North Carolina drivers are required to have auto insurance. At Cross Creek Insurance in Hope Hills, NC, we offer auto insurance policies. We keep you legal and help protect your assets. We believe it’s essential to understand your auto insurance options. 

Liability Auto Insurance

Liability auto insurance is required by North Carolina law. If you are at fault in an accident, liability coverage will cover the costs up to the coverage limit. 

Property damage liability covers damage to other drivers’ vehicles. Bodily injury liability covers physical injuries to other drivers and passengers. 

Liability coverage also includes uninsured motorist coverage. If you are not at fault in an accident, but the other driver has no insurance, this portion of the policy will cover damage to your vehicle and medical expenses you have up to the coverage limit. 

Comprehensive and Collision Coverage 

Comprehensive and collision coverage is also known as full coverage insurance. Collision coverage will pay to repair or replace your vehicle if the accident is your fault. 

Comprehensive coverage covers damage to your vehicle when it’s not in operation. This includes storm damage, vandalism, and theft.

This type of coverage isn’t required by law. However, if you have a lien on your vehicle, your lender will probably require you to have this coverage. 

Gap Coverage 

If you own a newer vehicle, you should also consider gap coverage. If you have a lien on your vehicle and it’s totaled, the car’s value may be less than your loan amount. 

Gap coverage will cover the difference, so you aren’t left with a loan balance. 

Auto Insurance at Cross Creek Insurance 

If you need auto insurance in Hope Hills, NC, contact us at Cross Creek Insurance. Our experienced agents will discuss your needs and help you select a great auto policy for your situation. 

It can be stressful for parents when their teenager is ready to drive. You want your teen to stay safe and make intelligent decisions, but you also need to factor in the cost of auto insurance. When should you add your teenager to your auto insurance policy? Do they need a learner’s permit or driver’s license first? Cross Creek Insurance is here to help.

When Should I Add My Teenager To My Auto Insurance Policy? 

Adding a teenager to an auto insurance policy can be tricky. In North Carolina, you are not required to add teen drivers until they have their driver’s licenses. However, it is usually recommended that you add them as soon as they have their learner’s permit to cover them if they get into an accident while practicing driving with supervision. Watching your teenager drive is stressful enough without worrying about how you’ll pay for anything that goes wrong.

What Are The Benefits Of Adding A Teenager To An Auto Insurance Policy Early? 

The main benefit of adding a teenager early is that it ensures that all drivers in the household are adequately insured and protected if an accident occurs. If you wait until after your teen has obtained their driver’s license and then add them, any accidents between the time of getting the license and being added will not be covered by your insurance policy—which could be very costly for you as the parent if an accident were to occur. For more information on adding teens to your Hope Hills, NC auto policy, contact Cross Creek Insurance today!

Are you a licensed driver in the Hope Hills, NC area? If you need auto insurance, see the professionals at Cross Creek Insurance for the coverage you need.

Why is auto insurance important?

It is mandatory in 48 out of 50 states. Without proper insurance coverage, you would have to pay the penalty and risk losing your driving privileges.

Accidents can damage other vehicles or property belonging to a third party. An insurance policy can pay for the expenses that would otherwise need to be paid out of pocket.

Besides property and vehicle damage, an accident can cause personal injuries, which can be severe. A policy can cover personal injury, so you do not have to pay for the care of an individual who has suffered injuries you are responsible for.

There is also extra coverage available called riders. Some include zero depreciation, engine coverage, and roadside assistance. They expand the scope and benefits of your policy.

If your car is totaled or stolen, insurance will pay for the expense of a new car. An auto insurance policy has an IDV, an insured declared value, which is the amount that the insurance company will pay in case of a theft or total loss.

Several policies also offer coverage if your car is damaged due to a weather event or fire. If you live in an area with uncertain weather, a policy of this type is a must for the safety of your vehicle.

Car insurance covers not only the damage to your car, property, or others involved but also any legal fees if the case goes to court.

Make sure you are driving within the law. The Cross Creek Insurance company, serving the Hope Hills, NC area, can provide the coverage you need. Contact our office today. You will be glad you did.

Thousands of people are expected to head out on a road trip this holiday season. If you are one of them, you may be excited to travel to see your friends and family for the holiday. However, before you hit the roads, the team at Cross Creek Insurance, providing auto insurance to the residents of Hope Hills, NC, has some tips to help you stay safe on your road trip. 

Get Your Car Inspected Before You Head Out

Anytime you go on a road trip, you should let a mechanic inspect your car. This can help ensure your vehicle is safe to travel in and helps you to avoid mechanical failures that may leave you stranded on the side of the road. 

Map Out Your Route Before You Leave

While many people use their phones to help them navigate, you should always map out your route ahead of time and familiarize yourself with it before you leave. You may encounter areas with poor reception, so having a general idea of what exits to take can be crucial. 

Take Your Time While Driving

The hustle and bustle of the holiday season should not apply to your driving. Instead of hustling to get to your destination, you should take it slow. Always set aside plenty of time to reach your destination to help you stay safe as you travel this holiday season. 

The insurance agents at Cross Creek Insurance, serving the residents of the greater Hope Hills, NC area, hope you stay safe while traveling this holiday season. If you are looking to purchase a new auto insurance policy, our team can help. Call us today, and let us provide you with an estimate for auto insurance. 

Anyone living in the Hope Hills, NC area will find owning a car is a smart idea. When you choose to purchase a vehicle, you also need to make sure you get the right insurance for it. There are various reasons why you must select an auto insurance policy in this part of the state. 

Meet Legal Standards

A reason that you will want to have auto insurance in this part of North Carolina is so you can meet the standards and requirements set by the law. Similar to other states, you must carry auto insurance when driving on a public road. At a minimum, you will want auto liability insurance, which is required to ensure you can cover damages if you cause an accident while behind the wheel. 

Cover Your Car

While you must have insurance to be in good standing with the law, you also need support to cover your car. Investing in a full insurance plan with comprehensive coverage will include support if your vehicle is stolen or damaged in an accident. This coverage may also be required if you take out a loan when purchasing your car. 

Being a vehicle owner in the Hope Hills, NC area will always come with responsibilities. If you want to buy a car when you are here, it would be a good idea to call the team with Cross Creek Insurance. These professionals offer a lot of support to help you select an ideal policy. Ultimately, Cross Creek Insurance can protect your car and will provide you with peace of mind. 

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.

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.

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. 

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.

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.