NC & SC Automobile Insurance

We want to be your Auto Insurance agent of choice if you live in NC or SC we can and will find the best rates for you.

Let us provide you the affordability that an independent insurance broker can provide.

There is a lot to know about auto insurance in order to fully understand what you’re paying for. The following information provides a quick education to help you navigate the twists, turns and choices involved in buying auto insurance.

Auto insurance includes three broad coverage categories designed to protect you from financial loss if you have an accident:

• Property coverage pays for damage to or theft of your car.

• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Remember that in order for your insurance coverage to take effect, all drivers and cars must be specifically listed on your policy. You should also refer to your automobile contract for the specific terms and conditions of the coverage that you have purchased. If you have any further questions you should speak directly with an agent.

Liability
Let’s face it. If you have an auto accident, the legal costs could be devastating. Liability coverage offers protection against claims, property damage or bodily injury to a third party that you or a member of your household accidentally caused while driving your car. This coverage applies only if the driver is considered legally responsible for the damage.

Medical payments
The last thing you need to worry about at the time of an accident is your medical insurance. The medical payments portion of your policy assures that you, your family members and passengers in your car will receive necessary medical and dental services resulting from an auto accident…regardless of who caused the accident.

Uninsured motorist/Underinsured motorist
Uninsured motorist coverage will pay for injury expenses incurred should you, your family members or passengers be involved in an accident with an uninsured motorist. This coverage may also provides protection for a hit-and-run accident or an accident with a driver who has less insurance than required by law. Ask your agent to check coverage.

Underinsured motorist coverage comes into play when the other driver is found legally responsible for an accident and has coverage, but not enough to cover your injuries. If your coverage limits are higher than those of the at-fault driver, this coverage will absorb the additional expenses.

Collision coverage pays for any damage to your car caused by accidental impact with another vehicle or object…or if your vehicle overturns. The maximum amount to be paid is limited to the actual cash value of your vehicle, which is often referred to as the “local market value,” less the collision deductible. Please remember that the local market value is only a starting point. The actual cost of the car may be more or less depending on the actual condition of the car.

Comprehensive coverage pays for most types of damage to your car resulting from a situation other than a collision. Typical examples include breakage of glass, falling objects, fire, theft, windstorm, hail, water, flood, malicious mischief, vandalism, or impact with a bird or animal. The maximum amount paid is limited to the actual cash value of your vehicle less the “other than collision” deductible.

We believe the right insurance for you should come at a fair price. And the more you save, the more you have for other pursuits. Here are some ways we accomplish it:

• Multi-Car Discount

For having two or more private passenger vehicles insured on your policy .

• Defensive Driver Credit

For completing an approved defensive driver course, you’re eligible for a discount for the next three full years.

• Multi-Line Discount

For bundling homeowners’ insurance with your auto coverage  can save up to 30%.

• Good Student Driver Credit

For each full-time student under the age of 25 who qualifies as a good student and who owns or operates a vehicle.

• Air Bags Discount

For vehicles equipped with air bags. If your car is equipped with more than one air bag, you save even more.

• Anti-Theft Device Discount

For having active or passive anti-theft devices on your car, you can save on your Comprehensive Coverage.

Call us today 704-679-9444

Homeowners Insurance

Personal Insurance Homeowners

Fire, hurricanes, damage due to loss or theft are all realities we face  and are devastating in themselves, without having to worry about if your homeowners insurance is adequate to cover you and your family.

We understand at AA Insurance  how confusing your coverage can be to you, and feel it is our responsibility to take the extra time to make sure you know exactly what your policy will do for you if the unforeseen should happen.

Here are a few definitions to help you understand your policy:

• Dwelling Coverage: The dollar amount carried to cover your home and any structures attached directly to it. Ideally, the amount of coverage you carry should equal the amount of rebuilding your home after a total loss.
• Personal Property Coverage: Provide coverage due to loss of personal property up to set amounts and limits.
• Loss of Use: This coverage is available when you cannot live in your home due to a covered loss. Providing living expense which go over and above your normal living expenses up to the limits provide in your policy.
• Liability Coverage: If someone is accidentally hurt or dies on or off your property and it was caused by you, a family member, or pet, this coverage pays claims against you for legal responsibility. (Does not include automobile or business liability)
• Medical Payments: Coverage of actual medical expenses for accidental injury to others by you, family members, or pets on your premises or elsewhere regardless of legal liability.

Also available to you are supplemental policies that cover

• Valuable possessions ie; jewelry, artwork etc.
• Flood insurance
• Animal liability
• Umbrella policies

We feel confident we can help you with your homeowners insurance needs. Allow us to provide you an assessment analysis to find out if you have adequate, or even an overage of coverage that we may be able to help you save on your coverage.

Find out what we can do for you by requesting a quote today.

Affordable North Carolina Health Insurance.

Fill in the form on the right or give us a call for a customized health insurance plan that is right for you.

