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Why Basic Auto Insurance May Not Be the Right Choice for You

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Basic auto insurance is the least amount of coverage that you are required to carry. It is different from state to state, but in North Carolina it is 50/100/50. That is entirely liability coverage. $50,000 for one person injured in an accident with a max of $100,000 for all injuries. An additional $50,000 is allowed for property damage. 

Serving Matthews, NC, JC Demo Insurance Group is an independent insurance agency that can help you to determine what the right auto insurance is for you and your needs.

When Is Basic Insurance the Right Choice?

Basic auto insurance is acceptable if you own your vehicle outright and it has very little trade-in value. If you lease your vehicle or have an auto loan, you will be required to have additional coverage. They will want their investment in your vehicle covered, which means that you carry comprehensive and collision coverage. 

When Is Basic Insurance Not the Right Choice?

If you have a vehicle that you really like, and it has some value as a used vehicle, you may want to consider keeping your collision and comprehensive coverage even if you don’t owe anything. Most of us use our vehicle every day to drive to work, to run errands, chauffeur the kids and more. If you have an accident where you are responsible, and you don’t have collision and comprehensive coverage, you will be responsible for the repair or replacement yourself. 

For most people, that would be a hardship. The cost of even a used vehicle is high. Unless you have savings or are willing to take on another auto loan, you will be in a difficult situation. With those coverages, you will only have to cover the amount of the deductible. 

When you need auto insurance, give our office a call at JC Demo Insurance Group, serving Matthews, NC. We are here to help. 

Do You Need Additional Home Insurance Coverage If You Remodel Your Bathroom?

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Remodeling your home in Matthews, NC, can be a great way to breathe new life into your space, and potentially give your property value a little boost. What you might not think about, especially if you’re remodeling a smaller space, is how the changes might impact your home insurance policy. At JC Demo Insurance Group, we can fill you in on the details, so you aren’t left holding the bag. 

Home Insurance Coverage: What To Know

The general rule is to update your home insurance policy if you make any major changes to your property. The catch is that what counts as "major" can differ from homeowner to homeowner (and from insurance company to insurance company).

If you want a way to simplify matters, just consider that your carrier prefers to know exactly what they’re covering when they set the terms and conditions for your policy. So, if you spend $50,000 on a bathroom remodel and don’t update your policy, the insurance carrier might not cover the updates if they’re damaged by vandalism or weather. 

How To Update Your Policy 

If you’ve just made a few minor cosmetic improvements to your bathroom, like paint touch-ups or new fixtures, there’s no need to make a call or fill out a form. However, if you’ve put some serious work into the project, whether installing a rain shower or tiling the whole room in pure marble, contact your agent for more information.

Or, if you’re shopping around for new coverage in Matthews, NC, the staff at JC Demo Insurance Group is here to review your options, so you can find coverage that works. Contact us to get the ball rolling. 

What is the GREAT Grant?

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One of your responsibilities as a business owner is to secure commercial insurance for your company. Some business owners have questions about the types of insurance their company needs. If your company is located near Matthews, NC, our JC Demo Insurance Group team would like to invite you to discuss your insurance options with us. We’ve been working with companies like yours since 2009.

Understanding the GREAT Grant

Every business needs efficient internet access to network with clients and collaborate with other businesses. However, in some North Carolina regions, there is insufficient broadband access. The North Carolina Department of Information Technology has developed state-funded grants to address this issue. The GREAT Grant (Growing Rural Economies with Access to Technology) provides broadband internet access to underserved areas of less affluent regions of North Carolina. More residents and businesses can grow and thrive when these areas are provided with internet access.

These grants are available for rural and remote areas of North Carolina. According to the North Carolina Broadband & Digital Opportunity, the areas previously had computers operating at slower than optimal speeds. Funds provided by these grants were allocated to broadband service companies willing and able to serve clients and businesses in these areas.

Schedule Your Appointment Today

Your company must have the right insurance to safeguard its assets and protect its employees. Each member of our team at JC Demo Insurance Group is ready to work with your company and help you discover the right insurance for your business’s needs. Businesses near Matthews, NC, have learned they can trust our company for their insurance solutions. Give us a call for an appointment today, and let’s find the right insurance portfolio for your company.

Do Life Insurance Premiums Change Over Time?

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Your life insurance policy remains active as long as you continue to pay the premium. When you secure a life insurance policy, you’re expected to pay the premium for as long as the policy is active. Some policies are active for a specified term, while others remain in place until the insured dies.

Therefore, if you’re considering getting a life insurance policy, it’s important to know whether the premium will increase over time or if the policy premium will remain the same for the duration of the policy. This information can help you budget for your life insurance policy.

The JC Demo Insurance Group professionals, serving Matthews, NC, can help answer your questions. Here’s what you need to know.

Do Life Insurance Premiums Change?

Some types of life insurance policies have premiums that change over time. For instance, the premiums for a universal life insurance policy change with time. These premiums are somewhat flexible, as is the death benefit. On the other hand, whole life insurance and term life insurance have fixed premiums that do not change over time.

Which Type of Life Insurance Is Best For My Needs?

The type of life insurance you choose depends on your budget and your goals for the policy. Do you want a policy that will only be in place while your children are young? Do you want a policy that will be in place even when you are old? Can you afford to pay a premium that increases over time? Can you afford a higher-cost premium that will remain at the same rate for the entire policy duration?

You’ll need to answer these questions to find the right policy for you. Your insurance agent can assist you with this.

Contact Us For More Information About Life Insurance

At JC Demo Insurance Group, serving Matthews, NC, we’re here to answer your questions about life insurance. Call today to get started with your policy.

