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How Much Does Car Insurance Go Up After an Accident?
Quick Answer: Car insurance rates typically increase by 40% to 60% after an at-fault accident, depending on the insurer, location, and severity of the claim. After a crash, your insurance rates can rise even if [read more...]
Auto Insurance
How is Fault Determined in a Texas Car Accident?
In Texas, fault determines who is financially responsible for medical expenses, property damage, and other losses after a car accident. Texas follows an at-fault insurance system, which holds the driver primarily responsible for causing the [read more...]
General Insurance Topics
How to Negotiate with Insurance Adjusters
Effective negotiation with insurance adjusters requires a clear strategy. Insurance companies are determined to minimize claim payouts, so a structured approach to negotiation can make a significant difference in the outcome of your settlement. Whether [read more...]
Auto Insurance
Is PIP Insurance Mandatory in Florida?
Yes, Personal Injury Protection (PIP) insurance is mandatory for all drivers in Florida. Under Florida’s no-fault insurance laws, every vehicle owner is required to carry at least $10,000 in PIP coverage. This coverage provides immediate [read more...]
Homeowner's Insurance
Does Homeowner’s or Renter’s Insurance Cover Dog Bites?
If your dog bites someone, understanding what your homeowner’s or renter’s insurance will cover is critical to protecting yourself financially and legally. This article clarifies the details of dog bite insurance coverage and provides practical [read more...]

unexpected benefit of coronavirus pandemic man spraying down steering wheel

Unexpected Benefit of Coronavirus Pandemic: Refunds & Credits

April 14, 2020

Whoever would have thought a pandemic could affect the premium individuals would be paying for their car insurance premium! The latest buzz isn’t “get the cheapest car insurance” ad but notices coming across the news [read more…]

SR22 insurance couple watching car get towed

Guide to SR22 Insurance in Idaho [What You Need to Know]

May 14, 2019

What does SR22 stand for? Several things came clear to me as I prepared to write this article about SR22 insurance in the state of Idaho. The very first was “SR22” is not an acronym [read more…]

tort (at fault) insurance and no-fault insurance car accident

Tort (at Fault) Insurance and No-Fault Insurance: What’s the Difference

May 7, 2019

One of the greatest blessings of living in these wonderful United States is the ability to move across state lines unencumbered. It’s such a treat to reach an imaginary line on the horizon and see [read more…]

woman looking at insurance coverage options on computer

Just What Insurance Coverages Do I Need?

May 7, 2019

Even though my granddaughter is getting a degree in neuroscience, her first encounter in attempting to buy car insurance for the old clunker car she purchased to get her around was humiliating to her. “When [read more…]

Do I Need Uninsured Motorist and Underinsured Motorist Coverage

May 7, 2019

Introduction This website reports approximately 5.2 million driving accidents occur every year throughout the world with 43,000 dying in vehicle related accidents in the United States. Another 2.9 million suffer light to severe injuries each [read more…]

us government building - insurance mandates

Government Mandated Insurance Coverage vs. Private Industry Initiative to Market Insurance Coverage

September 27, 2018

Introduction When I first read about the topic addressed in this article, my imagination took me to Don Quixote on his mighty war horse charging across the tulip fields of Holland waving his sword and [read more…]