Answers to Frequently Asked Questions

Winston-Salem, NC Auto Insurance 3/8/2011

I’m going on vacation and need to rent a vehicle. Am I covered?

  • Yes. Your auto coverage extends to rentals for up to 45 days, throughout the U.S., Puerto Rico and Canada. Policy terms and conditions apply.  There are some areas of coverage, like Loss of Use or Lease Turn-back voidance claims that can be made by the Rental Car Agency against you that merit further discussion if you are interested.
I’ve had an auto accident, filed an auto insurance claim and now my car needs to be repaired. Where can I get it fixed?

You have a couple of options:
  • Our agency has a list of Direct Repair Facilities (DRP)  that includes independent auto repair shops that we’ve already approved. These shops will repair your car and offer a lifetime guarantee on workmanship.
  • If you’d rather, you can use your preferred repair shop once the vehicle has been inspected and the estimate approved.
If I purchase a vehicle on a Saturday and let my Agent know on Monday, is it covered in between?
  • Yes. As long as you add it to your policy by the end of the policy period, the broadest comprehensive and/or collision coverage you have will apply.
A friend is borrowing my pick-up to run some errands. Are they covered?
  • Unless the person is specifically excluded on the policy, yes, your auto liability coverage extends to someone borrowing the vehicle with your permission.
Coverages, exclusions and conditions vary from state to state. See policy for details.

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What Our Customers Say!

"I wanted to let you know what outstanding customer service I experienced today. Jennifer Wakefield contacted me because she had been notified  that I purchased a new car and had not yet reported it on my auto policy.  At the time I purchased the car, the dealership assured me they would be contacting your agency to make the switch and to verify that I had certain levels of coverage.  Imagine my dismay to learn that five weeks had gone by, and this call had not been made!  Jennifer took care of all the loose ends for me and was very kind and responsive throughout all of our communications.

I have had Home, Auto and Umbrella Liabilty coverage through your agency for four years.  Every time I contact your staff,  I am blown away by how helpful and kind everyone is, and how consistent your service remains, regardless of who I am speaking with.  You have a fantastic team of employees.   Keep up the great work!"

Meghan Claffey Cline, MHS - Nutritional Interventionist, Wake Forest University

Read what others have to say.

What's New

Claims and Your Insurance Rates
10/24/2017

When is it time to contact your auto insurance or home insurance agent to file a claim?

You might be thinking, "Whenever my car or house has been damaged, like by an accident, or a disaster." But deciding whether to file a claim can be a complex process. 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 completely understand how it will impact your future premiums and insurability.
 
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:
Read More »

 

What You Should Know About Rental Car Insurance
8/1/2017
There are some very serious contractual gaps in coverage for rental vehicles. Even if you purchase their Collision Damage or Physical/ Loss Damage Waivers, many rental car contracts exclude the following:
  • Theft of the Vehicle
  • Tolling, or Turning the Vehicle Over
  • Lease Gap coverage
  • Loss of Use
  • Glass, Tire and Undercarriage Damage
  • Animal Collision
  • Flood and Hail Damage
  • Damage above the Windshield
  • Individuals who rent personal vehicles for extended periods and do not have a Personal Auto policy in force
  • Drivers who rent, and do not own another vehicle insured elsewhere, need to be expecially careful here
Read More »

 

5 Ways to Control Rising Homeowners Insurance Premiums
6/10/2017
Just as with real estate values, location rules when it comes to homeowners insurance costs. According to the National Association of Insurance Commissioners, the average annual U.S. premium was $842 in 2015, the most recent year for which figures are available. Floridians paid the highest rates, averaging $1,534 a year, while at the opposite end of the spectrum, homeowners in Idaho paid $422.  North Carolina residents averaged $664 per year. 
 
Fortunately, you can take several steps to bring down the cost of your own homeowners policy, short of packing up and moving:
Read More »