Auto Insurance

Will Auto Insurance Replace Your Tires?

Posted on by AgentInsure

Vehicle owners in Hope Mills, NC, often find themselves spending hundreds on new tires. You may need them due to vandalism or normal wear and tear. There are several situations where your auto insurance policy may be able to assist. 

Type of Policy

Whether your insurance will cover a new set of tires typically depends on the type of policy you have. Liability insurance only covers damage to another person’s property if the accident is your fault. Other policies, such as collision and comprehensive, may help if a covered peril occurs. 

Covered Perils

Insurance policies will pay for damage if it’s due to a covered incident. Commonly covered perils include, but are not limited to: 

  • Vandalism
  • Certain natural disasters
  • Accidents

These vary depending on your policy and insurance company. An agent at Cross Creek Insurance can help you learn what events your policy covers. 

Common Exclusions

Many policies also have specific exclusions. For example, auto insurance will not cover everyday wear and tear. If you need a new set of tires because they’re old and worn out from driving, you are responsible for the cost. Policies also don’t cover events that aren’t covered by your current policy. For example, if you are found at fault for an accident, but only have liability insurance, your policy won’t cover any damage to your vehicle. 

Some policies also specifically exclude theft and vandalism. This can depend on where you live. The best way to determine whether your policy will cover new tires is to contact an agent at Cross Creek Insurance. We’re currently serving the Hope Mills, NC, area. We are happy to answer any questions you have. 

How To Create and Keep a Home Inventory

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Owning a home is the fulfillment of the American dream. It’s probably the biggest investment you will ever make in your life. Hope Mills, NC, is a great community, but even in the nicest places, bad things can happen. At Cross Creek Insurance, we want to make sure your investment is safe and you have the home insurance you need. 

Making a Home Inventory

You can easily make a home inventory with a mobile app. This will allow you to document each room with pictures, supplemented by any receipts you have. The more detail you add, the better. Include the brand, serial numbers, and model number for electronics. Open every drawer, in every room, and count everything in them. Go through closets and record all major furniture and decor. 

Go up to the attic if you have one, and remember to include your holiday decorations. Head down to the basement and then to the garage. You have no idea the extent of any damage that your home may sustain. It’s better to overdocument than underdocument. 

Storing Your Home Inventory

Your home inventory needs to be stored in a safe place. If you have a digital home inventory, store it in the cloud so you’ll be able to access it from anywhere. But if you have a physical home inventory, you’ll need to use a safe deposit box or another secure location outside of your home. 

Cross Creek Insurance, serving Hope Mills, NC, is your local independent insurance agency. That means we can offer you more choices when it comes to your home insurance. Call us, and let us help you with your home inventory or any other home insuracne needs. 

How Tire Maintenance Plays a Role in Protecting Your Car

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When people think about protecting their car, they often focus on getting good insurance or parking in safe places. However, one of the most overlooked ways to keep your car safe is through something simple: tire maintenance. At Cross Creek Insurance in Hope Mills, NC, we remind our clients that taking care of their tires isn’t just about performance. It’s a key part of keeping your vehicle protected.

Tires Do More Than Keep You Moving

Your tires are the only part of your car that touches the road, making them critical to how your car handles, brakes, and responds in various weather conditions. If your tires are worn out or underinflated, your risk of getting into an accident increases. While your insurance may help cover damages, it’s always better to prevent accidents in the first place.

Regularly checking your tire pressure, rotating your tires, and replacing them when the tread is too low can make a significant difference. These simple steps improve your car’s grip on the road, especially during rain or sudden stops. Tire maintenance is about avoiding situations that could lead to a claim or, worse, an injury.

Insurance and Maintenance Go Hand in Hand

Auto insurance is there to help when something goes wrong, but staying on top of basic maintenance like tire care is one of the best ways to reduce risk and protect your investment. At Cross Creek Insurance in Hope Mills, NC, we’re here to help you stay protected from every angle. If you want to ensure your coverage aligns with your commitment to safety, give us a call today.

Handling Auto Insurance Policy After Moving to Another State

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Moving to a new state comes with a long to-do list, and updating your auto insurance should be right near the top. If you’ve recently relocated to North Carolina or are planning to move from North Carolina elsewhere, it’s important to know how a move can impact your existing policy and what steps you’ll need to take with the help of Cross Creek Insurance, serving Hope Mills, NC.

Why You Can’t Just Keep Your Old Policy

Auto insurance is regulated at the state level, meaning every state has its own minimum coverage requirements, liability rules, and insurance laws. A policy written for one state usually doesn’t automatically meet the requirements of another. For example, the liability minimums in North Carolina might differ significantly from those in your old state. Your insurer will likely need to revise your policy to comply with local laws.

