Matthews NC

Latest Car Safety Features

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Cars have come a long way in terms of safety, which means the number of deadly accidents has decreased tremendously throughout the years. The latest safety features range from automatic braking to apps specially designed to keep your hands on the steering wheel. Although you still have to have insurance from a company like JC Demo Insurance Group, serving Matthews, NC, and the surrounding area, these technological advances keep you safe and will prevent your premium from rising from an accident. 

Electronic Stability Control

Electronic stability control helps correct issues like understeering and oversteering. Understeering happens when the car continues to move forward without turning as a result of the tires not having enough traction. On the other hand, stability control also helps with issues like oversteering when the car turns farther than a driver intended, ultimately resulting in the rear wheels sliding. Electronic stability control is ideal for new drivers. 

Apps for Driving 

While you’re encouraged not to use your phone while driving, there are apps that can assist you while you’re driving. Two apps, in particular, Android Auto and Apple CarPlay, allow people to easily access their entertainment, navigation, texting and calling features on their phones through voice commands while they drive. 

Adaptive Cruise Control

Adaptive cruise control utilizes sensors to scan the road ahead and automatically adjust the car’s speed if the car in front slows down. When the road becomes clear ahead, the car’s speed adjusts back to normal automatically.  

Blind Spot Monitor 

Blind spot monitors sense cars in your blind spot. An icon will light up if a car comes into your blind spot. If you try to change lanes or turn on your turn signal, the car warns you with an audible alert. 

Forward Collision Warning 

A forward collision warning uses radar, lasers, and cameras to detect vehicles in front of the vehicle and alerts the driver if they are going to fast. Vibrations or an audible warning get the driver’s attention back on the road. 

These safety features among others will keep you safe, but just in case an accident occurs, JC Demo Insurance Group, serving Matthews, NC and the surrounding area, can assist. Contact us today at 704-541-5155 to get a quote for auto insurance. 

 

 

Commercial Insurance for Trucks

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Whether you own one truck that delivers goods to the local area or you have a fleet that distributes supplies throughout the country, you’ll need to have those trucks protected with commercial insurance. Driving a delivery truck or semi-tractor trailer can introduce a variety of dangers to other vehicles on the road. If one of your drivers causes an accident, you should have the appropriate amount of insurance to cover the cost of medical bills, lawyer’s fees, vehicle repairs, and other costly incidentals.

Where Should You Start?

When shopping around for commercial truck insurance, start with independent insurance agents like JC Demo Insurance Group in Matthews, NC. Their professional agents can help provide you with a variety of carriers and insurance options. As experts, they can offer you advice based on your company’s needs, driving radius, and the number of trucks you own.

Types of Coverage

  • General Liability Insurance – protects you from liability claims that may include bodily injury and property damage as a result of an accident.
  • Physical Damage – gives you protection against damages that you may incur because of a collision, theft, or vandalism.
  • Cargo Coverage – protects the cargo you’re hauling that may be damaged or stolen.
  • Non-Trucking Liability – protects you when the driver is operating the truck for personal use.

How Much Coverage Do You Need?

According to the North Carolina Division of Motor Vehicles, businesses must have a specified amount of liability insurance for their trucks depending on their weight. If your commercial truck hauls non-hazardous materials and weights 10,000 or more pounds, then you must maintain a minimum liability of $750,000.

It is important to know what type of coverage you will need for your commercial vehicles. Contact the independent insurance agents in Matthews, NC at JC Demo Insurance Group today to receive information concerning commercial truck policies.

The history of Life Insurance

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JC Demo Insurance Group  serving Matthews, NC is proud of its lineage serving the community with Life Insurance. Life insurance is something everyone knows about, some even feel you have to die to win. But Life Insurance isn’t a modern idea.

The rudiments of insurance go back to ancient history. If one family’s house gets destroyed, the neighbors are commit rebuild it. When a woman was widowed with children, the unmarried men in her husband’s family were bound by honor to marry and protect her

The first methods of transferring  risk and compensation in a monetary fashion occurred in the 3rd millennia BC by Chinese and Babylonian. Ancient Persia annual gifts from the various ethnic groups were given to the Persian monarchs to ensure protection and physical safety.

In 600 BC, he Greeks and Romans introduced the roots of health and life insurance by creating guilds called "benevolent societies." These guild cared for the families of deceased members. In Genoa in the 14th century, there were insurance pools backed by pledges of landed estates. In the early 19th century, Insurance became more complex and started setting the tone for insurance as investment.

In Colonial America in 1732, the first insurance company began in Charles Town (modern-day Charleston), South Carolina in 1732. Benjamin Franklin counseled that the  standard the practice of insurance should be adopted. 

So, over the years, various kinds of property and life insurance have ebbed and flowed in the history of man, for the protection of the living. You don’t have to die to win. Now with some of the more modern versions of life insurance, there can even be an investment arm.

