Almost every state requires you to buy a minimum amount of liability coverage. Chances are that you will need more liability insurance than the state requires because accidents cost more than the minimum limits. If you’re found legally responsible for bills that are more than your insurance covers, you will…

How to steer clear of a common, large—and moving—hazard As the deer populations grow and urban habitats continue to encroach upon rural environments, there has been an increase in deer-car collisions. Deer-vehicle collisions are dangerous and costly so, though collision with an animal is covered under the comprehensive portion of your auto insurance…

If you are in an accident or your car breaks down, safety should be your first concern. Getting out of the car at a busy intersection or on a highway to change a tire or check damage from a fender bender is probably one of the worst things you can…

Reduce the risks that come with inexperience and immaturity While getting a drivers license is an exciting rite-of-passage for teens, it can make a parent frantic—with good reason. The first years that teenagers spend driving are very risky. Motor vehicle crashes are the leading cause of death among 15- to…

Every U.S. state with the exception of New Hampshire requires its drivers to purchase liability insurance to drive legally. However, collision and comprehensive are optional, even though nearly four out of five drivers choose to purchase these coverages. Collision coverage Collision pays for damage to your car resulting from a…

Many factors help determine the cost of car insurance The amount you’ll pay for car insurance is impacted by a number of very different factors—from the type of coverage you have to your driving record to where you park your car. While not all companies use the same parameters, here’s…

Tips for spotting auto fraud The facts about flooded cars Like other natural disasters, floods can create enormous damage to properties and vehicles. Flood vehicles offer a tempting opportunity for criminals to defraud unsuspecting consumers. By definition, a flood vehicle has been completely or partially submerged in water to the…

Understand the coverage for your car While different states have different mandates for auto insurance, most basic car policies consist of six types of coverage. Here’s what you need to know about each. While different states mandate different types of insurance and there are several additional options (such as gap insurance)…

Your guide to understanding the fine print Don’t be intimidated by specialized insurance language. Below you’ll find definitions of some of the most common terms used when dealing with auto insurance. Adjuster An insurance company employee or contractor who reviews the damages and injuries caused by an accident and okays…