Auto Insurance

Auto insurance rates are not random. Insurers calculate premiums using data tied to risk, behavior, and driving patterns—many of which drivers don’t realize affect...

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.

His dashcam caught the brake-check that staged the crash. The insurer did not just deny the claim. It rescinded the policy, referred him for fraud, and flagged his CLUE record.

A Los Angeles DoorDash driver rear-ended a sedan at 6:47 p.m., before accepting any delivery. Her insurer denied the $11,400 claim and canceled the policy. A $14 endorsement would have covered it.

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.

She thought full coverage meant a free loaner while her car was repaired. The daily limit and total cap on rental reimbursement left her covering the rest herself.

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 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.

Comprehensive coverage pays for a stolen car, but not the laptop, tools, or car seat inside it. Auto insurance and theft leave gaps most drivers find out about too late.

Even careful drivers can find themselves in an accident. A sudden lane change, poor weather, or a distracted driver can lead to damage—even at...