Come in and see the folks at JC Demo Insurance Group  serving Matthews, NC

How the Stages of Life Affect Life Insurance Needs

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Life insurance coverage needs to consider the stage of the life of a person. Insurance needs will be different when a person is younger, unmarried, and just starting out, when compared to an older person with a family, or an elderly adult when all their children have grown. There are many different kinds of life insurance that can be used for protection and to build long-term value. Ask your agent at JC Demo Insurance Group in Matthews, NC to explain the various options that include: 

  • Whole Life – This type of life insurance is an investment. Over time it builds cash-value.
  • Term Life – This type of life insurance protects those loved ones left behind when someone dies.
  • Universal Life – This is a kind of hybrid between whole life and term life. Ask your agent for the specifics.
  • Mortgage Term Life – This is a special kind of life insurance that pays off the mortgage on a home if the insured person dies.

It is important to  note that there are options for coverage that can combine life insurance with disability insurance to give benefits to a person who becomes permanently disabled and does not die. 

Early Years

It is a natural thing for young people to think that they will live for a long time and therefore have no need for life insurance. However, the really smart ones see the low rates for life insurance when they are young as an investment that will help them in the future. 

Family Years

It almost goes without saying that life insurance is a critical component for protection of those that have a family.

Sunset Years

Life insurance needs may diminish as people get older because their children have life insurance of their own and they no longer rely on their parents. Some policies that have built cash value can be used for retirement funds.

The best thing to do is to develop a long-standing relationship with your agent at JC Demo Insurance Group serving Matthews, NC and the surrounding areas. Your agent can give you advice about how to plan for your life insurance needs for the different stages of life.

Who Needs Commercial Insurance?

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Owning a business is a dream for many people. When you do own a business, there are many decisions that you will have to make, one of which is picking the right type of insurance. For those that are in the Matthews, NC area, one type of insurance that may be needed for a small business owner is commercial insurance. There are several types of people that will need to have commercial insurance in particular.  

Those that Own Real Estate

The first type of business owner that will need to have commercial insurance is one that owns real estate. If you own a commercial real estate property, even if it is leased to a different business, you will need to have a commercial insurance policy. This will be able to provide you with commercial property insurance too repair or replace the property in the event it is damaged.

Those with Liability Potential

If your business has the potential to be found liable for an injury to another party, then you definitely need commercial insurance. A commercial insurance policy will typically provide you with liability insurance as well. This is especially important if you are in an industry that produces food or other consumer products, all of which have some potential to cause harm.

Employers

If your business is large enough to have employees, then you definitely need commercial insurance for workers compensation. Workers compensation will provide you with insurance in the event your employee is injured while they’re at work.

For those that are in the Matthews, NC area and are confused about their commercial insurance needs, reaching out to JC Demo Insurance Group would be a great option. The JC Demo Insurance Group can help anyone to better assess and determine their commercial insurance needs and can even provide a free quote for the right policy.  

Can I Cancel Home Insurance if I Have a Loan on My Home?

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Home insurance can be costly each month but it can also help to cover the damages that may occur to your home. For those that have a mortgage on their home, though it is not required by law, home insurance is something that is vital to being able to take out a loan. For those that live in the Matthews, NC area, the agents with JC Demo Insurance Group can help you to find the right home policy for you.

So the question is do you have to have insurance on a home that you have a loan out on. Put simply, yes. Most loan agencies are not going to offer you any sort of loan or mortgage if you do not hold a home insurance policy on the residence or property that you are trying to insure. The reason for this is that there is no way to recoup losses for the bank or other lending agency should it become damaged or destroyed if there is no home policy present.

The bank or other lending agency is going to work to make sure that they have their bases covered and that they can get their money back, even if the home is completely destroyed and therefore cannot be sold to get their money back. Many home loan agencies and banks will not extend a mortgage or a loan on a home or against the value of a home without there being a satisfactory home insurance policy in place. In many cases, if you get a mortgage without home insurance or without providing home insurance proof to your lending agency they will take out a policy on your home and charge you the premiums each month to pay for it.

If you live in the Matthews, NC area, the agents with JC Demo Insurance Group can help you find the right home policy.

How Will Auto Insurance Help Me If I Get Injured?

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Since North Carolina is an at-fault state, your medical coverage will come from the other driver’s insurance if you were the victim. However, it is also a contributory negligence state, so you have to be 100 percent the victim in order to be covered. If there is proof that something was faulty in your driving, you may not have all of your medical expenses covered. Since it is a complicated matter, you should consult with an insurance expert in Matthews, NC (like JC Demo Insurance Group).