North Carolina Health insurance policies most often provide coverage for:

• Doctors visits
• Prescriptions
• Medical Testing
• Specialized care
• Surgical procedures

Affordable North Carolina Life Insurance for all of Charlotte

North Carolina, Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance… the list and combinations seem endless. Do you know which NC life insurance policy type is right for you? At Charlotte Insurance Broker – AA Insurance  we can help. Our dedicated team of life insurance professionals understand North Carolina’s market and regulations and can find the right plan – or mixture of plans – for your specific needs.

Fill in the form to the right or give us a call we have you covered.

Affordable NC recreational vehicle insurance!

Take off and enjoy the open road knowing you are covered Charlotte Insurance Broker AA Insurance provides the best RV, Motorcycle, boat & toy insurance with premiums you can live with. Depending on your specific needs we can tailor a policy based on usage.

Motorcycle Insurance 101: The Essentials

Selecting the right motorcycle insurance is like selecting the right motorcycle; you want to make sure it fits your needs, your lifestyle and your budget.

Update your policy. First, verify that all your coverages are still in force. Be aware that some companies have a winter layaway period during which some cover-ages are restricted

Next, note any changes such as additional riders or a new garaging address. A quick call to your independent agent or insurance company will ensure coverage that reflects your current needs.

Consider additional liability coverage. If you have significant assets, it may be to your benefit to carry a higher limit just in case you are involved in an accident that causes injury to some-one else or damage to property.

Look into medical payments coverage. Medical payments coverage pays your medical bills as well as your passenger’s and is available in limits up to $25,000 in most states.

Make sure custom parts and equipment are covered. Additional parts such as chrome plating, a custom paint job, saddlebags or special rims usually increase the value of your motor-cycle and may not be covered. If you’ve added any custom parts or equipment, you’ll want to check your policy or call your independent agent to make sure they’re covered.

Did You Know?

Riding a motorcycle is different from driving a car. Motorcycle insurance needs are different, too. That’s why it’s important to choose a company that specializes in motorcycle insurance.

Motorcycles we insure:

• Harley’s
• Power Cruisers
• Cruisers
• Touring Motorcycles
• Scooters
• Standard Motorcycles

• High Performance Motorcycles
• Sport Bikes
• Trikes
• Custom Construction
• ATV
• Mopeds

Tips To Ensure Your ATV Is Properly Covered

When it comes to your all-terrain vehicle (ATV), it pays to keep your feet on the ground when it comes to insuring it. You may think it’s covered by your home-owners policy, but are you really protected? Your “toy” wasn’t cheap, and lacking the right type of insurance coverage could lead to a sticky financial situation.

Owners should think of ATVs the same way they think of motor-cycles, If you’re not sure what to do about your ATV insurance needs, here are a few things to consider:

Your homeowner’s policy might not be enough. Most likely, your homeowner’s policy only covers your ATV if trouble occurs on your property. Anywhere else and you’ll be exposed. Look for an affordable ATV insurance policy that offers coverage no matter where you are. Trail riders should be aware that many states require ATV insurance for vehicles operated on state-owned land.

What about theft? ATVs are portable and can be easy targets for thieves. You should consider ATV insurance that provides cover-age for things such as theft, fire and vandalism—just like the kind you can get for a motorcycle. Theft, fire and vandalism are covered by Comprehensive coverage, optional physical damage coverage.

Consider uninsured and underinsured coverage. You never know what can happen in the great outdoors. This relatively inexpensive coverage protects you if another rider causes damage to you and he or she lacks adequate coverage.

Did You Know?

ATVs are fun to own, but most likely, your homeowner’s policy only covers your ATV if trouble occurs on your property. Anywhere else and you’ll be exposed. Look for a policy that offers coverage no matter where you are. For more information about ATV insurance contact us.

RV insurance: Don’t hit the road without it

If you bought a tractor trailer, you wouldn’t add it to your car insurance policy. It’s a specialized vehicle and needs special coverages and claims handling.

So why do more than half of RVers surveyed by The Progressive Group of Insurance Companies add their RV to their car insurance policy?

Why you shouldn’t add your RV to your car insurance policy:

For example, what if …

… your RV breaks down on a trip?

While a lot of car insurance policies offer roadside assistance, many may not include coverage for your RV. Even if your policy covers some roadside expenses, it may not cover them all. For example, it may pay for towing only up to the amount it costs to tow a car. RV tows can cost three times more. That means out-of-pocket expenses you’re responsible for paying.

… your RV is involved in a crash?

Auto insurers typically have someone who normally handles car insurance claims inspect your RV. Specialty RV insurers train claims rep to look for damage and write estimates specific to RVs. They also work with repair facilities that know how to repair an RV and guarantee the

work.

… the stuff in your RV is stolen?

You may keep things inside your RV that you never keep in your car like jewelry, laptops and camcorders. Your auto policy won’t pay to replace these items if they’re lost, stolen or damaged. Specialty insurers offer “personal effects” coverage that will pay to replace them if they’re used with your RV.

