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Citation vs. Ticket: Simply Explained (2024)Post

Citation vs. Ticket: Simply Explained (2024)

Many drivers wonder “is a citation a ticket” and do citations go on your record. You should know, there is no difference between a citation and a ticket in most states. These terms are used interchangeably to describe a violation of laws related to driving. Both traffic citations and tickets can increase your auto insurance...

Many drivers wonder “is a citation a ticket” and...

Vehicle Registration vs. Vehicle Title: Simply Explained (2024)Post

Vehicle Registration vs. Vehicle Title: Simply Explained (2024)

You may have heard two terms related to your vehicle: vehicle registration and vehicle title. Is there a difference between the two? Yes, they are two different documents. Today, we’re explaining everything you need to know about the difference between a vehicle’s registration and title. Read on to learn more for help with understanding auto insurance laws...

You may have heard two terms related to your vehicle: vehicl...

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Can you rent a car without having a personal auto insurance policy?Post

Can you rent a car without having a personal auto insurance policy?

There are certain instances where drivers may need to rent a car even if they don’t have their own auto insurance policy. Can I rent a car if I don’t have insurance? What happens if you rent a car without personal insurance? Renting a car without insurance might seem unusual, but it’s sometimes necessary, especially...

There are certain instances where drivers may need to rent a...

How do auto insurance companies value cars?Post

How do auto insurance companies value cars?

After an accident, your insurer is responsible for repairing your car to its pre-loss condition. If your car was worth $15,000 before an accident, then your insurance company is required to repair your vehicle or cut you a check for $15,000. But how do insurance companies value cars? Which formula does an insurance company use...

After an accident, your insurer is responsible for repairing...

Why You Should Never Use a Fake Insurance CardPost

Why You Should Never Use a Fake Insurance Card

It’s one of the oldest tricks in the book. You print a fake insurance card, then give that auto insurance ID card to another driver after you get into an accident. You escape without penalty, and the other driver has no way to track you down. The allure of this is why one of the...

It’s one of the oldest tricks in the book. You print a...

FS-1 Document for Auto Insurance: Simply Explained (2024)Post

FS-1 Document for Auto Insurance: Simply Explained (2024)

The FS-1 is a document required for certain drivers in North Carolina. If you have allowed your car insurance coverage to lapse, then you may be required to provide an FS-1 document to prove you have car insurance. The FS-1 demonstrates proof of financial responsibility. It works in a similar way to the SR-22 document,...

The FS-1 is a document required for certain drivers in North...

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Clean Driving Record for Auto Insurance: Simply Explained (2024)

What You Should Know A clean driving record is typically one with no moving violations, accidents, or other incidents Definitions of a clean driving record may vary depending on which auto insurer you purchase coverage from and which company you apply to work for A clean driving record can save an average of 37% on rates over rates...

What You Should Know A clean driving record is typically o...

Is there a fee to cancel auto insurance?Post

Is there a fee to cancel auto insurance?

There are a number of reasons why you might want to cancel your car insurance. Some people are switching to a new insurance provider. Others are getting rid of a vehicle altogether. Some are just tired of paying the insurance premiums or dealing with a disreputable carrier. When you cancel car insurance, however, you may...

There are a number of reasons why you might want to cancel y...

What will the insurance company pay for when someone dies in a car accident?Post

What will the insurance company pay for when someone dies in a car accident?

According to the IIHS, there were 37,133 fatalities from motor vehicle crashes in the United States in 2017. Every year, thousands of drivers lose their lives in vehicle accidents. Most people know that auto insurance covers certain medical expenses. However, auto insurance can also provide certain death benefits. What will auto insurance pay for after...

According to the IIHS, there were 37,133 fatalities from mot...

Can you cancel an auto insurance claimPost

Can you cancel an auto insurance claim

Can I cancel an insurance claim? There are a number of reasons why you might want to cancel auto insurance claim. You might not want a claim to appear on your record, for example. Or, you may decide a minor accident just isn’t worth the hassle. Can you cancel an auto insurance claim? Is it...

Can I cancel an insurance claim? There are a number of reaso...

