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NC auto insurance

Helpful Tips to Avoid Uninsured/Underinsured Motorists

Helpful Tips to Avoid Uninsured/Underinsured Motorists Owning and operating a vehicle in North Carolina requires you to carry auto liability insurance, as mandated by the state. While this law sounds good in theory, the reality is different. Just because insurance is required doesn't mean every driver on the road is insured, or that those who are have adequate coverage. Here are some helpful tips to avoid the risks posed by uninsured and underinsured drivers. The Minimum Limits of Liability for North Carolina Drivers In North Carolina, the minimum required limits for auto insurance are 30/60/25. These limits are listed on the Declarations Page of your policy and indicate how much your insurance carrier is obligated to pay [...]

Helpful Tips to Avoid Uninsured/Underinsured Motorists2024-09-12T12:51:15-05:00

The Effect Your Insurance Score May Have on Your N.C. Insurance Premium

The Effect Your Insurance Score May Have on Your N.C. Insurance Premium North Carolina requires vehicle owners to carry at least the state-mandated minimum limits of liability auto insurance. However, finding affordable coverage might be more challenging than expected due to your insurance score. Before shopping for the best N.C. auto insurance rate, it’s important to understand how your insurance score can affect your premium. What Is an Insurance Score vs. a Credit Score? Many people confuse these two terms, but they have distinct meanings. Both can impact your N.C. insurance premium rates, but an insurance score predicts the likelihood of future claims or accidents, assigning a risk factor to you. In contrast, a credit score reflects [...]

The Effect Your Insurance Score May Have on Your N.C. Insurance Premium2024-09-12T12:12:13-05:00

Loaning Your Car- A Good Idea?

Loaning Your Car- A Good Idea?  Loaning your car - a good idea? It seems harmless enough to hand your keys over to someone who asks to use your car until an auto accident occurs. That's when the confusion sets in, and you may reconsider whether that was a good idea after all. If you aren't clear on the coverage issues that may arise when someone else drives your car, you may want to read on. Assume for a moment that a friend or neighbor asks to use your car for the day to pick up children from school and run a few errands. If that person causes an auto accident you may not realize [...]

Loaning Your Car- A Good Idea?2024-08-01T13:40:13-05:00

Unmarried Couples Living Together and How It May Affect Their Auto Insurance

Unmarried Couples Living Together and How It May Affect Their Auto Insurance  The number of unmarried couples living together continues to rise, potentially saving individuals money initially. However, what many don't realize is that these couples may face lawsuits or denied auto insurance coverage. Such risks could be financially overwhelming. Learn more about the impact of unmarried cohabitation on auto insurance. A standard N.C. auto insurance policy specifically states that insurance follows the car and not the driver.  For instance, if you permit your friend (who resides separately) to drive your car while her car is undergoing repairs and she causes an accident, the insurance on your car is deemed primary. Keep in mind two [...]

Unmarried Couples Living Together and How It May Affect Their Auto Insurance2024-05-28T07:22:00-05:00

Being Prepared to Handle a Total Loss 

Being Prepared to Handle a Total Loss  Regardless of how careful you are, accidents can still happen and when they do, stress abounds.  It is never convenient to incur auto damages, but what if your car is rendered a total loss?  With rising costs of auto repair/replacement parts, along with soaring labor fees, a total loss may not be as surprising as it once was.  Being prepared to handle a total loss situation won’t prevent accidents but can help reduce stress and help you get back on the road as soon as possible.  Imagine having a car that is only a year old when someone hits you in the rear.  You get out and inspect [...]

Being Prepared to Handle a Total Loss 2024-05-23T08:33:35-05:00

Saving Money As Your Car Ages

Saving Money As Your Car Ages  Just a few years ago you purchased a car that was brand new, but as the years have gone by and the mileage has increased, you may find your N.C. auto insurance policy may need to be adjusted.  When you drove out of the car lot, you most likely took out full auto coverage, either by choice or required, depending on whether there was a lien on the car.  This full auto protection was necessary then, but is it now or are you paying for some coverages you no longer need?  Saving money as your car ages is indeed possible if you are aware of some key tips.  N.C. [...]

Saving Money As Your Car Ages2024-05-22T12:27:43-05:00

Did You Know? The Importance of UM/UIM Coverage

Did you know that one out of seven drivers on the road are driving without insurance?  And to make things worse, two out of seven drivers are only carrying state minimum requirements for liability insurance.  Which means nearly half of all drivers on the road either have no insurance coverage or very little.  In this article I will share with you the importance of UM/UIM coverage also known as uninsured motorist and underinsured motorist coverage. 3 out of 7 drivers on the road today are putting you at risk! Your auto insurance policy provides various coverages including: Liability coverage-this protects you when you’re at fault in an automobile accident and injured someone else or caused [...]

Did You Know? The Importance of UM/UIM Coverage2018-04-26T00:31:09-05:00
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