Do I need to tell my auto insurance company if I move?

Many car owners in Hope Hills, NC are unaware or fail to take a keen interest in their auto insurance policy terms. Many car owners in this region have contacted us at Cross Creek Insurance to determine whether they need to inform their insurers when they move. Here’s what to know.

It will help if you inform your auto insurer when you move.

As the policyholder, you must inform your auto insurer when you move to another house in the same neighborhood, another neighborhood or city, or state. Failure to inform your auto insurer about your moving violates the terms of your auto insurance policy. The consequences of this violation could include:

  • Termination of your policy, which will leave your uninsured
  • Claim rejection of the insurer finds out that your claim is based on an incident that occurred after you moved without informing them.
  • The tarnishing of your insurance record by terminating your policy or rejecting your claim leads to higher premiums on your next auto insurance policy. The higher premiums will be because insurers view you as an untrustworthy policyholder and a greater risk to insure. 

Why should you inform your auto insurer when you move?

Your insurance company calculates your auto insurance premiums based on the risk level of your location. If you move from a house with a garage to one without in the same neighborhood, your risk level increases; thus, the auto insurer needs to charge you higher auto policy premiums for the increased risk. This is also the case when moving from one neighborhood or city to another. If you move to a safer house, neighborhood, or city, your risk level will be lower; thus, informing your auto insurer will enable you to enjoy lower premiums.

Contact Cross Creek Insurance for unrivaled auto insurance info and deals in Hope Hills, NC.

Do your auto insurance needs change once your car is paid off?

If you live in the greater Hope Hills, NC area and need an insurance agent you can rely on, it’s time to get to know the folks at Cross Creek Insurance. We have the experience and knowledge necessary to care for our client’s insurance needs. 

Have your auto insurance needs changed?

Paying off a vehicle is a cause for celebration, but it may also mean that your auto insurance needs have changed. Many people continue with the same insurance policy year after year without ever considering the fact that their insurance needs may have changed.

Once your car is paid off, you may need a different level of collision protection. And you will need to discuss with your agent how your vehicle replacement coverage may need to be adjusted. 

A few changes may need to be made once you own your car outright. Even if you are still financing the cost of your vehicle, there may still be changes that need to be made to an older policy. We recommend that our clients review their insurance policies at least once a year. 

Don’t let changes to your situation mean that you don’t have the insurance protection and coverage you need. Please take a close look at your auto policy to ensure that it provides the appropriate coverage you need and the right amount.

Give us a call today!

The team at Cross Creek Insurance is proud to be the team that the Hope Hills, NC community relies on for all of its insurance needs. If you want to learn more about the auto insurance policy options available in our area, call us today.

Types of Car Insurance

When you have to get car insurance, you may be confused by all of the different types of coverage. You may only want to get the state minimum amount of insurance, though it may be a better idea to get more than that. 

Here are some of the types of car insurance that you may want to look into. 

Liability insurance is basic car insurance. This covers any damage that you have caused to others. It pays for their medical bills, along with any property damage. 

Collision insurance covers the damage to your car if you are in an accident. It will pay the money to fix your car. If it is totaled, it will pay you the estimated value of the car so that you can get a new one. 

Uninsured or under insured insurance is good to have, in case you ever get in an accident with someone who doesn’t have enough insurance. It will take over once their insurance stops. If they don’t have any, it will pay all of the expenses. 

Comprehensive insurance pays for any damage that occurs to your car when it is parked. This may include things that happen due to the weather, such as flooding, storms, hail, and even fire. It will also cover theft and vandalism.

Personal Injury Protection (PIP for short) covers your own medical expenses if you are injured in an accident. It may even help with lost wages if you are unable to work. 

If you want to make sure that you have the best policy for you and your family, don’t hesitate to contact us today at Cross Creek Insurance in Hope Hills, NC. 

Why North Carolina Drivers Need Custom Parts And Accessories Coverage For Their Custom Vehicles

Cross Creek Insurance serves the Hope Hills, NC community. We offer our clients a wide range of policies to help meet their unique needs. We want to make sure that you are protected when an unexpected situation arises.

