47 articles
Page 3 of 4 of our guides about car insurance: plain-English explainers, worked examples and tips for comparing insurance coverage.
If an uninsured driver hits you, a collision deductible waiver removes your deductible entirely. It costs a few dollars a year and most drivers have never been offered it.
Comprehensive answers hail, theft, deer, flood and glass, which are the claims most drivers actually make. Raising its deductible saves the least and costs the most.
Connecticut offers an underinsured motorist option that most drivers have never heard of and that changes what a serious claim actually pays. Here is how it works.
Insurance pays for damage from a sudden accidental event. It never pays for a worn clutch, a failed alternator or a service. The line between the two decides every claim.
Theft is a comprehensive claim, it settles at the car's value rather than what you owe, and the belongings inside it are somebody else's policy entirely.
A smashed window is your auto policy. The laptop that was on the seat is your renters policy. One break-in, two claims, two deductibles, and often neither is worth filing.
Florida makes you carry PIP and property damage and asks for no bodily injury liability at all. That single gap explains most of what goes wrong in a Florida claim.
A clean record is the largest discount in car insurance and it is not one discount. It is five separate mechanisms, and most drivers are only receiving two of them.
Coverage can start the same day and frequently within the hour. What actually causes delay is missing information, an unusual risk, or a verification step nobody warned you about.
An at-fault claim commonly raises a premium by a quarter to a half and stays on the rating for three to five years. What decides where in that range you land.
An SR-22 is not insurance. It is a filing your insurer makes for you, and a non-owner policy is how you get one without a car. Here is how the pieces fit.
Towing and labour cover on a personal policy is a few dollars a year. Towing insurance for a tow truck business is a commercial package. They are not related.
