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.