When is a Car Considered Totaled—And What Happens When It Is?
Posted: September 30, 2024
The first step in determining whether a car is totaled (or, in insurance terms, a total loss) is to calculate its actual cash value (ACV) at the time of the loss. The ACV is how much your vehicle is worth after factoring in depreciation. On average, vehicles depreciate more than 20 percent in the first year and approximately 10 percent each additional year for the...
How Named Storms Affect Your Insurance Coverage
Posted: September 23, 2024
When a hurricane is on the way, you have to act fast. While you’re making an evacuation plan or stocking up on bottled water, the last thing you want to be thinking is, “Will my insurance cover what happens after this?” Yes, hurricanes can be devastating – personally and financially. But anxiety can keep you from being present to what matters most. We want you...
Top 4 Fall Driving Hazards (And How to Handle Them)
Posted: September 20, 2024
The start of fall brings a lot of welcome things: a new school year, cooler temps and changing leaves. You may not notice it right away, but your daily commute is affected by the shorter days and changing weather, too. (For example: Did you know wet leaves can be as slippery as ice?) Stay alert this fall. Here are the top things to look out...
Back to School: Essential Safety Tips for Drivers
Posted: September 16, 2024
School is officially in session. While kids are brushing up on their math and language arts skills, there are still lessons for the rest of us to learn, too—like: Is it ever OK to go around a stopped school bus? And how do I navigate the student drop-off and pickup lane? This time of year, it's important for drivers to slow down and watch out...
How Should I Drive in Heavy Rain?
Posted: September 9, 2024
It starts with a few innocent raindrops on the glass. At first, you might not even bother to turn on the windshield wipers. But judging from the dark skies and rolling thunder, you know it’s just the beginning. Before long, your car is under assault from a rapid barrage of descending beads, leaving a blurry barrier on the windshield while the wiper blades swing at...