People typically lock their cars when they park them to safeguard personal items and components inside the vehicle. Increasingly, however, criminals are less interested in what’s inside the car than they are in what’s underneath it — the catalytic converter. The National Insurance Crime Bureau has reported that thefts of catalytic converters jumped by 325%…Read more
Determining Who Is at Fault in an Auto Accident
Determining who is legally responsible in an auto accident requires identifying who the negligent party is. In most cases, common sense can be used to determine fault, but often drivers do not know exactly which laws were broken by the at-fault party. This makes it more difficult to prove a case to an insurer when…Read more
Car Insurance Limits – Choose Wisely
All states set minimum coverage levels for drivers, but if you are involved in a serious accident, minimal coverage may not get you off the hook for the full extent of damages. Your state’s goal is to make the required insurance affordable, but in many cases the established minimum coverage is not adequate to cover…Read more
How Much Will I Receive if My Vehicle is “Totaled”?
You’ve had an accident and your vehicle is in bad shape. After you report your claim, the insurance company sends out an adjuster to determine if it is worth paying out for the required repairs or instead of paying you for the value of the vehicle at the time of the accident. If the cost…Read more
Benefits of Combining Your Insurance with One Company
There are huge advantages to combining your auto and home insurance with a single company. The biggest and most direct benefit is getting a multiple-policy discount. However, it goes beyond that, and the advantages can work in your favor. Let’s look at the numerous variables on why this really works to your benefit. Discount The…Read more
Texting While Driving Tickets Will Increase Insurance Premiums
One of the main reasons that car insurance rates are going up is the increase in distracted driving, which has led to a significant jump in vehicular deaths and accidents in the last five years. Despite most states in the country now having laws barring the use of your phone for talking or other tasks…Read more
Should You Opt for Rental Car Insurance?
If you are like most people, it’s always in the back of your mind when you decline the car insurance when renting a vehicle while away on vacation or business. If you’ve ever opted for full supplemental coverage, you’ve likely noticed that the cost of your rental skyrockets by more than 50% in many cases.…Read more
Insurance Costs for a DUI
More than 10,000 people die every year in car accidents that involve at least one driver who is under the influence of alcohol or narcotics. And while the number of accidents involving alcohol is in the tens of thousands, about 1.5 million people are arrested annually for driving under the influence, according to the National…Read more
What is Gap Insurance?
It’s the nightmare scenario for any new car buyer. You drive it off the lot and a few days later another driver runs a red light, smashing into your car and severely mangling most of the front end and irreparably damaging the frame – essentially totaling the vehicle. Luckily nobody was injured, but will insurance…Read more
Are You Covered if You Borrow a Car?
One Saturday afternoon your friend calls you up and asks: “Dude, can I borrow your car for a few hours today? Mine’s in the shop.” You don’t think much about it and hand over your keys. But what do you do if your friend has an accident? Will your insurance cover the damage, or does…Read more
