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 of 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 »

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 »
1 day auto insurance

One Day Auto Insurance Explained

If you do not have a car, one of the challenges that you may face when you either rent a car or borrow one from a friend is whether or not you need an insurance policy. Most of the time the thought of insurance gets lost in the shuffle. However, Read More »
car insurance for elderly

Auto Insurance For The Elderly

How to Get Cheap Auto Insurance for Elderly Drivers People are currently living longer than those in past generations. In fact, the census for the United States predicts that by the year 2030 the number of people that are over 70 years of age will increase from the current 29.7 Read More »
car insurance deductible

Car Insurance Deductibles Explained

Most of us have seen the auto insurance commercial with the poor young woman who is desperately trying to find someone who might be able to help her understand what a “deductible” is, and which one she should choose for her auto insurance policy. Understanding how insurance deductibles work, and Read More »
rental car insurance

Rental Car Insurance Explained

Most drivers wind up renting a car at some point in their lives; perhaps they are “between vehicles,” or are having their primary vehicle serviced. The most common scenario however is when one vacations, usually (though not always) abroad. Most auto rental agencies offer optional insurance for a rental car Read More »
full coverage

Full Coverage Auto Insurance Explained

If you are thinking about buying "full coverage" auto insurance, you may be thinking about making the right decision. As the amount of situations increase in which being fully covered is necessary, having adequate car insurance is crucial.   While the definition of "full coverage" varies from company to company, Read More »
auto liability coverage

Auto Liability Insurance Explained

Liability coverage is the most basic coverage type in all auto insurance policies. Liability insurance is also a key part of any more comprehensive plan your may get. Liability insurance coverage is not the portion of your insurance that covers your own injuries or property loss, but is instead used Read More »
car insurance specifics

The Specifics of Car Insurance

[caption id="attachment_1448" align="alignright" width="300"] Learn about the specifics of car insurance.[/caption] Americans own more cars per capita than any other country around in the globe, which means this is a good place to study car insurance and learn about how everything works when it comes to insuring vehicles. While everyone Read More »
Selecting the right insurance mix

How Much Insurance Do You Need – Building Your Own Insurance Program

[caption id="attachment_1360" align="alignright" width="300"] Selecting the right insurance mix. A matter of odds.[/caption] One of the most important things that you need to remember when it comes to purchasing insurance is that it is always best to keep things as simple as possible. Although purchasing any kind of insurance can Read More »
save big bucks on your car insurance

How To Save Big Bucks on Your Car Insurance – A Guide

[caption id="attachment_1077" align="alignright" width="320"] Read below to learn some tricky ways to save on your auto insurance. (Image source - FLICKR)[/caption] We all want to save money on our car insurance but sometimes it can seem like the bills just keep on coming. Even if you have a safe driving Read More »
Calendar with car insurance planner

Auto Insurance Details: What It Is, What It’s Not

[caption id="attachment_891" align="alignright" width="300"] The car insurance 101 - What is it all about?[/caption] Auto insurance is a required necessary evil, or at least that is the way many people see it. But there are definite benefits to having it and it is certainly important if you plan on getting Read More »