have the pleasure of speaking to parents of teen drivers about their car insurance at our StreetSafe Teen Driving events. I give them the dirty truth that their insurance agents are afraid to share. Why? I don't know but at every event, I am asked why they weren't told some of the secrets I tell them. Insurance for teen drivers can be complicated and in fact, many insurance companies don't want to insure teen drivers. The truth is they present a huge liability due to the high cost of insurance claims inexperienced drivers cause. Some companies will cancel you if your teen causes an accident and others will charge outrageous rates for [...]

Smart Way to Save Money on Your Teen Driver’s Car Insurance2018-04-26T00:18:24-05:00

FAQ- Should I Place a Teen Driver on a Separate Car Insurance Policy?

We are your teen driver insurance protection specialists This is a common question I get when speaking to parents of teen drivers about their car insurance. Unfortunately, many parents are advised to do this either from a friend or an insurance agent that doesn’t know what they are talking about. They think if they place a teen driver on a separate car insurance policy, the rates for their other cars won’t go up. Yes, that part may be true, but the rate for the teen driver’s car goes way up sometimes as much a 3 times higher. This happens for 2 reasons. First, there won’t be a multi-car discount for the single [...]

FAQ- Should I Place a Teen Driver on a Separate Car Insurance Policy?2018-04-26T00:18:14-05:00

Why Don’t More Insurance Agents Tell Us The Whole Truth?

That was the big question Judge Tom Jarrell and I got from parents attending the StreetSafe teen driving program this past Saturday. And frankly, I couldn’t answer it. Every month when we speak to parents and explain the huge liability risk they now face with a teen driver, they are shocked to learn this but also very disappointed that they were never told the truths about insuring a teen driver. I understand insurance is not the favorite topic of most. People just assume they are protected and after talking with hundreds of parents over the years, I’ve found many have no idea about their exposure to a lawsuit, what liability limits they carry, if they [...]

Why Don’t More Insurance Agents Tell Us The Whole Truth?2018-04-26T00:18:04-05:00

Holiday Travel Safety Tips

Whether you're ready or not, the 2011 holiday season is fast approaching. Along with the holidays, winter weather will be here before you know it and many of us will be hitting the roads visiting friends and family. Now is the time to take extra precautions to assure safe driving this winter. Here are some holiday travel safety tips. Vehicle Maintenance- Check all of your fluids (anti-freeze, windshield washer, oil, power steering and brakes). Make sure you have good tread on your tires or consider mounting snow tires. Be prepared for an emergency by packing a kit containing a blanket, flash light, matches, flares, bag of sand for traction, windshield scraper and brush, toolkit, bottled [...]

Holiday Travel Safety Tips2018-04-26T00:17:49-05:00

18 Tips For Preparing Your Home For Winter

Now would be a good time to take care of some basic chores to assure your home is ready for those wintry blasts. Here are 18 tips for preparing your home for winter... 1.Tune up your furnace and humidifier- Call in a professional to make sure that your furnace is working up to par; with the high price of natural gas and electricity, it wouldn't take much of an efficiency loss to justify that maintenance visit. And don't forget about the humidifier, or you'll be snapping your honey with static electricity all winter long. 2. Turn off water to outside spigots– Now is a good time to turn off water to your outside spigots, then [...]

18 Tips For Preparing Your Home For Winter2018-04-25T18:53:46-05:00
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