Insurance News Center

All About Auto Insurance

BI? UM? PIP? Trying to make sense of your automobile policy coverage options and the limits that you need? We can help! We’ve covered the basics below, which provides the information you need (including acronyms!) to understand your automobile insurance policy and coverage options.

Comprehensive and Collision Coverage

Collision - Covers damage to your car when your car hits, or is hit by, another vehicle or other object....


Auto insurance can be confusing at times. Policies often contain a variety of terms that can be difficult to understand, especially for someone without a background in insurance.

The following is a list of common auto insurance terms to keep in mind the next time you meet with your insurance broker:

  • Accident report form: Sometimes referred to as a police report, this form contains important information about an auto accident, such as circumstances that led...

Did You Know?

Insurance is mandatory in order to operate a vehicle in the United States, and every state has specific coverage limits that you must meet. While meeting these minimum limits may be enough to get you on the road, they are often inadequate if you are involved in a serious accident. As such, you may want to consider raising your limits in order to secure the right protection.

The Problem with Minimum Coverage

Most states require drivers to carry basic...


Teens and young adults often face hefty auto insurance premiums because, statistically, they are more likely to get into car accidents. The Department of Motor Vehicles reports that the crash rate for those between the ages of 16-19 is 2.7 times greater than that of the average driver. However, most carriers offer a simple solution to combat this financial burden—offering a good student discount.

The good student discount is an auto insurance discount provided by carriers that...


Automobile accidents are an expensive liability for companies that rely on the use of vehicles for their business. That risk has increased in recent years, mainly due to distracted driving and a legal concept called negligent entrustment.

Negligent entrustment occurs when an employer is held liable for negligence in choosing an employee to operate a dangerous instrument, usually a vehicle. An employer can be found negligent if both of the following situations occur:

  1. A...

Uber, Lyft and other ride-sharing services can make it easy to get a quick car ride or make some extra income, and they’re only becoming more popular. In fact, in the cities where these platforms are available, taxi ridership has declined anywhere from 10 to 30 percent. However, the convenience of ride-sharing isn’t without risks. Most ride-sharing businesses are in the early stages of development, and the popularity, risk management and compliance issues they’re facing are all in uncharted...


Your car’s tires are one of the keys to safe driving, particularly when roads are slick, icy or snowy. Before any wintry weather descents, it’s a good idea to check your tires. We love this infographic from – it offers tips for checking your tires for proper inflation and signs of deterioration.

We also point you to a few prior posts on our blog that talk about different aspects of tire safety:

  • ...

1. Know your state law: Child Passenger Safety Laws

2. Get the right seat for your child and your vehicle. Learn more about the four Car Seat Types. Make sure...


Don’t let last week’s snow fool you – it’s just about time to take that motorcycle out of mothballs and get it on the road. But first, before you do anything else, check to be sure that you have motorcycle insurance to protect that investment.

The Insurance Information Institute (III) offers the lowdown on motorcycle insurance...



Subscribe to Insurance