Insurance Guide
What is an Excluded Driver for Car Insurance?
There are a lot of things about car insurance that can be confusing, and one of them is excluded drivers. You may have heard of excluded drivers, but not know what they are or why they are necessary. Car insurance companies typically want to have everyone in a household listed Read More »
Does Auto Insurance Pay for Damage from Natural Disasters?
Natural disasters and other natural weather phenomena happen all the time in the United States. Some areas are prone to flooding, some get frequent tornados, some areas get hurricanes or strong winds and rains, and some areas get forest fires. Whatever part of the country you live in, there are Read More »
How Does Force Placed Insurance Work?
Force placed insurance is a term that most people are not familiar with. When it comes to car insurance, most people are familiar with their state’s minimum insurance requirements, as well as the insurance requirements of their lender. However, force placed insurance on a vehicle can mean excessive costs and Read More »
What is a Collision Deductible Waiver? Is It Worth It?
There are a lot of options available with a car insurance policy depending on your state and the car insurance company that holds your policy. One of the features that you can get is a collision deductible waiver (CDW). Before jumping into this additional coverage, learn what it is, how Read More »
Where Can I Make a Complaint About My Auto Insurance Company?
Because car insurance is something you absolutely have to have by law in most states, it may seem as though your auto insurance company has you over a barrel. You have to do what you can to maintain your policy, and when you have to file a claim you expect Read More »
All About the Good Driver Discount
When it comes to car insurance, any discount you can receive is a good thing. Car insurance can be quite expensive, depending on several factors such as where you live and what type of car you drive. One of the universal discounts that is often offered by car insurance companies Read More »
How Do You Cancel Your Auto Insurance Coverage the Right Way?
When it comes time to cancel your auto insurance coverage, you want to make sure that you do it the right way to protect yourself legally, and to protect your credit. You may need to cancel your car insurance coverage if you change cars, decide to change companies, sell your Read More »
How to Insure a Car with a Rebuilt or Salvage Title
Buying a car with a salvage or rebuilt title can be tempting. These cars are much cheaper than other used cars. Besides the fact that a salvage car requires a lot of work, there are some important considerations to take into account before you make that purchase. One of those Read More »
Getting Insurance For Financed Vehicles
If you have a car loan or are considering taking out a loan for a vehicle, you have likely wondered if you absolutely have to have insurance. Indeed, auto loan holders mandate vehicles with outstanding debt be insured. However, there is still some question as to what coverage amounts are Read More »
How to Identify a Car Insurance Company By Its Policy Number
Many people don’t know what to do when they get in an auto accident. It’s understandable, especially considering it can be a very emotional time for both drivers involved. Maybe both of you were in a rush to leave, especially if the accident wasn’t very major. What are you supposed Read More »
What is Subrogation And How Does It Work?
The insurance industry is notorious for many reasons, perhaps none more so than trying to confuse customers with language that few people understand. The ironic thing is, courts have ordered companies to make the language of an insurance contract readable to a 3rd grader. There aren’t that many adults, let 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 the arbitration route to resolve 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 diminished value claim without delay. Read More »
How to Document Damage and Gather Evidence for a Car Insurance Claim
The decisions you make in the aftermath of a car accident are of the utmost importance. Your first course of action is to tend to your health. If you are injured in any way, seek medical attention without delay. If you are capable of physical movement, do your best to 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. Therefore, you should always consider the insurance impact of that new (or used) car purchase before you sign any paperwork. If you already have a pre-owned 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 it’s important for you to 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 fire departments involve a Read More »
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 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 »
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 »
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 »
What Happens If You Get Into a Car Accident Without Insurance?
Getting into a car accident is frightening. Getting into a car accident without insurance is even more frightening. What happens if you get into a car accident without insurance? What kind of penalties or fines can you expect to pay? Today, we’re explaining what happens if you get into a Read More »
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 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 »
How Long Can A Child Stay On Their Parents’ Auto Insurance Policy?
When your child turns 16, he or she earns a rite of passage: freedom. That freedom comes in the form of a driver’s license. Of course, you want to ensure that your child is as safe as possible behind the wheel, yet you also want to save as much money Read More »
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 »
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 »
How Long Do You Have to File an Insurance Claim After a Car Accident?
Filing an insurance claim after an accident can be a tricky process. One of the first things you need to worry about is when to file. How long do you have to file an insurance claim after a car accident? How long can you wait before contacting your insurance company? Read More »
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 »
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 »
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 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 »
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 »
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 »
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 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 »
In What Situations Do You Need Commercial Auto Insurance?
Many drivers are unaware of whether or npot 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 »
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 »
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 »
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 »
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 »
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 »
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 »
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?
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 »
What is the Proper Way to File an Insurance Claim After an Accident?
So you’ve been in an accident and you need to file an insurance claim. Filing an insurance claim isn’t difficult. Thousands of drivers do it every day. Some insurance companies even let you file a claim using a mobile app! With that in mind, let’s take a look at how Read More »
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 »
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 »