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Kempton Insurance Group

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

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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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