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2622 Dale Earnhardt Blvd
Kannapolis, NC 28083

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Pethel Insurance Group Blog

If You Rent a Boat in North Carolina, Do You Need Insurance?

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Cruising the waterways is a great way to relax, soak up some sun, and spend quality time with friends and family. For Kannapolis, NC, residents who want to experience water activities but don’t own a boat, renting a watercraft is a popular option. If this describes you, let Pethel Insurance Group set you up with the protection that boat insurance provides.

Boat Renters Insurance in North Carolina

In North Carolina, boat insurance is not a requirement, but for your own protection and peace of mind, it is recommended. While the state does not require coverage, the rental agreement may require that you have liability insurance. Something else to consider is if you plan to dock the rental boat at a marina to refuel or enjoy some time off the boat, the marina may require proof of insurance. This is to protect the insured boats from accidents, personal injuries, or damage caused by you.

Benefits of Boat Insurance for Rentals

Prepare for the unexpected. Just like traveling along the streets and highways of Kannapolis, NC, an accident can happen. With an insurance policy in place while boating, you are protecting yourself from having to pay out of pocket for damage or personal injuries, allowing you to enjoy your time on the water stress-free.

Know Before You Go

Before venturing out for your next fishing, sailing, skiing, or cruising adventure, thoroughly check the renters boat agreement for any insurance requirements. 

Contact Us

Our focus at Pethel Insurance Group is providing the insurance you need, including protection from boating accidents. Call us and let’s put together a policy that keeps you afloat.

Touring and Motorcycle Insurance: Coverage for Long-Distance Riders

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Embark on worry-free adventures with Pethel Insurance Group, as we cater to the unique needs of riders exploring long-distance tours while serving Kannapolis and the surrounding areas. Touring and motorcycle insurance are fundamental in ensuring riders’ safety and protection during extended journeys. Whether you’re an avid long-distance rider or contemplating such adventures, understanding the specifics of coverage is crucial.

Tailored Coverage for Long-Distance Rides

Long-distance touring introduces a different set of risks compared to regular riding. Adequate insurance coverage becomes paramount to address these specific risks. Coverage options may include provisions for trip interruption, roadside assistance, and increased medical coverage to account for potential accidents far from home.

Addressing State and Terrain Variations

Navigating diverse state laws and terrain demands tailored insurance coverage. Different states have unique insurance regulations, while terrain poses varying risks. Our goal is to customize coverage to address these variations, ensuring riders are adequately protected on any road.

Comprehensive Protection for Riders

Our agency specializes in providing comprehensive insurance solutions for motorcycle enthusiasts. We aim to educate riders about the nuances of touring insurance, ensuring they’re adequately protected during their extended journeys.

Safeguard Your Touring Adventures Today

To gain a comprehensive understanding of touring and motorcycle insurance tailored to long-distance rides or to explore your insurance options, connect with our experienced agents today. Allow us to accompany you on your touring adventures by ensuring your coverage matches your riding aspirations.

Ride With Peace of Mind

Being informed about your touring and motorcycle insurance coverage is fundamental for a worry-free journey. Contact us here at Pethel Insurance Group, serving Kannapolis, NC, and the surrounding community today, and embark on your touring adventures with the right insurance coverage to support you along the way.

Am I Required to See the Doctor When I Get Life Insurance?

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Life insurance is a type of insurance that provides financial support to your beneficiaries in the event of your death. There are several types of life insurance, but most require the insured to undergo a medical examination before the policy becomes active.

If you need life insurance and want to learn more about the process, the professionals at Pethel Insurance Group, serving Kannapolis, NC, can help. We work with many insurance carriers to help our customers find the best policy for their needs. Here’s what you need to know.

Why Is a Doctor’s Visit Necessary for Life Insurance?

Getting a physical is an integral part of obtaining life insurance because it helps the insurance company assess risk and determine rates for your policy. The physical is typically brief and includes standard procedures, similar to what you might experience during a routine doctor’s visit.

Is Seeing a Doctor Always Required?

For most types of life insurance, a medical examination is required. However, some policies do not require the insured to see a doctor. These policies often come with higher premiums and may offer lower coverage amounts. If avoiding a doctor’s visit is important to you, talk to your insurance agent. They may be able to help you find a policy that meets your needs without requiring a physical.

Need Life Insurance? Call Today

If you’re in need of life insurance, the professionals at Pethel Insurance Group, serving Kannapolis, NC, are here to assist you. We can answer your questions about life insurance and provide information to help you choose the best type of policy for your needs. Call today to speak with one of our insurance professionals.

How Auto Insurance Applies to Car Sharing and Delivery Apps

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The rise of car-sharing and delivery apps has made it easier than ever to earn extra income using your own vehicle. Whether you’re driving for a rideshare service or delivering food on the weekends, these gigs offer flexibility—but they can also create confusion when it comes to your auto insurance. At Pethel Insurance Group in Kannapolis, NC, we help drivers understand where their coverage begins and ends in these situations.

