- The $1,100 Windshield: Glass Claims in the Camera Era
A chipped windshield used to be a $60 fix. With ADAS cameras behind the glass, replacements now demand calibration. What glass coverage does and when claims count.
- Deer Season, From the Claims Side
Animal strikes are comprehensive claims, not collision, and that distinction is worth money. Deer season claim mechanics, the swerve trap, and prevention that works.
- “Can I Borrow Your Truck?” What You’re Actually Agreeing To
Insurance follows the car, mostly. What happens when a friend wrecks your vehicle, who pays, whose record it goes on, and when lending gets you excluded.
- Insurance Without a Car: Who Actually Needs a Non-Owner Policy
No car, still driving? Non-owner policies cover liability when you borrow and rent, keep your insurance history alive, and cost less than people expect.
- The Company Car: Whose Insurance Is Driving?
Driving an employer's vehicle blurs two insurance worlds. Personal use permissions, the household with no personal policy, and extended non-owned coverage explained.
- The $3,400 Fender-Bender: How Car Tech Rewrote Repair Math
Sensors in bumpers, cameras in mirrors, headlights that cost four figures: how vehicle tech reshaped repair costs, and how to shop cars with insurance eyes.
- Driving After 65: What Happens to Your Insurance, and What You Can Do About It
Rates drift up again in the senior years, and the discounts drift up too. Mature driver courses, low-mileage pricing, and honest family conversations about driving.
- The Wildfire Score on Your Address (and How to Argue With It)
Carriers score wildfire risk by parcel now, and your mitigation actually moves the answer. Defensible space zones, home hardening, and staying insurable in fire country.
- Frozen Pipes: Winter’s Biggest Claim Comes With Homework Attached
Burst pipes are winter's biggest claim, and policies attach conditions: maintain heat or drain the system. What's covered, what voids it, and the $40 prevention list.
- The Special Limits Hiding Under Your Valuables (and How Scheduling Fixes Them)
Your policy caps jewelry theft around $1,500 and firearms similarly. How special limits work, when to schedule items or use a floater, and what appraisals you need.
