The Importance of Regularly Replacing Your Windshield Wipers

Your windshield wipers help remove rain and debris from your windshield while driving. This helps to ensure you can see as you are on the road. Here at JC Demo Insurance Group, serving the greater Matthews, NC area, we know that many drivers know what their windshield wipers are used for but do not often realize why replacing them regularly is so important. Here are a couple of those reasons. 

It helps Increase Your Visibility.

The number one reason why it is so vital that you regularly replace your windshield wipers is that doing so helps to increase your visibility. It helps to ensure that you cannot see due to smudges or smears that can occur when your windshield wipers are worn or damaged. 

It helps Prevent Windshield Damage

The other reason why it is so crucial that you regularly replace your windshield wipers is that worn wipers can damage your windshield, leaving behind scratches. These scratches can be permanent, and the only way to remove them may be to replace your windshield. Your windshield is much more expensive than simply replacing your windshield wipers. 

Having windshield wipers in good condition helps to ensure that moisture and debris can be removed from your windshield while driving, helping to decrease the chances of an accident occurring because you cannot see. While replacing your wipers can help to decrease your chances of an accident for these reasons, it can not prevent an auto accident altogether. This is why having auto insurance that fully covers and protects you is so important. The JC Demo Insurance Group team, serving the greater Matthews, NC area, can help you find the right insurance policy. Call us today to get started. 

What comes with a typical auto insurance plan in North Carolina?

Owning a car in the Matthews, NC area continues to be a good idea. When you are a vehicle owner in this part of the state, you will find it makes it much easier to get around the community. As you are looking for a car, you should also consider your insurance needs. A standard auto insurance plan in this state offers various forms of coverage. 

Protection for Your Car

One of the ways that your auto insurance plan here can protect you is by giving support and protection for your car. If you are a car owner, being able to replace or repair it following an accident or other situation is always a good idea. If you have a full auto insurance plan with comprehensive support, you will have the coverage to protect your car. 

Liability Coverage

Your auto insurance plan will also give valuable liability protection. There is always a risk that you could cause an accident that results in damage. In these situations, your auto liability insurance plan will give you the necessary coverage to offset these damages. Not only is this a helpful form of coverage, but you will be required to carry liability insurance if you want to drive a car on the road throughout the state. 

There are plenty of great reasons to get an auto policy in the Matthews, NC area. When you are ready to start shopping for a plan, you should begin your search by calling the JC Demo Insurance Group. There will always be plenty of choices and options to consider when looking for auto coverage, and the JC Demo Insurance Group can simplify the process for you. This will give you comfort that you are selecting an ideal plan for your situation. 

Coverage Types Available Under Auto Insurance

Auto insurance is one of the most important purchases you will make as a car owner. It protects you financially if your vehicle is involved in an accident, theft, or other damages. There are many different coverage types available under auto insurance, and it can be challenging to know which one is right for you. JC Demo Insurance Group in Matthews, NC can help you choose the right coverage for your needs. Here are some of the coverage types available under auto insurance.

1. Liability Coverage

This is the most basic type of coverage required by law in most states. Liability coverage pays for damages to other people or property if you are at fault in an accident. It does not cover any damage to your vehicle. Having enough liability coverage to protect your assets if you get sued is essential.

2. Collision Coverage

Another important type of car insurance is collision coverage. This covers damage to your vehicle if you are involved in a collision with another car or object. If you have an older car, you may not need this type of coverage since it will not be worth much money. However, if you have a newer car, it is essential to have this coverage in case of an accident. JC Demo Insurance Group offers collision coverage in Matthews, NC.

3. Comprehensive Coverage

Comprehensive coverage protects you from damages caused by accidents, such as theft, weather damage, or vandalism. It is optional in most states, but like collision coverage, it may be required if you have a loan or lease on your vehicle. This coverage is essential if you live in an area with a high crime rate or severe weather conditions.

Conclusion

There are many different coverage types available under auto insurance. The right coverage for you will depend on your needs and the laws in your state. JC Demo Insurance Group in Matthews, NC can help you choose the right coverage for your needs. Give us a call today to get started.

Documents you should always carry in your vehicle

Driving is a privilege, not a right, and you need to follow the laws in your state, in this case, North Carolina, when you get into a vehicle to drive. At JC Demo Insurance Group in Matthews, NC, we have been helping residents find the right insurance products for over 20 years. As independent insurance agents, we work for our customers, not for the big insurance companies, and we strive to personalize your insurance experience. 

