Month: January 2025

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

Posted on by AgentInsure

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.

Home Insurance for the Changing Needs and Demands of Your Home and Life

Posted on by AgentInsure

A home is more than just a structure made of wood, brick, studs, and beams. It’s a repository of memories, laughter, love, and history. It’s where people grow up, raise families, build careers, and establish their names. For such individuals, home insurance solutions are essential to adapt to life’s changes and the evolving needs of their homes. This is why homeowners in the beautiful area of Hope Mills, NC, trust the team at Linda Dugan Insurance for all their home insurance queries and requirements.

Adaptable Home Insurance Solutions

Remember the day you found out your family was expanding? Or the time you had to build an addition or renovate your basement to accommodate the growth? Conversely, there may have been times when your home felt too large, as your children left for school or embarked on their careers. With each change, the demands on your home insurance shifted. That’s why working with an agent who can help your coverage evolve with your life and home is beneficial.

Insurance Solutions for Homeowners in Hope Mills, NC

If you live in or near Hope Mills, NC, and have questions about home insurance, contact our experienced team at Cross Creek Insurance. We can provide the information you need and help you schedule an appointment to ensure your home is adequately protected. With Cross Creek Insurance, you’ll get the home insurance solutions you deserve.