Month: June 2024

Do You Need to Call The Police Following a Fender Bender?

Posted on by AgentInsure

If you are a driver in the Matthews, NC, area, you may have been asked, or perhaps have asked, if you need to call the police following a car accident. What if the incident is just a fender bender? JC Demo Insurance Groups believes informed drivers are better drivers, so here is what you should know about what North Carolina law says about reporting car accidents.

Car accidents involving a death or injury must be reported.

If you are involved in a vehicle accident that results in a death or injury, NC law requires it to be reported to police authorities.

If severe damage occurs.

You may also be required to call the police if severe or significant property damage results. This could include damage to vehicles or property, such as signage, fencing, etc.

If local laws require it.

Local municipalities may require a police report in an auto accident.

If your insurance provider requires it.

Some insurance carriers require a police report to file a claim.

What about fender benders?

North Carolina does not require minor fender-bender accidents to be reported to authorities. However, ensure any information exchanged is accurate and that photos document any damage. Without a police report or filing, recovering damage from another party or insurance company may be challenging.

When practical and possible, report an incident.

There may be times when traffic, workload, or the sheer volume of incidents make reporting problematic. However, if injuries, death, or serious damage occur, incidents should be reported.

Car insurance quotes from JC Demo Insurance Group.

Are you looking to lower your car insurance premiums? We may be able to help. In the Matthews, NC, area, contact JC Demo Insurance Group. We look forward to answering your questions and providing a price quote.

Top Mistakes Homeowners Make When Filing Insurance Claims

Posted on by AgentInsure

If you have to file a home insurance claim, it can be intimidating for homeowners around Matthews, NC, especially if the party experienced a horrific event. It’s essential to be aware of common mistakes they make when navigating the complexities of insurance claims and understand how to avoid them.

Underestimating the Damage

One of the most common mistakes homeowners make when filing insurance claims is underestimating the extent of the damage to their property. It’s crucial to thoroughly assess and document all damage before filing a claim to get everything you are entitled to regarding adequate compensation.

Delaying the Claim

Some homeowners make the mistake of delaying their insurance claims. It’s important to file a claim as soon as possible after damage occurs, as delaying the process will ultimately lead to problems and the denial of the claim.

Incomplete Documentation

Incomplete or inadequate documentation is another common mistake homeowners make when filing insurance claims. Thoroughly documenting all damage, including photographs, videos, and written descriptions, is crucial to supporting your claim and ensuring a smoother claims process.

Neglecting Regular Maintenance

Neglecting regular property maintenance can result in denied insurance claims. Homeowners should ensure routine maintenance tasks are carried out to prevent avoidable damage and maintain their home’s insurability.

Not Understanding Policy Coverage

Many homeowners make the mistake of not fully understanding the coverage provided by their insurance policy. It’s important to carefully review and understand your policy to ensure that you are adequately covered and aware of any limitations or exclusions.

JC Demo Insurance Group Helps Guide You

JC Demo Insurance Group will help guide you and show you how home insurance can save you money in the long haul. Our team covers the Matthews, NC, region. Contact us today.