How To Negotiate An Auto Insurance Settlement

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 it’s important for you to Read More »
auto insurance fire damage

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 fire departments involve a Read More »
insurance companies share claim information

Do Car Insurance Companies Share Claim Information?

You were in an accident and filed a claim with your insurer. Now, you worry that your rates are going to increase. One question you may wonder is whether you could swap to a new insurer and skip the hassles of a higher premium. While it makes sense to jump Read More »
temporary short term car insurance

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 make an effort 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 what this essential Read More »
insurance requirements by state

State-by-State Auto Insurance Requirements

It is state law to carry auto insurance regardless of where you live in the United States. The amount of insurance you are required to carry, however, varies by state. Each state board comes up with their minimum requirements, and these are designed to ensure that if you are involved Read More »
car insurance while traveling abroad

What Car Insurance Do I Need While Traveling Abroad?

No one wants to think about the worst-case scenario while traveling abroad. However, life happens. You might be rear-ended while browsing the scenery of Italy or come back to your rental car only to find your possessions stolen while parked on the beaches of Spain. Whether traveling abroad for work, Read More »
full glass coverage

What is Full Glass Coverage? Is It Worth It?

You’re driving down the road and a rock flies up from the wheel of a car in front of you and lands directly on your windshield. You’re left with a chip, or your entire windshield is cracked. Of course, you need to have it replaced. Driving with a damaged windshield Read More »
how do insurers make money

How Do Car Insurance Companies Make Money?

While car insurance is one of the wisest investments you can make (in fact, if you want to drive a car legally, you have to purchase liability coverage, at the bare minimum), you still might be wondering how your carrier is profiting off of you. After all, car insurance is Read More »
low income car insurance options

Low Income Auto Insurance Options In The US

If you’re a low income individual or family, then you may be eligible for various government programs – including low income car insurance options. Low income households spend a disproportionately high percentage of their annual income on car insurance. A $1,500 car insurance policy accounts for 1% of someone’s income Read More »
auto recalls and car insurance

How Do Car Recalls Impact Car Insurance?

So your vehicle has been recalled. How does this affect your car insurance? Will you pay more or less for car insurance after an auto recall? Every year, more than 200 vehicles are recalled across the United States. Some of these recalls are minor issues – like cosmetic problems with Read More »
file police report after accident

How to File a Police Report After an Accident

A police report is an important document in the weeks following an accident. A police report can often be the difference between your claim being denied or accepted. It can also be the difference between you being found at-fault or not at-fault for the accident. With that in mind, we’re Read More »
types of car insurance fraud

What Are the Common Types of Car Insurance Fraud?

American insurance companies lose millions of dollars to car insurance fraud every year. Keep reading to discover the most common types of insurance fraud in the United States, including types of car insurance fraud that may affect you. Vehicle Dumping Some owners commit fraud by dumping their vehicle. This is Read More »
collector car insurance

How to Insure a Classic or Collector Vehicle

As a collector, you probably view your classic or antique vehicle not only as a hobby, but as an investment as well. Protection of your investment includes many things, such as proper maintenance, keeping it clean, and parking it in a safe spot. It also includes buying the right insurance Read More »
tort and no fault insurance law

Tort and No-Fault Auto Insurance Systems Explained

There are two general types of auto insurance systems in the United States, including tort systems and no-fault systems. What’s the difference between the two? What are the advantages of tort systems versus no-fault systems? Today, we’re explaining everything you need to know about the two popular car insurance systems. Read More »
multi car insurance discount

Everything You Need to Know About Multi-Car Discounts

Multi-car discounts are the most common car insurance discount available to drivers in the United States. Are you eligible for a multi-car insurance discount? Can your family save money by insuring multiple vehicles on the same plan? Today, we’re explaining everything you need to know about multi-car discounts and how Read More »
car insurance grace period

How Long is the Grace Period for Auto Insurance?

Does your car insurance policy come with a grace period? Will your insurer give you an extra few days to make a payment? Does your insurance end immediately after your miss a payment? These are all good questions. Today, we’re explaining everything you need to know about the grace period Read More »
no fault car insurance

How Does No Fault Auto Insurance Work?

