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Ape Senior Editor 
Nearly everyone is already aware of the fact that your gender influences the rate you pay for car insurance. That’s because auto insurance policies calculate your rate based on the statistical chance you’ll make a claim, and how large it will be. Men make far more claims, and larger ones, than women, likely because of …
Walking out to get in your car to go to school or work in the morning and realizing that it’s been in a hit and run accident is a terrible feeling. Nothing quite matches that sinking feeling in your gut. Once you get over the shock and feeling of violation, however, you have to start …
Read MoreDoes Car Insurance Cover Hit And Run Of A Parked Car?
If you’ve ever rented a car, you know that one of the biggest fees that could be tacked on to your bill is the fee for optional insurance coverage. Many people opt into this coverage because they’re concerned about the possibility of having liability for an accident when driving a rental car. But the optional …
When you total your car, you become eligible for a settlement that equates to the value of your car. If you took out a loan or were renting the car, it is possible that you still owe money on the car. The amount of a loan typically exceeds the value of the car. That is …
Read MoreHow Does Gap Insurance Work After A Car Is Totaled?
A car insurance deductible is the money that you owe to the insurance company before they pay for damages. You are required to pay the deductible, or the insurance company will refuse to pay for those damages. The only way to avoid paying a deductible on a claim is by not making that claim. Your …
Read MoreWhat Happens If You Can’t Pay Your Car Insurance Deductible?
Under certain circumstances, you may not drive your own car for an extended period. You are not driving your car for your own reason, whether that reason includes repairs, taking public transportation, or having another car. However, you still need certain types of coverage for a few reasons. There are certain things that you want …
It is not your fault, but it happened anyway. Now you are worried about the consequences with your insurance company. If you file a claim, you do not want it to affect you in the long run. As long as you follow the rules of your own insurance company’s and the at-fault driver’s insurance company, …
Read MoreSomeone Hit My Parked Car. Will My Insurance Go Up?
Accidents happen, and sometimes they are your fault. When you are found liable for an accident, you have to pay the other driver’s damages. This includes the cost of a totaled vehicle, a damaged house, and property damage. You can see how an accident that you are liable for quickly adds up to tens of …
There are quite a few reasons why you would lose your license, including a DUI, refusing to pay for a ticket, or driving without insurance. Once you lose your license, there is a chance that your auto insurance company will cancel your insurance. Insurance companies weigh risk versus reward, and a driver with a suspended …
A deductible is money that you owe to the insurance company. You have to pay a deductible to receive the car insurance payout. The deductible is paid out-of-pocket, and you are solely responsible for it. That insurance coverage is what you use to cover the repairs for the damages to your car. The deductible is …
