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Lee Insurance Agency LLC

119 W South Railroad St, PO Box 1212
Four Oaks, NC 27524

Are There Drivers Who Don’t Need Auto Insurance?

At Lee Insurance Agency LLC, we get asked all the time if there isn’t some kind of alternative to car insurance. Many people even wonder if specific drivers don’t have to be insured. In this state, you need to be insured…unless you’re willing to spend more money on an alternative way of keeping your car safe. Here’s what you need to know.

Insurance is Mandatory in North Carolina…Except When…

While North Carolina is one of the 48 states in the nation that requires people to buy car insurance, they are also one of a handful that allows people to purchase bonds instead of an insurance policy. How does this work? Individuals who don’t want insurance pay into a bond provided by a surety company. 

Then, when an individual crashes their car or needs any repairs, they get money directly from this bond instead of an insurance company. However, they must eventually pay back the money in this bond to keep it at a set value. In this state, the minimum amount is $85,000 for uninsured drivers. 

So, while this is a valid and legal option for drivers in this state, it is expensive. And it can affect a person’s credit score. For example, drivers without car insurance may find their score declines, even if they have a surety bond that helps pay for any damage that their car may experience. 

It Is Best to Stay Insured 

While surety bonds may be a good choice for some people, we at Lee Insurance Agency LLC believe that insurance makes more sense. So if you want a policy and would rather not invest in a surety bond instead, please call us today to learn more. Our team will help set you up with a high-value policy that makes sense for your needs. 

What Does Boat Insurance Cover?

Most people do not pay attention to boat insurance, as the number of boat accidents is few, and it is not mandatory in most states, including North Carolina. However, having boat insurance can come in handy because you are exposed to various risks from which you need protection. As Lee Insurance Agency LLC explains, here is what is covered under boat insurance.

Physical Damage

It helps cover damage caused by different perils like fire and vandalism. Also, if your boat is stolen, whether on land or water, this coverage can help replace it. Since the owner bears the responsibility of taking care of their boat, normal wear and tear are not covered under physical damage coverage. However, physical damage covers things like batteries, motors, anchors, and safety equipment such as fire extinguishers.

Medical Payment Coverage

Suppose you get into an accident where either you or your passengers get injured. In that case, this type of coverage helps take care of the resulting medical expenses, including hospital bills, medication, and X-rays.

Liability Coverage

If you cause damage to other people’s boats or structures while sailing, your boat covers any arising expenses you might incur. Liability coverage can also provide protection when a third party is suing you for damages, where it helps cover legal fees or a settlement. As a policyholder, it is always a good idea to talk to your agent first before purchasing coverage.

Uninsured/ Underinsured

Considering that boat insurance is not mandatory, it is possible that you may get into an accident with someone uninsured. In other cases, the other party might also be uninsured. This type of coverage helps cover any expenses arising from such an accident.

If you are a boat owner in North Carolina, consider the peace of mind you might enjoy as you sail in a boat, knowing you are fully covered. Contact us today at Lee Insurance Agency LLC where we can help you choose a suitable policy.

Does my car qualify for classic car insurance?

You may have purchased a fabulous older vehicle that you love and want to protect. You may have purchased what others considered an old junker, but you restored it to its original pristine glory because you are just that talented of a mechanic and bodywork artist. Depending on its age, you might need to purchase classic car insurance for it from Lee Insurance Agency LLC of North Carolina.

Obtaining classic car insurance means you buy a policy with an enhanced replacement value that limits the mileage you can put on the vehicle annually. Typically, this limits you to 1,000 driving miles per year.

Classic car insurance policies use agreed-upon value coverage. That provides you with the amount you would receive if your vehicle got totaled in an accident. This amount is based on an appraisal of the vehicle conducted at the time you obtain coverage. You can opt for a cash settlement option which lets you use the money obtained if the vehicle gets totaled or stolen any way you want.

The classic car policy will also cover items like you driving the vehicle in parades or showing it at car shows. The car show component also includes medical coverage in case someone becomes injured while using or interacting with your vehicle.

