What Happens If Your Vehicle is Totaled?

A blue car on the side of the road that was rear-ended by a white car.When you take your insurance’s definition of a total loss into consideration, it’s easy to see why a seemingly minor dent totaled your 2007 Saturn Aura. By most definitions, a vehicle is considered totaled when the cost of repair exceeds the actual value of the car. If your car’s value is low enough, even a slight fender bender can result in a total loss declaration. However, though it’s easy to understand how a car can be considered totaled, it’s less obvious what happens after your vehicle is totaled. Let’s review the insurance process and what this designation means for you. [Read more…]

How Does a DUI Affect Your Auto Insurance?

A man in the driver's seat of a car breathing into a breathalyzer to determine the possibility of a DUIDriving under the influence is a serious offense that can not only temporarily lose your license but can affect your insurance for years to come. While everyone finds this an easy misdemeanor to avoid, people aren’t always aware of how just two drinks can put you over the legal limit or that certain prescription drugs can land you in deep water behind the wheel. There are obvious safety concerns when it comes to drinking and driving, but let’s review the further financial implications by discussing how a DUI can affect your auto insurance. [Read more…]

Why You Shouldn’t Neglect a Vehicle Recall

We likA mechanic in a manufacturers auto body shop inspecting a car's engine due to a vehicle recalle to think that the vehicle we drive is safe and reliable, but malfunctioning parts are far more common than we think. Even when we receive a vehicle recall notice in the mail, it can be easy to ignore the problem, as fixing it can be a considerable inconvenience. However, it’s essential to recognize how important these recalls are, as even the smallest malfunction can lead to life-threatening situations. Not only can ignoring recalls be a threat to your safety, but they can affect your insurance and result in legal ramifications. It’s time to understand how neglecting a vehicle recall can hurt you. [Read more…]

6 Ways to Save When Adding a Teen Driver to Your Auto Policy

A father sitting in the passenger seat of a car teaching his teenaged daughter how to drive.It’s an exciting moment in every teen’s life when they get their license. It allows them greater independence, but not so much so that they don’t need to rely on your help insuring their new car. While adding a teen driver to your policy is likely to increase your insurance rates a great deal, there are discounts that can lighten the financial load. Let’s review some of the ways to save when adding a teen driver to your auto policy. [Read more…]

Rental Reimbursement Coverage: Covering Your Rental Car

A man offering a pair of rental car keys with a white sedan in the backgroundAutomobiles have become an essential part of many of our lives. We use them to commute to work, drop the kids off at soccer practice, and run errands. So when your vehicle is held up in the repair shop after an accident, it can quickly derail your schedule. In these cases, a rental car may be your only option. However, renting a car for several days – especially given the price hike from the pandemic – can quickly add up. This is where rental reimbursement coverage comes in handy. Let’s review this helpful addition to your policy and when it will help you out when in need. [Read more…]

Avoiding Incidents and Accidents Caused by Road Rage

A man pressing his hand on the car horn of a steering wheel, meant to represent road rage.It can be irritating to be running late for an appointment and encounter a traffic jam. This mounting frustration is not only distracting and stressful, but it can also lead to aggressive, unsafe driving. It can be equally stressful to be on the receiving end of road rage should you mistakenly cut someone off or simply be in the wrong place at the wrong time. Since angry drivers contribute nothing but increased risks while driving, it’s important to learn how to avoid incidents and accidents caused by road rage. [Read more…]