Auto Insurance

Her injuries cost $42,000, but her PIP capped at $10,000 and no-fault rules blocked the lawsuit. Here is how personal injury protection coverage really works.

Her collision repair was approved, but the insurer still charged her for new tires. Here is how auto insurance betterment deductions work and how to push back.

Accident forgiveness sounds like a free pass after a crash, but it comes with conditions most drivers never read. Here is what it does, and what it never does.

Telematics programs log everything from hard brakes to the time of day you drive, but not every data point moves your premium. Knowing which behaviors carriers actually weight tells you whether the discount is worth the tracking.

When you lend your car, your insurance usually follows the vehicle. But a step-down provision can quietly cut coverage to the state minimum the moment a non-listed driver is behind the wheel. Here is how it works.

A single missed payment on auto insurance can raise rates 35 percent at renewal and follow the driver for years. Here is how carriers detect lapses, how long the penalty lasts, and how to avoid it entirely.

A standard personal auto policy excludes e-bikes from its definition of a covered auto, and most homeowners policies exclude them under the motorized vehicle clause. The same claim gets declined twice.

A Phoenix driver in a two-year-old SUV expected factory parts after a crash. Her insurer's estimate specified aftermarket panels, and the OEM gap came to $1,900 out of pocket.

The promotional language gig apps use makes it sound like every minute on the road is covered. The fine print is different, and the gap can cost a five-figure repair bill the first time it lands on you.

A Boston software engineer moved from a suburb to downtown but kept the cheaper suburban address on his auto policy. After a parking lot accident, his insurer denied the $32,000 claim for material misrepresentation and refunded all of two years of premiums.