When you first get your car insurance policy set up in Matthews, NC, you may have a variety of feelings about it. You might wonder how to budget the expense into the rest of your necessities, or you may be annoyed that you have to take the time for the practical before you can get to the fun of driving. You may even hate the idea of considering all the bad things that can happen to your baby. But one of the worst feelings is later finding out your friend is paying a very different rate from you. JC Demo Insurance Group wants you to know why this happens. 

Insurance Is Specific 

States and cities differ depending on the amount of people, amount of accidents and crime rates. So if you’re more likely to have your car stolen then your rate will be higher than your friends. It also has everything to do with how safe you are on the road, so if your friend not only has no accidents or tickets but also tends to drive rarely and then only to their children’s school for drop-offs, then it’s easier to see why they’re paying less than you. Practically everything you do or don’t do is tied in with your rates, so if you want a lower rate, then you may want to pick a safer and more practical car, or stop trying to see how high over the speed limit you can go before you get pulled over. 

JC Demo Insurance Group 

We serve Matthews, NC and we’re here to talk you through how you can optimize your insurance rate. Call us if you’re looking for a new quote or want to know how different choices will affect your premium rate. 

Car accidents are unexpected and frightening. Regardless of how careful and cautious a driver you are, you can still be involved in an auto accident. JC Demo Insurance Group is here for you, and will help you through this tough time by providing peace of mind. Read on for three things you must do after you have been involved in an auto accident.

1. Be Prepared

Accidents can’t be predicted, so one of the best things that you can do is to be as prepared as possible. You need at least one set of cones and emergency warning triangles to help to notify traffic and to alert authorities to where the accident occurred.

2. Assess the Situation

Try to remain calm after an accident. If you are alert and able to move, check yourself and your passengers for injuries. If you are unsure if someone is hurt, then you should call an ambulance. Minor accidents can be moved to one side of the road where they are not blocking traffic. Your vehicle’s hazard lights should remain on at all times.

3. For the Record

You need to notify your insurance agent immediately. Whether you feel the accident was your fault or not, do not mention or accept fault at the scene of the accident. Police officers will ask you to account for the damages and ask for specifics regarding the wreck. Do not sign any documents from the other party involved in the wreck. Take as many notes as possible, including damages to all vehicles involved in the wreck, information for all drivers involved, and witness information.

The state of North Carolina requires all drivers to have insurance coverage that is equal to the state’s minimum coverage law. JC Insurance Demo group is ready to help you get the coverage you need. Shop online today to get started.
 

In virtually every state, auto insurance is necessary to fend off criminal fines. Repeated offenses may lead to the loss of ones driver’s license and eventually a jail sentence.  For most, a vehicle is the second-most-expensive purchase they will make in their lifetime, next to purchasing a house. Cars are not just essential because they’re expensive, but also because of the service that they provide.

Auto insurance is the easiest way to protect this important investment. An important role that auto insurance plays, is providing money for medical costs to people who are injured in accidents that are the your fault. This includes any injuries you may have suffered as well. There’s nothing to in place to stop someone from suing you after an accident even if the opposing driver is in the wrong. However, car insurance gives you a slight pause between legal claims and your wallet. 

Auto insurance can also play a vital role if your vehicle has been stolen or damaged. That’s one of the reasons insurance companies offer a break on insurance if a policyholder consistently parks their car off the street and in a  garage, where the instances of theft and vandalism are much less likely. Because auto insurance helps in so useful, not having insurance can lead to some detrimental times just hoping against any bad news. 

These needs for auto insurance apply to all states in the U.S. And in some areas like Matthews NC, finding the right auto insurance can be difficult.  However, the solution is in JC Demo Insurance Group. A company that handles every customer professionally and according to need. If you live in Matthews NC, Don’t lose the peace of mind you deserve, call JC Demo Insurance Group today.

For many small business owners, it can seem as if commercial vehicle insurance is an expense they can skip.  Many people simply assume that their personal auto insurance policy will cover them if they’re ever in an accident.  Unfortunately, too many business owners find out too late that this is rarely the case.  

Call an agent today if any of the following situations apply to you or your business.

1. Your business owns a vehicle.  If the title for a vehicle is held by your business (as opposed to being held by you personally), then you need to have commercial auto insurance.  Many personal auto insurance policies have restrictions that state the policy holder will not be covered in a company-owned vehicle.  Keep this in mind if you transfer the title of your personal car to your business.
2. You use your vehicle for business more than 20% of the time.  Using your personal vehicle for business on a regular basis could void parts of your auto insurance coverage.  To make up for it, a commercial insurance policy needs to be purchased.  It will provide coverage only when the vehicle is being used for business.
3. You store business items in your personal vehicle.  If you don’t have a rider on your personal auto insurance policy that covers business property, then you need to buy a commercial insurance policy to protect things such as inventory, equipment, and computers.  If these items are stolen or damaged in your vehicle, a commercial auto insurance policy could pay to repair or replace them.

If these situations apply to you or your business, call the insurance agents at JC Demo Insurance Group.

Fraudulent car insurance claims start with an individual trying to obtain money by staging an accident. These incidences can increase your insurance rates, add blemishes to your driving record, and cause you to lose lots of money. Before shelling out thousands of dollars to a criminal, you should know how to recognize fender bender fraud and be prepared if it happens to you.

The Swoop and Squat

In busy traffic, at a traffic signal, or at an onramp, a driver will swoop in front of you and then stop. Rear-ending someone is usually that person’s fault even if the other driver did the wrong thing. You should look out for people who want to squeeze between you and the car in front of you. It is safer to just let them in and slow down.

The Phantom Victim

You are in a car accident and someone that was not in the accident files a claim with your insurance company. That person claims that they were a passenger in one of the vehicles that was hit. They also say they have injuries that need financial retribution. To avoid this, you should gather the names of all of the passengers in each vehicle, if possible.

The Sideswipe

You are in the inner lane of a two-lane left turn. You slightly drift into the far lane as you turn and the outside lane driver hits you on purpose. They can claim that you were at fault because you were not in your lane. Be vigilant and avoid drivers who are speeding in the turning lanes.

JC Demo Insurance Group understands the damage a fraudulent insurance claim can have on innocent victims. If you suspect you are the target of a staged accident, the agents at JC Demo Insurance Group can offer advice and answer questions. They can also search for policy quotes for new insurance coverage and existing policyholders.

Many people claim that it is necessary to run premium gas through your car at all times to protect the engine and to make sure it is performing at peak efficiency. That being said, premium gas normally runs at least ten cents higher in price than regular unleaded gasoline and many simply cannot afford that price raise. So what is the actual difference in these grades of gasoline, the answer is simpler than you might imagine.

The main difference between each grade of gasoline is the temperature at which the gas combusts to make your car run. Lower grade gas burns at a lower temperature meaning that it is likely to leave more residue in your engine which may end up making your car run worse over time. The higher the grade gasoline the higher temperature that it runs which means that it is going to burn cleaner and leave less residue behind.

Now this difference may or may not affect the performance of your car. Overall, using lower grade gas is not going to make a brand new car run like it is twenty years old. Over time lower grade gas may cause build up in your engine but with a great gas cleaner that is run through the gas lines every so often you can clean up this residue and get your car back to tip top shape.

Some engines do run better with a higher grade gasoline in them which means that it may be beneficial to use a higher grade gasoline. If you feel that your car needs premium gas by all means use premium but do not think that regular gas is going to ruin your car. Another important factor when driving is your insurance coverage. JC Demo Insurance Group can help you get the right coverage for you every time.