Liability Current Rates, News & Information

Nation’s Most Dangerous Roads for Car Accidents

Posted in Auto Insurance , Liability

June 29th, 2011
No Comments

Auto Insurers Should Not Pay Claims Caused By Cell Phone Use

Posted in Auto Insurance , Auto Insurance Riders , Liability

February 22nd, 2011
No Comments

How do you change behavior and poor decision making amongst people? Sometimes you have to motivate someone in order to change their habits. That is one of the reasons that the United States has one of the lowest personal savings rates in the world; there is no incentive to save, but there are several incentives to go further into debt.

Is Paying for Auto Insurance Extras Worth the Added Cost?

Posted in Auto Insurance , Auto Insurance Riders , Liability

December 2nd, 2010
No Comments

If you’ve ever purchased your own auto insurance policy then you already know that there are tons of extras that companies try to sell you in addition to your standard liability coverage. Most of the extras are actually very beneficial to drivers but can be purchased from other places.

Pros and Cons of Umbrella Insurance: Why I Just Bought Some

Posted in Auto Insurance , Home Insurance , Liability

October 14th, 2010
No Comments

States Promote Safe Labor Day Driving

Posted in Auto Insurance , Collision Insurance , Comprehensive Insurance , Liability

September 3rd, 2010
No Comments

Put your auto insurance card in a safe place, buckle up and prepare for a crazy Labor Day weekend–this is the sentiment of law enforcement as they get ready for DUIs and more this holiday. States nationwide are finding cooler temperatures and reasonable gas prices could bring out some live wires this year. If you’re not properly insured, you could bear the brunt of their good times.

I Wrecked My Car, Now What?

Posted in Auto Insurance , Collision Insurance , Comprehensive Insurance , Liability

August 5th, 2010
1 Comment

Wrecking a car is something no one wants to experience, but causing the wreck and only carrying liability insurance coverage is definitely one of the worst types of accidents a person can have. Luckily, you won’t be responsible for paying for the damage to the other person’s vehicle, but if the damage to your own car is too costly to repair, you’re left with the dilemma of what to do with your car.

Today’s News: Wisconsin Mandates Auto Insurance, Chinese Drywall Bill Helps Home Insurance Customers and FedEx Offers Same-Sex Health Benefits

Posted in Auto Insurance , Health Insurance , Liability

July 23rd, 2010
No Comments

Wisconsin is about to become the 49th state to mandate minimum liability auto insurance while the House of Representatives in Louisiana is about to mandate that home insurance companies keep their policyholders after filing a Chinese drywall claim. Also, employees who work for FedEx will now be able to take advantage of health insurance benefits for same-sex domestic partners.

Car Borrowing Series: Liability on Borrowed Vehicles

Posted in Auto Insurance , Liability

September 29th, 2009
No Comments

Even though most auto insurance policies have some level of coverage regarding accidents caused by people other than the owner of the vehicle, ultimately the owner is liable for the expenses associated with an accident.

Car Owners Responsible

Generally, the owner of the vehicle is the person listed on the registration and vehicle’s insurance policy. If another person borrows the vehicle and is involved in an accident, the person held accountable for the financial debt incurred is the owner of the car in question.

How Much More Expensive Is Comprehensive than Liability Insurance?

Posted in Auto Insurance , Comprehensive Insurance , Liability

August 11th, 2009
2 Comments

If you own a car, or are thinking about buying one, then you probably know you have to have car insurance. Only a few states do not require it, but what they do require instead is proof that you can pay for any accident damages you inflict on others out of your own pocket. A few people here and there can afford repairs or hospital bills, but they would bankrupt the vast majority of us, so we need to have car insurance.

Considerations Before Filing an Auto Insurance Claim

Posted in Auto Insurance , Auto Insurance Claims , Collision Insurance , Liability , Property Damage

April 20th, 2009
No Comments

Auto insurance is supposed to be simple: you get into an accident, you file a claim and let your insurer handle it. But in reality, this is not always the case as there are things you should consider before filing an auto insurance claim.

Although state laws mandate certain types of insurance coverage to legally drive, there are no laws on record thatrequire you to report accidents to your insurance company. Every time you do file a claim with your insurance company, it is marked on your permanent record. Although your premium may not go up immediately, if there are enough reports over time there can be a negative impact to the total cost of your auto insurance.