Month: June 2022

Documents you should always carry in your vehicle

Posted on by AgentInsure

Driving is a privilege, not a right, and you need to follow the laws in your state, in this case, North Carolina, when you get into a vehicle to drive. At JC Demo Insurance Group in Matthews, NC, we have been helping residents find the right insurance products for over 20 years. As independent insurance agents, we work for our customers, not for the big insurance companies, and we strive to personalize your insurance experience. 

Driver’s license

You must have a driver’s license to drive in North Carolina. You should always have one on your person, which will place it in the vehicle when you are in the vehicle. If a police officer asks to see your license, ensure it is where you can quickly produce it if necessary. 

Registration

Your vehicle needs to be registered with the state to be on the road. You must also pay for your personal property vehicle tax, which you can do simultaneously to register your car. If you don’t register your vehicle, you will be breaking the law, and you will have to pay more for both the tax and the registration if you pay it late. If you are caught without registration, you could face a fine. You must also ensure your vehicle has a safety and emission test before registration. 

Insurance card

Your vehicle must have basic auto insurance to drive in North Carolina. When you get your policy renewal, it comes with insurance cards that must be kept in your vehicle at all times. If you lose one, you can usually print them out on the insurance company’s website. 

If you have all three documents in your vehicle, you are good to go. 

In Matthews, NC, contact JC Demo Insurance Group for all your auto insurance needs. 

What natural hazards does flood insurance cover?

Posted on by AgentInsure

It might sound like we just asked a trick question, but at JC Demo Insurance Group, our customers sometimes ask, “What natural hazards does flood insurance cover?” and that’s a great question.

Primary and Secondary Hazards

Floods don’t happen by themselves in Matthews, NC, or anywhere else. It’s considered a secondary hazard because something else has to occur for a flood to happen. A few examples include:

  • Thunderstorm
  • Hurricane
  • Extended Rain Storms

Flood insurance covers any rising water flood. That means the flood insurance policy covers the damage of storms or leaks causing the water to build up or rise.

Although they less frequently cause floods, snowmelt and hail can also cause or contribute to floods. In these situations, flood insurance provides coverage.

Man-made Hazards

Artificial hazards sometimes receive coverage, too. If a dam breaks or overtops and causes a flood, your flood insurance covers the damage to your property.

So, what doesn’t flood insurance cover?

Home Mechanical Issues Aren’t Covered.

If your pipes burst, your home insurance covers that type of flood. The same policy covers the washing machine or water heater flooding. Your flood insurance does not cover this type of flood.

If lightning strikes your home and fire destroys part of the roof, letting rain into the attic or living areas, your insurance also covers that. In most cases, that comes from your home insurance, though.

The great news is that regardless of what situation causes the flood, so long as you purchase your home insurance and add a flood policy, you will own insurance covering every possible flood type.

Contact Us

Contact JC Demo Insurance Group serving Matthews, NC for more information on flood insurance and how it can help protect your home from the inevitable.