Medical Payments Coverage

If the other driver is fully at fault, then their insurance will give you medical payments coverage. This type of coverage will be able to pay for your copays and deductibles from your medical insurance. Necessary treatments that your insurance does not cover may also be covered. Even if you are without health insurance, MPC will pay your bills. If the other driver does not have auto insurance, which is illegal, they will still be legally required to pay your bills.

What You Should Never Do After An Accident

  •   Do not apologize and brush the incident off. You need to go through the proper routine of having the authorities involved and swapping insurance information. If you allow the driver to get away, they can then accuse you of causing the accident.
  • Do not accept any cash settlements outside of court.
  • Do not attempt to move injured persons until the authorities arrive.

Since the legal system can be tricky in this state, you should have an expert help you when making a claim. If you within the Matthews, NC area, consult with JC Demo Insurance Group to help you learn about medical claims with auto insurance.

Does my business need its own workers’ compensation policy?

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You expect your business to be safe, but sometimes accidents just happen no matter how careful you are or how well you train your employees. Since your employees are your greatest asset, you want to do everything you can to take care of them. Workers’ Compensation Insurance helps make sure that when your employees are injured, their bills can be taken care of. When choosing an insurance policy in JC Demo Insurance Group, serving Matthews, NC, it is important to find out the requirements for your business.

Workers’ Compensation Insurance is Required in North Carolina

Any business in North Carolina with three or more employees is required to carry Workers’ Compensation Insurance, even if the workers are minors or undocumented workers. Even if the business has fewer than three employees, there is still a requirement to carry Workers’ Compensation Insurance if any of the employees’ work involves the use of radiation, or is in the presence of radiation.

Exceptions

There are several exceptions to the requirement for carrying insurance:   

  1. If the business has fewer than three employees, there is no insurance requirement.
  2. Domestic help and household servants are exempt.
  3. Agricultural employers are exempt unless they have 10 or more non-seasonal agricultural workers.
  4. Corporate officers must be included in the employee count, but do not have to be covered.
  5. Sole proprietors, LLC members and partners are not automatically counted, but may choose to be so.
  6. Even some truckers must be covered now, although they are considered independent contractors.

Most businesses will need to carry Workers’ Compensation Insurance. Failure to do so could result in fines or even criminal charges. You can explore your options by contacting the JC Demo Insurance Group serving Matthews, NC today.

What Happens to My Homeowners Insurance If I Move?

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Matthews, NC is nice but what happens if you move?  Will you homeowner’s insurance policy travel with you?  It is important to know what will happen if you move so you can be prepared for what’s to come. JC Demo Insurance Group knows that moving is stressful and that there are things you might forget. One thing that you might forget to ask about is your homeowner’s insurance policy. You might have a home owner’s insurance policy, but what happens to the policy once you move?

Take Action

Nothing happens. Before you move you need to contact your insurance agent to discuss your policy. You can then set up a date of cancellation for the old policy and help you transition to a new policy. Contacting your agent before you move may ensure that there are no gaps in coverage. Waiting to do this task might mean that you go without coverage for a period of time. 

Policy Terms

Looking at the terms of your homeowner’s policy might not be your top priority, but you should make it one.  Knowing your payment schedule and other details are important so you know what you’re dealing with. It is important to know the details so you can make the best decisions as you prepare to move.

Ask Questions

There are additional questions you might have as you think about your homeowner’s insurance. You may ask if you can simply transfer your existing policy?  The answer to this question is no. Every property has different.  Your new home will not be the exact same as the home you are moving from so it requires a new policy.

For more information contact JC Demo Insurance Group to talk to someone about your homeowner’s insurance policy before you move either to or from Matthews, NC.    

 

  

 

Are You Too Young for Life Insurance?

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Life insurance is something that many people in younger generations rarely think about but it may be time to start looking into it. While many people look into it later in life, there are benefits to getting it when you are younger. These are just a few of those benefits from JC Demo Insurance Group serving Matthews, NC.

  1. Life insurance is cheaper the earlier you get it. When you think about getting life insurance when you are younger, you can get a lower price for life insurance. Because you are younger, many people are in better health and if you can lock in those rates now, you will save money in the long run. 
  2. If you have children, you need to have life insurance. When you have children, you need to think about how you would ensure they are taken care of in the case that you are no longer here. Life insurance is a great thing that can do that for you. No matter your age, with children, life insurance should be something you invest in.
  3. If you have debt, then life insurance is a good way to ensure that those bills do not become a burden on your family members if you were no longer here. Student loans are becoming more and more prevalent among younger generations making life insurance, at least enough to cover your debts, a good idea.

Life insurance, as you can see, can be a good idea for many people that are younger. It is not something that is limited to people that are older. If you think that you would benefit from a life insurance policy, now is the time to get one so you can get a lower rate. Contact JC Demo Insurance Group serving Matthews, NC.