​When you get into an accident that seems relatively minor, you may end up surprised when your insurance company declares your vehicle totaled. Also known as declaring a total loss, this decision relies on different information than you might expect. Understanding the total loss formula will give you some insight into what might happen the next time an accident damages your vehicle.

​After a car accident, one of the first things you should do is call your auto insurance provider. Your agent is your go-to solution. They will work with you, the police, and the appraiser to ensure repairs happen quickly. Consider for yourself some of the benefits of their service.

It is important for you to follow the guidance your agent provides. There may be specific shops to visit for repairs trusted by the insurer. The process does not have to take long. However, it has to be complete.

As you shop, a driver sideswipes your vehicle in the parking lot. They leave. What are your options? Private property damage is not uncommon. It can occur at your home, in a parking lot, or just about any other location. The police may be able to help. Your auto insurance agent can help you, too, depending on the type of insurance you have.​

​If you cause an accident, meaning it’s your fault, you can probably understand that your car insurance rates should go up. But what if the other driver was 100% at-fault? Even then, it's still possible to see a rate increase. The reason is that it might have been possible for you to avoid the accident.

​Vacations are a time to unwind and not have to worry about what’s happening at home. Yet, this is likely your largest asset. You need to consider what you can do to reduce the risk of having to file a home insurance claim when you get back. A few simple things can help to make your home a bit safer while you are not there to monitor it. Here’s where to start.

​Most people buy a car based on the way it can work for their needs. You want a car that’s reliable, safe, and fully featured. Yet, you also have to factor in the cost of auto insurance. If you do not, you may get a surprise later to learn the policy is just too expensive for you. To avoid this type of situation, consider what features can help you save on auto insurance. Do this while buying your next car. Here is where to start.

​It’s easy to talk about why you have to have car insurance. It may be a requirement in the state you live in. Yet, it’s a very good investment for yourself and your family, too. There are numerous benefits of having a policy that offers complete protection to you. Here are a few key examples of when auto insurance benefits you.

​Is it time for you to update your home’s siding? The siding is more than just designed to provide aesthetics to your home. It also is an important way to protect the structure itself. That is why it is always important to maintain it. When damage occurs, have it repaired as soon as possible. You also want to consider how updating your siding, especially with wind-resistant products, might help lower your home insurance costs. Here is more insight.

​Speed limits exist for a reason. At high speeds, auto accidents can be very dangerous. Just going 10 to 15 miles over the limit may cause significant damage. However, when you are going faster than this, a rollover can happen. This can cause life-threatening injuries and total your car. If this happens to you, could you file an auto insurance claim? Whether or not you can do this depends on many factors. Here’s some insight to consider.

​The investment in business insurance can be a difficult one for some people. This type of insurance is invaluable, however. You need it to help defray the costs of many risks associated with managing your business. Yet, having a policy that fits your goals may seem expensive. How much will it cost you? Take a closer look at what factors impact your policy’s costs.