Frequently asked questions
What does it mean that L&L is an independent agency?
We don't work for a single insurance company. We represent more than 40 companies, so we can compare prices and coverage for you and move your policy if another company offers a better deal at renewal. See the companies we represent.
How much does it cost to get a quote?
Nothing. Quotes are free and there's no obligation. Request a quote, call 1-888-311-4660 or send us a WhatsApp.
Can I be helped in Spanish?
Yes. Every office and every line of insurance is handled in Spanish and English by our own staff — no interpreters.
What do I need to get an auto insurance quote?
The driver's license information for each driver in your household, the year, make, model and VIN of each vehicle, the address where the vehicles are kept and, if you have one, the declarations page of your current policy.
When does my coverage start?
It depends on the company and the type of coverage. A request through our website doesn't start or change a policy: your coverage starts when an agent confirms it with you and tells you the effective date.
What are the minimum auto insurance limits in North Carolina?
For policies issued or renewed since July 1, 2025: $50,000 per person and $100,000 per accident for injuries, and $50,000 for property damage (50/100/50), plus uninsured/underinsured motorist coverage. The minimum is the least the law allows, not a recommendation. Read our guide.
How do I pay my bill?
In our Client Center you'll find the payment links and phone numbers for each company. You can also call us and we'll help you.
How do I report a claim?
Call your insurance company's claims line as soon as possible — most are open 24 hours. You'll find each company's claims number in our Client Center. Then call us during office hours and we'll help you follow up.
Can you send a certificate of insurance (COI) for a contract?
Yes. Request it in our Client Center with the certificate holder's name and address and any special wording the contract asks for.
My price went up at renewal. What can I do?
Ask us to re-shop it. That's what an independent agency is for: we compare your policy with other companies, and if one offers a better price for the same coverage, we can move it.
Can you help me enroll in Obamacare?
Yes. We help you check what subsidy your family qualifies for, compare the plans available in your county and complete the application, in English or Spanish. Learn more.
What are your office hours?
Monday to Friday, 9 AM to 5 PM, in Lincolnton, Winston-Salem and Clinton. The Winston-Salem office also sees clients after hours and on Saturdays by appointment.
Don't see your question? Call 1-888-311-4660, send us a WhatsApp or visit any of our three offices.