A & A Insurance Of Mount Airy

10/07/2025

🗓️It’s almost that time for our Annual Trunk-or-Treat event, held downtown on Saturday, October 25th!!! 👻🎃

🍭Trunk-or-Treat: 5-6:30pm
🧟”Monsters on Main” costume parade: 7pm

❗️If you haven’t already, don’t forget to Sign Up here to pass out candy (participating Main Street businesses included):
https://www.cognitoforms.com/TOWNOFPILOTMOUNTAIN2/TrunkorTreatSignUp2025
(Set up and road closure by 4:30pm.)

It is FREE to participate, but signing up helps us get an accurate count to assign spots.
After you sign up, you will receive an email with your placement and additional information the week of the event. 

10/07/2025

08/27/2025

Have a safe and happy holiday weekend!
Thank you for your business.

05/28/2025

Upcoming law changes in North Carolina
During the recent North Carolina General Assembly sessions, legislation was passed that
impacts North Carolina vehicle insurance. Some of this legislation is complex and specific
implementation questions are still being addressed. While none of the changes to rating and
coverage requirements go into effect until July 1, 2025, the following is a summary of the
legislative changes that impact rates and coverage. As we get closer to the July 1, 2025,
effective date of these changes, further details will be provided.
Minimum Limits
For all new and renewal liability policies effective on and after July 1, 2025, the minimum Bodily
Injury limits shall increase from $30,000 per person and $60,000 per accident to $50,000 per
person and$100,000 per accident. Property Damage Liability minimum limits shall change from
$25,000 per accident to $50,000 per accident.
Uninsured and Underinsured Motorist
For all new and renewal liability policies effective on and after July 1, 2025, every policy shall
include both Uninsured Motorists (UM) and Underinsured Motorists (UIM) coverage. Concurrent
with this change, statutory language has been changed by the NC General Assembly that
broadens UIM coverage. The increased rates for UIM coverage have not yet been determined
by the North Carolina Rate Bureau and North Carolina Reinsurance Facility
Prayer for Judgement Continued
Effective July 1, 2025, a Prayer for Judgement Continued (PJC) for any violation shall not carry
a premium surcharge unless there is another PJC in the prior five years (currently three years).
Inexperienced Drivers
For drivers obtaining their driver’s license for the first time on and after July 1, 2025, the
inexperience period will increase from three to eight years. This change does not impact drivers
licensed prior to July 1, 2025. Concurrent with this change, there may also be “discounts”
prescribed to reduce the inexperience surcharge for drivers that remain free of at-fault accident
and conviction free (including PJC’s). The surcharge factors and inexperienced discounts have
not yet been determined by the North Carolina Rate Bureau and North Carolina Reinsurance
Facility.
Major Convictions
For all convictions occurring on and after July 1, 2025, which assign four or more points (other
than speeding in excess of posted speed limit), the conviction shall have a chargeability period
of not less nor more than five years (previously three years).
Waivable Speeding
Convictions of “speeding less than 10 miles per hour over the posted speed limit” occurring on
and after July 1, 2025, will still be waived as long as there are no chargeable convictions (other
than a PJC) in the previous five year period (currently three years).

04/02/2025

Be the light..

04/01/2025

It is almost time.

Camping with dogs is a lot different than camping with a group of humans. Here are some things you should consider.

01/24/2025

PUBLIC SERVICE ANNOUNCEMENT
A Message from Insurance Commissioner Mike Causey

Last week, the North Carolina Department of Insurance ended its legal dispute with insurance companies on their proposed homeowners’ insurance rate increase filed in January 2024.

Under the agreement I signed with the N.C. Rate Bureau last week, the average statewide base rate will increase by 7.5% on June 1, 2025, and 7.5% on June 1, 2026.

Here are the changes broken down by territory.

The insurance companies original request for homeowners’ rates averaged 42.2% statewide, including up to 99.4% in beach areas in the southeastern area. I negotiated those numbers down to 15.5% over two years, with a maximum of 35% over two years in any territory. We consider this settlement a win for homeowners and for North Carolina.

In addition, this agreement prohibits the Rate Bureau from undertaking an effort to increase rates again before June 1, 2027.

While the settlement was a long process, I am proud of the efforts the department ultimately took to save homeowner’s money, one that is clearly outlined by state law. That amount is approximately $777 million in insurance premiums over the next two years compared to what the insurance companies requested. Since I took office in 2017, I have said “No” to every proposed increase sent by the Bureau.

As your Commissioner, I will always work hard to ensure our rates, which are some of the most affordable in the nation, remain as low as possible.

Insurance regulation in North Carolina is a balancing act. These rates are sufficient to make sure that insurance companies, who have paid out large sums due to increases in claims payments, have adequate funds on hand to pay future claims. Looking at the insurance climate and choices in other states, North Carolina is fortunate to have a healthy insurance market, giving consumers more choices than some other states.

If you need help with a claim or have a question about your homeowner’s insurance, we’re here to help. You can contact us by visiting www.ncdoi.gov, by calling 855-408-1212 or by emailing me directly at [email protected].

Thank you and God Bless,

Mike Causey
N.C. Insurance Commissioner

The Department of Insurance currently has openings in our Life and Health Division for Insurance Analysts and an Administrative Specialist. Apply today! Learn more

11/27/2024

We will be closing early today, off Thursday, and Friday! Give Thanks!