Let Your Insurance Company Know Right Away

As soon as you have your new address, contact your insurance agent. They’ll help determine if your current company operates in your new state. If they do, they can adjust your existing policy to match local rules. If not, they’ll usually help you transition to a partner provider or recommend an insurer licensed in your new area.

Don’t Overlook Registration and Deadlines

Most states require you to update your vehicle registration and driver’s license within a set period, often 30 to 60 days. To register your car, you’ll typically need proof of in-state insurance that meets local standards. Delaying could result in penalties, fines, or even a lapse in coverage.

Moving already brings enough stress. By consulting with your insurance agent at Cross Creek Insurance, serving Hope Mills, NC, early on, you’ll ensure your coverage is seamless, compliant, and tailored to your new home, allowing you to focus on settling in. Contact us today.

Does Auto Insurance Cover Accidents Caused by AI Assistance?

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In recent years, artificial intelligence (AI) driving features have become increasingly prevalent in vehicles driven in Hope Mills, NC. One of the most common features is semi-autonomous driving, which allows drivers to take their hands off the wheel on certain designated highways. Manufacturers like Ford, Volvo, and others have included such features in their higher-end models. Cross Creek Insurance can help you understand the coverage implications for accidents involving AI driving technology.

Who is Liable for an AI Accident?

Fully or partially autonomous vehicles have been involved in high-profile accidents across the United States. However, legal experts indicate that the liability in these incidents is unclear. Typically, the driver of a vehicle that causes an accident is deemed liable due to negligence. When a car accident occurs due to human error, the liability portion of your policy will cover damages. But if the vehicle was in autonomous or semi-autonomous mode, the driver may not be negligent. This situation could shift the responsibility for the accident to the vehicle’s manufacturer.

How AI Cars Will Impact Insurance

Currently, the liability portion of your auto insurance policy will pay for damages incurred in an accident involving a semi-autonomous or autonomous vehicle. This scenario could change as more accident claims pass through the courts and insurance companies. Cars with AI driving technology may eventually require specialized policies or product liability clauses that cover damages from AI mishaps. When this happens, you may see a corresponding decrease in comprehensive coverage. In the meantime, ensure you have sufficient liability coverage for your vehicle if it has AI technology.

Cross Creek Insurance, serving drivers and residents of Hope Mills, NC, can help find an auto insurance policy that fits your needs. Call our office today to schedule your appointment.

Accidents Happen: Auto Insurance can Help

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There are basically two types of people in the world: the insured and the uninsured. While this isn’t exactly like the have and have-nots that the world so callously speaks of, it is a distinction that could be the difference between being in the have or have-not classification. While those distinctions aren’t likely reasons why people from in and around the Hope Mills, NC area choose to work with the friendly and professional team at Cross Creek Insurance, the protection that insurance provides is why so many turn to the Cross Creek Insurance team for all their auto insurance needs.

Accidents Happen: Auto Insurance Can Help

None of us ever expect to get into an accident, but that doesn’t mean that we won’t or can’t. The truth is, accidents are going to happen, regardless of how good a driver you may or may not be. The good news is that when accidents do happen, insurance can help. That’s why working with experienced and knowledgeable agents who can help you get the right auto insurance for you and your vehicle is important. No, none of us ever plan on being involved in an accident, but everyone should be prepared with the right auto insurance solutions.

Auto Insurance Solutions for Drivers in Hope Mills, NC

We can assist if you drive in or around the greater Hope Mills area and have questions or would like to learn more about auto insurance for you and your vehicle. Contact us to learn more and schedule an appointment with our friendly and proven team for the auto insurance solutions you need at Cross Creek Insurance today.

Will My Auto Insurance Pay to Repair My Vehicle if I Am At Fault?

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Car insurance is a legal requirement in most states. While some policies cover the cost of repairs to your vehicle after an accident, not all do. If you’ve recently been involved in an accident and have car insurance, it’s crucial to understand who is responsible for repairing or replacing your vehicle.

Understanding Car Insurance with Cross Creek Insurance

At Cross Creek Insurance, we provide car insurance to those who need it in Hope Mills, NC. We’re here to answer your questions and help you understand your coverage. Here’s what you need to know.

Who Covers the Repair Costs If You’re At Fault?

If you’re at fault in a collision and have liability-only car insurance, you’ll be responsible for repairing or replacing your vehicle. This type of insurance only covers the cost of repairs or replacement for the other driver’s vehicle.

However, if you have full coverage car insurance, you won’t be responsible for these costs. Your insurance will cover the repair or replacement of your vehicle, even if you caused the accident.

The Benefits of Full Coverage Car Insurance

Full-coverage car insurance combines several types of insurance. It covers your vehicle after an accident and a range of non-collision events. For instance, it will pay to replace your vehicle if it’s stolen or totaled in a fire.

