Insurance

How Long Do You Have to File an Insurance Claim?

Insurance provides a financial safety net. When unexpected accidents create upheaval, insurance limits the financial impact, enabling you to repair or replace vehicles, homes, or other items. Auto insurance is one of the most common types of insurance people purchase because most states make it a legal requirement for vehicle owners. In 2020, the United …

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Is It Illegal to Drive Without Insurance?

Car owners incur considerable expenses, including gas, maintenance, registration fees, and auto insurance. Insurance is a financial safety net for car owners. When your car is insured, your auto insurance plan covers the majority of the costs of repairs when you’re in a motor vehicle accident. It also compensates car owners if their car is …

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What Happens When an Insurance Claim Is Made Against You?

A  car insurance claim occurs after you have been involved in a car accident with another driver. A claim can be made against you or on your behalf. Typically, both parties will file a car insurance claim against each other, and insurance companies will battle it out to reach a resolution.  What happens when a …

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Is Florida a No-Fault State?

Florida has been a no-fault state for automobile insurance since 1972, but that could all be about to change. Senate Bill 54¹ (SB 54), which passed in April, would eliminate the no-fault Florida law. Eliminating this law would mean increased required coverage and huge changes for the state.  Proponents of the bill argue that this …

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Florida Motorist Insurance Laws Miami Drivers Should Know

Even though Florida law requires all drivers to carry liability insurance, some people take to the roads without having the proper coverage. In fact, the Florida Insurance Council estimates that as many as 23 percent of drivers don’t have insurance. That means, if you’re in a car accident in Miami, the chances of the other …

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How an Insurance Adjuster Works to Limit Your Settlement

Insurance adjusters work to limit your settlement to increase their profits. Insurance companies make their profits when they take in premium payments but pay out far less in claims. Insurance adjusters are representatives of the insurance company. It’s their goal to resolve cases for as little as possible. But how do insurance adjusters limit your …

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