Month: March 2020

COVID 19, Your Insurance Policies, Our Agency, UPDATES

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I wanted to take a minute to reach out to all of our clients, to bring you some updates in the insurance world that may affect you.

Last Friday the NC Insurance Commissioner issued an order to all insurance companies, premium finance companies, concerning those that have been financially affected by the COVID 19 Virus.

If you have suffered a financial loss, due to loss of a job, reduction in hours, and are having a hard time making ends meet. You may call the insurance carrier directly and ask for some assistance with your monthly insurance payment.

Each company is handling this a little differently. That is why you need to call them direct.  If you don’t have their number please call our office at 828-505-7222 and we can get that information to you.

Don’t be surprised if they ask you for some proof. as we are sure many people who have not been financially affected may try to take advantage of this option.

If you simply don’t pay your insurance bill, your policy will cancel, you will have to pay the reinstatement fees and could be subject to FINES from DMV…  So please call if you need assistance.

Our agency is committed to staying open during this time of crisis. HOWEVER, we will be implementing some new procedures until this crisis passes.

We can handle 99% of your needs over the phone and by email. things like payments, policy changes, even new policies.  So please feel free to call us at 828-505-7222.

To maintain Social Distance during this crisis, if you do need to come by the office, please call us at 828-505-7222 so we can set a time for you to come by.

In the event that this virus was to get out of hand, and we are forced to close the office,  we are equipped to work remotely.

So please call us at 828-505-7222 if you need anything. We are here to help you.

You can email us if needed at the following email address;

Liz@ashinscen.com
Robbie@ashinscen.com
Lee@ashinscen.com

We encourage each of you to shelter in place, Stay Healthy, hopefully, this crisis will pass soon.

Lee, Liz & Rob

Must Have Insurance Coverage for RV Road Trips

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Spring is an excellent time of year for an RV road trip. When planning your trip, make safety a priority by purchasing adequate RV insurance for your travels. The right coverage from Asheville Insurance Center in Asheville, NC will protect you, others, and your RV against incidents on the road.

RV Coverage Options

RV policies offer several coverage options, which include:

Liability

Liability covers injuries and property damage to others in accidents you’re responsible for. North Carolina requires that you carry minimum liability coverage to protect other drivers. RV collisions, however, tend to cause a lot of damage, which may exceed the limits of minimum coverage. To fully protect your assets against road trip accidents, it’s best to purchase as much liability coverage as you can afford.

Collision

Collision coverage helps pay for repairs to your RV if it’s damaged in a crash, regardless of who’s at fault. If you took out a loan to purchase this vehicle, your lender might require that you have this coverage. Even if you own your RV outright, collision coverage can save you a substantial amount of money in repair costs. 

Comprehensive

Comprehensive coverage compensates you for the market value of your RV if it’s stolen. It also covers damage caused by non-collision events such as inclement weather, falling objects, and vandalism. These incidents are quite common when you hit the road.  

Uninsured Motorist (UM)

Road trips also put you at a higher risk of being hit by someone who doesn’t have sufficient coverage to pay for your RV damages. If this occurs, UM coverage will help cover your repair costs.

The right coverage will protect you against any eventuality, so you can enjoy your road trip to the full. Contact Asheville Insurance Center in Asheville, NC, today for all your RV insurance needs.