Personal Auto Insurance vs. Commercial Use

One common misconception is that your personal auto insurance will fully cover you while driving for a car-sharing or delivery service. The reality is that most personal policies don’t cover accidents that occur while you’re using your vehicle for commercial purposes. This means if you’re involved in an accident while making a delivery or transporting a passenger, you could be left paying out of pocket unless you have the appropriate coverage.

Understanding App-Based Coverage

Some apps provide limited insurance coverage while you’re actively using their platform, but there are often gaps—especially during the period when you’re logged in but haven’t yet accepted a ride or delivery. Knowing how these policies work and when they apply is crucial to avoiding unexpected expenses.

Protect Yourself Before You Hit the Road

If you’re using your car for more than just personal errands, it’s time to review your insurance coverage. Depending on how often and for what purpose you’re using your vehicle, you may need a rideshare endorsement or a commercial auto policy.

Are you unsure about the type of coverage you need? Pethel Insurance Group in Kannapolis, NC can help you navigate the details. Contact us today to ensure you’re fully protected every mile of the way.

What Happens When a Customer Is Injured on Your Property? A Look at Liability Claims

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Accidents happen, even in the safest of spaces. When they occur on your business property, the consequences can go beyond a spilled cup of coffee or a wet floor. At Pethel Insurance Group in Kannapolis, NC, we help business owners understand what’s at stake when a customer is injured on their premises—and how commercial liability insurance can step in to help.

The Immediate Aftermath

If a customer slips, trips, or is injured in any way while visiting your business, your top priority should always be their well-being. Medical assistance should be called if necessary, and the incident should be documented thoroughly. This includes taking photos, gathering witness statements, and filing an internal report.

Understanding Liability Claims

After the incident, the injured party may decide to file a liability claim against your business. This is where your commercial general liability insurance becomes essential. A typical policy can help cover medical expenses, legal fees, and any settlements or judgments if your business is found responsible for the injury.

Prevention Is Key—But So Is Preparation

While preventing accidents is always the goal, preparation is equally important. Regular maintenance, clear signage, and prompt attention to hazards can significantly reduce risks. However, even with the best precautions, accidents can still happen. Having the right insurance coverage ensures you’re not left financially vulnerable.

Navigating liability claims doesn’t have to be overwhelming. Let Pethel Insurance Group in Kannapolis, NC, help you build a strong commercial insurance plan that protects both your business and your peace of mind. Contact our team today to learn more.

Three Red Flags That Your Home Might Be Underinsured

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Every homeowner in Kannapolis, NC is required to have some level of home insurance. However, not all homes are adequately insured, and discovering that your coverage is insufficient after an incident can be devastating. At Pethel Insurance Group, we’ve encountered numerous individuals who have lost significant amounts of money due to damage or theft of their homes. To prevent this from happening to you, be mindful of these warning signs that your home may be underinsured.

1. You Opted for the Minimum Level of Coverage – Choosing the minimum level of coverage is a significant indicator that your home may not be adequately insured. While this may save you money initially, it could lead to substantial losses if your home suffers from a fire, flood, or burglary. Don’t settle for the legal minimum when purchasing home insurance, especially if you’re moving into a new home.

2. Recent Home Improvements – Home renovations can alter the value of your property. Therefore, any major changes to your home should prompt a review of your home insurance policy. The value of your home could increase significantly after a kitchen or bathroom remodel, which may render your original home insurance policy insufficient.

3. Lack of Regular Policy Review – It’s crucial to regularly review your home insurance policy, even if there haven’t been any changes to your home. Make sure your policy includes provisions for flooding and natural disasters. Additionally, as labor costs rise over time, it’s important to ensure your policy covers these potential increases.

Pethel Insurance Group has successfully assisted numerous individuals in the Kannapolis, NC area in updating their home insurance policies. If you’re interested in learning more, don’t hesitate to reach out to us today.

Renters Insurance: Protecting What Makes Your Home a Home

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Today, renting is more popular than ever before. This trend is driven by several factors, including the rise of remote work options and a more mobile lifestyle. Regardless of why or where you rent, it’s always a good idea to protect the things you care about. That’s why so many renters in the Kannapolis, NC area rely on the trusted and professional team at Pethel Insurance Group for all their renters’ insurance needs.

Renters Insurance: Protecting What Makes Your Home a Home

Whether you rent or own your residence, what makes a home is often the people and the cherished items within it. The old grandfather clock that chimes every hour, the items that carry our memories, stories, and family history – these are the things we can protect with renters’ insurance. That’s why many renters turn to the helpful and friendly team at Pethel Insurance Group for renters’ insurance solutions.