No-fault insurance is a type of car insurance required in certain states in America. What is no-fault auto insurance? Which states require no-fault insurance? Today, we’re explaining everything you need to know about no-fault states and no-fault insurance. What is No-Fault Auto Insurance? No-fault auto insurance is a type of Read More »
adding teen child to insurance policy

Adding Your Teens Or Children To Your Car Insurance Policy

So your children are finally old enough to drive. It’s an exciting time – but it’s also a scary and expensive time. Today, we’re explaining everything you need to know about adding your teenage child to your car insurance policy. Call Your Car Insurance Company If your teenage child is Read More »
commercial vehicle insurance

In What Situations Do You Need Commercial Auto Insurance?

Many drivers are unaware of whether or not they need commercial auto insurance. What is commercial car insurance? Do you need it? Are you protected while driving your vehicle? Today, we’re explaining everything you need to know about commercial car insurance. What is Commercial Auto Insurance? Commercial auto insurance is Read More »
proof of car insurance card

What is a Car Insurance Card?

In the United States, anyone who owns a vehicle is legally obligated to carry car insurance. In most states, the liability insurance is the minimum coverage requirement. This type of insurance protects other drivers in the event that an accident was caused by someone else and covers the cost of Read More »
sr22 drunk driver

How Long Does an SR-22 Last?

An SR-22 is a special certificate that must be held by certain drivers. How long does an SR-22 last? How long will you continue to pay higher insurance rates? Today, we’re explaining everything you need to know about the length of an SR-22. What is an SR-22? An SR-22 is Read More »
car insurance declarations page

What is a Car Insurance Declarations Page?

The declarations page is a crucial part of any car insurance policy document. What is a declarations page? What does the information on your declarations page mean? Today, we’re explaining everything you need to know about car insurance declarations pages and why they’re important. What is a Declarations Page? The Read More »
car insurance claim denied

How and Why Can Insurers Deny Your Claim?

You’ve been involved in a collision. Fortunately, you’re covered by insurance. You make a claim through your insurance company – only to have your claim denied. Often times, having your claim denied is not your fault and can be rectified, so don't immediately fret. There are many different (legitimate and Read More »
bad driving record

Car Insurance Quotes for Drivers with Bad Driving Records

Millions of drivers across America have bad driving records. Maybe you’ve had a string of unlucky accidents on the road. Or maybe you’re just a really bad driver. Whatever the situation may be, you need a car insurance quote despite your bad driving record. Today, we’re explaining everything you need Read More »
car insurance lapses

What If My Car Insurance Lapses?

So you forgot to pay your car insurance payment for the month. Or maybe you willfully let your car insurance expire. What happens when your car insurance lapses? What should you do when you miss a car insurance payment? Today, we’re explaining everything you need to know about what to Read More »
car insurance required legally

Is It Required to Have Auto Insurance?

You’re legally required to have auto insurance to drive on every public street in the United States. There are no exceptions to this rule. The type of auto insurance required by law, however, varies between states. Some states require only a bare-bones insurance plan with $10,000 in liability coverage, for Read More »
does my car insurance cover theft

Does My Car Insurance Cover Theft?

One of the most common questions we get here is whether or not car insurance covers theft. The answer, as you might expect, depends entirely on your insurance policy: some insurance policies cover theft, while others do not. Today, we’re helping you determine whether or not your car insurance policy Read More »
car insurance claim

What is a Car Insurance Claim?

You file a car insurance claim when you need to use your car insurance policy. You’re making a “claim” on the policy and asking your insurance company to provide coverage based on the requirements outlined in your policy. Sometimes, it’s obvious when you need to make an insurance claim. You’ve Read More »
after car accident

Steps To Take Immediately After A Car Accident (For Insurance)

So you’ve been in a car accident. What should you do immediately after a car accident? How do you deal with your insurance company? Today, we’re explaining the steps you should take immediately after a car accident when dealing with your insurer. The absolute first priority is to check to Read More »
personal injury protection

What Is Personal Injury Protection?

Personal injury protection, or PIP, is an insurance policy that covers medical bills for you and your passengers in the event of a vehicle accident. Do you really need personal injury protection? Is it worth it? Should you buy PIP if you already have health insurance? Are you legally required Read More »
personal umbrella insurance

What is Personal Umbrella Insurance?

Personal umbrella insurance is a type of liability insurance that goes above and beyond the coverage provided by other policies. Most people do not need personal umbrella insurance – although certain individuals can benefit from it. Today, we’re explaining everything you need to know about personal umbrella insurance – including Read More »
roadside assistance coverage

All About Emergency Roadside Assistance Coverage

Emergency roadside assistance coverage is an optional insurance policy that covers you in certain emergency situations. Typically, emergency roadside assistance doesn’t add an exorbitant amount to your car insurance policy (say, $20 to $150 per year). However, it can be useful when your vehicle’s battery dies, when you need to Read More »
rental reimbursement coverage

What is Rental Reimbursement Coverage?

