Category: Insurance

Riding a motorcycle offers a sense of freedom, but safety and protection become paramount when you have a passenger on the back. Many riders assume their insurance automatically covers a passenger in the event of an accident, but that’s not always the case. At Kempton Insurance Group, serving the greater Charlotte, NC region, we aim to help motorcyclists understand the specifics of their insurance coverage when they have a passenger.

Deciphering Passenger Coverage in Motorcycle Insurance

A standard motorcycle insurance policy typically includes liability coverage, which helps pay for damages if you’re at fault in an accident. However, this may not always extend to injuries sustained by a passenger. Some policies require additional coverage to protect anyone riding with you. Medical payments coverage or guest passenger liability can help cover medical expenses for your passenger if they’re injured in an accident, regardless of who was at fault.

Handling Accidents Involving Passengers

If you’re involved in an accident and your passenger is injured, the last thing you want to worry about is whether your insurance will cover their medical bills. You and your passenger could face significant out-of-pocket expenses without the right coverage. Adding the proper protections to your policy ensures that medical costs, lost wages, and other expenses are taken care of, giving both you and your passenger peace of mind.

Ensure Comprehensive Protection with Motorcycle Insurance

Motorcycle insurance isn’t just about protecting your bike—it’s about protecting everyone on it. Kempton Insurance Group, serving the Charlotte, NC region, can help you find the right coverage to protect your passengers every time they ride with you. Contact us today to review your policy and ride with confidence.

Boat Insurance: Preparing for Long Excursions

Participating in a long excursion on a private watercraft could prompt you to buy more boat insurance. Consider the risks involved with your next boat trip, then seek guidance about having your boat insurance policy modified.

Understanding Basic Coverage

If you currently carry a basic boat insurance policy that provides liability coverage, you will be protected against unforeseen boat accidents if you are found at fault. This type of coverage will protect you legally but will not protect you in the event that your boat is damaged due to no fault of your own.

Uninsured Coverage

Uninsured coverage will protect your boat if you are involved in an accident that was not your fault. If an uninsured boat operator damages your boat with their personal watercraft, the uninsured coverage you have access to will reimburse you for out-of-pocket costs you incur when you have your boat repaired.

Collision Coverage

Spending time on the open water for a longer duration may increase your chance of being involved in a collision. Collision insurance will protect your personal watercraft from body damage.

Personal Possession Coverage

Your navigational aids, furnishings, and watercraft could become damaged by the weather. Carrying personal possession coverage will alleviate any out-of-pocket costs you are responsible for if you are faced with inclement weather. Seek boat insurance coverage for any of the items you rely on when you take your boat out on the water.

Insurance Agent Assistance

An agent from the Kempton Insurance Group will upgrade your boat insurance policy. Contact one of our agents who serve Charlotte, NC. Convey information about the upcoming boat outing that you plan on taking. The agent will suggest boat insurance coverage that will protect you during the extended outing.

Living in a flood-prone area may necessitate acquiring extra insurance coverage. Consider the following guidelines to safeguard your interests while searching for a new house.

Flood Zones

Consult your realtor about the location of each potential home. If you’re considering purchasing a house in a low-lying area, be ready to invest in flood insurance.

Flood insurance coverage compensates the cost of restoring your house in case of flooding during your ownership.

Insurance Products

Explore flood insurance products that are beneficial to your situation. A flood insurance policy details the terms of the coverage offered. Living in a flood-prone area might necessitate significant flood protection.

Drainage and Upgrades

While searching for a house, inspect the land surrounding each potential residence. Pay attention to the landscape and the drainage system implemented on each lot.

If you opt to buy a house lacking necessary drainage facilities, seek professional advice regarding necessary upgrades.

Aboveground and underground drainage facilities can protect your house from severe flooding. Keep track of the costs related to securing each property with flood coverage. These considerations will help you choose a home within your budget.