Why North Carolina Drivers Need Custom Parts And Accessories Coverage

As a Hope Hills, NC driver, you are expected to obtain auto insurance. There are a lot of variables at play while you are on the road. Auto insurance protects you if an unexpected incident occurs. It only takes a split second for you to collide with another vehicle. Collision coverage protects you in that situation. Comprehensive coverage protects you if your car is stolen or someone vandalizes it. Inclement weather frequently comes through North Carolina, and comprehensive coverage protects your vehicle if a tree falls on it or a flying object cracks your window. Liability coverage is also important. Liability coverage protects you if you’re responsible for someone getting hurt or your vehicle damages someone’s property. The policy also covers any injuries to a passenger in your vehicle.

There are special types of coverage you can add to your auto insurance policy. Custom parts and accessories coverage is an asset if you have made any upgrades to your vehicle. The most common custom accessories protected include special wheels, stereo systems, chrome, paint, and anti-theft devices. If your custom vehicle suffers damage, you are left unprotected if you don’t have custom parts and accessories coverage. Check the terms of your policy. You may need to have your custom vehicle appraised before moving forward.

Cross Creek Insurance Will Help You Protect Your Assets

Visit our website to learn more information about auto insurance.

What comes with auto coverage in North Carolina?

In the Hope Hills, NC area, owning a vehicle is a great way to get around the community. When you are looking to purchase a car, it continues to be very important that you fully assess your insurance needs. When you get an auto coverage plan, you will get a few types of coverage that will make it worth your investment.

Coverage Against Liability

Those that choose to drive a car need to realize that they regularly will be accepting and taking on the risk of liability. If they are at fault in an accident, it is likely that they will be held responsible for damages. As these can be significant damages, finding a way to reduce the impact of the risk is important. An auto insurance plan can help you do this as it will offer ideal liability coverage. 

Coverage for Vehicle

While having liability coverage is important, you also want to have protection for your vehicle. With a collision and comprehensive plan, you will know that you will always have the coverage in place that is needed to repair or replace your vehicle. This can provide to be very helpful if there is ever an accident or other situation that results in damage or another loss.

People in the Hope Hills, NC area will always need to have auto coverage when they are going to get a vehicle in this area. As this is a very important type of coverage to get, it would be a good idea to call Cross Creek Insurance to discuss your needs. There are a lot of choices that need to be made with this type of policy and Cross Creek Insurance can help. This will help ensure you remain properly covered at all times. 

What could happen if I do not carry auto insurance in North Carolina?

Those that are in the Hope Hills, NC area and own a car should get an auto insurance plan for it. This type of insurance is very helpful as it can offer some valuable protection. If you do not carry this insurance, you could face a few different challenging situations. 

Responsible for Damages

One of the reasons that you should get auto insurance is so you can have coverage if you are at fault when in an accident. Even if you are a careful and diligent driver, accidents do happen. If you are at fault, you will have to cover any damages. If you do not have this coverage in place at all times, you will have to pay to cover the damages out of your own personal savings. This can be difficult as total damages in even a minor accident can be expensive.

Violation of Agreements

If you do not have an auto insurance plan, you could also find yourself in violation of certain agreements. Having auto insurance is required by state law and typically required by auto loan providers. If you do not carry this coverage, you will be in violation of these agreements. This could lead to penalization, which can include being assessed a fine or being in default with your lender. 

If you do want to get an auto insurance plan, and you are in the Hope Hills, NC area, speaking with the team at Cross Creek Insurance is a great option. As you are building your insurance plan, Cross Creek Insurance will give you great guidance and support. This will help you build a plan that will protect you and your vehicle while also ensuring you stay in full compliance with your insurance requirements. 

What Do I Do After an Accident?

If you happen to get into a car accident, you might want to run. If you do this, you will likely create legal trouble for yourself, where there might have been none.  In Hope Hills, NC, just like it is countrywide, it’s a crime to flee the scene of an accident.

Here is what you should do after an accident stay on the right side of the law, make a successful insurance claim, and maybe even save lives. You will likely have an easier time getting your compensation after this whole process if you have your auto insurance policy under Cross Creek Insurance. 

Examine Yourself and the Accident Scene for Injuries

Though not all accidents result in serious injuries, it’s vital that you check yourself and the others involved in the accident for injuries. Call 911 immediately or ask someone to help you do so if you are seriously injured or notice someone with serious injuries. Make sure you switch off the engine and get to safety as you wait for emergency services. 

Exchange Information

Once you deal with the injuries and examine the damage to the vehicles, you can exchange information with the other driver. The information you exchange should include insurance information and contacts. According to Cross Creek Insurance, you should make sure that you get the license plate number, vehicle model, and driver’s license information of the other parties involved in the accident. 

