Auto Insurance North Carolina

North Carolina is a hurricane state. When a hurricane is on the radar, drivers in the state are warned of peril in road travel ahead. Not surprisingly, auto insurance coverage is a must for drivers in North Carolina. Mandated auto liability coverage is often supplemented by comprehensive collision and damage insurance, as well as coverage for uninsured motorist risk in case of accident with a driver without adequate auto insurance. Protect your property from natural disaster.

Auto Insurance in North Carolina

North Carolina State’s Motor Vehicle Law mandates Automobile Liability coverage be continuously maintained by a driver. Minimum auto insurance coverage requirements for a single policy holder, are $30,000 for bodily Injury for one person, $60,000 bodily Injury for multiple persons injured in an accident, and a minimum of $25,000 for property damage to an insured’s vehicle.

When shopping for auto insurance, look for a policy that covers compensation for a range of damages and injuries that may be sustained as result of hospitalization, medical care, vehicle repair and replacement after an accident. Some policies provide coverage for lost wages for time spent off work injured, regardless of fault in a collision. The rules to auto insurance agreements in North Carolina, also cover terms and conditions to liability and damages for road accidents caused by natural disaster.

Hurricane Disaster, Salvage Vehicle

In North Carolina when there is a hurricane, insurance companies often declare an insured’s property a “salvage vehicle”. The classification of salvage vehicle is applied to autos with irreparable damage or natural disaster related accident wreckage from a hurricane. The definition of salvage vehicle is applied if repairs cost more than 75 percent of the fair market value of the vehicle. This makes auto liability and collision coverage supplements for vehicle damage especially attractive to North Carolina drivers. 

If an auto is declared “totaled” compensation for market value is covered under North Carolina rules to salvage vehicles. An insured can either retain the vehicle, or sign the title over to the insurance company. Insurance companies auction or junk salvage vehicle assignments for cash. Insurers or dealers selling salvaged vehicles have a duty to disclose the status of the property to the purchaser in writing. Sellers concealing damage to vehicle are commissioning a misdemeanor punishable by fines in North Carolina.

For auto insurance coverage in North Carolina, contact a licensed auto insurance broker with JC Demo Insurance Group in Matthews, NC.

NC Home Insurance and Theft

When people buy home insurance, they usually do so with the thought of protecting themselves from natural disasters. Here in Matthews, NC, we have seen our neighbors lose it all in hurricanes, floods, and fires. It is a reality that we all hope never to have to face. Burying our heads in the sand does no good. For this reason, wise consumers purchase comprehensive home insurance. When the worst happens to them, they have money to rebuild, repair and relocate, depending on the damage.

Do Not Forget In-Home Property Coverage

There is something that most homeowners forget to consider. What will they do if their home gets robbed? Perhaps they come home one day to find the place ransacked and important items missing. Does home insurance cover the stolen property? Well, that all depends on what was stolen and how much. It is always best to speak with an experienced NC home insurance agent about just what is covered in a particular policy.

In general, Matthews, NC, insurers can make special dispensations when needed for such valuables as computers, home entertainment centers, jcand pianos. These items are likely candidates for theft.

Just ask an agent about available policy rates.

Secure Your Property Today

There is no need to wait. Get started securing in-home property today. Crime rates are unfortunately rising everywhere. If hit by a thief, comprehensive home insurance can help to provide the necessary financial backing to replace stolen items.

The best way to save is to use the convenient online rating tool that provides current pricing on home insurance. Then contact an agent at JC Demo Insurance Group to make the purchase.

 

 

No Regrets: Choosing Home Insurance That Works for You

Everyone has a different view and opinion of home insurance in Matthews, NC. Some people are incredibly cautious and want to ensure that they’ve accounted for every possible event, while other people think that it’s a better bet to get the minimum coverage and just take their chances. Here are a few things to consider before you decide whether or not you want extra coverage on your home. 

Can You Afford the Damages?

This is not just about property damages or about the belongings within the house. If you can’t handle the total costs of potential events and would rather not declare bankruptcy over these issues, then you may want to consider getting additional coverage. Litigation, natural disasters and theft can all end up costing you hundreds of thousands of dollars, even if you think that your home and things inside are of nominal value. 

Understanding the Consequences 

Very few people know their insurance policy inside and out. For instance, many people believe that their home insurance would cover a flood in Matthews, NC, only to find out that they actually have to deal with the water damage on their own (which can be incredibly expensive.) Getting caught unawares is one of the absolute worst feelings in the world, and one that you certainly don’t want to experience after you’ve already been through a terrible disaster. Should you choose to opt out of additional home coverage with full knowledge of your choices, at least you won’t feel blindsided should something terrible happen to you. 

JC Demo Insurance Group Inc. 

Our agents take the time to explain all of this and more to you. As experienced consultants, we want everyone to be aware of what their decisions mean for what is typically the most expensive piece of property they own. If you’re wondering if you should up your coverage, give JC Demo Insurance Group Inc.  a call today for more information! 

 

Why auto insurance is a must in Matthews, NC

Located on the outskirts of Charlotte, Matthews, North Carolina is a suburb that allows residents to be close to all the good things a big city has to offer, but also distance themselves from all the bad things the city has as well. Because of this distance, however, most residents will need vehicles to get around, which means they will probably also need auto insurance of some kind. Below are some of the reasons why auto insurance is a must in Matthews, NC.

FIRST, IT’S THE LAW

Everyone who drives in North Carolina needs auto insurance of some kind so that they can cover an accident that they cause, at the very least. If you don’t have auto insurance or proof of it while you are driving, you will get a ticket if you are pulled over and then still have to get auto insurance before you can legally drive again.

TO PROTECT YOURSELF FINANCIALLY WHILE ON THE ROAD

Auto insurance protects you financially while you are driving. If you don’t have it and are in an accident, you will have to pay for your vehicle’s damage, the other vehicle’s damage or property damage caused by the accident and any medical bills that are incurred from the accident as well out of your own pocket. This could easily be tens if not hundreds of thousands of dollars, which is enough to cripple you financially for a long time. So with auto insurance, this is no longer a concern.

PROTECTION AGAINST LAWSUITS

Sometimes those involved in an accident want to sue for more money or damages. The auto insurance company will protect you from this lawsuit in most cases, rather than you having to deal with it yourself and being on the hook for payment if you lose.