The same policies cover an expert mechanic who specializes in classic or exotic vehicles. You also get spare parts coverage so if your car incurs damage or a thief steals a part off of it, the replacement part is covered. This means an original part, so your classic remains a classic. Your insurance will cover OEM parts only.

Not all cars qualify for classic car insurance. Age provides one valuation criteria, but increased value over time provides another. Rarity provides the final component.

You can purchase add-ons for your policy that increase the replacement value. Otherwise, you would pay the difference out of pocket in the case of an accident.

These policies also cover roadside assistance and a no attendance required component. That protects your vehicle at a car show when you must step away from it. You have to go to the bathroom or get something to eat sometime.

Contact Lee Insurance Agency LLC serving North Carolina to learn more or obtain a classic car policy for your vintage vehicle.

Unexpected Lawsuits Your North Carolina Umbrella Insurance Will Cover

Umbrella insurance is the insurance you get when you know the caps on your existing liability and property insurance won’t cover worst-case scenarios. Umbrella insurance functions metaphorically as an umbrella to cover you when it rains big problems. You might be found at fault for a problem you wouldn’t even imagine ever happening to you. 

At Lee Insurance Agency LLC, serving North Carolina, we know that you might need an umbrella on occasion but aren’t sure why. Here are some examples of unexpected lawsuits that your North Carolina umbrella insurance will cover.

Car Accident Liabilities

You know the basics of auto accident insurance in North Carolina. In most cases, your car insurance will pay for the damages from an accident.

If you are found to be liable, your insurance will pay for that too. Let’s say your car accident winds up breaking someone’s legs. Your insurance will pay for those medical costs.

But what if the legs that broke in the accident were gold medalist legs, and you wound up taking someone out of competition for the next four years. We’ve got an umbrella insurance policy for you because that’s an expensive problem.

Social Media Liabilities

Umbrella insurance is commonly used for defamation problems, but you could also be sued for harassment and pain and suffering. This happens a lot to people that say the wrong thing at the wrong time in a public forum.

Perform a random search online with social media outlets and the phrase "lawsuit," and you may be surprised. Someone could cash in on one of those comments. There is umbrella coverage for that.

Renters Insurance

Sometimes when there’s a problem in an apartment building or rented home, there are many problems. Property damage occurs. Someone that came to look at that slips and falls, and the problem never ends. This is another area that umbrella coverage is for.

Get a Free Quote

The thing about umbrella insurance is that it is there in case of emergencies. There are millions of potential emergencies you could have. Get a free quote from Lee Insurance Agency LLC serving North Carolina. We will make sure you are covered. Don’t let lawsuits turn into a life crisis.

Why boat owners in North Carolina need boat insurance?

A boat owner in North Carolina will enjoy the long summer months and access to open waters. If you would like to own a boat here, you need to make sure you get the right type of coverage. There are a few reasons that boat owners should get the right coverage and protection for their boats in this area. 

Protect Investment in Boat

Many boat owners in this state will get an insurance plan so they can protect their investment in their boat. Boat owners will spend a lot of money buying, maintaining, and caring for their boats over the years. To ensure that this pays off in the long run, you should get proper insurance. With boat insurance, you will have coverage to mitigate many scenarios that could result in a loss.

Insurance is an Obligation

A boat owner may also need to get proper insurance for it because it could be an obligation. If you have taken out a boat loan or use certain marinas or waterways, having insurance may be a contractual obligation. With a full insurance plan, you will stay in compliance with all agreements while also having ample coverage against the risk of liability and other forms of loss. 

In the state of North Carolina, you will want to know that your boat is properly covered with insurance. As there are many choices to make when picking a new plan, you should call Lee Insurance Agency LLC. The team that works with Lee Insurance Agency LLC knows the value that comes with this type of coverage. They will give you the guidance to understand your options and choose a policy that provides adequate protection. 

Who needs motorcycle insurance in North Carolina?

