Renting a car for a trip or when your vehicle is in the shop can be incredibly convenient. However, it also comes with a question that many drivers face: should you purchase rental car insurance? With various types of coverage available and so many factors to consider, making the right choice can be tricky. Understanding … Read more
Navigating insurance claims for business-related vehicle damages requires understanding critical policy distinctions that differ from personal auto coverage. Whether you’re a rideshare driver, sales representative, or small business owner, this guide explains when business damages qualify for coverage and how to properly file claims. The 3 Types of Business Vehicle Use & Coverage Implications 1. … Read more
When it comes to car insurance, the rates you pay can vary depending on a wide range of factors. One of the most significant factors that affect your insurance premiums is your driving history, especially any traffic violations you may have on record. Traffic violations not only impact your safety but also your wallet. From … Read more
Getting insurance coverage is essential to protect yourself from financial losses, whether it’s car insurance, health insurance, or homeowners insurance. You pay your premiums regularly, and when the time comes to file a claim, you expect the insurance company to cover your expenses. However, what happens if your claim is denied? Can insurance companies really … Read more
When it comes to purchasing car insurance or home insurance, most people think about factors like their driving history, the type of coverage they need, or the location of their home. However, one important factor that often flies under the radar is your credit score. Your credit score plays a significant role in determining your … Read more
Having your car declared a total loss can be stressful and confusing. This comprehensive guide explains exactly what to expect, how insurers determine a total loss, and how to maximize your settlement. How Insurance Companies Decide to Total a Car Total Loss Thresholds by State Insurers use one of two methods to determine if your … Read more
Why Rideshare Drivers Need Special Insurance Standard personal auto insurance policies don’t cover commercial activities like ridesharing. Most insurers will deny claims if you’re in an accident while transporting passengers or waiting for ride requests. Rideshare companies provide some coverage, but it has major gaps that leave drivers financially vulnerable. The 3 Periods of Rideshare … Read more
A car accident can be a disorienting and stressful experience. Knowing the proper steps to take immediately after a collision can help protect your safety, legal rights, and insurance claims. This comprehensive guide outlines exactly what you should do following an accident, whether it’s a minor fender-bender or a serious crash. Step 1: Ensure Safety … Read more
When you purchase car insurance, one of the most important terms you’ll encounter is the deductible. But what exactly is a deductible, how does it affect your policy, and how should you choose the right amount? This guide explains everything you need to know about car insurance deductibles, including:✔ What a deductible is and how … Read more