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A friend borrows your vehicle. That person causes an accident. He or she damages your car. And, there is damage to another person’s car, too. Who covers the losses? In a situation like this, it can seem very worrisome to you, but most often, car insurance covers the vehicle. READ MORE >>

Falling asleep behind the wheel of a car is a very serious risk. In some situations, it can lead to wrecks, significant damage or even the death of another person. Most often, your auto insurance covers the damage you cause to other people. Yet, there are some limits. READ MORE >>

Liability insurance is a type of car insurance protecting other drivers should you cause damage to their property or person. Most states require drivers to have this type of auto insurance in place. Yet, state minimums are usually very low. In some cases, they offer so little coverage that you still face significant exposure to risk. READ MORE >>

The foundation of your home is a critical component. Everything builds up from it. A small crack or area of damage could mean the entire structure is at risk. Yet, foundation problems can also be expensive to fix. Will your home insurance help cover your losses? The answer depends on a number of factors. READ MORE >>

Most business owners need to maintain comprehensive insurance coverage for their property. This includes property insurance, contents insurance and liability coverage. Like many consumer-based home insurance policies, business insurance does not outright cover flooding or earthquakes. READ MORE >>

You may be looking for a way to add a bit of privacy and comfort to your home. A she-shed, or a he-shed, is a trendy way of doing just that. Converting an outdoor shed into a space for relaxation can be a good thing. Before you do that, though, you need to be sure you are creating a space that is safe. READ MORE >>

Are you planning to obtain a new auto insurance policy? Perhaps you are looking for quotes on an auto insurance policy to save money. When asked about your driving record, be honest. Not doing so is going to cost you in the long term. Most drivers will find car insurance even if they have a few points on their license. READ MORE >>

Are you responsible for another person’s injuries if they happen on your property? Initially, you may believe the answer is yes. But, there are some limitations. If a trespasser enters your property, you still have some responsibility for providing a safe space. READ MORE >>

When an accident occurs, do the right thing. Report it. Call the police to get an official statement over what happened on record. Be sure to file a police report. Then, call your auto insurance agent. The fact is, if you do not report it, chances are they will learn about it anyway. READ MORE >>

Your parents are getting older. You worry they may not be as skilled behind the wheel like they used to be. In situations like this, many people want to know what to do. And, how do you know when your senior loved one is no longer safe behind the wheel? Your auto insurance provider needs to know this information as well. READ MORE >>

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