Driver’s license

You must have a driver’s license to drive in North Carolina. You should always have one on your person, which will place it in the vehicle when you are in the vehicle. If a police officer asks to see your license, ensure it is where you can quickly produce it if necessary. 

Registration

Your vehicle needs to be registered with the state to be on the road. You must also pay for your personal property vehicle tax, which you can do simultaneously to register your car. If you don’t register your vehicle, you will be breaking the law, and you will have to pay more for both the tax and the registration if you pay it late. If you are caught without registration, you could face a fine. You must also ensure your vehicle has a safety and emission test before registration. 

Insurance card

Your vehicle must have basic auto insurance to drive in North Carolina. When you get your policy renewal, it comes with insurance cards that must be kept in your vehicle at all times. If you lose one, you can usually print them out on the insurance company’s website. 

If you have all three documents in your vehicle, you are good to go. 

In Matthews, NC, contact JC Demo Insurance Group for all your auto insurance needs. 

Does your auto policy provide coverage while your car is in the shop?

Matthews, NC area residents turn to the team at JC Demo Insurance Group for their auto insurance needs. If you aren’t sure if your current policy meets your needs, or if you’re planning to buy a new car, give us a call today! We can help you ensure you’ve got the right policies for your situation.

Protect your car wherever it is

We all need our cars to get through our daily lives. And, when our vehicles are in the shop, it can be a stressful experience trying to get by without transportation. If your car is being repaired, you will still need to protect it from damage and theft. Ensure that your auto insurance provides protection wherever your vehicle may be.

  • Even when your car is in the shop, it can still be damaged. It is not unheard of for cars to be stolen from repair shops. It is also possible for your vehicle to be damaged even while being repaired.
  • In addition to providing protection to your vehicle, some auto policies will also offer reimbursement for rental cars. If your car is being repaired or replaced due to a covered event, take a look at your policy to see if it includes reimbursement for rental car expenses.
  • Don’t let vehicle damage disrupt your life any more than it needs to. Get the protection you need today.

We are here to help!

JC Demo Insurance Group is here for the greater Matthews, NC community. If you have any insurance-related questions or concerns, we are here to help! Give us a call or stop by our office today to learn more about the auto policy options available in our area.

Auto insurance policy features available in NC

When it comes to auto insurance, residents in the greater Matthews, NC area can count on the team at JC Demo Insurance Group. There are so many great features now available when it comes to auto policies, it may be time for an upgrade!

Popular auto insurance features

When it comes to auto insurance, there have been a lot of changes recently! In addition to the protection that you can get for collision and liability, there are also a number of great features that are available to drivers in North Carolina.

For example, there is no need to have a third-party roadside assistance service when you can have that service included in your policy. There are also benefits available, like bundling and safe driver discounts. Some insurance providers even offer decreasing premiums. This means that as you extend your safe driving record, your premiums can decrease over time. 

It only makes sense to review the many features that are now available to see which are appealing to you. Safe drivers can really reap some great rewards when they choose a policy that rewards them for a clean driving record. Who wouldn’t want to see their auto insurance premium decrease all the way to zero?

When you work with a local agent who understands your needs, you will be more likely to find a policy that is a great fit for your needs. Choosing your auto policy over the computer is not always the best way to go.

Find out more today!

Matthews, NC area drivers may be surprised by all of the features that are now available with auto policies. If you would like to learn more, give the team at JC Demo Insurance Group a call today. We look forward to working with you!

Types of Car Insurance

Whether you have just bought your first vehicle or you are shopping around for new insurance for your current vehicle, the truth is that no coverage is exactly the same. There are many types of car insurance to choose from. You can pick and choose the right plan to fit your budget. 

So, what are the types of insurance that you may want to consider? 

Most basic plans just include liability insurance. This will protect you if you injure someone in a car accident. It will pay their medical bills. It will also cover property damage if you do damage to someone’s fence or garage. 

If you are worried about your car (and you don’t want to have to buy another one out of pocket), you may want to consider collision insurance. This will cover the damage to your car if you are in an accident. If it is totaled, the insurance company will give you fair value so that you can buy a new one. 

If you want to be fully protected, you may want to get uninsured or underinsured insurance. This will pay for any damage that the other person’s insurance won’t cover. It will start covering after they won’t pay anymore. 

You may also want to consider getting comprehensive insurance that pays for damages that may happen when you aren’t behind the wheel. This may include fire damage, along with storm damage. It also covers theft and vandalism. 

