How to Drive Safely in Snow Everyone needs to learn how to drive safely in the snow if there’s any chance you’ll be behind the wheel during this type of storm, but you don’t have to feel overwhelmed or afraid of doing so. With a few winter driving safety tips, Read more
What is Insurance Coverage in Car Insurance? Insurance is coverage provided by an organization that protects the insured from covered losses. This protection is provided in exchange for a payment or “premium”. Various forms of car insurance may cover expenses related to injuries sustained in a crash, damage to vehicles Read more
What is an Insurance Policyholder in Car Insurance? An insurance policyholder is someone who owns an auto insurance policy. All auto insurance policies are essentially contracts between policyholders and insurance companies. The insurance policyholder purchases the auto insurance and owns the policy. As a result, they have specific legal rights Read more
What is Liability Coverage in Car Insurance? When you purchase any auto insurance policy, liability coverage will be included. Specifically, liability coverage is meant to help cover any costs related to another driver’s bodily injuries and property damage in the event of an accident where you’re at-fault. All drivers are Read more
What is Medical Payments Coverage in Car Insurance? Medical Payments Coverage is a type of insurance that covers medical expenses if you’re involved in a car accident, regardless of who is at fault. Some medical payments insurance coverage also helps cover the medical expenses of other passengers in your vehicle, Read more
What is a No-Fault State in Car Insurance? Most states in the country will assign fault for an auto accident, but there are about a dozen of them that are considered no-fault states. Some examples of no-fault states include Michigan, Kentucky, Pennsylvania, and Florida. Specific no-fault rules and regulations can Read more
What is Physical Damage Coverage in Car Insurance? Physical damage coverage is a type of auto insurance coverage. It is actually an umbrella term that covers a selection of different physical damage coverage types, such as collision, comprehensive, and fire and theft coverage. All physical damage coverage aims to protect Read more
What is PIP in Car Insurance? PIP is short for Personal Injury Protection Insurance. It is a type of loss protection coverage that is the foundation of car insurance protection in states with “no-fault” auto insurance. Personal injury insurance assures that the insured’s medical expenses and lost wages are covered Read more
What is PLPD in Car Insurance? Personal liability and property damage (PLPD) coverage, also commonly referred to as state-minimum coverage, is a type of auto insurance policy that includes only the minimum amount of coverage required by law. Since each state sets forth their own auto insurance requirements, specific characteristics Read more
What is an Insurance Policy Declaration Page in Car Insurance? An insurance policy’s declaration page is usually the initial or front page of a policy. It contains basic information about the insured and the coverage the policy provides. Information included in the declaration page may include the insured’s name and Read more