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Ape Senior Editor 
Obviously car insurance only came into existence once cars were invented. The first car was invented in 1886. The first recorded car insurance policy was sold in 1898 by Travelers Insurance to a doctor who wanted to insure his horse and buggy. However, cars were only purchased by the extremely wealthy for the first 20 years. …
Theft related damages all go under comprehensive coverage. Comprehensive coverage pays to repair or replace an insured car that’s stolen or damaged by something other than a collision. The main types of comprehensive claims are damages caused by fire, wind, hail, flood, theft, vandalism, or a falling object. When a theft breaks into a car, …
If you are at fault for a car accident, your car insurance rates are likely going to heavily increase. How much higher your rates will increase varies greatly state to state and if any parties were injured from the accident. If you research online, you will likely find a range your policy will increase from …
If you want to be extremely safe, you might want to hold onto them for three years in the event of a tax audit from the IRS. However, the likelihood of your car insurance factors into a possible tax audit is extremely low unless your car insurance premiums adjust your tax return greatly. Typically, you …
I just caused an accident… Since 2014, there have been over 6 million auto accidents every year in the United States. On average, every American is involved in an accident every 18 years and four times throughout their life. Using these stats, you have a one in four (25%) chance of causing an at-fault accident …
Read MoreCan I Get Sued For A Collision That Was My Fault Even If I Have Auto Insurance?
Well, it depends. To understand how much a driver can increase a car insurance policy, we need to understand how car insurance carriers calculate premium rates. This involves a multitude of factors and risk insurance carriers try to gauge. The main factors are: driver age, driver gender, years of driving experience, driving record (DMV database …
Read MoreHow Much Does It Cost To Add A Driver To A Car Insurance Policy?
There’s Water In My Car! Typically, car flood damage occurs in one of three ways: Major rainfall events such as a tornado, hurricane, or tropical storm Storm surges associated with major rainfall events Attempting to drive your car through a flooded intersection or street In the first two situations, the car was likely parked and …
It depends on the writing. The best place to look is your Insurance ID card. Your insurance ID card mimics what is on your car insurance declarations page. The declarations page is the first and most important piece of paper associated with your car insurance policy. It will list the named insureds, drivers, address, policy period, …
Go Through Your Own Insurance There is a wildly common misconception using your car insurance policy to repair your car increases your premium rates even if the accident wasn’t your fault. This is an absolutely incorrect belief. I want to repeat it so to remove any doubt; your rates will not go up if the …
On the hunt for a used car, you will routinely come across three types of titles: clean, salvage, and rebuilt. Salvage cars are a total loss and in need of copious repairs. Clean title cars are cars that have never been in an accident and are not in need of major repairs. Rebuilt title cars …