Even Smart Cars Need Auto Insurance Solutions

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The term "smart cars" in the realm of automotive technology doesn’t just refer to those compact two-seater vehicles. Instead, it encompasses any technological advancements in the automotive field that make vehicles more efficient, comfortable, easier to drive, and hopefully safer. However, no matter how advanced our vehicles become, road safety ultimately lies in the hands of the drivers. This is why many drivers in Matthews, NC, rely on the friendly and professional team at the JC Demo Insurance Group for all their auto insurance needs.

Even Smart Cars Require Auto Insurance Solutions

Indeed, many compelling arguments support the benefits of automotive technology, including the production of safer vehicles. However, regardless of where you stand in the discussion about smart cars, technology has its limitations. As of now, even with the most advanced vehicles, technology cannot prevent 99.9 percent of accidents resulting in damage or injuries.

This doesn’t mean technology isn’t contributing to making vehicles and the roads safer. What it does suggest, however, is that even the owners of the most advanced smart cars still need the security and protection that only auto insurance can provide. This is why drivers in the Matthews, NC area collaborate with the experienced and helpful agents at the JC Demo Insurance Group for all their auto insurance solutions.

Auto Insurance Solutions for Drivers in the Matthews, NC Area

Do you live and drive in or around the Matthews, NC area? Are you interested in learning more about auto insurance solutions for you and your "smart" vehicle? We can assist. Contact us to learn more and schedule an appointment for the auto insurance and protection you need and deserve at the JC Demo Insurance Group today.

Why Liability Coverage Matters for Customer and Employee Safety

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Owning a business is thrilling, but it also comes with significant responsibilities. No matter how cautious you are, accidents happen; when they do, they can lead to costly legal claims. At JC Demo Insurance Group in Matthews, NC, we help businesses stay protected with the proper liability coverage, ensuring that one unexpected incident doesn’t jeopardize everything you’ve built.

Ensuring Customer Safety

Imagine this scenario: A customer visits your business, trips over an uneven floorboard, and suffers an injury. Even if it was a simple accident, your business could still be held responsible for medical bills and other damages. Without general liability insurance, covering these costs could put a serious strain on your finances. Liability coverage helps manage these risks by covering customer injuries or property damage expenses, allowing you to handle claims without disrupting your business operations.

Employee Protection

Employees work hard to keep your business running, and their safety should be a top priority. In workplaces of all kinds, injuries can occur—whether from a fall, heavy lifting, or repetitive motions. Employees who get hurt on the job may need medical care and time off to recover. The right insurance coverage ensures they receive the support they need while also protecting your business from financial strain due to workplace injuries.

The Importance of Liability Coverage for Your Business

Robust liability coverage provides a sense of security in addition to meeting legal requirements. Instead of worrying about potential lawsuits or financial setbacks, you can focus on growing your business and serving your customers.

At JC Demo Insurance Group in Matthews, NC, we specialize in helping businesses find the right commercial insurance solutions. Contact us today to explore your options and secure the coverage your business needs.

For All Your End of Life Expenses Life Insurance can Help

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Many people don’t contemplate or even consider life insurance until well into adulthood. In many situations, these individuals wait until the later stages of life to contemplate life insurance plans. Realistically, this is comprehensible as not many twenty or thirty-year-olds reflect much on the end of their lives. However, practically waiting to get life insurance could reduce the advantages of having life insurance. If you require life insurance solutions in the Matthews, NC area, the expert and amicable crew at JC Demo Insurance Group can aid you.

Life Insurance: For Your End-of-Life Expenditures and More

The cost of everything is escalating, and the cost of end-of-life expenditures is no exception. Expenses from the headstone to the burial plot, the casket, burial service expenses, and funeral services today can cost thousands of dollars, with many easily surmounting ten thousand dollars. Indeed, this is the primary reason for life insurance, to alleviate the additional financial hardship during challenging times like these, which your loved ones and those you care about should not have to endure. Fortunately, life insurance is available to assist with those costs, burdens, and concerns. It is never too late, or too early, to acquire life insurance or the benefits and peace of mind it can offer.

For Life Insurance Solutions in Matthews, NC

If you reside in or around the Matthews, NC, area and need life insurance or have inquiries about life insurance, our proficient and helpful team at the JC Demo Insurance Group is here to cater to all your life insurance necessities, inquiries, and solutions. Contact us to learn more and schedule an appointment for the insurance your life requires and merits today.

Life Insurance for Parents in Matthews, NC: Providing Financial Security for Your Family

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As a parent in Matthews, NC, you want to do everything you can to protect your family’s financial future. Life insurance is a crucial way to provide that protection, ensuring your loved ones have the financial resources they need if the worst happens. At JC Demo Insurance Group, we understand the importance of life insurance for parents and can help you find the right policy to meet your needs.

The Benefits of Life Insurance for Parents

Life insurance provides a death benefit to your beneficiaries in the event of your passing. This benefit can be used for various purposes, such as paying for funeral expenses, paying off debt, or providing for your children’s education. With the right life insurance policy, you can ensure your family is cared for financially, no matter what happens.

How Life Insurance Can Secure Your Family’s Financial Future

If you were to pass away unexpectedly, your family would likely experience a significant loss of income. Life insurance can help fill that gap, providing your loved ones with the financial support they need to maintain their standard of living. With life insurance, your family can continue to pay bills, mortgage payments, and other expenses without worrying about financial hardship.

Working with JC Demo Insurance Group

We understand that choosing a life insurance policy can be overwhelming. That’s why we’re here to help. Our knowledgeable agents can answer your questions, provide guidance, and help you find the right policy for you and your family. Contact JC Demo Insurance Group in Matthews, NC today to learn more about our life insurance options and get a quote. 

Auto Insurance North Carolina

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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

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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.