James Shaffer
James Shaffer James Shaffer is a writer for InsurancePanda.com and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.

Does Car Insurance Follow the Car or the Driver?

One of the most commonly asked questions in the context of auto insurance is whether car insurance follows the vehicle or the driver. There is no clear answer to this question. An array of variables are in play ranging from the type of insurance to Read More…

What Is the Arbitration Process Like for Car Accidents?

Some auto accidents cannot be settled out of court.  There is no shame in turning down a settlement offer and pursuing arbitration. If you are disappointed in the insurance carrier’s final offer after a few rounds of settlement negotiations, do not begrudgingly accept it.  Take Read More…

Diminished Value Claims Explained

An automobile involved in a collision is almost certain to have a diminished value stemming from dents, structural damage, chipped paint, scratches, reduced functionality, and other damage.  If you are even slightly suspicious an accident reduced the value of your vehicle, you should file a Read More…

How to Insure Your Used Car the Right Way

Purchasing a pre-owned vehicle and insuring it is not the same as if you were to drive off the lot with a brand-new car. You should always consider how much it will cost to insure a used car before you sign any paperwork and actually Read More…

How to Negotiate an Auto Insurance Settlement

Getting into a car accident can be really stressful, especially if you have no experience in negotiating an auto insurance settlement. People who aren’t aware of the settlement process often end up getting a low settlement amount from their insurance claims adjuster. This is why Read More…

Why is Car Insurance So Expensive in California?

The state of California is big. In some ways, it could serve as its own country, mainly because it spans over 900 miles from top to bottom – rivaling some countries in Europe. To exacerbate the issue, California has a population of 39.54 million residents Read More…

Will Auto Insurance Cover Fire Damage?

Most consumers go through life thinking that they have their automobile insurance there in case of theft, vandalism, or a collision. One incident they might not think about is that of a fire. Automobile fires happen. Approximately one out of eight fires responded to by Read More…

Temporary and Short-Term Car Insurance Coverage Explained

Too many insurance companies toss around the term “short-term” or “temporary” car insurance but rarely explain it. Even those who try to explain leave out key details because they don’t offer true temporary coverage. Temporary coverage is hard to find, but not impossible. By knowing Read More…

State-by-State Auto Insurance Requirements

It is state law to carry auto insurance regardless of where you live in the United States. Only New Hampshire and Virginia do not strictly require you to have insurance coverage. The amount of insurance you are required to carry, however, varies by state. Each Read More…

How to Save Money on Your Car Expenses

This is the ultimate guide on how to save money on your car expenses. We all probably overspend in at least one area we cover in this guide. We’re going to take a comprehensive look at how to save money on your car – from Read More…

How Many Accidents Before Insurance Drops You?

So you’ve been in a few accidents. You may be wondering: how many accidents does it take before car insurance companies start to get annoyed? Will car insurance companies eventually drop you if you have too many accidents? Today, we’re explaining how many accidents you Read More…

How to Move from High-Risk to Standard Car Insurance

Insurance companies categorize drivers based on risk. Certain drivers are seen as “high risk”. These drivers need to pay higher premiums than other drivers. Fortunately, these high prices don’t last forever: eventually, a high-risk driver will be able to purchase standard car insurance once again. Read More…

What Are the Most Common Car Insurance Claims?

If you’re a new driver, you know that you need to have insurance coverage before you take your car out on the road. But there are a lot of questions when it comes to car insurance coverage. One of the most frequently asked questions concerning Read More…

Top 10 Auto Insurance Companies for New Drivers

Getting car insurance as a new driver can be an intimidating process. Fortunately, it doesn’t have to be scary. Thanks to easy online car insurance comparison websites like our own, it’s easier than ever to compare car insurance for new drivers. For the purposes of Read More…

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