Rental reimbursement coverage is an optional insurance policy that will cover the cost of a rental car if you’re unable to drive your primary vehicle. Most auto insurance companies provide rental reimbursement coverage. However, it’s not included on all plans by default. No states require rental reimbursement coverage, and it’s Read More »
car insurance with bad credit score

Getting Car Insurance with a Bad Credit Score

So you need car insurance – but you have a bad credit score. What’s the best solution? Can you still get good car insurance? Today, we’re explaining everything you need to know about getting car insurance with a bad credit score. People with Bad Credit Typically Pay More for Car Read More »
property damage liability

What Is Property Damage Liability Coverage?

When you buy a new car and start driving, you will be hit by what can feel like a gauntlet of different expenses. First there’s the cost of the car itself which is certainly not cheap – even if you go for a second hand vehicle! Then there’s the cost Read More »
bodily injury liability coverage

What Is Bodily Injury Liability Coverage?

Bodily injury liability coverage generally does exactly what it says on the tin. That is to say, that it covers you against the medical bills that might be incurred as a result of bodily injury. At this point you might wonder why you would need this, when surely you have Read More »
hit and run accidents

Hit And Run Accidents And Insurance

While it can sometimes feel a little crippling having to pay car insurance, it is nevertheless there for a very important reason. Insurance means that we can never cause damage to someone else and then be unable to pay to help them. And if you imagine being on the receiving Read More »
comprehensive insurance

What Is Comprehensive Coverage?

Comprehensive coverage can help you cover the costs of damages to your vehicle that aren’t caused by a collision. If you just wanted to be protected from collisions, you would get collision insurance. For everything else, you should consider comprehensive insurance. What does comprehensive coverage cover? Natural disasters (hailstorms, tornadoes, Read More »
do you need collision coverage

What Is Collision Coverage?

Collision coverage is pretty easy to understand. It’s coverage for damages to your car caused by impact with another car or object. It covers damage to your vehicle in a number of situations. If you hit another vehicle, for example, this type of coverage would cover the damage to your Read More »
medical payments coverage

What Is Medical Payments Coverage?

Medical payments coverage is needed to cover the sometimes huge medical costs incurred after you get hurt in an auto accident, no matter who was found at fault for the accident. Furthermore, medical payments coverage can help you pay for funeral expenses and passenger injuries. It can even help pay Read More »
gap insurance

What Is Gap Insurance? Do I Need It?

Gap insurance is a type of insurance coverage for newer automobiles that can be tacked onto your collision insurance policy. It is an optional insurance coverage. It could pay the difference between the balance of a loan or lease on a car and what your insurance provider pays if the Read More »
non owner insurance

What Does Non-Owners Car Insurance Cover?

Non-Owner or Non-Owned Car insurance includes a bunch of types of coverage that provide Liability insurance for cars used by you (or for your business) that aren’t listed on your policy. Cars that are owned by you (or your business) or used on a regular basis should be put on Read More »
review your auto insurance

Why It’s Important To Review Your Car Insurance Policy

You should periodically review your car insurance policies a checkup. The insurance industry often suggests customers to check up on their policies to ensure everything looks right and up-to-date. To a cynical person, that might sound like a ploy to get customers on the phone with an insurance agent. An Read More »
car insurance for the first time

Tips For Buying Car Insurance For The First Time

Buying car insurance for the first time is something that just about everyone will experience as a young adult. While still a teenager, most kids can get on their parents' auto insurance policy and do need to worry about carrying their own insurance. Buying an insurance policy that is all Read More »
retirement

Tips For Getting Cheap Car Insurance In Retirement

As unfortunate as it is, when a person gets older, some expenses just seem to increase. While retirement can be a wonderful thing, some of the increased costs can seriously hurt. Car insurance is one of those that seems to go up higher than it should during retirement. The insurance Read More »
good student discounts

How To Get Cheap Auto Insurance Rates For Students

Everyone knows that drivers who are very young can pay a lot higher premiums. More experienced drivers get into less accidents as a general rule. Younger people are more at risk for accidents and, because of that, pose a higher risk to their insurance companies. The good news is that Read More »