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Kempton Insurance Group

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


Insurance Blog

Filing a Claim With Commercial Insurance

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.

How to Collect on Motorcycle Insurance

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. 


How Medigap Supplements Your Medicare Policy

The term Medigap does not refer to a government program. Still, the group of supplemental insurance policies that the owner of a Medicare policy can add to cover their medical care needs fully. That means that you can purchase a Medigap policy from Kempton Insurance Group. We serve Charlotte, NC, with the health insurance its residents need to protect their health and well-being. 

Building a Medicare Policy 

Individuals who qualify for Medicare can choose which parts (A, B, C, D) they want to receive. Part A is always free. For the other Parts, the insured pays a premium to receive. 

Medigap coverage refers to private insurance that does not come from the government that supplements Medicare coverage, filling in the areas that no part pays for, such as travel abroad for treatment and some experimental or developing treatments. Medicare coverage that comes free pays for hospitalization costs, and that’s it. You would need to pay for Part B to obtain insurance that covers doctor’s visits and wellness programs. Part D covers prescriptions, and the much later created Part C combines all three. 

Gaps in Coverage 

Medicare has always had gaps in coverage. Private health plans let you cover what Medicare does not – no matter how many parts of coverage you buy. But Kempton Insurance Group can help you locate and purchase insurance plans that cover your medical needs, such as transportation costs or out-of-state treatment. We can even help those with pre-existing conditions find an insurance policy that helps them better care for their health as they age. 

Contact Us Today to Learn More

Before you elect your Medicare coverage, contact our Charlotte, NC office. Let us conduct an insurance review that determines what coverage you most need before you choose your Medicare Parts. We can also help identify policy options that will help you meet likely needs as you age. Call or email us today. 

Full-Time RV Living: Tailoring Insurance Coverage for Nomadic Lifestyles

Living life on the road in an RV offers unparalleled freedom and adventure. Yet, along with this nomadic lifestyle comes the crucial need for adequate insurance coverage. At Kempton Insurance Group, serving Charlotte, NC, and the surrounding areas, we understand the unique challenges and opportunities that full-time RV living presents regarding insurance.

  1. Understanding Nomadic Insurance Needs: Embrace the unique demands of full-time RV living. Recognize the necessity for adaptable insurance that accommodates your mobile lifestyle. Protect your RV, your personal belongings, and potential liabilities while constantly on the move.

  2. Customizing Your Coverage: Tailor insurance to perfectly fit your RV lifestyle. Ensure comprehensive protection for your vehicle, personal possessions, and liabilities specific to life on the road. Craft a policy that offers peace of mind as you explore new horizons.

  3. Navigating State-Specific Regulations: Journey confidently across varying state insurance laws. Stay compliant and informed as you travel by ensuring your coverage aligns with state-specific requirements, no matter where your adventures take you.

  4. Embracing the Journey Confidently: Embrace the freedom of RV living without the burden of insurance worries. Access personalized coverage that secures your adventures, allowing you to explore worry-free and fully immerse yourself in the RV lifestyle.

  5. Safety Nets for Uncharted Roads: Experience the open road without compromising on protection. Contact us to personalize your coverage, ensuring seamless and comprehensive insurance wherever your journey leads. Travel confidently, knowing you’re backed by insurance that caters to your nomadic lifestyle.

Experience the open road without compromising on insurance protection. Contact Kempton Insurance Group today, serving the Charlotte, NC, area, and customize your coverage to suit your nomadic lifestyle perfectly. Travel confidently, knowing you’re backed by tailored insurance wherever your adventures take you.

Is Motorcycle Insurance Valid Across State Lines During a Continental Trip?

Kempton Insurance Group helps Charlotte, NC, cyclists get the high-quality policies they need to keep their bikes safe. If you’re planning a big trip soon and aren’t sure what might happen to your policy, contacting us to learn more about these issues is critical.

Coverage Needs Vary 

In the United States, 46 states and the District of Columbia require mandatory motorcycle insurance of some type. Only Florida, New Hampshire, Washington State, and Montana don’t require policy protection. As a result, you should already have insurance if you’re from North Carolina. 

