What Our Customers Say!
I wanted to just send you a note to let you know how thankful we are to Linda Welborn for all of her work on our homeowner's and auto policies. This is the first time I can honestly say that someone took the time to explain the different levels of insurance to me and discuss what we actually needed, rather than what they wanted to sell me. I learned so much from this experience! In addition to the "education" she provided, she provided a proposal to us very quickly and was able to finalize everything in a very timely manner.
We are thrilled to be working with your team going forward!
Read what others have to say.
NC Cracks Down on Uninsured Employers
Employers skimping on their Workers’ Compensation Insurance got an unwelcome surprise in the last 18 months: a knock on the door from an investigator ready to charge them with a crime. Hundreds of others had another unpleasant encounter – a fine for their neglect.
In the last year, the state Industrial Commission, responsible for enforcing workers’ compensation laws, has cracked down on employers who fail to carry proper insurance. The agency has collected nearly $1 million in civil fines from uninsured companies and charged 100 employers with misdemeanors for willingly going without coverage. State law requires any employer with three or more employees to provide workers’ compensation insurance at no cost to the workers.
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Which Claims Hurt Your Insurance Rates?
When is it time to contact your auto insurance or home insurance agent to file a claim?
You might be thinking, "Really! Whenever my car or house has been damaged, like by an accident, or a disaster." But deciding whether to file a claim isn't necessarily a no-brainer. In some cases, a claim may cause an insurance company to raise your rates. In other instances, a claim could land your name in a database that might make it difficult to get or maintain coverage in the future. Before you file a claim, make sure you know how it could come back to haunt you.
Claims that spike premiums
Certain types of home insurance claims are more likely to trigger an increase in premiums. They include:
1. Dog Bites
2. Water Damage
3. Slip-and-Fall Claims
"The whole point of insurance is to make good on a loss, to make individuals whole again," says Claire Wilkinson, the editor of Terms + Conditions, the blog of the New York-based trade group the Insurance Information Institute. However, many people fear that filing insurance claims will cause them to be "blackballed" by insurance companies, resulting in higher premiums, loss of coverage and difficulties obtaining new insurance. And in some cases, they might be right. Read more here:
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Possible Higher Auto Insurance Rates tied to Gas Prices?