Is Flooding Covered on Your Basic Auto Policy?

There are a large number of things that are covered on your auto policy, there are also a large number of things that are not covered on your basic policy. The real key is to find out just what is covered. If you live in the Charlotte, NC area the agents with Jim Boyce Insurance can help you find out just what your policy covers.

For starters, almost no auto policy that is a basic policy is going to cover hurricane damage. The reason for this is that hurricanes are a relatively localized event. They do not happen in rural Idaho for instance so they would not need to be added to a basic policy that applies to car all over the country. If you are experiencing hurricanes, you are going to need to alter your coverage to reflect that.

Another factor that affects if flood damage is covered or not is how exactly the damage occurred; a good example of this is if you leave your window down and it is raining versus your car engine being bogged down by water that rose suddenly. The insurance company will take the time to investigate the damage and see just what caused it and if it was, in fact, avoidable or not.

The first step with flood damage is to get your car dried out immediately. The faster it gets dried out, the less damage there is overall. If you get your car dried out quickly you can avoid a total loss and work on just getting the existing damage repaired. If you live in the Charlotte, NC area, the agents with Jim Boyce Insurance can help answer all your questions and get your policy set up to cover all possible issues that might arise.

Getting a New Auto Insurance Policy After Totaling a Vehicle

When accidents happen, you may find yourself frustrated with the long process of getting back on the road. At Jim Boyce Insurance, our team of experienced auto insurance agents are available to help you to learn if you can get back into an auto insurance policy and what you can expect going forward. When a vehicle is totaled, that means the insurer decided the vehicle was too expensive to repair. The company may or may not help you replace that vehicle. However, you’ll need a new auto insurance plan for it.

What to Consider About Your New Plan

The new auto insurance policy you select will need to represent the new vehicle. You do not have to have the same plan, the same type of insurance, or the same coverage levels. However, you may notice a few bumps in the road to the process depending on the circumstances of your accident.

If you were found liable for the auto accident, that means that your insurance company may have had to pay a significant amount to total the vehicle and to cover any damage that occurred to other people’s vehicles or property. In some cases, this can lead to an increased level of risk to the insurer from providing you with a new policy. That may mean you will have a higher premium cost. You can often find policies that are affordable. And, in some cases, you may have restrictions such as an SR-22 put in place by the Department of Motor Vehicles.

What Should You Do?

The first step is always to get a new quote for auto insurance. Our team at Jim Boyce Insurance provides residents in Charlotte, NC and the surrounding area with comprehensive policies to meet most needs.

 

Is Your Auto Insurance Working For You?

Auto insurance is in place not to cause trouble for drivers but rather to protect them from the event of an accident. As such, it is important that your auto insurance policy work for you not against you. For those in Charlotte, NC for instance, insurance needs are different than for people in other locations making it important to get the perfect policy.

The first step to finding out if your policy is working for you or not is to take a look at your premiums, all the premiums that you have paid since you took out the policy, not just those that you are currently paying. This helps you to determine how much your policy has gone up in price, how much your policy has changed since you took it out, and any other fees that may have been associated with it. This is going to give you a good look at how much you are paying and if the policy is still worth the amount that you are paying each month.

The next step is to take a look at how many claims you have made against your policy. If you have had the policy for ten years for example and have never had a claim but the price has still gone up exponentially every year, you may want to think about switching agencies and getting a lower rate. Agencies often raise premiums for those that do not have claims to help compensate for those that have made claims.

The last thing you want to do is consider any perks that the agency you are working with offers. Do they have cash back, safe driver discounts, and more? This is again going to help you determine if the policy is worth the price that you are paying. For those in Charlotte, NC talking with an agent can help you determine what policy and coverage you need.  

3 Ways to Prevent Road Rage

Whether you are in the car with your family or driving alone, it’s important that you block the urge for road rage. Driving recklessly increases your chances of getting into an automobile accident, which can threaten your lives. Our team at Jim Boyce Insurance recommends that you following these easy driving techniques to prevent road rage.

