The definition of “American way” will determine whether or not a particular type of carrier does business in the American manner. There is no one accepted definition of the term. Some definitions would exclude state funds. Others would exclude mutuals and reciprocals. Other definitions would also exclude Lloyd’s of London. However, other definitions would include all carriers that do business […]

It is known that President Dryden of Prudential and President Knapp of Metropolitan were both close friends of Prudential of London. Both were able to see the operation of the business firsthand when they went to London. They were treated with every kindness by Stewart L. Woodford (the Metropolitan’s Attorney), and Mr. Knapp. They returned with a clear […]

Many small businesses are operating today without any liability insurance. Workers’ compensation insurance is mandatory by law. Many business owners want to reduce operating costs. However, in today’s environment where worker compensation claims are on the rise, it is highly risky to operate without liability coverage. What took years to build up can be destroyed by […]

Motor vehicle accidents are the leading cause of injury death in Georgia and the second-leading reason for hospitalizations. It’s no surprise that Georgia insurance companies take high-risk driving seriously due to the large number of fatalities and injuries attributed to car crashes. Drivers who have been convicted of DUI, had at least one speeding ticket and […]

You may be wondering if you are a high-risk New York driver if you have been involved in a driving accident or multiple. An insurance company considers a high-risk driver anyone who is likely to file an insurance claim in the future, regardless of driving record or age. New York is a safe state, even though […]

High-risk drivers drivers who are young and new to driving, with low credit scores, coverage lapses, or multiple violations on their driving records. This includes multiple accidents, multiple speeding tickets, and a DUI. In 2019, North Carolina had an average death rate of 14.02 per 100,000 people. This is significantly higher than the national average. 18.8% of those deaths were […]

About 2.5 Million licensed drivers reside in Oklahoma. Oklahoma has an average cost of car insurance at $423 per year for minimum coverage and $1,873 for full coverage. This is lower than the average national cost of car insurance which averages $565 annually for minimum coverage and $1,674 per year for full coverage. It is less expensive than […]

Despite Indiana having miles upon miles of farmland it is only 14% that live in rural areas. Car owners are most likely to live in cities like Evansville and Indianapolis, which means they will pay more for coverage. In Indiana, the average cost for car insurance is $367 for basic insurance and $1254 for complete insurance. What is the […]

Due to the high number of accidents-related lawsuits, Louisiana’s average car insurance rates are higher than anywhere else in the country. Louisiana’s average car insurance cost is $975 for basic coverage, and $2724 for full coverage. This breaks down to approximately $80 or $227 per monthly. You can save money on Louisiana auto insurance rates. This could help […]

The current rate for home ownership in Washington D.C. stands at 41.6%. This is well below the 65.8% national average. Washington, D.C. homeowners insurance is cheaper than the national average. D.C. residents pay $902 per year for a policy that covers $250,000 of dwelling coverage, which is lower than the national rate of $1.477. You can compare multiple companies […]