• 2304 W 5 th St Lumberton NC 2835
  • Monday-Friday 09:00am - 05:00pm

Faq

FAQ's

Frequently asked questions

We offer insurance coverage for your:

  • Personal Auto
  • Commercial Auto
  • RV
  • Boat
  • Motorcycle
  • Mobile Home
  • Home

Coverage to Repair Your Car

Collision Coverage pays, up to the coverage limits, for damage to your vehicle caused by a collision with another vehicle or object. Select deductibles of $100, $250, $500, or $1000 to help offset the cost of this coverage. You can save money by selecting a $500 or $1000 deductible because the larger deductible lowers your insurance costs.

Comprehensive Physical Damage Coverage pays, up to the coverage limits, for damage to your vehicle resulting from glass damage, collision with an animal, theft, fire, vandalism, flooding, or hail. Select deductibles of $100, $250, $500, or $1000 to help offset the cost of this coverage. You can save money by selecting a $500 or $1000 deductible because the larger deductible lowers your insurance costs.

Rental Reimbursement pays up to a specified amount for rental vehicle charges while your vehicle is being repaired for damage covered under your policy. If you prefer not to incur the cost of renting a vehicle yourself and cannot be without a vehicle while yours is being repaired, you might consider this coverage.

Towing and Labor provides up to $50 reimbursement for such expenses as towing fees if your car is disabled or for locksmith fees if your keys are locked in your car or lost.

Coverage to Protect You

Bodily Injury (BI) Liability Coverage pays, up to the coverage limits, for damages due to injury or death of others in a vehicle accident for which you are legally responsible. It also pays your legal defense costs.

Property Damage (PD) Liability Coverage pays, up to the coverage limits, for another individual’s vehicle or property that has been damaged in an accident for which you are legally responsible.

Uninsured/Underinsured Motorists (UM/UIM) Coverage pays up to the coverage limits for bodily injury to you or your family resulting from the negligence of a motorist whose liability insurance limits are insufficient.

Medical Payments Coverage pays, up to the coverage limits, for reasonable and necessary doctor, hospital and funeral expenses for you and your passengers injured or killed in an accident, or as a pedestrian by another vehicle, regardless of who is at fault.

A good way to lower your insurance costs is take advantage of the multi-line and driver education discounts that some companies offer. You can also lower your insurance cost by raising the deductible

Collision Coverage pays, up to the coverage limits, for damage to your vehicle caused by a collision with another vehicle or object.

Comprehensive Physical Damage Coverage pays, up to the coverage limits, for damage to your vehicle resulting from glass damage, collision with an animal, theft, fire, vandalism, flooding, or hail.

To report a claim, click here. You will be redirected to our Claims Reporting page.
The deductible is how much you will pay out of pocket if you submit a claim on your insurance. Let’s say your deductible is $500 and the cost to fix your car after an accident is $3,000. You would pay $500 and your insurance company would pay $2,500. Deductibles are usually based on a one year or on your renewal term. This means that if you pay your $500 deductible (in the example above) in January and you have another accident the next month, you usually won’t have to pay the $500 again. Make sure to check your policy to find the exact rules as it pertains to you.
“Credit scoring” is a very common practice among the major insurance companies. There is a common belief that a person’s credit rating has a direct relationship to the type of customer they will be. If they are frequently delinquent on payments and neglect their financial obligations, they may also be a neglectful driver, or neglect to pay their insurance bill (which is what the insurance companies care about). To reduce your insurance premium make sure that your credit rating is as high as you can make it. Be sure to check your credit report frequently to check for fraudulent or inaccurate items. The credit bureaus allow you to request to have an item to be removed online with very little effort.

Still Have Questions?

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