This insurance guy is a big scam and rip off... wouldn't waste the time of day doing business with him or his agency. BE CAREFUL... I'm filing a complaint with the N. C. Department of Insurance in hopes of getting his insurance license revoked. He should be run out of town on a rail and never be allowed to operate again! If you want to get ripped off, take your business to him. Tell your friends and neighbors to BEWARE ....