Who Should Consider Full Coverage Car Insurance?

Full coverage car insurance may be beneficial if you have a brand new or high-value vehicle. If you have an auto loan, you may even be required to have this type of insurance. The professionals at Cross Creek Insurance in Hope Mills, NC, can help you understand your options. Contact us today.

Should I Get Liability Only Auto Insurance? Or Full Coverage?

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When buying a vehicle, you may consider getting liability only insurance or full coverage auto insurance. These two types of coverage are very different! The agents at Cross Creek Insurance, servicing Hope Mills, NC, can help you decide which type is best for you. With all the options laid out for you by a knowledgeable insurance agent, you can make the best decision for your needs.

Understanding Liability Only Coverage and Full Coverage

Liability only car insurance is a type of insurance that will only pay to repair or replace the other driver’s vehicle if you cause a collision. This type of insurance will not repair your vehicle, nor will this type of insurance help if your vehicle is stolen. Liability only coverage is usually the lowest cost option for drivers, and is the bare minimum amount of insurance required by law. If you do not get a loan to buy your vehicle, liability only auto insurance is an affordable option.

On the other hand, full-coverage auto insurance combines many insurance types that provides protection in a range of covered events. If your car is damaged in a collision, full coverage auto can pay to repair or replace it. If your vehicle is stolen, full coverage auto can replace it. If a fire damages your car, a full coverage auto can repair it. If your car damages another vehicle in a collision where you are at fault, this insurance will pay to repair or replace it. This type of insurance may be required if you get an auto loan to buy your vehicle.

Which Type of Insurance Should I Get?

Are you not sure which type of insurance is right for you? Call Cross Creek Insurance, servicing Hope Mills, NC. We’re here to help!

Automotive Insurance – Family Plans and Coverage Considerations

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If your teenager has recently received their driver’s permit, it may be time to upgrade your automotive insurance policy. Consider the following points as you prepare to transition to a family plan.

Family Insurance Plan

A family insurance plan is essentially a group policy. Every individual listed on the policy will have coverage. This type of plan will spell out which family member is assigned to drive each vehicle listed in the policy.

Insurance Coverage Type

Before adding your teen to your policy, take the time to research the various types of coverage available. Liability protection will come in handy if your teen causes an accident—it covers the cost of repairs for any vehicle your teenager damages while driving. It also protects any property that may be damaged due to your teen’s driving.

A more comprehensive insurance policy may cover the cost of repairing or replacing your teen’s car.

Personal Details

Your teenager’s age, driving experience, and skill level could influence the type of insurance coverage you’ll need. The extent of your teenager’s driving could also affect the level of coverage you decide to get.

Driving Incentives

Some insurance companies offer rewards to those who maintain a clean driving record. Driving safely and adhering to traffic laws helps to avoid insurance claims. Make sure to check out these types of incentives before deciding to upgrade your existing insurance policy.

Driving Modifications

If anyone in your family is changing their driving habits, this should be documented and reported to your insurance company. Any significant alterations to a driving schedule might also require a modification to your family insurance plan.

Agent Assistance

Get in touch with one of our agents serving Hope Mills, NC. An agent representing Cross Creek Insurance will help you customize your family automotive insurance policy to meet your specific needs.

What is the “Two Second Rule” and Why Will it Keep You Safe?

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Car owners in North Carolina are required to have auto insurance to drive legally. If you live near Hope Hills, NC, and need auto insurance, you can find the policy you need at Cross Creek Insurance. We have been serving clients in this area since 1997.

Safe driving guidelines should always be on your mind. Being able to stop safely is an essential element of safe driving, and a safe following distance can help you be sure you can stop when you need to. In the past, a safe driving distance was considered one car length per ten miles per hour. However, this rule has proved challenging, as car lengths vary.

The “Two Second Rule”

According to the Southeastern Driver Training Center, a North Carolina DMV requires a two-second following distance. To measure that distance, it is suggested you pick out a stationary object, like a traffic sign, and watch as the car ahead of you passes that object. As soon as they pass that object, you should begin counting, “one thousand one, one thousand two, etc.” When you reach your selected object, the number you have counted will be the number of seconds of your distance.

Other than North Carolina, many states now recommend at least three seconds’ distance. Some driving conditions, such as heavy snow, driving rain, or fog, will require additional distance for safety.

Call Us for an Appointment Today

If you drive safely, you should also ensure your auto insurance policy is the right one for you. Auto drivers in the Hope Hills area are encouraged to talk to one of our experienced agents at Cross Creek Insurance. Call us for an appointment today, and we will ensure you have the auto insurance you need.