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Hausmann Insurance & Financial Services Blog

Category: Insurance

Can I Add My Classic Car to My Regular Auto Insurance?

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When residents of Charlotte and Waxhaw, NC, need auto insurance for their classic cars, they often wonder if their vintage vehicle can be added to a regular auto insurance policy. Our team at Hausmann Insurance & Financial Services is here to help you secure the coverage you need.

Classic Car Insurance vs. Regular Auto Insurance

While adding your classic car to a regular auto insurance policy might seem like a convenient option, it is not advisable. Regular insurance policies for cars, trucks, or SUVs do not account for the unique value of a registered classic car or the specialized needs it requires for repairs and replacement parts.

Specialized Classic Car Insurance

As a classic car owner, protecting your investment with the right type of insurance is essential. If your car qualifies as a classic under North Carolina’s guidelines, you’ll want coverage that applies when the car is used for parades, exhibitions, and occasional driving.

Specialized classic car insurance policies insure your vehicle for its agreed-upon value rather than its market value in the event of an accident where the car is deemed a total loss. These policies may also include coverage for restoration work, specialized tools required for your specific type of classic car, and unique parts needed for repairs and replacements.

Additionally, these policies provide liability coverage for injury or damage to others when you are at fault, uninsured or underinsured motorist coverage, and medical expense coverage.

Contact Us

Whether you’re in Charlotte or Waxhaw, NC, you want your classic car to be protected at all times. With assistance from Hausmann Insurance & Financial Services, we’ll ensure you have the right policy for your vintage ride. Contact us today to learn more.

What Type of Medical Bills are Covered by Renter’s Insurance?

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Understanding Medical Coverage under Renter’s Insurance

While renter’s insurance is not entirely compulsory for residents of Charlotte and Waxhaw, NC, it is often required by numerous landlords. It provides a slew of benefits, including coverage of certain medical expenses.

Medical Bills and Renter’s Insurance

Generally, any medical expenses arising due to an injury on the rental property are insured under your renter’s insurance policy. For instance, if a guest slips in your kitchen and twists their ankle, your renter’s insurance policy will take care of their medical bills. Similarly, if a courier trips on your front steps, the insurance policy can cover hospitalization charges, medication costs, and even certain mental health services.

Exclusions in Renter’s Insurance

On the contrary, all dog bites are not covered under the renter’s insurance. Ensure to scrutinize the policy for the list of dog breeds covered. It won’t be covered if your dog breed doesn’t figure in this list. Injuries attributable to pest infestations also don’t fall under the purview of a renter’s insurance policy. Furthermore, self-inflicted injuries and incidents outside the rental property are never covered.

Insurance Advice You Can Trust

Before renting a home in Charlotte or Waxhaw, NC, discuss with your prospective landlord about the type of coverage you’ll need for your renter’s insurance policy. Hausmann Insurance & Financial Services, with years of service to North Carolina residents, can provide further insights into renter’s insurance coverage preferences. We’re eager to assist you in choosing coverage that caters to your needs without stretching your budget.

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