Auto Insurance
Non-renewal, cancellation and getting dropped
The difference between the two matters, the notice requirements are regulated, and there is more you can do about it than most people realise.
Auto Insurance
Liability limits, comprehensive, and how claims are rated.
Auto Insurance
The annual auto policy review
Twenty minutes with the declarations page, once a year, catching the coverage drift that nobody notices otherwise.
Auto Insurance
Rental cars, borrowed cars and who covers what
The counter agent asks whether you want the waiver, and the answer depends on coverage you have not read.
Auto Insurance
Shopping auto insurance without losing coverage
Rates vary enormously between insurers for identical drivers, and comparing them properly requires holding the coverage constant.
Auto Insurance
Classic, motorcycle, boat and recreational vehicle coverage
Vehicles that do not fit a standard auto policy, and the specialist coverages that handle them properly.
Auto Insurance
Total loss: how a vehicle is valued and how to challenge it
When a car is written off, the settlement is a number produced by a valuation report, and the report can be wrong.
Auto Insurance
Rideshare, delivery and the gap in personal auto policies
Personal policies generally exclude commercial use, platform coverage has phases, and the gap between them is where people find themselves uninsured.
Auto Insurance
Teen drivers and what they do to a policy
The largest premium increase most households experience, with several legitimate ways to reduce it.
Auto Insurance
After an accident: the first hour and the next month
What to do at the scene, what to say, and what determines how the claim resolves.
Auto Insurance
How auto insurance rates are actually set
The factors that move your premium, in rough order of weight, including several that have nothing to do with driving.
Auto Insurance
Comprehensive, collision and what a deductible really buys
The coverages for your own vehicle, where the right answer depends on the car’s value and your ability to absorb a loss.
Auto Insurance
Liability limits: the number that actually protects you
State minimums were set decades ago and have not kept pace with what a serious accident costs.