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Frequently Asked Questions about Auto Insurance in North Carolina

If you have auto insurance, you may have questions about your policy. Glick Insurance in Greensboro, NC provides the following guide. 

Auto Insurance FAQs

What do I do after an auto accident, according to my auto insurance policy?

Contact the auto insurance company that is responsible for compensating you for any damage to your vehicle and other problems. Get the names and contact information of anyone who was involved in the auto accident and any witnesses. Give the authorities and insurance companies your time and cooperation until it is resolved. Get any papers that the insurance company or authorities need, such as medical records, for example.

I have only liability auto insurance. Does this type of insurance pay for any repairs and medical bills if I were to have an auto accident? 

No, because liability insurance pays for the repairs to the other party’s vehicle or vehicles and any medical problems if you are at fault for the auto accident. 

If a college student is on your policy and will be attending college in a different state, will they still have auto insurance? 

Yes, this insurance policy is still covering the college student and their vehicle. The rate may need to be adjusted based on the new state where they would live.

If my insurance company cancels my policy, are they required to tell me why they did it?

Yes, they would need to give you the reason for a cancellation.

If you enlist in the military and are stationed in a different state, would your insurance policy still give you auto insurance coverage?

Yes, and your insurance policy will automatically be changed to have the liability limits for the new state. You may need to buy a new policy when your insurance needs to be renewed, however. 

 

Contact Glick Insurance serving the greater Greensboro, NC community for expert advice on how your auto insurance policy works.

How Does Commercial Insurance Differ From Personal Insurance?

Commercial insurance protects your business against various commercial risks. You may have some commercial insurance needs similar to your personal insurance, such as homeowners’ or renters’. 

The insurance policies are tailored to suit the needs of businesses that operate in the marketplace. They are not one-size-fits-all policies, and they are quite different from personal insurance plans. If you live in Greensboro, NC, consult more from Glick Insurance. 

Commercial Insurance Versus Personal Insurance 

Commercial policies protect your business against financial loss due to unexpected events, just like personal insurance. However, commercial insurance is much more comprehensive, offering a range of benefits that most individuals won’t ever need. 

A commercial cover may take care of risks such as property damage, liability, workers’ compensation, etc. You may also consider purchasing cargo insurance if you ship and receive goods across state lines. Cargo insurance covers lost, stolen, damaged, or otherwise not received goods. 

In a nutshell, commercial insurance is designed to protect assets that are vital to a company’s business. Personal insurance protects individuals and their assets. As a company owner, you have crucial assets to your business. The assets can range from real estate to inventory to company computers. Commercial insurance can protect these assets from risk and financial loss if the unexpected happens. 

Give Us A Call

Commercial insurance policies secure your business from financial loss if an insured event occurs. For example, let’s say you run a contracting company and have a team on-site to make repairs to a client’s property. One of your workers accidentally drops a piece of heavy equipment on his foot, breaking his toes. 

In an accident, your personal insurance caters for the medical expenses. If the accident makes the team unable to work for some time, the client is compensated for the delay in repairs. This loss is covered by the contracting company’s commercial insurance policy. Reach out to us at Glick Insurance in Greensboro, NC, for professional help and advice.

What You Need To Know About Home Insurance

Buying a house is a very exciting time in life. There are many factors that need to be taken into consideration when you take this big step. Home insurance should definitely be a top priority. At Glick Insurance, serving Greensboro, NC, and the surrounding area, we can help you make the best insurance choices. Keep reading to learn more about home insurance. 

Is Home Insurance Required By Law?

Home insurance is not required by law everywhere. There may be some communities or regions that do require this, but in most cases, this is not a legal issue. However, most homes that are financed through a mortgage will be required to carry home insurance. This is for the protection of the investment the mortgage company has made. 

Even if you are not required by law or a mortgage company to carry insurance, it is still the single best way to protect your housing stability. 

What Does A Home Insurance Policy Cover?

When damage happens to your home, you will be responsible for repairs or the cost of replacing your home. For many families, this would be a devastating financial burden in the event that there was widespread damage to the home or in the event that the home was lost. 

Home insurance provides a layer of financial protection so that you know you will always be able to provide a home for you and your family. 

Home insurance will kick in if the home is lost or damaged. A claim can be filed if the damage is a result of a fire, wind, natural disasters, vandalism, or indoor flooding. 

You should know most policies do not cover naturally occurring flooding. 

If you would like to learn more about our services, please contact us at Glick Insurance serving Greensboro, NC, and the surrounding areas. 

Thorough Look At Auto Insurance Policies

Glick Insurance serves the Greensboro, NC community. We strive to help our clients find policies so that they can navigate life’s risks. We work with different carriers in the area, enabling us to provide flexible coverage options. We look forward to helping you obtain the coverage you need to protect what matters most.