Renters Insurance for Kannapolis, NC Area Renters

If you live in the Kannapolis, NC area and rent your home, you might be interested in how renters’ insurance can help protect the things you care about. We can help. Contact us to learn more and schedule an appointment for all your rental insurance needs. Protect what matters to you with renters’ insurance solutions from Pethel Insurance Group today.

My Motorcycle is Stored: Do I Need Insurance Coverage?

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You might wonder if you are required to have motorcycle insurance if it is stored in a garage or warehouse. The answer is, "yes." The North Carolina motor vehicle law requires all motorcycle operators to purchase insurance, whether you are actively riding it or storing it. It doesn’t seem right to have to carry coverage if you aren’t riding it, but the expert team at Pethel Insurance Group, serving Kannapolis, NC, wants you to protect your investment. If you store your motorcycle for a long time, you can cancel or suspend your insurance if you give your license plate to the North Carolina Division of Motor Vehicles (NCDMV). Once the plate is turned in, you can cancel your liability insurance without penalties.

Why Should I Keep Motorcycle Insurance If It is Stored Long Term?

Insurance protects your investment. Remember that if you don’t have insurance coverage while stored, and your motorcycle is stolen, damaged, or affected by a natural disaster, you have to pay for the repair or loss. If you are storing it for a long time, consider comprehensive coverage. This insurance will protect your motorcycle from fire, theft, vandalism, or natural disasters like fire and flood.

Protect Your Motorcycle and Get Peace of Mind

It’s essential to carry insurance whether you are riding your motorcycle or not. Before you cancel your motorcycle insurance, consider the pros, cons, and risks. Your bike is a valuable investment. If you don’t have the proper coverage and the unexpected happens, you must pay for the damage or loss out of your own pocket. Pethel Insurance Group, serving the Kannapolis, NC area, offers a range of motorcycle insurance options. Our experienced agents can provide a policy tailored to your needs. Contact us today.

At What Age Should I Get Life Insurance?

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Life insurance is often associated with older individuals, people who are well into life and want further protection to ensure that those who depend on them most are capable of getting through life with the financial support left behind by life insurance. While life insurance is best for those who have dependents, these milestones may vary from person to person. So, when should you get life insurance? Is there a specific age? If you’re asking these questions, here’s some further guidance on when you should consider getting life insurance and how you can begin shopping for an insurance policy with our support at Pethel Insurance Group in Kannapolis, NC.

When Should You Get Life Insurance?

Speaking to age, the best time to consider life insurance is early in life, specifically around your 20s, although your 30s is still a good time as well. Because most 20-year-olds are young and healthy, securing a life insurance policy during this time is a great way to take advantage of early premiums and begin protecting yourself and others early on. But more than that, when in life should you get life insurance? What are the circumstances that you should consider when you’re thinking about life insurance? Life insurance is often best for those who have dependents as they will likely be unable to support themselves in the event of your untimely passing financially. However, life insurance can also be a valuable investment when you have debt, want to cover funeral costs, and even if you’re looking for alternative investment opportunities as a single person.

Shop Life Insurance With Us Today!

If now is the time to shop for life insurance, you can trust us here at Pethel Insurance Group in Kannapolis, NC to make the process seamless. Compare quotes now or contact us today!

Do Single Vehicle Accidents Require a Police Report For an Insurance Claim?

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As a conscientious driver in North Carolina, you maintain your car insurance to ensure you’re covered in case of an incident. The severity of incidents can vary, and as we at Pethel Insurance Group, serving Kannapolis, NC, know, a driver may often experience a single-vehicle accident.

Understanding Single Vehicle Accidents

A single-vehicle accident involves only one vehicle. Even if other vehicles are present on the road, only one vehicle is involved in the accident. Examples include:

  • Colliding with a tree
  • Striking infrastructure (light post, sign, curb, etc.)
  • Crashing into property (house, garage, etc.)

Is a Police Report Required for a Single Vehicle Accident Insurance Claim?

Often, single-vehicle accidents require a police report for insurance purposes, depending on the circumstances. A police report serves as an official record of the accident, providing details that can assist your insurance company in processing the claim more efficiently. While not all single-vehicle accidents legally require a report, filing one to protect your interests is generally recommended.

When a Police Report is Required

According to North Carolina law, a police report is required if the accident results in injuries, death, or property damage exceeding $1,000. This includes situations like hitting a utility pole, guardrail, or other roadside objects. Even if the accident seems minor, reporting it can provide documentation that may prevent disputes later. Without a police report, your insurer might question the legitimacy of your claim, potentially delaying or even denying coverage. Filing a report is particularly important if external factors contributed to the accident, such as hazardous road conditions, wildlife encounters, or mechanical failure. In these cases, the police report can support your claim by documenting the external cause of the accident.

If you experience any damage-related incident with your vehicle, please get in touch with Pethel Insurance Group, serving Kannapolis, NC, for assistance with your claim.

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