Author Archives: spivey

Do you think the proper liability insurance is an unnecessary extra for your business insurance policy? Read the following stories from AboutLawsuits.com and you might rethink that.

Recently a study done by a Washington-based research group looking into the need to update roads and bridges across the country found that South Carolina has the most dangerous rural roads in the nation. The research group (TRIP) found that South Carolina had 4.7 fatalities per 100 million rural miles driven in 2009. North Carolina wasn’t too far behind, ranking 11th nationally with 2.74 deaths per 100 million miles driven on rural roads.

Rural driving is considered anything outside of the commuting zone of cities with a population of 50,000 or more. The common problem with these country roads and especially in South Carolina is that they tend to have very narrow lanes. The study found that 34% of fatal crashes on the roads were a result of a vehicle going off of the road. The other major cause of fatal accidents was head-on collisions at 15%.

What must you do to protect yourself against those dangerous country roads?

Ten years ago from Sunday September 11th, approximately 3000 lives were lost to a horrible act of terrorism against the United States of America. September 11th, 2001 was a horrible day in American history that will never be forgotten, and we must always remember those that lost their lives in the unimaginable act. Not only did America suffer emotionally, but economically the loss was extreme. It is estimated that in regard to U.S. property loss andinsurance cost the total caused by the act of terrorism was from $30 to $40 billion. 

In 1968, Congress created the National Flood Insurance Program (NFIP) in order to enable homeowners, renters and business owners to purchase insurance coverage in the event of a flood. It is believed by some that a homeowners’ insurance policy will offer coverage of flood damage, however that is an incorrect assumption. For protection against flood damage, a flood insurance policy is needed. NC insurance coverage for a flood is a special policy backed by the Federal Government (NFIP) along with local communities and private insurance companies. 

Flooding can happen anywhere and at anytime, but certain areas are considered more prone to serious flooding. Often times, if a home is located in a moderate- to high-risk flood zone, then homeowner’s are required to purchase a flood insurance policy (lenders require it before giving you a mortgage). However, considering it is a relatively inexpensive cost, should everyone contemplate purchasing flood insurance coverage?

With the economy weak, Americans are searching for anyway possible to save some money. However, some are starting to take it too far by sacrificing on their health insurance. Charlotte NC doctors are starting to wonder if the money saving option of higher deductibles is resulting in a greater lack of the use of preventive health care for consumers. It is worried that the low premium, high deductible plans are causing people to skip the routine healthcare that could head off serious and sometimes deadly illnesses.

Are high deductibles a healthy decision? Continue reading to learn why high deductible may be a detriment to your health in the future!

Did you know that September isLife Insurance Awareness month? Don’t think you need North Carolina life insurance? Think again! The loss of a loved one is already an emotional trauma that is horrible for anybody to go through, but to have to deal with financial loss can make it that much worse. By purchasing a life insurance policy, you’re protecting those you love from financial stress. The purpose of life insurance is to replace the loss of income that would occur in the event of one’s death. To kick of Life Insurance Awareness month we want to share with you some tips for choosing the perfect North Carolina life insurance policy for you!

Car insurance is an anticipated cost of living for most people across the country. However, although North Carolina auto insurance is a requirement, it doesn’t have to break your bank! With the economy struggling and people searching for any way possible to save some money, insurance companies are now offering all kinds of different discounts. From having a good driving record to multi-car discounts, saving money is easy…but did you know that furthering your driving education can make a big difference in the cost of your insurance premium? Continue reading for more information.

Most people put a huge amount of time, effort, and money into opening and running a small business. So why take the risk of losing all of that by not purchasing NC business insurance? Protecting your business with the proper coverage is important to your future, and there are several ways to find the cheapest and best coverage for your small company!

We all make the mistake of thinking that since we aren’t in California or on the west coast earthquakes are a non-existent threat. But the strong Tuesday quake in Virginia that was felt up and down the east coast has people second-guessing that thought. Mother Nature is an unpredictable monster; one can never guess where and when she’s going to strike next and how extreme the effects will be. That’s where Carolina insurance comes in handy!

As Hurricane Irene approaches, it’s looking more and more like the Carolinas are in store for a brutal pounding. Forecasters are now predicting that Irene will make landfall late in the week as a very large and very powerful storm. The question remains, are you prepared for the possible damage and destruction that may occur? Do you have the proper North Carolina homeowners’ insurance coverage to ensure adequate protection in the instance of damage to your home and valuables? Continue reading for some safety tips and wise instructions to ready you and your family for the first major hurricane that we’ve seen in three years!