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!
Several months ago we had a flood in our home due to a defective valve in our guest bathroom. Needless to say we came home to a disaster. We immediately contacted our agent, Linda Welborn. Right on the spot she gave us the name and phone number of a company to call (Disaster One). They came out that evening (around 11:30pm) and worked through the following morning around 6:30am. They did an outstanding job! We were so impressed with their "sense of urgency" and "expertise" we assigned all of our repairs to their company. The insurance adjuster(Erie Insurance) cut no corners when it came to replacing damaged items. They issued repair orders on things we weren't even aware we needed to look for. They too did a great job in getting everything processed quickly. It's great to have such a Professional agent who treats us like we are her only customer. I have been so impressed with her outstanding customer service that I refer many people to your agency because of the great care and attention she gives to her customers. Thank you Linda for your outstanding service! We look forward to working with you in the years to come.
Linda Martinez, Merfin Systems, LLC

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What's New

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
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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:
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5 Reasons Why Auto Accidents Are on the Rise
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According to the National Safety Council, traffic deaths increased 6 percent to 40,200 — the first time since 2007 that more than 40,000 have died in motor vehicle crashes in a single year.The 2016 total follows a 7 percent rise in 2015. Much of this is attributed to continued lower gasoline prices and an improving economy which has increased motor-vehicle mileage. 

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