Classic cars are undoubtedly at the top when it comes to vehicles. Their unique features set them apart from all the rest. As is the case with all things that draw attention, classic cars are prone to being stolen and vandalized. Because classic cars are rare and expensive, large insurance agencies and agents won’t even consider offering […]

Let’s look at the “loss-of-use” exclusion in your car insurance policy. It describes what alternate transport your insurer will provide if your vehicle becomes unusable due to theft or accident. The majority of cases, the answer is negative. A few insurance companies have a team that can repair your vehicle and provide a courtesy vehicle if […]

Many people have difficulty accepting the possibility that they may be at fault for an accident. This is especially true for elderly drivers with a clean driving record of 40 years or who have completed advanced driving courses. I still have a copy of a claim form that stated “This accident was not my fault” – I […]

You always consider the cost of a car when you’re out shopping for one. You should also consider the cost of your car insurance. Car insurance rates play a significant role in determining the monthly cost of driving that vehicle. Consumers are often asking themselves whether “cheap” insurance is worth the cost. If you don’t plan on being […]

In that they aim to make profits, insurance companies are no different from any other business. A company must accurately price its products to make profits. There are many methods to do this. Underwriting is the insurance company’s method of “evaluating” a risk to determine a price and profit. No longer are driving records, accident history and […]

A parking lot accident can ruin your weekend. Parking lots can be dangerous traps, as anyone who has ever been to the grocery store knows. It’s not unusual to see people running away from the store whileSmoking a cigarette or using their cell phone to communicate is a bad habit. Even worse is when you have a cellular […]

Bodily injury claims are made when you are injured by the negligence or faults of another person. You will usually deal with the insurance company for the victim (if they have any insurance), but you may also deal with your own insurance company if the person you are dealing with does not have liability coverage. Uninsured bodily […]

Natural disasters can cause devastating damage like few other things. Natural disasters can do extensive damage, from wildfires to hurricanes. It is important to know how to begin the recovery process after a natural disaster. This will make a big difference in your ability to rebuild your life quickly and return to normal. You want to be […]

Consumers want solid, affordable auto insurance coverage. You may be surprised to find that car insurance will cost you more if you have poor credit. Low credit drivers tend to file more claims that drivers with better credit scores. Insurance companies will charge more for this higher risk. There are many ways to get affordable car coverage if you have […]

Passaic County drivers saw 4,038 vehicle crashes in 2019. This shows how important it is to have good car insurance. It is important to add comprehensive coverage to your policy, as the city was the scene of 456 vehicle thefts. Paterson’s average annual rate for auto insurance is $1,259 to get minimum coverage, and $2,565 to get full coverage. We […]