Did you know in North Carolina the state minimum liability limits are 30,000 per person on bodily injury; 60,000 per accident on bodily injury; 25,000 for property damage? That’s right go ahead and pull out your insurance policy that you tossed in your desk drawer at renewal. Let’s review those limits. Think about it, a major accident with at least two passengers, what do you think 30,000 person and 60,000 total will cover? Medical cost are astronomical. Property damage at 25,000 – you like that brand new Mercedes that just went by you? Think it’s value is 25,000?
When drivers think property damage they usually think only about vehicles. Remember, property damage is more than just your vehicle. Ever watch the news and see where a vehicle plowed into your local supermarket or your favorite restaurant? Now, ask yourself if 25,000 property damage will cover the cost to fix those buildings! Also, when you increase those limits to 50,000 and 100,000 – you are going to automatically have underinsured motorists coverage. Meaning, when you are involved in a not a fault accident with another driver that is carrying those state minimum limits you will have some underinsured coverage to protect yourself!
Everyone knows texting can tremendously increase your chances of having an accident! What measures do you take to stop yourself from texting? Nationwide has actually found some helpful apps for your smart phone to keep from texting! Check this out… http://www.mynationwidemagazine.com/3-apps-stop-texting-while-driving
So many of us have had or have been a passenger in an accident involving an animal, especially deer. Nationwide has posted a great informative video for the safety of their insureds. Please watch this video and take some mental notes to protect yourself, your family and your vehicle!
Owens Insurance Agency offers automatic draft. We can even send you an email reminder two days before the draft will take place. Contact us to set up your policies for automatic draft.
Came across a great read on Weather.com, and thought it would fit this rainy weather we are having to endure in Wilmington the last few days!
Check out his location at National Hurricane Center website. Insurance tip: insurance companies retrict binding authority for their agents when hurricanes are headed this way!
Trying to grill out or just relax in your back yard? Mosquitos keeping you from enjoying your yard? Homeowners, check out this article from Star News Online and fire up your grill before summer is truely over!
1. Call 911! Be sure to let them know if anyone is injured and needs an ambulance. The responding police officer will complete an accident report.
2. Stay at the scene! This includes any passengers.
3. Stay off the road! Stand in the grassy area beside your vehicle not on the busy street or hwy.
4. Don’t argue with the other party! Simply, exchange your information; insurance, phone numbers and names.
5. Be sure to call your insurance company and report the accident.
You can save up to 15% just by insuring your car and home from the same insurance carrier? Call us for a quote if you don’t have both auto and home with our agency!
Be sure to like Owens Insurance Agency on Facebook! Just be sure not to look us up while behind the wheel!!! Safety first!