We all know how you drive affects your insurance. Your experience, your driving record, your past number of accidents, all contribute to how much you pay for insurance. But, there are also a number of other factors that affect your…
Posts Categorized In: Insurance Operations
FAQ: What insurance do I need?
Question: I don’t know what insurance I should have. How do I figure that out? Answer: This is a tricky question. Let’s start with the basics. (I am going to skip life and health insurance since those are significantly more…
5 secrets from a former insurance adjuster
Okay, so maybe you have always wondered what goes on inside an insurance company. Sadly, not much. But, there are some things you should know. 1. INSURANCE COMPANIES TRACK EVERY CLAIM YOU ARE INVOLVED IN Yes, they track EVERY claim,…
FAQ: Should I disclose my policy limits?
Question: I was involved in a car accident. The other side has sent my insurance company a letter asking for my policy limits. Should I disclose them? Answer: When you are involved in a car crash, your policy limits are…
FREE Car Insurance Review
I have written about uninsured motorist coverage so often and so few people have listened to it, that I am going to do it again. This time, with an offer! Why do you need uninsured motorist coverage? Despite what the…
More on total losses
I have written a lot about total losses before. You can find those articles here. But it bears repeating since so many people ask me this: why can’t we use Blue Book value? The simple answer is that Blue Book…
FAQ: Why are they closing my claim?
Question: I was involved in a car accident. I am still treating and the adjuster told me that he is going to close my claim. Why? Answer: Sadly, the answer is “because they can.” The insurance company can open a…
FAQ: Do I really need renters insurance?
Question: I rent an apartment. Do I really need renter’s insurance? Answer: YES!!! I cannot be more emphatic. YES!!!! Okay, so I was a little more emphatic. There are two reasons why. The first is less common, but just as…
FAQ: How much car insurance do I need?
Question: I know I have to have insurance in California. How much insurance do I have to have? Answer: How much you have to have and how much you should have are two different questions. Let’s start with the first…
FAQ: What is full coverage?
Question: I want full coverage on my car. What do I need? Answer: I have no idea. Seriously, I have no idea. I have heard the expression “full coverage” for yeras. The problem is that I have no idea what…