Thorough Look At Auto Insurance Policies

Auto insurance helps keep you safe as you navigate tricky road conditions in Greensboro, NC and beyond. Operating a vehicle comes with unique risks. Auto insurance adds a layer of protection if something were to happen while you’re on the road. Collision coverage protects you if your vehicle is damaged through impact with another driver. If you accidentally lose control of your vehicle and hurt someone or cause property damage, liability coverage protects you. You can add uninsured motorist coverage to your policy. This type of coverage protects you if your vehicle is damaged due to impact with a driver who does not have insurance. If you are riding in your car with a passenger, liability coverage also covers their medical treatment if they are injured in an accident.

Comprehensive coverage protects your vehicle in unique situations. Perhaps you are a victim of theft. Maybe you are driving through a part of North Carolina prone to high winds and debris cracks your windshield or damages your mirror. These are common situations where comprehensive coverage protects your vehicle. If you use a personal vehicle to perform work-related tasks, you can add commercial auto insurance to cover any emergencies that may occur while you’re on the job. Adding emergency roadside assistance is also recommended. Emergency roadside assistance covers you if you need urgent towing service or help with a dead battery.

Glick Insurance Helps You Cover Your Assets

Contact us today to learn more information about auto insurance.  

Why commercial insurance is good for your home business

Having your own business comes with a certain amount of risk. What that risk is, depends on the type of business you have. Choosing an independent insurance agent who has the experience to be able to help you decide what types of commercial insurance will protect you best is vital to the health of your business. In Greensboro, NC, Glick Insurance has a team of experienced agents who are ready to offer you the advice you require.

Home-based businesses now make up half of all businesses in the United States. It rises to sixty percent when it comes to businesses that have no employees. It does make sense, it is much easier to try out your entrepreneurial skills when you don’t have to worry about paying rent and utilities for a business location. But when you run your business from home, you need to handle your insurance as if it really is a business, not just a hobby. 

Commercial property insurance is something you should think about. Your home insurance might cover a few very basic things related to your business in the event of a covered peril damaging your home business, but it is not going to give you the amount of coverage you should have to cover everything you need to stay in business. 

Commercial liability is also a must if you are going to have anyone come to your home to do business. Your home insurance will not cover clients, customers, or vendors who visit your home for business purposes. 

If you use your personal auto to transact business, you should consider commercial auto insurance. Most policies won’t pay for the business use of a private vehicle. Keeping your business and personal financial responsibilities separate is good for both your business and your personal life.

Contact Glick Insurance in Greensboro, NC for all your commercial insurance needs.

How Home Insurance Works

Home insurance is a valuable type of coverage that is needed by all homeowners. It provides a number of different types of protection for your home and what’s inside it. If you own a home and don’t yet have a home insurance policy, it’s important to get one as quickly as you can. Give us a call now at Glick Insurance in Greensboro, NC to find out more. 

Protect Your House

Home insurance offers protection for the house itself, and it pays for repairs that are needed after a serious incident damages or destroys your home. Houses are at risk from a number of calamities and disasters that can cause them expensive damage. If you didn’t have a home insurance policy when an incident happened to your house, you would have to come up with all of the repair or rebuilding funds on your own. Most homeowners could not afford to pay those bills after a major incident affected the house. When you have this coverage, that is taken care of. 

Protect Your Possessions

It isn’t just your house that gets protected with home insurance- it’s also everything inside it. Your possessions are also protected with a home insurance policy. This can help to pay for the items that are ruined or damaged during a covered incident. You may not initially think that your items are worth that much, but when you add them all together, it adds up to a significant amount. Replacing everything could be prohibitively expensive, so keep a home policy to cover everything. 

Get a Home Insurance Policy

If you are in need of home insurance, we can help. We can answer your questions and get you started with this important coverage that every homeowner should have. Give us a call today at Glick Insurance in Greensboro, NC.

What Does Standard Home Insurance Cover?

Your home is probably the most valuable investment and possession in life. Therefore, you want to make sure that is properly protected. One of the most effective ways to do it is to purchase home insurance. Even if you think that it is not a necessary expense, most mortgage lenders require homeowners to have it. If you are currently shopping for this type of insurance and want to know more about it, here is the information on what exactly home insurance covers:

What Is Covered By Standard Home Insurance?

Generally, most home insurance policies include the following coverages:

  • Dwelling. It covers damage to the building itself, as well as other attached structures, such as a porch for example. 
  • Other structures on the property. It could be a tool shed, fence, or any other structure that belongs to your property. 
  • Personal belongings. This coverage pays for the damage or replacement of your personal belongings. 
  • Additional living expenses. If your home is damaged and becomes uninhabitable, so you have to stay somewhere else for a while, this coverage will pay for your temporary dwelling, food, and gas. 
  • Liability. If you injure someone or damage their property through neglect or unintentionally, this coverage will pay for the expenses. 
  • Medical coverage. If a guest or visitor gets injured on your property, this coverage will pay for their medical bills, regardless of who is at fault. 