Always Make Excuses for the Other Driver

With a focus on getting your family to your destination safely, you shouldn’t engage other drivers who may be driving recklessly. To avoid engagement, you can mentally make excuses for these drivers. For instance, you can consider their honking as a way of telling you hello. You can also consider a driver who cuts you off in a hurry. The goal of making excuses instead of engaging allows prevents you from becoming excited, which protects your family in the end.

Pull Over if You Are Being TailGated

Tailgating is the act of driving too close to a car you are following. If someone is tailgating you, there is pressure for you to drive faster. You can avoid the urge to speed by simply pulling over. Pulling over allows the driver who is in a hurry to pass you safely and without incidence.

Plan Your Trip

Another way you can avoid road rage is by building enough travel time into your schedule. Since many people who have road rage are typically running late, with more time, you won’t have the urge. Additionally, planning your trip to work or an outing with your family will allow you to save gas because you won’t have to speed.

In addition to offering road rage prevention tips, our team at Jim Boyce Insurance offers a suite of auto insurance products. If you are in the market for insurance, or you simply want to compare rates, please give a member of our team a call.

 

Insurance & Other Topics For Driving Abroad

When you decide to drive overseas, there are quite a few things you need to know. This includes knowing about driving requirements, road signs, and various roles within the country. The more you can do to prepare, the safe or you can be while you drive in the country of your choosing.

Insurance

You need to have some kind of coverage when you are driving abroad. This can protect you against crashes as well as damage even when your car is in a parking lot. Coverage may be provided by the rental car company and possibly even with your credit card, so it’s a good idea to look at your options.

Driving Privileges

In most countries, all you need to do is show your U.S. driver’s license. However, you may need an International Driving Permit. An IDP can be obtained for a small fee from AAA and various other auto clubs.

Preparing for the Drive Itself

Driving in another country can be scary and stressful because of the different road signs, languages, and even laws. Take the time to familiarize yourself with the rules wherever you’re going. You should also have a GPS so you always have access to directions.

You may be on the “wrong” side of the road and the rental car company may only have a manual for you to drive. Prepare for both of these so you can handle it when you get on the road. If you’re not comfortable behind the wheel at any time, it’s best to rely solely on public transportation. Even if you are comfortable, public transport is a good idea in the big cities.

Help is available to keep you safe on the roads. Call and talk to one of our agents at Jim Boyce Insurance today so that you can learn more about auto insurance, rate comparisons, and more.

 

 

 

Make Sure You Have an Emergency Kit in Your Car

North Carolina isn’t known for its blizzards, but road conditions can quickly become hazardous once temperatures drop to or below freezing. Because cities like Charlotte, NC don’t have the equipment that snowier places in the Northern United States have, even just a little snow, freezing rain or sleet can make streets slick. Therefore, if you live in Charlotte and own a car, it’s important to prepare a winter emergency kit. At Jim Boyce Insurance, we also recommend reviewing your insurance coverages before the cold weather and precipitation come.

Making a Winter Emergency Kit

A winter emergency kit should have everything you need to stay safe on the side of the road, and enough supplies to keep you fed, hydrated and warm until help comes. We recommend including a set of flares and a flashlight in your emergency kit, as these will help make you visible if you break down on the side of the road. Your kit should also have plenty of snacks and water, along with a blanket for when temperatures are low.

Checking Your Auto Insurance

While everyone should have the same basic supplies in their winter emergency kit, there isn’t a set of coverages that everyone should have in their auto insurance policy. Drivers in Charlotte at least need to maintain the state’s minimum required levels of auto insurance, but it’s often wise to purchase more coverage than is required by state law. Which additional coverages you should invest in will depend on your individual situation.

At Jim Boyce Insurance, we can help you determine what auto insurance coverages you ought to have. Our agents will discuss the different options with you and help you find an affordable policy that meets your needs. If you aren’t comfortable selecting coverages on your own, contact our agents through our website — before the temperatures drop anymore.