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Category Archives: Automobile Insurance
What is subrogation and how does it apply to me?
If you experienced an injury due to an accident, you have probably encountered a bevy of legal and insurance terms that you have had to learn about. One of these is subrogation.…
Auto loans can haunt you even after the vehicle is totaled
It is a regular occurrence: two cars collide in a Charlotte intersection. Though there are no injuries, damage to one of the vehicles is significant and that driver’s insurance company later declares…
What to do after an accident with an uninsured driver
Though we all do our best to drive safely, accidents can occur even when you were driving carefully. When this happens, most advice instructs you to exchange insurance information with the other…
What is a “Wrongful Death” Action?
When someone tragically dies in an automobile accident or as the result of the negligence of someone else, it may give rise to what is known as a “wrongful death action.” There…
Other Types of Automobile Insurance Coverage in NC
In previous blog posts we discussed the different types of automobile insurance available in North Carolina. The coverages below may be purchased in addition to your basic automobile coverage. You will be…
Danger in the Trees
One of the most beautiful sights in our southern cities are the awe inspiring large trees that line many of our streets. Yet, these majestic beauties mask a hidden danger. As leaves…
What type of automobile insurance should I have in NC?
Most of us just pay our automobile insurance premium without completely understanding what coverage we have and what coverage we should have. In this and the upcoming series of blogs we want…
Collision and Comprehensive Automobile Insurance Coverage in NC
When your car is damaged in an accident, it is possible that the person who caused the accident may not have enough coverage to repair or replace your vehicle. If you have…
Uninsured and Underinsurance Automobile Coverage
Uninsured Coverage First, you need to understand the difference in these two types of coverages. Uninsured coverage (abbreviated as UM on your declarations page) is for situations where the person who caused…
Medical Payments (Medpay) Coverage in your Automobile Insurance Policy
Medical Payments Coverage (Medpay) is included in most automobile insurance policies but few people even know it is there or what it is. Medpay is an optional coverage, but because it is…
What type of automobile insurance should I have in NC? (Part II)
Last time we discussed liability limits for your automobile insurance coverage and the danger of not having enough coverage. In Part II we are going to discuss other ways to protect your…
Is your insurance company acting in bad faith?
For those who have just experienced their first motor vehicle accident, they might be shocked to realize just how much red tape and administrative work is involved in receiving compensation – not…
Make sure that your automobile insurance policy has underinsurance coverage in the event of an automobile accident.
Did you know that in North Carolina, a person is only required to have $30,000 in automobile liability insurance coverage? With the rising cost of health care and mandatory diagnostic medical procedures,…
Handling Auto Accidents & Insurance Companies
If you have had the unfortunate experience of being in an automobile accident, you have likely also suffered the uncomfortable and painstaking task of dealing with an insurance company. And depending on…
Insurance Information for Tornado Victims
From the deep south, through the midwest, and even into the Carolinas, recent bad weather has spawned multiple deadly tornadoes. While we grieve for the lives lost, many are faced with the…
The Importance of Knowing Your Automobile Insurance Coverages
In North Carolina there are basically six types of typical automobile insurance coverage. (1) there is liability coverage which pays others that you might hurt with your car. Currently, the minimum limits…
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