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NC Homeowners Insurance Rates Are Changing - Here Are Tips For Getting The Best Quotes |
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By Wake Clinard on
10/27/2009 9:49 AM
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The North Carolina Homeowners Insurance market has undergone wild gyrations this year as insurance company rate makers have tried to react and prepare for regulatory changes with the NC Beach Plan. The uncertainty of the legislatures actions and the slow motion change of the rate bureau in North Carolina have led to some crazy rate changes for homeowners policies in North Carolina. As a consumer, you want to tread carefully before switching companies.
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Parents of Teen Drivers, What Is A DL 123 Form and Why Do You Need It? |
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By Wake Clinard on
10/21/2009 8:01 AM
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In North Carolina, all drivers must provide proof of insurance in order to obtain a drivers license. This rule is designed to reduce the number of uninsured drivers out there on our roads and highways. The cross check mechanism for maintaining this rule is the DL 123 form and if you have a teen driver who is eligible to get his or her license, then you will need this form
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Construction and Building Contractors – How should you define an Independent Contractor? |
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By Wake Clinard on
10/13/2009 8:14 AM
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It’s really the nature of the business in construction. Whether you are a brick mason, a carpenter, a painter, a plumber, or even a landscaper, from time to time you will find yourself in the position of needing to hire a subcontractor. But how you define an independent contractor and the way the law and the insurance industry define this term might be very different. It is important for you to get this right, not only for your workers compensation and general liability insurance, but also for the protection of your business and perhaps your personal assets. And here is a clue – you don’t get yourself off the hook simply by providing a 1099 instead of a W2
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Used Car Dealers Insurance – Don’t forget your DOC protection |
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By Wake Clinard on
10/6/2009 11:56 AM
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Used car dealers insurance is a specialized coverage and few agents understand it. So how many used car dealers are getting it wrong when it comes to drives other car coverage? The answer is most all of them. If you are a used car dealer and you operate as a corporation, partnership or LLC, you might be leaving yourself open to a huge exposure if you haven’t tackled the drives other car coverage.
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North Carolina Used Car Dealers – The Garage Insurance Policy That You Started With May Not Be The Right One Today. |
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By Wake Clinard on
9/15/2009 8:50 AM
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North Carolina used car dealers insurance starts with the garage insurance policy. Many new start ups find their way to an agent who is able to help them set up their garage policy and the begin selling cars. And for many used car dealers, they just pay their renewal premiums each year without realizing that time is on their side. You see, because of a law in North Carolina that requires insurance companies to offer you a policy when you ask for a quote, there is a two tiered system of policies in North Carolina. If you haven’t checked lately, you might be in the high risk rate class and not even realize that you are paying too much for your garage liability dealers insurance policy.
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Renting A Car? Your NC Auto Insurance Policy Could Leave You With A Huge Bill |
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By Wake Clinard on
9/8/2009 9:42 AM
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North Carolina Auto Insurance Companies have some protection available for people who rent cars when they travel but even the broadest protections offered don’t protect you against all the losses you are signing up for when you sign your name on the rental contract. Here are three big risk scenarios that you need to be aware of before you sign the rental agreement.
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Used Car Dealers – Has Your Peak Season Been Left Out Of Your Garage Insurance Policy? |
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By Wake Clinard on
9/1/2009 7:56 AM
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In many retail businesses there is a peak season where inventory runs higher than the rest of the year. For most retail establishments, this ocurs the months leading up to the Christmas holiday shopping season. And most insurance policies for retail businesses have a way to account for this fluctuation in inventory. The dealer’s garage policy does not, but there is a way that used car dealers can protect themselves from this hidden monster without paying an arm and a leg to do it.
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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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