Systematic Aid from Kempton Insurance Group

Contact our agents at Kempton Insurance Group to discuss flood insurance products. Our agents serving Charlotte, NC, will detail the flood insurance coverage and the level of protection you’ll receive.

Buying a condo can be exciting, especially if it’s your first place or you’ve wanted to move for a while. Before settling in, though, it’s important to ensure you have the right condo insurance to protect your belongings. If you’re in the Charlotte, NC, area, Kempton Insurance Group is here to help you get the right coverage for your needs. We can also help if you already have a policy and need to renew, review, or update it for a better fit.

Working with our dedicated agents is the right choice for all your condo coverage needs. These kinds of policies aren’t the same as standard homeowner’s insurance, as they require a different kind of policy with different limits. If you’ve lived in single-family homes before and aren’t used to condo living, our agents are here to answer all your questions. We can also provide quotes from multiple insurers so you can pick the policy that best fits your needs.

You’ll want to periodically review and update your policy, too, especially if you make significant changes to your condo. Most people have their agent review their policy when they renew it, but you don’t have to wait until it’s up for renewal if you have questions or need to make a change. You can get in touch with us anytime you need to make an update, and we’ll be happy to talk about your options.

Contact us today at Kempton Insurance Group if you’re in the Charlotte, NC, area and looking for a condo insurance policy. We can get the coverage you need to have increased peace of mind and the security you’re looking for.

You might think that commercial insurance is an unnecessary expense. However, two out of five businesses will need to take advantage of their insurance. It’s better to have commercial insurance and not need it than to need it and not have it. If you need to use your commercial insurance, filing a claim is easier than you think. 

Evidence and Police Report

You’ll need some photographic evidence immediately if there’s any physical damage. With cell phones’ ubiquity, this shouldn’t be a problem. If there was an auto accident, theft, vandalism, or burglary, you might need to make a police report. Get names and contact info from all witnesses. 

Report the Claim

You may contact your insurance agent either online or over the phone. Have all the information you need on hand, including when and where the accident occurred and the type of incident for which you’re filing a claim. An adjuster should be assigned to you within 24 to 48 hours. Once they have assessed the damage, you can get estimates for replacement or repairs. 

Settling the Claim

If your insurance company does not bill you, you must submit an invoice and receipt to the company. This is necessary for reimbursement for business insurance claims. You may be required to file a liability claim should anyone be injured. You will, of course, need to notify your attorney. 

Contact Kempton Insurance Group Serving Charlotte, NC

If you need commercial insurance and live in the Charlotte, NC area, don’t hesitate to contact Kempton Insurance Group. Our knowledgeable and courteous agents are dedicated to giving you the service you deserve.

So you never saw the sudden curve until it was way too late. Fortunately, you were able to walk away from this. Or at least limp or got carried off on a stretcher. You lived, but now you’ve got expenses. Damage to your bike, your medical bills, someone else’s medical bills, and property damage might fall on you. That’s what motorcycle insurance is for. 

First Things First

If you are in a motorcycle accident, determine if you’re injured. Move slowly and take your time with this. Don’t injure yourself further with sudden movements. Call 911 if you have to. Don’t assess your bike’s damage until you can get it to a safe place. And then get all the details. Take some photos and get the witness’s contact information. Contact your insurance agent as soon as you can.

Do You Need to File a Claim?

Could you be held liable for the accident? Does the cost of repairs outweigh your deductible? Was the other person uninsured or underinsured? Was anyone involved seriously injured? If the answer to any of these is "yes," then you need to file a claim. 

What Next?

Call your insurance agent. Have the information ready. Tell your side of the story. (Be honest.) Your claim will be assigned to an adjuster. The company will work up a report. If you have medical bills, the insurance company will help you deal with them. Your insurer will let you know what’s next.  

Contact Kempton Insurance Group in Charlotte, NC

If you live in the Charlotte, NC, area and need motorcycle insurance, please get in touch with Kempton Insurance Group. Our skilled and attentive agents will do all they can to get you all you need.