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Proposed government changes could bring an end to the seemingly endless rise in car insurance costs. New proposals will result in a major U-turn in the Ogden rate, the rate at which compensations are made to victims of serious accidents, which is also known as the Ogden Rate. In an effort to make the system […]

These are the Three Essential Parts of an Auto Insurance Policy 1: Other Party Auto insurance Bodily Injury (BI), Liability (PD) and Property Damage (PD), coverages are legally required in many states. (BI & PD). Most people know they need BI & PD coverage, but don’t know how to decide how much. This is a simple […]

NerdWallet writers are subject matter experts who use primary, reliable sources to produce content for our website. All content is reviewed for accuracy and timeliness before being approved for publication. Mutual insurance companies exist all around the globe and aim to provide coverage at or close to cost, returning any profits back to members in […]

COLA riders allow your primary insurance amount (PIA) to increase each year based on inflation; however, they come at an extra cost. Before making a decision to add a COLA rider, it is important to take into account all costs involved, including going through underwriting again, answering health questions and receiving medical exam results. Being […]

You will need to file an insurance claim if your vehicle is involved in a collision, or your car is damaged while you are driving it. You can file a claim to have your vehicle repaired or replaced. You may be eligible for a loaner vehicle, depending on which insurance company you have. Find out if you […]

Are you in search of a life insurance policy but don’t know where to start? Look no further! In today’s digital age, finding the right life insurance policy has become easier than ever before. But with so many options out there, it can be challenging to narrow down your choices and find the perfect fit […]

Are you planning your next adventure but wondering if travel insurance is worth the investment? With so many variables to consider, it can be challenging to decide whether or not to purchase coverage before booking your flight. From unexpected cancellations and medical emergencies to lost luggage and flight delays, there are numerous incidents that travel […]

Love is the power of will; love is spiritually called will power. When someone says “God loves”, it actually means “God is Will”. The creation is caused by the love of God, the Will to God. Our earth and heaven are governed by universal laws. If someone says “I love it to do that”, it means “I will do […]

Health savings accounts offer triple tax benefits: contributions are tax-deductible, earnings on investment earnings are tax-free and withdrawals used for qualified medical expenses are free from federal income tax; insurance premiums do not qualify. IRS offers an exception for individuals receiving federal or state unemployment benefits or COBRA coverage and who use HSA funds to […]

Most insurance companies allow between seven and 30 days of grace period after one missed payment for your car insurance policy to remain active; otherwise it could result in policy cancellation and other serious repercussions such as reduced coverage and higher rates on subsequent auto policies. Car insurance lapses can have serious financial repercussions, from […]