If you want to make sure that you have the right coverage for yourself, you should contact a professional. Here at JC Demo Insurance Group in Matthews, NC, we would be glad to talk to you about your options. 

Who Needs Auto Insurance in Mathews, NC

Owning a car comes with a great sense of freedom but also requires you to show financial responsibility. And speaking of financial obligations, car insurance is an investment that you have to think about during your vehicle ownership journey. Why? Car insurance can come to your rescue when you least expect it.

But who needs car insurance in Matthews, NC?  JC Demo Insurance Group shares persons that need auto insurance.

Those that want to comply with the law

Like most states, North Carolina requires motorists to show proof of insurance ownership when driving on public roads. If you are about to own a car in North Carolina, the law requires you to buy auto insurance with the below minimums:

  • Bodily injury liability of $30,000 per person and twice the amount if you cause an accident affecting several persons.
  • Property damage liability (PDL) with a minimum of $25,000

Failure to carry the required auto insurance may result in non-compliance fines and penalties. Besides, you may be required to foot all the bills for the accidents you are at fault for.

Those that don’t want financial losses

Besides compliance, if you want to safeguard your financial security, you must invest in car insurance. Think of the financial implication if you cause an accident, and you don’t have insurance?

Firstly, you have to cater to medical expenses for injuries you cause. Secondly, you are responsible for property damage you cause to third parties. Thirdly, you have to finance the repair of damages to your car. And finally, if you are sued, the financial burden would be too much to bear.

Buy auto insurance in Matthews NC

Ready to get started with auto insurance? Would you please look no further than JC Demo Insurance Group? After listening to your needs, we will tailor-make a car insurance policy that caters to your unique needs.

Required Auto Insurance in North Carolina

When you have a vehicle in North Carolina, it is required to have the coverage mandated by state law. It’s also the law that you must have proof of your insurance when asked for it. To get the auto insurance that you need, give us a call at JC Demo Insurance Group in Matthews, NC.

Bodily Injury Liability

This coverage will cover accidents that are your fault when someone else is injured by the accident. The state requires you to have at least the required minimum amount for one person who gets injured in an accident. There is another number that is required for two or more people who become injured in the accident. 

Property Damage Liability

There is a set minimum amount of this coverage required for all motorists. This coverage pays for the damage done to someone else’s property in an accident that you are at fault for. 

Uninsured/Underinsured Motorist Coverage

This is another required type of coverage that is helpful when someone who causes an accident doesn’t have enough insurance to pay for your injuries and property damage, or they simply have no insurance at all. This coverage also covers the injuries and damage caused by a hit-and-run driver.  The amount of this that you get is generally tied to the limit of your bodily injury liability protection. 

Other Coverage

When you get all of these coverage types, there is no coverage for damage done to your vehicle if you were the cause of an accident. There is also no coverage for other incidents that can happen to your vehicle when it’s off the road. Many people add collision coverage and comprehensive coverage to cover these situations. 

Get Your Auto Coverage

If you don’t have the required insurance types for North Carolina, you aren’t driving legally, and you face fines and fees. To get your vehicle covered, call us at JC Demo Insurance Group in Matthews, NC.

Does my auto insurance cover me if I rent a car

It’s summer and thoughts are turning to vacation. If you are flying to your destination, you may be renting a car when you get to your chosen spot. Online reservations are the most common these days and as soon as you choose the dates, the location, and the type of vehicle you want you will be confronted with a variety of insurance options. To know what you need can be confusing. Having an independent insurance agent who knows you and whom you trust can help. In Matthews, NC, you can count on JC Demo Insurance Group to have your back. 

When determining the amount of coverage you might have for a rental car, it depends a great deal on exactly what your auto coverage on your primary vehicle looks like. If you have basic coverage only, that is what you will have on the rental. If you get into an accident, you will have liability protection but nothing else. That is not going to be acceptable to the rental car company. You need to protect their vehicle which chances are is new and expensive. 

If you don’t have collision and comprehensive on your own vehicle you need to get that coverage either through the rental company or through your credit card if you happen to have that type of coverage with your card. Check with your insurance agent about the amount of coverage you have, and it is a wise idea to call your credit card company to verify what coverage they offer.

If you want peace of mind, you should probably just get the LDW (loss damage waiver)  the rental car company offers but if your liability coverage is adequate on your policy don’t add any additional liability they may offer.  

At JC Demo Insurance Group in Matthews, NC, our experienced team will be here to guide you through all your insurance questions and needs including rental cars.