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FAQ

General North Carolina Insurance FAQs

Q: What areas does Creative Insurance Solutions serve?

A: All of North Carolina, but more specifically Fuquay-Varina, Angier, Lillington, Coats, and all of Wake and Harnett Counties. Our office is located at 1321 N. Main Street, Fuquay-Varina, NC 27526, (919) 557-9085

Q: What types of questions will I have to answer when applying for an insurance policy?

A: Be prepared to answer the general questions like your name, age, gender, and address.
Other questions will also be asked in order to determine how likely you will make a claim.
For example, if you were applying for auto insurance, the agent would want to know a person’s prior driving history.
They would want to know if you have been insured before or have had any tickets.

Different programs are designed for different customers. Good driving records, age of applicant,type of car,and
number of miles driven are all taken into consideration.

Q: Are there any advantages to using an agent to when deciding to purchase insurance?

A: If you like personal service, then working with an agent is one of the best advantages. When you work with an agent from Creative Insurance Solutions, not only do you receive personal service, you also get the best rates we have a vailable for your particular insurance situation. We work for you!

North Carolina Auto Insurance FAQs

Q: Do I really need to purchase automobile insurance if my car is very old and not worth much?

A: Many states, including North Carolina, require you carry a minimum of liability insurance on your automobile.Why? Becuase if you were to get in an accident,victims wold receive compensation when their losses occurred because of the negligence of another.

If your car is older, the cost of repairs often exceeds your car’s value. That’s why you often the insurer will consider your car totaled and write you a check for the car’s market value, less the deductible of course. Because of this, many drivers of older vehicles decide to go with liability alone and not purchase physical damage.

Q: Please explain the  difference between Collision Physical Damage Coverage and Comprehensive Physical Damage Coverage?

A: Collision Physical Damage Coverage refers to the losses that occur when your vehicle collides with another vehicle or object.

Comprehensive Physical Damage Coverage provides coverage for most other direct physical damage losses that could happen to your vehicle, including theft and hail storm damage.

Q: What factors contribute to the cost of my auto insurance?

A: A number of factors contribute to the cost of your automobile insurance; some are within your control, while others are not.

Your driving record, make and model of your vehicle, and the purpose your vehicle serves can all affect the cost of insurance. Other factors are if your vehicle is garaged, the city you live in, and the miles you drive.

Believe it or not, even your marital status can be a determining factor. According to statistics,
married people tend to have fewer accidents than single people!

North Carolina Homeowner Insurance FAQs

Q: What I can do to lower the cost of my homeowner’s insurance?

A: The first thing you should do is get a comprehensive review form an agent at Creative Insurance Solutions. You’d be surprised in the differences you can find with different insurance carriers, and as an independent insurance agency, we shop to find you the best price for your homeowner’s needs.

We also look for applicable discounts, like if you have your automobile insurance through the same carrier, you may be entitled to a discount. Some carriers also offer discounts if you have a security system installed and deadbolts on your exterior doors.

A very easy way to lower the cost of your homeowner’s insurance is to raise your deductible.
Q: What does homeowners insurance cover?

A: Usually homeowners insurance covers to areas. Once area covers the actual property, and the other provides personal liability coverage for the insured. Most lenders require homeowners insurance to obtain a mortgage.

Q: What is the difference between and “replacement cost” and “actual cash value?”

A: “Replacement cost” refers to how much it would cost to actually go out and buy the item to replace it.
“Actual Cash Value” refers to how much the loss was worth, including depreciation and the inured would be reimbursed on that criteria.

Q: What should I look for when shopping for homeowners insurance in North Carolina?

A: Here’s a checklist you might find helpful when shopping for homeowner’s insurance.

1. Decide the amount of insurance coverage and type of coverage beforehand. It is important your coverage limit
should equal 100% of the replacement cost of your house If not, your insurance company will not have to reimburse the full value of your house if something were to happen and you would end up having to pay the rest out of your own pocket.

2.Decide which personal endorsements, if any, you want to add to your policy. For example: a jewelry policy might be something you would consider. Flood and earth quake insurance is usually not covered under a homeowners policy, so you might consider purchasing these endorsements.

3.Once you have decided what you would like in a homeowner’s policy, consult us at Creative Insurance Solutions. We’ll be able to help you find the best policy that fits your requirements and budget.

And don’t forget, we offer Renter’s Insurance, too.

North Carolina Life Insurance FAQs

Q: How much life insurance should an individual own?

A: The basic indicator for how much life insurance coverage you should own equals 6-8 times your annual earnings.

Other factors should be taken into consideration when deciding the amount of life insurance you wish to purchase:

* Marital status and spouses ability to earn
* Other sources of income
* The actual number of individuals that are financially dependent on you
* Any other benefits you have such as Social Security or Life Insurance provided by your employer.
* Special needs such as mortgage repayment.

Life insurance is not an easy calculation. Here at Creative Insurance Solutions, we would be happy to help you determine the right amount of coverage for your family. Call us for a better understanding of buying Life insurance for you spouse or children and the differences between cash value and term Life insurance.