Author: Andrew Flueckiger
How Can I Check My Car Insurance Claims History?
July 24, 2019
The last thing most people want to think about is their accident history. Unfortunately, your claims and accident history play a huge role in determining your auto insurance rates. Even if you’d rather forget past fender-benders, insurance companies definitely don’t. Understanding what’s in your claims history—and how to check it—can help you avoid surprises and […]
Will Car Insurance Pay for Flood Damage?
July 23, 2019
After hurricanes, tropical storms, and heavy rain events, it’s unfortunately common to see cars sitting in rising water—or fully submerged. If you’re dealing with water in (or around) your vehicle, the big question is simple: Will car insurance cover flood damage? Flooding is handled very differently under auto insurance than it is under homeowners insurance. […]
How Does Your Type of Car Affect Your Insurance Rates?
June 20, 2019
You finally decided to upgrade your ride, trading in an older Chevy Malibu for a much newer Nissan Altima. The newer model, lower mileage, and updated tech all feel great… until you get your renewal notice and see that your auto insurance rates are going up. What gives? As many drivers find out the hard […]
Is Auto Insurance Cheaper Through an Agent?
May 28, 2019
When shopping for auto insurance, you not only choose which company to buy from—you also choose how you buy it. You can work with a captive insurance agent, an independent agent, or buy your policy directly online. Each option has its benefits, and each can impact pricing, convenience, and service in different ways. So, is […]
Is Auto Insurance Cheaper for Drivers in their 50s?
May 27, 2019
If your auto insurance bill is ever going to feel “cheap,” it’s most likely when you’re in your 50s. For many people, their 50s are a financially stable time in life. They’re often at or near the peak of their careers, may be close to paying off a mortgage, and are planning for retirement and […]
How Long Does an Accident Stay on Your Insurance?
March 5, 2019
Car accidents are common on today’s busy, distracted roads. More drivers mean a better chance of a wreck, especially with the rise of distracted driving—texting, using apps, eating, or anything that takes your focus off the road. Those accidents matter because they directly affect what you pay for coverage. Insurers look at many factors when […]
How to Identify a Car Insurance Company by Its Policy Number
February 15, 2019
If you’ve ever been in an auto accident, you know how fast things move. Even minor crashes can feel stressful, and it’s easy to leave the scene missing key details. One of the most common questions drivers ask afterward is: “Can I identify the other driver’s insurance company using only their policy number?” In most […]
What Do Auto Insurance Claims Adjusters Do?
February 7, 2019
You’ve just had a bad auto loss and filed a claim with your insurance company. Hopefully, nobody was hurt, but let’s say your vehicle was totaled. Your next call will likely be from the claims adjuster—the person who becomes your main point of contact during the process. To many drivers, adjusters feel like they hold […]
What Is Subrogation and How Does It Work?
February 6, 2019
Insurance policies are packed with legal and industry jargon—even though many states require policy forms to meet plain-language and readability standards. Still, “plain language” doesn’t always feel plain when you’re trying to understand a real claim or a real insurance contract. One of the most confusing (and most important) terms you’ll see is subrogation. If […]
How to Tell If Your Car Insurance Settlement Offer Is Too Low
February 5, 2019
Insurance companies sometimes earn a bad reputation for not paying claims the way people expect. It’s easy to forget that the purpose of insurance is to put you back where you were before the loss—not to make you better off—and that insurers are still businesses trying to control costs and make a profit. In a […]
Can Auto Insurance Be Reinstated After Cancellation?
February 4, 2019
A happy trip to the mailbox can quickly turn into a bad day if you find a letter from your auto insurance company saying your policy is going to be canceled. Or worse, you’re out of town when the letter arrives and miss the deadline. Can your policy be reinstated? How do you get insurance […]
Steps to Take With Auto Insurance When Moving to a New State
January 26, 2019
You’re finally packing up those cold winters for a sun-drenched state—or leaving the beach for a once-in-a-lifetime career move across the country. Whatever your situation, you’re moving to a new state, and that means new surroundings, new rules, and unfortunately, new auto insurance requirements. Updating your auto insurance is usually at the bottom of most […]