Auto Insurance

In most states, a passenger’s medical bills are paid first by PIP/MedPay auto coverage, then by the at-fault driver’s liability insurance, with health insurance often covering gaps. Which policy pays depends on your state’s no-fault rules, the drivers’ coverage limits, and who caused the crash. This article explains the order of payment, claims options, and […]

Yes—driving without insurance is illegal in 49 states and D.C., with New Hampshire as the main exception (and Virginia allowing an uninsured fee). Penalties can include fines, license/registration suspension, vehicle impoundment, and possible jail, especially for repeat offenses. This guide breaks down the exact penalties and requirements for every state. The Short Answer: Yes, Driving […]

Underinsured motorist coverage (UIM) pays the difference when the at‑fault driver’s liability insurance limits don’t fully cover your damages. It can help cover medical bills, lost wages, and other losses after a serious crash when minimum limits are too low. This article explains how UIM works, what it covers, and how claims are handled. Underinsured […]