Auto Insurance

After a car accident in San Antonio, you should call 911, document the scene, get medical care, and notify your insurer promptly—Texas generally gives you **2 years** to file an injury lawsuit. Early evidence and consistent treatment can directly affect fault determinations, insurance payouts, and the value of any injury claim. This guide explains what […]

[In Georgia, you can recover “diminished value” from the at-fault driver’s auto insurer even after your car is fully repaired. This claim compensates the loss in market value caused by an accident history, a right recognized under Georgia law and reinforced by the State Farm v. Mabry decision. This guide explains eligibility, proof, appraisal tactics, […]

In California, your auto insurer may owe you a rental car (or “loss of use” payments) after a not-at-fault crash if you purchased rental reimbursement coverage—often paying $30–$100 per day up to a policy limit. If you didn’t buy that coverage, the at-fault driver’s insurer is typically responsible for your reasonable rental costs while your […]

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 […]