If you are loaning out your car in Hope Hills, NC, you may think it’s no big deal. However, there are certain insurance aspects you should know about first.

Car insurance will cover the vehicle, not the individual driver, so if you lend your car to your friend and he or she gets into an accident, then your liability coverage pays for the damages. You are also responsible for filing the claim, paying the deductible, and suffering any rate hikes. The only exception is if you never gave permission to your friend. Express permission is important. If a friend takes your car without permission, then their insurance could be used first and yours second.

You should check to see if your friend is insured before handing over the keys. Your insurance is going to be the primary coverage if an accident occurs, but if your policy maxes out, your friend’s insurance could supplement and be the secondary coverage.

You should ask what your friend is planning to do with your car, because it could invalidate your insurance coverage. For example, if your friend is planning on driving with Uber or another ride sharing service while their car is in the shop, your policy likely won’t cover an accident because the car was being used for commercial purposes.

If you are going to be frequently lending out your car to a certain friend, it may be worth it to add them to your own policy. Adding new drivers can affect your rate, depending on their driving record. Those with bad records might hurt your rates, but a good driver could actually help. Speak with an agent at Cross Creek Insurance about adding new drivers to see how it affects your rates.

Contact an agent at Cross Creek Insurance serving Hope Hills, NC to get a quote on auto insurance.

Learning how to drive is an exciting rite of passage in our country, and the team at Cross Creek Insurance is here to help you ensure that your family has the coverage that you need to keep your family protected in the greater Hope Hills, NC area. While all insurance coverage is important, when you have a new driver in the family, it makes sense to take another look and make sure your policy is adequate.

Special Insurance Considerations for New and Teenage Drivers

Remember when you were starting out as a new driver? It can sometimes be difficult to remember the feelings of nervousness that can occur for new drivers. As you are looking for the appropriate car insurance policy for your teen, keep these points in mind:

• Roadside assistance coverage is always a great add-feature to have
• Fender benders and small dings and dents are a lot more common for new teen drivers than experienced adults
• Teenagers tend to travel in packs, and it is not unusual for your young driver to have several friends in the car, warranting the need for sufficient passenger coverage

Learning how to drive and mastering this important skill can be a nerve-wracking experience, both for the driver and for you as a parent. Knowing that you have the appropriate car insurance policy in place for your teen driver can help to increase your peace of mind and help you sleep better at night!

Are you looking for the right car insurance policy for your family’s new teenaged driver? Contact Cross Creek Insurance today to set up a consultation; we are proud to work with the many fine people in the greater Hope Hills, NC area!

Choosing the best auto insurance policy can sometimes be a tough mountain to climb. With so many options to consider, choosing the right policy can be stressful.

To ensure you’re making the right decisions when it comes to choosing an auto insurance policy, it’s important to understand what coverages are involved. If you’re in the market for a new policy, it’s very beneficial to understand the following coverages:

Liability

Liability involves the damage made to both the property and individuals involved in the accident. If you’re at fault for an accident and there are bodily or property damages, you’ll be covered by the amount you choose. 

Collision and Comprehensive

If you’re involved in an accident, collision coverage pays for the damage caused by the impact of another vehicle or object. Comprehensive coverage covers just about anything else that can happen to your vehicle, including falling objects, fire, theft, hail, flood damage, and more. 

Medical Payments

Medical payments coverage will pay for medical bills and funeral expenses caused by an accident. These costs can be extremely high so it’s beneficial to be protected with this important coverage option. 

Uninsured/Underinsured Motorists

This coverage is important when dealing with motorists that don’t have auto insurance or who are underinsured. With so many of these types of drivers out there, this coverage option is a great one to have. 

If you live in the Hope Hills, NC area and have questions about auto insurance, then Cross Creek Insurance is the company to call. We’re the experts when it comes to choosing the right auto insurance policy in Hope Hills, NC, and customer satisfaction is our number one priority. Contact Cross Creek Insurance today to learn more! 

 

 

When floods occur or simply leaks in your car from the rain, water damage can majorly damage the interior of your vehicle. If the flooding is severe enough, it can damage major components like the engine or battery. If you have a comprehensive car insurance plan, you may be covered for water damage. If you live in Hope Hills, NC, consult with Cross Creek Insurance to see if they have comprehensive plans to cover water damage.

Preventing Water Damage

Even though your comprehensive insurance plan may cover water damage to your car, you should still be diligent enough to take precautions to secure your vehicle. If you are too negligent, you may find yourself having your claim contested in some instances. Make sure that any sunroofs, windows, or doors are adequately sealed and it should be replaced periodically. Also get in the habit of rolling up your windows when you leave your car.

