Umbrella and Excess Liability: Cover Above the Policy Limit
When a serious injury exceeds your non-owner limits, an umbrella policy pays the difference. Who needs one, what it costs and the…
SR-22 Filing: What It Is, What It Costs and Why It Is Not Insurance
An SR-22 is a certificate, not a policy. How the filing works on a non-owner policy, which carriers write it, and what…
What a Non-Owner Policy Excludes — and the Five Exclusions That Matter
Borrowed-vehicle damage, regular use, delivery work, owned vehicles and racing. The exclusions that turn a covered crash into a denied claim.
PIP vs MedPay: Two Ways to Cover Your Own Medical Bills
Personal injury protection and medical payments look similar and behave differently. Which one you get depends on the state, and the difference…
Uninsured Motorist Coverage: The Part of the Policy That Pays You
UM and UIM pay your own bills when the at-fault driver has no insurance or too little. Why it matters more on…
Property Damage Liability: The $5,000 Problem
Property damage limits have not kept pace with repair costs. What PD pays, what it excludes, and why the state minimum can…
Bodily Injury Liability: How the Two Numbers Work Together
The 30/60, 50/100, 100/300 notation is the most misunderstood part of an auto policy. Here is what each figure covers and where…