For more information on RV insurance contact us.

We have you covered fill in the form on the right or pick up the phone we have agents standing by.

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We Know Business Insurance

Your business is probably one of your biggest assets, along with a home, and you want to make sure you have the right coverage. Nothing more, nothing less.

Whether you are cutting hair or keys, pampering patrons or pets, AA Insurance & Tax Services offer business owners the protection you need

From barber and key cutting shops, to beauty schools, shoe repair or restaurants, AA Insurance & Tax Services have you covered from head to toe.

Many of our packages feature broad affordable core coverage plus many competitive features and options like:

• Equipment breakdown coverage.

• Personal effects protection.

• Identity fraud protection.

• Electronic data protection.

No matter what industry you are in one unforeseen incident could be devastating to you, our agency provides affordable solutions for any size company, from one man operations to multi billion dollar corporations.  Let us provide your company with an insurance review analysis to find out if your getting the most out of your policy.

As your independent insurance broker our goal is for your company to get the best possible insurance coverage. When your business purchases their insurance coverage through  AA Insurance & Tax Services we will take the time to assess all of your companies needs and then present several different options for  you to choose from.

We will ensure that the policies that we offer fit not only the needs of your company but also any risks that your business may face.  As your broker dealing with your business insurance, it is important that we understand every facet of  your business, being sure to not overlook any risk that you may need to have coverage for. Ultimately, it is our responsibility to provide you all the options available to your company. All of this will be achieved while providing you the best possible premium rates with the best coverage.

See how much you could be saving by requesting  a quote today.

Some of your business needs that we cover include:

• General Liability
• Commercial Property
• Workers Compensation
• Contractors Insurance
• Commercial Vehicles
• Group Benefits
• Health Care Services

These policies includes key coverages that are important to any business, some of the core coverages and optional coverages  available are:

Property Highlights

Property Coverage covers your Building and Business Personal Property

• Accounts Receivable:

• Business Income and Extra Expense:

Covers income that is lost due to suspended operations caused by damage

at the described premises from a covered cause of loss.

• Business Personal Property Off Premises:

- Coverage for Business Personal Property Off Premises is provided, including while

in transit or temporarily away from the scheduled premises and at a premises

you do not own, lease or operate; or at any fair, trade show, or exhibition.

• Crime Coverage:

- Employee Dishonesty and Forgery or Alteration coverage are both included up

to $25,000 and limit may be increased.

- Money and Securities are included within Business Personal Property. Theft of

- Theft Damage to Rented Property coverage is included within Business Personal Property when tenant is contractually obligated to make repairs.

• Electronic Data Processing Equipment, Data and Media.

• Equipment Breakdown:

- Diagnostic equipment, power-generating equipment, and production equipment.

- Service interruption of water, communication, or power supply services.

• Signs:

- Coverage for Signs within 1,000 feet.

• Valuable Papers and Records:

- Covers on and off premises.

- Includes the cost to research, replace or restore lost information.

General Liability Highlights

General Liability Coverage protects you against claims for damages because of bodily injury or property damage to others resulting from your business operations.

North Carolina Commercial Property insurance coverage

Protecting your investment, fill in the form on the right or give us a call today

We have you covered.

A typical North Carolina Commercial Property Insurance policy includes coverage for:

• Structure (building) of your business
• Furniture
• Equipment
• Lost inventory
• Landscaping
• Outdoor signs
• Damage to the property of others
• And more…

Charlotte North Carolina Commercial Vehicle Insurance

Affordable North Carolina Commercial Vehicle Insurance.

Providing you with fleet discounts, commercial vehicle insurance is just a call away

Fill in the form on the right or pick up the phone our agents are here to help.

We have you covered.

North Carolina Excess Liability Insurance.

The best way to deal with an unsatisfied customer and a potential lawsuit is through umbrella or excess liability insurance in NC. Umbrella or excess liability insurance will cover your business from catastrophic issues that threaten its security.

An excess liability insurance policy acts as an umbrella to your basic liability insurance. This type of coverage kicks in when a claim is made against you that exceeds the amount of your existing coverage. Umbrella liability insurance provides a safety net when your other business coverage has been exhausted.

Pick up the phone or fill in the quick quote box to the right. We have you covered.

Charlotte North Carolina General Liability Insurance

Does your business have enough Carolina liability coverage?

Fill in the form on the right or pick up the phone and give us a call. Agents are standing by.

North Carolina Workers Compensation Insurance

Most business owners understand that workers comp is important, but did you know that if you have employees, it is required by law for most businesses to have coverage?

North Carolina workers compensation is a type of insurance coverage that protects your employees in case of injury or disease during the course of employment. Policies can provide coverage for:

• Medical expenses
• Lost income/wages
• Rehabilitation costs
• Death benefits
• And more…

Fill in the form on the right or give us a call we have you covered.