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The Consent To Rate Form - In North Carolina This Is A Big Red Flag |
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By Wake Clinard on
8/25/2009 8:42 AM
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More and more insurance companies are sending out a consent to rate letter, also called a consent to rate form to their North Carolina Auto Insurance and North Carolina Homeowners Insurance policyholders. The letter may seem like harmless little form that you sign and return but it isn’t. In fact it should be a big red warning flag to you about your insurance company and your status with them. Alarm bells should be going off in your head and there are a few things you will want to understand before you sign anything.
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Rental Car Loss of Use Coverage - Does your North Carolina Auto Insurance Policy Have This Protection? |
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By Wake Clinard on
8/19/2009 8:23 AM
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If you occasionally rent cars for pleasure use, or even to use while your primary car is being repaired, then you have probably wondered about how your auto insurance policy will work with the rental car. At Clinard Insurance Group, in Winston Salem, NC, we get questions about rental car coverage all the time. But almost no one asks about loss of use coverage. And this can be a big, uncovered loss for you if you don’t take the right steps to protect yourself.
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North Carolina Contractors – Don’t Forget Tool Coverage And Lock Your Truck |
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By Wake Clinard on
8/13/2009 8:49 AM
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North Carolina building contractors have many insurance needs, from general liability insurance to workers compensation insurance as well as insurance for their vehicles. One area that is often overlooked is equipment insurance. This breaks down into coverage for heavy equipment and coverage for tools. If you buy tool coverage in North Carolina, there is one catch you’d better know about.
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Dealers Insurance Policies – Two Easy Steps To Keeping Your Rates Low |
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By Wake Clinard on
8/6/2009 10:30 AM
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Used car dealers understand that their garage policy is one of their big expenses in their annual budget. But few dealers understand how simple it can be to control the costs of auto dealers insurance. Here are two quick and easy steps you can take that will significantly reduce your garage insurance policy rates over time.
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Used Car Dealers – Who You Buy Your Garage Liability Insurance From Could Matter A Great Deal |
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By Wake Clinard on
7/29/2009 9:57 AM
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Used car dealers in North Carolina certainly have many options regarding which insurance company they choose for their garage liability insurance. But very few of these dealers, no matter how insurance savvy, understand the impact of using a company with their own special garage form. This form can save the dealer thousands of dollars in premiums and claim costs as well as dozens of hours in the claims process. But you have to have the right form to benefit.
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NC Contractors Insurance – 4 Important Reasons Why You Must Be Sure To Get A Commercial Auto Insurance Policy |
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By Wake Clinard on
7/27/2009 8:42 AM
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Many small contractors start their businesses from their home and run them out of their back pocket. As they gain success and confidence, most will begin to search out a separate office location and separate their business affairs from their personal affairs. But one thing that gets left behind in this process is the move to a true commercial auto insurance policy. Here are some of the reasons for switching over to a North Carolina commercial auto insurance policy instead of trying to use a personal auto insurance policy to cover the vehicles used in the business.
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All North Carolina homeowners now face a personal burden for beach house hurricane losses. |
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By Wake Clinard on
7/21/2009 9:23 AM
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The North Carolina State Legislature is crafting legislation, House Bill 1305, that will push the burden of catastrophic hurricane losses of beach property on to the backs of all unsuspecting property owners statewide. While there are some positive changes in this legislation, it feels like to me that they are sticking it to the people who are not there watching this legislation be made, and that is all the people who own property in North Carolina that is not coastal property.
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North Carolina Homeowners: Watch Out For The Consent To Rate Letter |
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By Wake Clinard on
7/20/2009 7:28 AM
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Several large insurance companies are now actively sending out consent to rate letters to their customers with homeowner insurance policies. This letter is bad news for anyone who gets one although the language in the letter might seem to make it sound fairly benign. But that’s like putting a tablespoon of sugar on rotten meat. Here’s some help for you in understanding why you might be receiving this letter and what it means for you.
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Car Insurance Marketing Cheap Tricks – This One Could Ruin You |
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By Wake Clinard on
7/9/2009 7:37 AM
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In the world of cheap trick marketing gimmicks, this one could put the auto insurance consumer in a world of hurt. I recently saw an ad on TV by an insurance company advising the customer to go online and build their own policy. And the hook line was, you choose how much you want to pay each month and we will build your policy to that price. This sounds like the consumer is choosing their own price but the opposite is true.
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