Rideshare Insurance and the App-On Coverage Gap
Rideshare driving can create different insurance periods, and a personal auto policy may exclude livery use while a transportation network company provides different…
Keep readingAuto Field Guide
Car insurance gets easier once you separate the coverages.
Liability, collision, comprehensive, uninsured motorists, deductibles, rental reimbursement, accident documentation, and total-loss questions all work differently.
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Stories and explanations for auto insurance.
Usage-Based Insurance and Telematics Explained
Usage-based insurance uses telematics data—such as mileage and driving behavior—to help an insurer evaluate risk or price coverage, so consumers should understand both…
Keep readingNon-Owner Car Insurance Explained
Non-owner auto insurance is liability-focused coverage for someone who does not own a vehicle but regularly drives vehicles they do not own; it…
Keep readingRental Car Insurance: What Your Auto Policy May Already Cover
A personal auto policy may extend some liability, collision and comprehensive coverage to a short-term rental, but the rental contract can create additional…
Keep readingDiminished Value Claims Explained
A diminished-value claim seeks compensation for the reduction in a vehicle’s market value after an accident even after repairs, but whether it is…
Keep readingHow Auto Insurers Determine Fault and Liability
Fault in an auto claim is determined from the facts, applicable traffic and negligence law, evidence and each jurisdiction’s liability rules; a police…
Keep readingBodily Injury vs. Property Damage Liability Explained
Auto liability usually separates bodily injury from property damage. Bodily injury addresses covered injuries you cause to other people; property damage addresses covered…
Keep readingSplit Limits vs. Combined Single Limit Auto Liability
Split liability limits assign separate ceilings to bodily injury per person, bodily injury per accident and property damage, while a combined single limit…
Keep readingWhat Happens When an Auto Claim Exceeds Policy Limits?
When a covered liability claim exceeds the at-fault driver’s policy limit, the insurer’s contractual payment obligation is generally capped by the applicable limit,…
Keep readingWhat to Do If the Other Driver Has No Insurance
If the at-fault driver has no liability insurance, uninsured motorist coverage, collision coverage, health/PIP/MedPay and direct recovery from the driver may become relevant…
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