Are you required to add your children to your auto insurance policy?Post

Are you required to add your children to your auto insurance policy?

In some states, drivers are required to add children to their car insurance policies. In other states, you’re not required. Today, we’re explaining everything you need to know about adding children to your car insurance policy. Licensed Teen Drivers May Need to Be Added to Your Car Insurance Policy If your teenaged child has a...

In some states, drivers are required to add children to thei...

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Auto Insurance Inquiry vs. Auto Insurance Claim: Simply Explained (2024)

What’s the difference between insurance inquiry and insurance claim? Most policyholders are aware that frequent insurance claims will raise their premiums. However, many policyholders are unaware that simply asking your insurance company about making a claim can also raise rates – even if you have never filed a claim. It’s true. In some cases, insurance...

What’s the difference between insurance inquiry and in...

Auto Insurance Redlining: Simply Explained (2024)Post

Auto Insurance Redlining: Simply Explained (2024)

When researching car insurance, you will occasionally come across the term ‘redlining’. Auto insurance companies may be accused of redlining, for example, or a certain community might face higher insurance prices due to redlining. What is ‘redlining’ with auto insurance? Does redlining still occur today? Is redlining illegal? Today, we’re explaining everything you need to...

When researching car insurance, you will occasionally come a...

Do you have to tell your insurer about old car accidents?Post

Do you have to tell your insurer about old car accidents?

So you have an accident on your driving record. You’re applying for car insurance – but you want to get a great price. A single at-fault accident can cause car insurance premiums to double. Do you really have to tell your car insurance company about an old accident? Or can you safely ignore an old...

So you have an accident on your driving record. You’re app...

Can my auto insurance company use aftermarket parts to repair my vehicle?Post

Can my auto insurance company use aftermarket parts to repair my vehicle?

Your car insurance provider is required to repair your vehicle to its pre-loss condition (read our “Does auto insurance cover pre-existing damage?” for more information). However, there may be some debate over what that actually means: can your insurance provider use aftermarket parts to repair your vehicle? Can your insurance company use a third party...

Your car insurance provider is required to repair your vehic...

What happens if you can’t afford your deductible?Post

What happens if you can’t afford your deductible?

Car insurance deductibles can be expensive. You might make a valid claim on your car insurance, only to discover that you need to pay a $500 or $1,000 deductible to your insurance company before the claim can be complete. What happens if you can’t afford to pay your car insurance deductible? Today, we’re explaining everything...

Car insurance deductibles can be expensive. You might make a...

Can you buy a car if you don’t have insurance?Post

Can you buy a car if you don’t have insurance?

So you don’t have auto insurance, but you want to buy a new car. Can you buy a car if you don’t have insurance? Today, we’re going to answer that question and explain everything you need to know about insuring a new car the day you get it so you don’t have to worry about...

So you don’t have auto insurance, but you want to buy a ne...

How long does it take for an accident to get off your record?Post

How long does it take for an accident to get off your record?

Your car insurance rate will almost always increase after an at-fault accident. Fortunately, you don’t have to pay a higher car insurance rate forever. Eventually, even the worst at-fault accidents will disappear from your record. So, how long does an accident stay on your insurance? Today, we’re explaining everything you need to know about waiting...

Your car insurance rate will almost always increase after an...

Can I switch auto insurance companies if I have an open claim?Post

Can I switch auto insurance companies if I have an open claim?

If you have an open claim with a car insurance company, then you might be wondering if you can switch to a new provider. Can you switch car insurance companies if you have an open claim? What happens if you switch car insurance companies mid-claim? Today, we’re answering all your questions about moving to a...

If you have an open claim with a car insurance company, then...

If I switch or cancel auto insurance will I get a refund?Post

If I switch or cancel auto insurance will I get a refund?

If you decide to switch or cancel your car insurance, will your insurance company send you a refund? Can you get a refund if you switch or cancel car insurance? Today, we’re answering all your questions about whether or not refunds are available when you switch or cancel auto insurance policies.Read More: How to Cancel...

If you decide to switch or cancel your car insurance, will y...

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