The state of North Carolina can be a great place to own a motorcycle. The nice weather in this state provides many chances to take your motorcycle out on the open road. If you decide to invest in a motorcycle here, you will want to ensure that you have proper insurance coverage. There are many situations when someone will need to have this protection here. 

Those that Want to Protect Their Motorcycle

When you need to get a motorcycle insurance plan in this state, you will want to protect your motorcycle. Getting a motorcycle is an investment that you should take seriously. A great way that you can protect this important asset is by investing in insurance for it. With a full plan, you will get coverage to cover damages or even replace them if the motorcycle is stolen or damaged.

Those that Want to Drive Legally

Another reason you will need to get a motorcycle plan in this state is to drive it legally. If you would like to drive any vehicle on a public road, you will be required to have liability insurance at all times. If you do not have this coverage when on the road, you could be penalized and even lose your right to operate the motorcycle. 

A North Carolina resident that wants to drive a motorcycle would benefit by having insurance for this asset. As you are looking for a new plan here, it would be good to call Lee Insurance Agency LLC. The team with Lee Insurance Agency LLC understands the needs and options that you will have. They can then help you build a plan that is curtailed to meet your needs. 

What North Carolina residents need to know about flood insurance policy

North Carolina does not require homeowners to buy flood insurance, but those residents who own houses in flood-prone areas may be required to buy coverage to qualify for a mortgage. It is also wise for residents who do not reside in high-risk flood areas to consider buying flood insurance because standard homeowners policy does not cover damages related to flooding.

The price of flood damage can easily reach tens of thousands of dollars, even with a few inches of water. Studies reveal that North Carolina is susceptible to many flood-related disasters, including seasonal heavy rains and hurricanes annually. It is vital to understand that NFIP(National Flood Insurance Program) does not cover some events such as loss of income. Therefore it’s prudent to consider buying some policies from authorized private insurance companies in the state of North Carolina.

The private flood insurance companies provide a wide range of policies, and there is the likelihood of meeting your needs. Contact our agents at Lee Insurance Agency LLC in North Carolina and acquire an outstanding insurance policy that will guarantee your protection if flood-related damages occur unexpectedly.

What is covered under the flood insurance policy offered at Lee Insurance Agency LLC?

We have two coverages as prescribed by NFIP:

  • Structure(dwelling)
  • Content(property)

Structure coverage covers:

  • Standard home systems like central AC, furnace, and electrical wiring.
  • Wall, windows, doors, and roof.
  • Built-in appliances such as refrigerators.
  • Permanent carpeting.
  • Detached garages.
  • Debris removal.

Property coverage covers:

  • Furniture and movable -floor covering like rugs.
  • Electronics.
  • Clothing.
  • Curtains.
  • Portable appliances such as window air conditioners and microwaves.
  • Frozen food but not refrigerated.

What is not covered under flood insurance.

  • Decks.
  • Fences.
  • Trees and plants.
  • Hot tubs and pools.
  • Precious metals.
  • Cash and stock certificates.
  • Landscaping.
  • Outdoor paths.

Flooding is an imminent natural calamity in the entire United States, costing billions annually. Contact us or visit our Lee Insurance Agency LLC in North Carolina to avert financial ruin associated with inefficient flood insurance coverage.


How much life insurance is enough

Life insurance allows you to provide a safety net for your loved ones in the event you pass away. No matter what point you are at in your life, you may not have acquired the assets to maintain the lifestyle you are currently enjoying. Life insurance provides the additional funds you may need to bridge the gap. Residents of North Carolina can turn to the Lee Insurance Agency LLC for the help needed to decide how much life insurance is enough. Our family-owned agency is committed to putting our customer’s needs first. 

The amount of life insurance that is enough for you personally is not a one size fits all amount. Many different factors go into determining that figure. Even in your own lifetime, your life insurance needs are likely to change. 

Your age

If you are very young or alternately very old, your insurance needs will be smaller than they will be during the prime of your life. The cost of life insurance is lowest for the young so getting a policy to keep for life when you are young is a good investment.