When you’re traveling throughout the country, you need to make sure that you check all the requirements necessary for a state. Though you don’t need to change your policy to suit their needs, what other cyclists might have could impact what happens if you get into a crash with them.

Your Policy Should Remain Consistent 

The thing about your policy is that it should remain consistent, even when you travel outside of your home state. Any policy purchased in a state that requires motorcycle insurance will stay valid throughout the country. As a result, it can keep you safe from various issues. 

However, if you plan on traveling through any of the four states we previously mentioned, getting underinsured or uninsured cyclist insurance is a good idea. These policies protect you if other bikers don’t have insurance and ensure you get the support needed.

How We Can Help You 

When planning your big motorcycle trip from Charlotte, NC, make sure you contact us at Kempton Insurance Group to learn more about how we can help you. Our team of professionals is standing by to ensure you get the policy that makes the most sense for your needs.

I just finished paying off my boat. Do I still need boat insurance?

Charlotte, NC boaters can enjoy a variety of water activities. North Carolina boaters are required to obtain and carry a North Carolina Boater Education certificate to operate a boat in the state. However, there are occurrences when more may be necessary or recommended. Our team at Kempton Insurance Group is committed to helping North Carolina boaters understand the boating laws and get coverage that meets their needs.     

What’s Required to Operate a Watercraft in North Carolina?

All boaters must acquire a Boaters Education Certificate to operate a watercraft. This law applies to all watercraft of 10 HP or more. However, boat insurance isn’t a legal requirement in North Carolina. Boaters may still have to invest in boat insurance if they’re financing their boat or want to use certain marinas. A lender usually requires boat insurance until the loan is paid in full. Also, some marinas may require insurance if an accident causes injuries to others or property damage. Boaters may also consider investing in boat insurance if the repair or damage to their boat would be financially challenging to manage out of pocket. 

I just finished paying off my boat. Do I still need boat insurance?

Although your boat’s paid in full and the lender no longer has a say in whether you carry boat insurance, you may want to consider keeping your boat insurance. Liability protection or coverage for the repair or replacement of your boat, if you’re in an accident, are viable reasons to keep the insurance. As stated above, you may also need insurance to dock at certain marinas as well. If you have questions regarding the benefits of boat insurance, call us. We’d be happy to explain boat insurance and all of your coverage options. 

I have a small online business. Do I need umbrella insurance?

As a business owner, you have assets that need protection. Often, unexpected situations occur that can affect the operation of a business financially as well as in other ways. Some of these incidents may exceed the current maximum limits of an existing insurance policy. Kempton Insurance Group is committed to helping Charlotte, NC business owners protect themselves financially, legally, and more from the unexpected.   

What is Umbrella Insurance?

Umbrella insurance is backup insurance. If your existing insurance policy doesn’t fully cover an incident or event, umbrella insurance steps in to cover anything beyond the maximum coverage limits of your primary insurance. Umbrella insurance offers a wide variety of benefits and can sometimes act as primary insurance if your existing policy doesn’t have/offer a specific type of coverage. Personal liability coverage, as well as coverage for property damage, some lawsuits, and more, are provided by umbrella insurance. In short, umbrella insurance provides coverage and protection once your primary insurance has reached its maximum limits. It also covers losses not covered by your primary insurance policy. 

Do I need umbrella insurance?

Regardless of the size and scope of your business, you have assets to protect. As a result, umbrella insurance can be highly beneficial, regardless of the size of your business. Remember that umbrella insurance isn’t a separate insurance policy but rather a policy designed to complement and add to your existing policies. You must have primary insurance to obtain umbrella insurance. Accidents and unexpected incidents can occur at any given time, and your primary insurance policy may not adequately or fully cover an incident. Umbrella insurance can provide peace of mind for small businesses when a backup or umbrella policy supports the limits of their primary insurance policies. Umbrella insurance is designed to cover approved accidents and situations that exceed their primary insurance limits. If you have more questions about umbrella insurance, we’d like to help you explore the benefits. Call Kempton Insurance Group in Charlotte, NC. We’re standing by. 

