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Become an insurance expert in no time by skimming through the pages of our insurance guide. Learn what affects your auto insurance rates, how to save money by comparing quotes, and which insurance companies are the most reliable. Make sure to bookmark our “Insurance Guide” and to check back from time to time to see newly added articles and features.
Uninsured motorist property damage insurance (UMPD) covers vehicle repair and replacement costs after an accident with an uninsured driver. UMPD also covers vehicle repair and replacement costs in situations where the other driver was unknown – say, in a hit and run. Along with uninsured Read More…
Uninsured motorist bodily injury insurance, or UMBI, is a type of car insurance that covers injuries caused by uninsured drivers. UMBI also covers injuries in situations where the other driver is unknown – like with a hit-and-run accident. Approximately 1 in 7 drivers in America Read More…
When shopping for auto insurance, you need to decide whether you want liability coverage or full coverage. What’s the difference between liability and full coverage car insurance? Which one is right for you? Liability coverage protects other people from damage you inflict. If you cause Read More…
When shopping for car insurance, you may hear the term ‘misrepresentation’ thrown around without fully understanding what it means. Misrepresentation is a type of car insurance fraud, and many people commit it without a full understanding of the potential consequences. It’s important to understand the Read More…
A Letter of Experience can play a crucial role in the insurance process. A Letter of Experience, also known as a Letter of Claims Experience, may be required to prove your insurance history. If you are looking for a new insurance policy, or if you Read More…
The actual cash value of your car plays a crucial role in the insurance claim process. After a total loss insurance claim, your insurer will likely reimburse you based on the actual cash value of your vehicle. Today, we’re explaining how to find the actual Read More…
Property and casualty insurance is an umbrella term that includes many types of insurance policies. Car insurance is a type of property and casualty insurance, as is homeowners insurance and renters insurance. Today, we’re explaining everything you need to know about property and casualty insurance, Read More…
The moments after a car accident can be disorienting. It’s difficult to process what just happened and determine what the appropriate next step should be. One of the most important things to do in the moments following a car accident is to get witness statements. Read More…
A total loss insurance claim can be costly. If a car is declared a total loss, it means the repair cost exceeds the actual cash value of the car. What happens if your car is a total loss? What does it mean for your insurance Read More…
Uninsured motorist coverage covers certain damage if you collide with a motorist who doesn’t have insurance. In certain states, uninsured motorist coverage is required by law. In other states, uninsured motorist coverage is not required, although it may still be recommended. Today, we’re explaining everything Read More…
After a car accident, your insurance company and the insurance company of the other party in the accident will work together to determine who is at fault for the accident. Fault in a car accident will affect the amount of money you could potentially receive Read More…
Your credit score significantly impacts your car insurance premiums. A driver with good credit will pay less for car insurance than a driver with bad credit, all other things being equal. How exactly does your credit score impact car insurance rates? What other financial information Read More…
If you were in an accident and have medical bills, then those medical bills need to be paid. Does insurance pay for medical bills after a car accident? Who pays for car insurance after an accident? Does your car insurance or health insurance provider cover Read More…
Collateral protection insurance is a type of car insurance that protects a vehicle if a borrower fails to insure that vehicle. This type of insurance is also known as lender-placed insurance or forced car insurance. Keep reading to learn everything you need to know about Read More…
Insurance coverage is the amount of risk or liability covered for an individual or entity through an insurance policy. Auto insurance, for example, provides coverage to your vehicle. Home insurance provides coverage to your house. Different insurance policies have different types of coverage. Coverage can Read More…
Your car insurance score affects the price you pay for auto insurance. However, most drivers are unaware what their car insurance score is or how it works. Today, we’re explaining everything you need to know about auto insurance scores, including how to check your score Read More…
A policyholder is the individual who has insurance coverage and is covered by that insurance. If you have a car insurance or home insurance policy, for example, then you are the policyholder. You own the insurance policy and are protected according to the terms of Read More…
Pre-loss condition refers to the condition of a property – like a home or a vehicle – before it was damaged. If your car was involved in a car accident, then the car’s pre-loss condition is whatever it looked like the moment before the accident. Read More…
When signing up for a car insurance policy, you’ll have a choice between several different types of coverage. It can be challenging to determine which types of coverage are the most essential and which are unnecessary add-ons. One type of car insurance coverage that you Read More…
When shopping for car insurance, you’re going to come across many new terms and concepts. One of these is the concept of stacking your insurance coverage. There are a few different ways that you can stack your insurance coverage to increase your potential payout in Read More…
Auto insurance companies offer several different policy discounts to their customers. In fact, they offer so many discounts that it can be confusing for new customers to understand what they are or how to get them. One of the most common discounts you’ll encounter is Read More…
When you purchase auto insurance, you think that you click a box, set some minimums, and your policy is complete. In reality, you have more than a few options to go through, and even though you have the state minimums like liability, comprehensive, and collision Read More…
You know that you can unlock discounts for being a safe driver, and you can even unlock them for your age, good credit, and more. One thing you might not have known, however, is that the more safety features you have installed on your vehicle, Read More…
Most people assume auto insurance agents make decent money, enjoy comfortable working conditions, and enjoy a relatively stress-free job. Though some auto insurance agents make upwards of six-figure per year, the vast majority are at least somewhat reliant upon their commissions. Upwards of one-quarter of Read More…
The act of a vanishing deductible is no magic trick. Instead, it is a tactic insurance companies use to lower or reduce your deductible each year as long as you have zero accidents on your record. For some motorists, a disappearing deductible is enticing. After Read More…