Your debt

Your life insurance should be enough to clear any debt you have. This can be a mortgage or just normal monthly bills. Your final expenses should also be included when figuring this. 

Your dependents

Not everyone has people who count on them and their income. But for those who do, providing for them in the event of your death is something they are counting on. You need to make sure your children are provided for and your spouse or partner as well. How much life insurance is needed depends on the age of your children and your income. It has been suggested a minimum of seven years of your income is what is needed. 

If you live in North Carolina, contact the Lee Insurance Agency LLC, and we will be happy to help make sure you have enough life insurance. 


Does my auto insurance cover me in a rental car?

Many occasions arise when you are driving a rental car. If you are flying to your vacation destination, you may want to see the sights, which requires renting a car. You may rent a truck to move something or your entire family. You might have a problem with your vehicle and need to get it serviced. While it’s in the shop, you need a rental. Whatever the reason, you will be faced with many questions about insurance and whether or not you want to get the insurance offered by the rental company. At Lee Insurance Agency LLC in North Carolina, we place our customers first, and we are there for you no matter what you need. 

Rental car companies offer a variety of coverages. 

  • Loss/collision damage waiver
  • Supplemental liability coverage
  • Personal accident insurance
  • Personal property coverage

The simple answer to the question, does my auto insurance cover me in a rental car is maybe. It really depends on what type of coverage you have on your auto insurance policy. Whatever you have should cover you the same way when you are in a rental car. If you have liability coverage that you feel comfortable with while driving your own vehicle, it will be just as comfortable in a rental vehicle. So you can skip the supplemental liability insurance. 

If you have full insurance coverage, you are covered for accidents and damage to the vehicle, but it may or may not extend to a rental car. You should call your insurance carrier to verify if your coverage extends to rental vehicles. When in doubt, take the collision damage waiver. 

If you have health insurance, you don’t need personal accident insurance, and if you have a home or renters insurance policy, you don’t need personal property coverage. 

Contact Lee Insurance Agency LLC in North Carolina to discuss all your insurance needs. 

A Guide To Help Businesses Find The Right Commercial Insurance Policy

Lee Insurance Agency LLC assists residents throughout North Carolina by helping them find multiple types of insurance coverage. We offer our clients policies that suit their individual needs. We are proud to serve the community.

Commercial Insurance

As a business owner in North Carolina, it’s important that you protect your investment. Commercial insurance will assist you as you deal with many of the challenges associated with running a business daily. The policy primarily protects your business against an emergency that could damage the long term future of your business.

You will also be protected if your property and inventory are damaged or stolen. Business interruption coverage protects your business if a natural disaster causes severe damage to your business and leaves you unable to operate or perform daily tasks for an extended period of time. Liability coverage is also important. Accidents can happen at any time. Liability coverage protects your business if a customer is injured on the premises or if a faulty product damages them. You can add workers’ compensation to protect your business and your employees if one of your employees gets injured in the workplace.

You can amend your policy based on your needs. If using vehicles is an important part of your business, you can add commercial auto coverage. This will cover your vehicles while you and your employees are out on the road, and a collision occurs. Commercial vehicles are also protected if they are vandalized or someone attempts to steal them.

If you have a large online presence, consider adding cyber liability coverage. Your business will be protected if hackers infiltrate sensitive data related to your business. The policy also covers you if someone alleges slander based on an online post.

Lee Insurance Agency LLC Will Help You Protect Your Business

For more information on commercial insurance, visit our website today!

Partner Carriers

  • AAA
  • American Modern
  • ASI
  • Cabrillo Coastal
  • Dairyland
  • Foremost
  • Hagerty
  • Kemper
  • MetLife
  • monthly payment plan
  • National General
  • NC Grange
  • Progressive
  • RLI
  • Safeco
  • The Hartford
  • Tower Hill
  • Travelers
  • Universal Property & Casualty
  • UPC
  • Wright Flood