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Kempton Insurance Group

7427 Matthews Mint Hill Rd
Suite 105-356
Charlotte, NC 28227


Insurance Blog

Documents you should always carry in your vehicle

As you drive your vehicle around the state of North Carolina from the coastal area of the Outer Banks to the Great Smokey Mountains in the west, you need to make sure you have the documents in your vehicle you need to be legal. At Kempton Insurance Group in Charlotte, NC, we stay up to date with our customers and are happy to ensure that everyone knows exactly what they need in their glove box before they hit the road. 

Vehicle inspection

Your vehicle needs to have an annual safety inspection before it can be registered. It must be done within 90 days of the expiration of the registration. You will not be able to register your vehicle until it is completed, and in 19 countries, it also must include an emissions test. 

Vehicle registration

Vehicles in North Carolina need to be registered every year. You can register online or in person at the DMV. This allows the state to keep track of all the previous vehicle owners and any liens since you must show the title to register the vehicle for the first time. 

Auto insurance card

When you get your insurance for the first time or your renewal, you will get a copy of the policy either online or through the mail. With the policy itself, you will have auto insurance cards that prove you have auto insurance. You should immediately bring one to place in the glove box with your registration. 

Driver’s license

To drive in North Carolina, you must have a driver’s license. Many people use it for identification and will not keep it in the vehicle, but it will be there when you are there. 

Call our office at Kempton Insurance Group in Charlotte, NC for any auto insurance needs. 

My Car is in Storage. Do I Still Need Auto Insurance?

Legally, you don’t need car insurance if your vehicle is in storage and it isn’t driven. But does that mean you don’t need insurance? There are several reasons you won’t be driving your vehicle anytime soon. Perhaps, you are going for an extended vacation, recovering from an injury, or you just don’t want to use your car.

You might consider dropping your auto insurance when your car is in storage. But is this a smart thing to do? Kempton Insurance Group of Charlotte, NC has seen and heard it all when it comes to car insurance.

Here are some reasons why you still need your car insurance:

Some risks don’t go on holiday

Yes, your car is not on the road, so the risk of crashing into another vehicle doesn’t exist. However, risks like fire, theft, and natural disasters never have an off-season. That said, ensure your car has comprehensive coverage to protect it against non-collision threats.

It may still be required

If you have a car loan, your lender expects you to maintain car insurance all year through. Canceling your car insurance may be a violation of your loan agreement with the lender.

Creates gaps in your policy

Canceling your car insurance may put you in the category of a high-risk policyholder. This may lead to higher premiums when renewing your policy in the future.

Canceling your auto insurance when your vehicle is in storage can be a financial blunder. Risks might happen that may eat into the small savings you are making by not paying the premiums. The best thing to do is maintain your car insurance but suspend coverage options that you may not need. For instance, collision and liability policies won’t be required when your car isn’t being driven, but comprehensive coverage is a must-have.

Car insurance in Charlotte, NC

Want to learn more about car insurance? Feel free to contact Kempton Insurance Group for all your car insurance needs.

4 Auto Insurance Add-ons You Should Consider

When you purchase your auto insurance in Charlotte, NC, you expect it to protect you against most of the perils you encounter during your car ownership journey. Unfortunately, this isn’t always the case. Auto insurance is broad, and therefore, you need to consider options that suit you. In light of this, Kempton Insurance Group shares add-ons that you can consider to boost your auto insurance plan. 

Roadside assistance

While breakdowns are part of the car ownership journey, they sting more when they happen away from home. Fortunately, when you have roadside assistance coverage, your insurer tows you to the nearest garage for repair. Besides, you also get services like gas delivery, battery jumpstarting, puncture repair, and other roadside repairs when your car stalls. If you are a person who spends most of the time on the road, consider purchasing this coverage.

Zero depreciation

When you claim damages to your car, the insurance company normally factors in the depreciation factor when repairing your car. If the difference is significant, you will be hit with a severe out-of-pocket liability, messing with your finances. However, when you have the depreciation coverage, you are adequately covered despite depreciation. 

Return to invoice

When your car is totaled or stolen, your insurer compensates you against the insured declared value (IDV), which is your car’s current market value minus depreciation. However, when you have purchased return to invoice coverage, your insurer compensates you for the equivalent of the market value of your car model. This coverage is ideal if you live in theft-prone areas and your car is bought locally and is less than three years old. 

Engine coverage

When your engine is damaged during an accident, your current auto insurance should cover the repair or replacement costs. However, your engine isn’t covered if damage results from other perils like rain or flood. Engine protect covers repairs of your engine when damaged by water ingression and oil leak.

Would you like to boost your current auto insurance? Please talk to Kempton Insurance Group of Charlotte, NC to help you maximize your auto insurance.

What Happens If You’re Pulled Over Without Insurance?

If you’re pulled over in Charlotte, NC without insurance, the good news is that, if this is your first-time offense, and if there was no traffic accident involved, you’re not going to be facing any jail time over it. The bad news is that you are possibly going to be paying a fine.

What some drivers are hoping is that they’ll simply never be pulled over. This is unrealistic. Suppose that you follow every single traffic law to a T, you go exactly the speed limit, you always signal. Okay, what if your tail light goes out and a police officer pulls you over just to let you know? What if you drive through a checkpoint?

Sooner or later, you’re going to be pulled over. Maybe not for a moving violation, perhaps not for weaving across lanes, but for something, and when that happens, the officer is going to ask to see your license, registration, and proof of insurance as a matter of course.

If you have already been given a warning, or if you fail to pay your fine, you may wind up doing jail time for driving without insurance. In short, it’s simply not worth the risk. In the long run, driving without coverage is always going to cost you more than you might be expecting.

If you’re currently driving without insurance, or still shopping around in Charlotte, NC, get in touch with Kempton Insurance Group to see what they can do for you. You don’t want to drive without insurance, and Kempton Insurance Group can get you the protection that you need so that you can drive safely and legally.

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