Having car insurance means you are cautious, prepared for the unknown, and law-abiding. Why? Most states in the US, except New Hampshire, require all drivers to carry car insurance. But even in New Hampshire, the law requires drivers to show … Read More
Your car insurance premiums can be higher if you list a driver or someone in your household who insurers deem risky on your policy. But you can change this through an excluded driver. The term excluded driver might be confusing … Read More
The amount of discount you earn on your car insurance premium increases with each year of claim-free driving. This is called a no-claim discount. The longer you drive without making an insurance claim, the bigger you should expect your discount … Read More
Yes, car insurance covers flood damage only if you pay for comprehensive coverage. Floods are common natural disasters in the U.S. and more frequent in many northeastern states. If your car falls among the casualties of flooding, for example, after … Read More
After an accident, your car insurance rate will go up and remain high for 3 years on average. Drivers with multiple accidents or violations may pay more for insurance for a long time. But, an accident will not stay on … Read More
Getting involved in an accident will generally raise your car insurance premiums. And this can stick with you for years. On average, your car insurance rates will increase between 28% and 60% after an accident resulting in a claim depending … Read More
A typical speeding ticket will stay on your insurance for approximately 3 years or 36 months – or more. This can potentially impact your insurance premiums and driving record. But the actual time a speeding ticket stays on your insurance … Read More
When an accident occurs, everyone asks “whose fault” caused the car accident. Insurers must know whose fault caused the accident before reimbursing a claim. The police need to know whose fault it was to determine how to document the accident. … Read More
The Uninsured vs. Underinsured motorist coverage debate is a never-ending one. Not many people understand their difference. While Uninsured and Underinsured car insurance coverage terms are often confusing, they are simple to decipher. Their common ground? Uninsured and Underinsured coverages … Read More
There’s a lot of confusion in insurance about what No-Fault insurance is and how it works. Most people confuse No-Fault insurance with Personal Injury Protection insurance. They’re rightly justified to do so. Why? In many cases, No-Fault insurance comes from … Read More