Stay Protected With Flood Insurance

When you are a homeowner, there are many things that you have to do to protect your home. One of the most important of these is to get the right insurance. You may have home insurance, but you’re not fully protected if you don’t have flood insurance. Many people don’t get flood insurance because they assume their home insurance will pay for the damage after a flood. However, home insurance doesn’t cover floods. If you don’t have flood insurance, you don’t have any flood protection. If you need flood insurance in Charlotte, NC, call us at Kempton Insurance Group to get started.

The National Flood Insurance Program

If you worry that a flood insurance policy may not be there for you after a severe flood, you don’t have to. When you have flood insurance through the National Flood Insurance Program, it’s government-supported and backed. It will be there if you have a flood, even if the flood is a severe one. This is solid coverage that will give you peace of mind. It protects you in the event of one of the most damaging types of disasters. When you need repairs or rebuilding because of a flood, the policy will be there to help.

Flooding and Flood Zones

Certain areas are labeled as flood zones. Many people believe that they don’t need flood insurance because they don’t live inside one of these. However, flooding can happen just about anywhere. About 20% of all flood claims come from properties that aren’t inside a flood zone. Everyone in North Carolina should have flood insurance just in case of an unexpected flood. 

Get Flood Insurance 

When you’re in Charlotte, NC and need a flood insurance policy, call us at Kempton Insurance Group to learn more and get started. 

How is Condo Insurance Different From a Homeowner’s Policy?

If you’re buying a condo, you know it’s essential to have it insured. You might not know that you don’t need a standard homeowner’s policy. Instead, it would be best if you got condo insurance. If you’re in the Charlotte, NC area, Kempton Insurance Group is here to help you get the right coverage for your new space, so you can enjoy your condo and all it has to offer. We can take all the guesswork out of getting a policy, so you can have peace of mind, get your coverage, and move on to the next thing on the list.

Condo coverage differs from a homeowner’s policy because it protects the inside of your condo and all your personal items. Unlike a home policy, though, it doesn’t cover things like the outside of the building or the roof. Those aren’t areas that need coverage from condo owners because the condo association or building owners cover them. When you own a condo, you only own the space inside your unit, so that’s all you have to worry about protecting.

Still, you want to ensure you’re getting the right level of coverage for everything you have in your condo. That’s especially true if you have anything that’s out of the ordinary, such as family heirloom jewelry or a grand piano. The best way to ensure you’re getting the proper protection is to work with an agent who can give you information on all the options you can choose from. That way, you’ll be sure you’re getting what you need.

If you’re in the Charlotte, NC area and looking for condo insurance, contact us at Kempton Insurance Group. We can help you find the policy that meets your needs and works for your specific situation so that you can get more enjoyment from your condo.

The Top 3 Benefits of Having Commercial Insurance

Running a business is stressful enough when operations are running smoothly. But what about when the unexpected happens? Our team at Kempton Insurance Group is here to help. Our commercial insurance products are designed to give business owners peace of mind and protection from financial loss associated with certain unforeseen events.

Here are the top three benefits of having commercial insurance:

1. Protection Against Property Damage and Loss

No one can predict whether or not their business will be affected by a natural disaster like a hurricane, tornado, or flood. Commercial insurance policies protect from property damage and property loss in the event of such disasters.

2. Liability Coverage for Your Business

Your business can be held liable for damages caused to a customer or third party due to your negligence. Commercial insurance policies provide coverage for legal fees and the cost of settlements in these cases, alleviating the financial burden.

3. Peace of Mind and Financial Security

Commercial insurance gives you peace of mind knowing your business is protected from potential liabilities and unexpected losses. Kempton Insurance Group serves several regions, including the Charlotte, NC area. We do our best to provide comprehensive coverage tailored to the needs of businesses of all sizes, so you can feel secure that your financial future is secure.

Reach Out To Us

To ensure you get the best commercial coverage for your business, it’s important to ask the right questions when meeting with an insurance agent. Ensure you understand the policy limits and coverage details so you can decide which plan best suits your needs.

At Kempton Insurance Group, we strive to provide Charlotte, NC businesses with reliable and effective commercial insurance policies to keep their operations running smoothly. Contact us today to learn more about the benefits of having commercial insurance and get started on protecting your business!

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