The Other Driver Ran a Red Light and T-Boned Her Honda. Virginia Still Paid...
In five U.S. jurisdictions, an injured driver found even 1% at fault recovers nothing from the other driver's insurance, no matter how much more at fault the other driver was. Here is how the rule works, which states use it, and what to do if it happens to you.
Only Three States Ban This Rating Factor Entirely. Warren’s Renewal Went Up in the...
A credit-based insurance score isn't your credit score, but it can move your auto premium just as much. Three states have banned insurers from using it at all.
The Rideshare Endorsement He Bought Covers Passengers. It Says Nothing About the Food He...
Most rideshare endorsements are written for passenger transportation network platforms and expressly exclude delivery network activity, leaving food and package delivery drivers in the same gap the endorsement was bought to close.
The Check Was $9,400. Keeping the Wrecked Car Cost Him $2,100 of It.
The settlement check was $9,400. Keeping the wrecked car took $2,100 of it, and that was before the salvage title changed what he could insure again.
She Drove Her Mother’s Car Five Days a Week. Her Own Policy Called It...
A driver assumed her own policy would cover the gap when her mother's car insurance ran out. It called the car "furnished for her regular use" instead.
New Jersey Raised Her Limits on January 1. Nobody Asked Her to Sign Anything.
New Jersey's second phase of auto insurance minimums took effect January 1, 2026. Bodily injury limits rose 40%, uninsured motorist limits moved with them, and property damage did not budge from $25,000.
Your EV Premium Is Not About the Battery. It Is About What Sits Behind...
Omar Haddad backed into a bollard at walking speed and got a $4,610 estimate. The battery was never touched. A third of the bill was the sensors behind the bumper cover.
She Was Rear-Ended at a Red Light. She Still Paid the $1,000 Deductible.
Filing on your own collision coverage is the fast path after a crash, and it is the path that costs you the deductible. Getting that money back depends on subrogation.
Her Health Plan Left $2,300 in ER Bills After the Crash. A $10 Add-On...
A small, often overlooked auto coverage pays your crash-related medical bills no matter who was at fault, covers your passengers, and fills the gaps your health plan leaves.
Split Limits vs Combined Single Limit: What 25/50/25 Really Costs You in a Bad...
The three numbers on your auto policy decide how much your insurer pays and how much comes out of your own pocket. Here is how split limits really work in a serious crash.
