Our agency provides coverage for more than your family sedan. We also insure motorcycles, classic cars, muscle cars, antique automobiles and military type vehicles. We just returned from the Oakboro (NC) Cruise In, a monthly event held on main street and featuring hundreds of vehicles lovingly restored and maintained by their owners. My son, Robert, shot the photos of just a few using his cellphone camera.

Do you or someone you know, text while driving?

It is now against the law in North Carolina, but most people who text while behind the wheel continue to do so knowing that they probably won’t get caught.

However, a ticket might be the least of your worries as this Public Service Message from the U.K. points out.

Click on the picture to see the video.

Be warned that this video is very graphic and not suited for small children.

Effective Jan. 01, 2009, the State of North Carolina has revised the law concerning Uninsured and Underinsured Motorist Coverage. This coverage is now mandatory. In addition, the coverage limits must match the Liability Bodily Injury and Property Damage Coverage on the policy. As before, if you only carry minimum limits, underinsured motorist coverage is not available.

I never recommend that my clients carry minimum limits of insurance. With the high cost of medical care you may find that you have a coverage gap if you are at fault in an accident. That’s when the lawsuits start arriving and you do not want that to happen. I recommend the highest limits available and then a personal umbrella above those limits. The cost of these policies are much less expensive than the cost of a lawsuit. And with those higher limits of Uninsured and Underinsured Motorist Coverage you have provided protection for your self and your passengers in the event of a not at fault accident. Either way you win!