As you do this, also take some time to document the accident. Identify the officers who responded to the scene and take pictures of the accident. It would also help to talk to witnesses and get their contact information. 

Get in Touch With Your Insurer

You must notify your insurer about the accident you are involved in as soon as possible. Call them while still at the scene to tell you what they need to fulfill your claim.

If you’ve any questions regarding auto insurance in Hope Hills, NC, do not hesitate to reach out to us for answers.

Common Misconceptions About Auto Insurance

Anyone who drives in Hope Hills, NC carries auto insurance, but not everyone who drives in Hope Hills, NC understands their policy. Here are some of the most common misconceptions about auto insurance:

  • A basic policy will cover you from theft. Actually, a legal-minimum policy doesn’t protect you from anything except liability. It’s only there to make sure that the other party’s losses are covered if you are found to be at fault in an accident. To cover your own car, you will need a more robust policy.
  • Your policy will cover your car no matter what you use it for. There are some major exceptions to your policy’s coverage. Obviously, you can’t take your Honda to the drift track unless you have clearance from your insurer, and business use is limited. Make sure to call your insurer and ask before doing anything you’re unsure of.

If you’re looking for a provider, or if you have any questions, get in touch with Cross Creek Insurance. When looking for an insurer, you need to find an agency that will help you to get a policy that matches your lifestyle, your needs, and your budget. And that is exactly what Cross Creek Insurance is here to help you do.

Should I get an auto insurance policy in Hope Hills?

Owning a car in the Hope Hills, NC area continues to be a necessity for many people that need to get around town. While a car can be fun to drive and keep you efficient, it is also a responsibility that needs to be properly cared for. A great way that you can do this is by getting insurance for it. There are several reasons to get auto insurance when you are here. 

Insurance Will Protect Investment

A good reason to get an auto insurance policy is that it will protect your investment. A car is a major purchase and something that people rely on. If you do not have an auto insurance policy and your car is stolen or damaged, you will have to pay to replace it or repair it. If you do not have the money to do so, you could be stuck without a car. With a full policy, you can mitigate this risk.

Insurance Gives Liability Coverage

You should also get an auto insurance policy as it will provide you with liability coverage. Driving a car always comes with risks. If you cause an accident, you will have to pay for the damages. With a full insurance policy, you will have protection against this risk. 

Anyone that is in the Hope Hills, NC area needs to spend time assessing their insurance needs. If you are looking for auto insurance here, you should also consider calling the team with Cross Creek Insurance. There are a lot of complexities that exist with picking auto insurance. The team with Cross Creek Insurance can give you the right guidance that will be needed to choose your next policy. This can help to ensure that you remain fully covered at all times. 

5 Tips to Stress-Free Driving during the Holidays

With the holidays right around the corner, you may be planning a road trip to visit your parents or in-laws. Holiday travels can be extremely stressful, especially if you’re spending a lot of time on the road. Whether you’re driving around North Carolina or out of state, these tips from Cross Creek Insurance can help you have smoother, stress-free travels.

Plan Ahead

Plan ahead for your trip. Mark your routes and choose your travel dates carefully to try to avoid congested highways. Give yourself plenty of time to arrive at your holiday spot safely.

Check Your Vehicle

Have your vehicle inspected before your trip to reduce your risk of car problems on the road. Schedule an inspection at least a week before traveling to give your mechanic in Hope Hills, NC time to make any necessary repairs.

Stop and Rest When Necessary

Take pit stops as often as necessary to rest your eyes and stretch, especially if you’re getting tired. Driving drowsy is a recipe for disaster, particularly when traveling long distances. If you’re traveling with kids, they will appreciate pit stops to release some of their pent up energy.   

Reduce Distractions

Put away your cell phone, tablet, or any other distractions that can take your mind off the road while driving. Don’t answer calls or texts when you’re on the road. Wait for a pit stop or pull over (if you can do so safely) to return calls or texts. Texting while driving is illegal in many states to include North Carolina, putting you at risk of getting fined.

Review Auto Insurance

Review your auto insurance to insure you have the necessary coverage for your travels. You don’t want to be caught unprepared in the event of an accident.

For quality auto coverage in Hope Hills, NC, contact Cross Creek Insurance.