Glick Insurance – Your Safety Is Our Priority 

If you live in Greensboro, NC or any other town in North Carolina, South Carolina, or West Virginia and need home insurance to protect your home, Glick Insurance is ready to help. We are dedicated to providing all types of insurance to our clients in Greensboro, NC and other nearby areas, including home insurance. Feel free to visit our website or give us a call if you need any assistance or more information. 

Does Auto Insurance Cover Theft?

Do you have a car? If you do, then you may have to pay for auto insurance.

Auto Insurance: What Is It?

Auto insurance protects against liability and damage costs incurred due to an accident or other incident with someone else’s vehicle (or property). This coverage typically includes bodily injury to others involved in the accident as well as damage done by your vehicle, such as collision repair, medical payments or hospital bills, and property damage. It is important to note that bodily injury liability can include any amount of medical bills incurred during the accident, regardless of who is at fault (up to the limit of your coverage). Auto insurance thus serves as protection in case you cause an accident and must pay damages, or in case you are sued because someone else caused an incident through negligent behavior.

What About Theft?

If you have comprehensive coverage, it can cover theft of your vehicle or damage done to it. Comprehensive coverage is also known as "other than collision" (OTC) and does not require a claim against someone else’s car to be valid. That means you’re covered if your car was broken into, vandalized, or stolen with no fault on your part. When you purchase a policy, be sure to read the fine print to determine exactly what you are and aren’t covered for.

What Happens If You Don’t Have Auto Insurance?

Driving without insurance is illegal in most states. It can lead to ticket fines or more severe legal penalties. Also, if you are involved in an accident and don’t have auto insurance, it’s possible that the other party can sue you for damages. Depending on what coverage your state requires and the severity of the accident, you might end up paying a lot for damage to someone else’s property or injuring them with no insurance to cover it.

If you are looking to purchase an auto insurance policy, it’s also a good idea to have adequate comprehensive coverage as well. You can contact Glick Insurance with further questions regarding obtaining this type of coverage. Glick Insurance has helped many Greensboro, NC, residents get the proper insurance they need.

What commercial insurance is required in North Carolina?

Owning a business of any size comes with risks. Some risks are common to almost any business, others are particular to certain types of business. Having an independent insurance agent who takes the time to understand what risk your business faces is important. At Glick Insurance in Greensboro, NC, we take pride in providing our clients with the finest possible customer service. We understand commercial insurance and we will make suggestions about the right insurance for your business. 

Commercial auto insurance

Your business needs to cover any vehicles it owns with commercial auto insurance. The required amount is 30/60/25. That is $30,000 for the first injury in an accident with a total for any single accident of $60,000. Property damage is covered by up to $25,000. 

Workers compensation insurance 

Workers compensation is required for employers with 3 or more employees. Nearly 100,000 non-fatal work injuries are reported every year in North Carolina. Workers’ compensation insurance protects both employers and employees. 

While these are the mandated commercial insurance, your business can benefit from some that are not required, 

Commercial property insurance

You can’t operate your business if you lose the things you need to do business, including your location. Property insurance covers all the things you need, like machinery, office equipment, inventory, raw materials, in addition to the physical building. 

Commercial liability insurance

Businesses are vulnerable to being sued. Small businesses are particularly vulnerable, with as many as 50% getting sued in any given year. Commercial liability insurance can help your business weather legal action against it. 

Business interruption insurance

When adversity hits, your business may not be able to operate. You still need income if you are going to survive. This insurance supplies the cash you need to pay your bills and make your payroll. 

Contact Glick Insurance in Greensboro, NC with your commercial insurance questions and needs. 

Home insurance FAQs

Home insurance is not required by the state of North Carolina but it is required by your lender. Even if it isn’t mandated, it is a good idea to protect your major investment. Home insurance isn’t just one type of insurance, it provides a variety of different protections. At Glick Insurance in Greensboro, NC, customer service is our first priority and making sure you get the right insurance at the right price.

Does home insurance cover my personal property?

Yes, contents coverage is included with home insurance. You have two options; replacement cost and actual cash value. With actual cash value, the age of your items is taken into account. With replacement cost, older items can be replaced at today’s prices. Your personal property is covered in your home but also away from home when you travel and have it with you. 

Does home insurance cover flooding?

No, flooding is not covered by home insurance. Flood insurance is available for purchase if you need it. 

If I get termite damage will my home insurance pay for the repairs?

No, home insurance does not pay for termite damage. As a homeowner, the insurance company expects that you will maintain your home. You are responsible for getting termite prevention treatment and it is considered negligent for you to have insect damage to your home. 

If my dog bites someone, will my home insurance pay for medical bills?

As long as your dog is not one of the restricted breeds, home insurance should cover a dog bite. Check to make sure the breed of dog you have is covered. 

If I drive into my garage door, is it covered under my home insurance or auto insurance?

Since a garage door is part of your home structure, it is covered by home insurance. 

Contact Glick Insurance in Greensboro, NC for all your home insurance needs. 

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