Insurance Basics & Coverage

A simple guide explaining why every driver needs insurance, what it covers, and how it protects you from unexpected costs.

Understanding policy terminology for beginners

Breaks down confusing insurance jargon into easy-to-understand terms so you can read your policy without scratching your head.

Liability vs Collision vs Comprehensive – what’s the difference

Explains the main types of coverage, with real-life examples, so you know what each policy actually pays for.

Uninsured Motorist & Gap Insurance explained

Clarifies special coverage types that protect you if someone hits you without insurance or if your car’s value drops faster than expected.

States tweaking minimum coverage rules, what drivers should know

Some states are raising minimum liability limits, and a few are reviewing them for next year. It might bump rates a bit, but also helps people avoid being underinsured. Quick rundown on which states started making moves and what it means for everyday drivers.

Weather related claims rising this season

Hailstorms, sudden floods and weird temp swings are hitting certain regions again. That means more comprehensive claims piling up. A short look at why this affects premiums and what drivers can do to prep their cars ahead of time.