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North Carolina’s insurance climate is getting tough. Due to over utilization of the North Carolina’s Beach Plan, and coastal insurance rates that are under priced, the rest of the state’s insurance consumers are about to pay the price.

The North Carolina Beach Plan was established as a market of last resort for insuring coastal property. Over the years, the North Carolina Beach Plan has become the market of first resort. The North Carolina Department of Insurance sets the maximum premium(s) that can be charged for any risk. The problem is that under the leadership of the former insurance commissioner, North Carolina would not allow private insurance carriers to charge adequate rates for coastal risks. The result, most insurance carriers that do business in North Carolina refused to write coverage in the coastal counties. The result was made the market of last resort into the market of only resort.

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At the best of times, most of us do not fully comprehend the “ins and outs” of car insurance. When adding rental car insurance into the mix, it may seem like an added expense that you can avoid, or, should you be cautious and jump at the chance of making sure that you are fully covered in the event of a car accident?

Before leaving home on your next family vacation or business trip, it may be a wise decision to find out what your personal vehicle insurance and credit card cover. There are basically two types of insurance: Liability and Collision. Liability covers your personal injury and injury to others. Collision covers the actual vehicle damages.

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People often wonder if it would be worthwhile to add an accidental death benefit to their insurance policy because it’s such an inexpensive option.

Like most other things, although the answer might seem obvious it can’t really be answered directly with a “yes” or a “no”. There are a number of things to consider.

Adding an accidental death benefit will usually pay if the insured dies within 90 to 180 days of having an accident. The time frame varies according to where you live. Since the premiums are very inexpensive, it would make sense on the surface.

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