You should also keep in mind that many comprehensive plans don’t want to cover any external or unattached equipment in your vehicle. This may include things like sound equipment, GPS devices, or electronic equipment stored in the vehile. Plans may also require you to pay out of pocket before contributing to the cost of damages. There are also limits to comprehensive plans that cover water damage, so make sure that you take care of your vehicle to prevent grave damage.

Considering the natural disasters that may occur living near the ocean, it is a good idea to have an insurance plan that includes water damage. Consult with an agent at Cross Creek Insurance if you live in the Hope Hills, NC area. Coverage may vary depending on your type of vehicle, its age, and your current auto insurance plan.

 

Shopping for auto insurance can be stressful. This is especially true if you do not know much about auto insurance. That is why many people make mistakes when purchasing auto insurance. If you are looking for a better way, then you should consider reaching out to Cross Creek Insurance serving Hope Hills, NC for assistance. These are just a few ways that an insurance agent can help you.

• Explain your options. Auto insurance can be complicated. An insurance agent can take a look at all of your options and explain it to you so you can determine what you really need beyond state minimums if anything. 
• Find different rates. They can do all of the searching for you so you do not have to try to find rates. Since they will be doing the looking, you can tell them your budget and they can work from there. 
• Make some honest comparisons. Once they have found a few options for you, they can develop detailed comparisons of each of the policies so you can make an educated decision. They will detail everything you need to know about each option so you know exactly what differs and what is the same. 
• Help you design the perfect policy. At the end of the day, they can help you design the perfect policy for you. They will take into account your budget as well as your needs in terms of the policy to ensure that you have an ideal one available to you. 

If you do not want to do this on your own, then it is time to contact Cross Creek Insurance serving Hope Hills, NC. They can help you find a great auto insurance policy at a great rate.

You’ve allowed your friend to borrow your vehicle. Now, you’ve learned an accident occurred. Who will pay for the damage and what are your next steps? If you have the right type of auto insurance, you generally do not need to worry about the losses. There are limitations here, though. When you work with our agents at Cross Creek Insurance, we’ll help you ensure your vehicle has ample coverage to protect from any risks like these.

What To Expect

If you have collision insurance, that policy is likely to help cover the losses to your vehicle if another person is driving it. However, there are limits. If the individual routinely drives your vehicle, he or she should be listed on your policy to gain this protection. If they just borrowed it for the day, most policies will cover the vehicle.

If your friend was not responsible for the accident, but another driver was, that driver’s auto insurance liability coverage will likely cover the damage to your vehicle. It is best for you to request a copy of the police report right away to determine who is responsible for the accident. Then, work closely with your auto insurance agent to ensure the claims are filed properly.

Having the Right Auto Insurance Matters

Without the right type of auto insurance, your vehicle may be at risk. If you do not have collision insurance or enough liability coverage to protect your vehicle’s value, let the team at Cross Creek Insurance help you. We’re here to answer all of your questions. We serve residents in Hope Hills, NC and the surrounding area. Give our team a call today to discuss your current policy or to update to a policy that is better reflective of your specific needs.

 

 

Auto insurance is by definition a long-term need. You may wonder how you might get through your day-to-day schedule if you didn’t have your phone, nanny or industrial-size cup of coffee, but your car can be just as important when it comes to keeping the lifestyle you want. Cross Creek Insurance wants the people of Hope Hills, NC to understand why they may be overlooking one of the best resources available. 

Advice, Spending, and Decisions 

Your auto insurance should be the source of turning abstract concepts into real information that you understand. It’s not your job to learn the jargon of insurance, but it is your job to know how each situation affects you. You may have to spend more on your premium to ward off extra expenses that may mount up after an accident occurs. And it’s important to remember that these costs aren’t just going to be a problem if you cause the accident. If you’re involved in a hit-and-run or an uninsured motorist hits you, then you will still need a way to fix your car so you can get to work. Auto insurance should be a place for you to turn, so you can keep your money, your car and your health.

How We Help

Cross Creek Insurance operates on the basis of personal attention. When you feel comfortable calling us, you also feel comfortable getting the information you need to feel secure on the road. It means that if you do choose liability, you understand the terms of it, and have a means to deal with the hardships should they arise. If you live in Hope Hills, NC and are looking for a company you can trust, then give us a call today to see how we’re different.