Illinois doesn't specifically tighten insurance rules based solely on vehicle age. However, older cars often trigger different coverage considerations...

Haha, as an insurance agent myself, I can confirm—we're not all villains, but adjusters aren't exactly known for their generosity. A proper appraisal ...

Honestly, I'd advise caution with reporting every minor scrape. Delaware insurers—big or small—tend to keep tabs on frequency of claims. Even tiny inc...

This is spot on. I've seen plenty of cases where one insurer's "high-risk" is another's "manageable." Shopping around is tedious, but it really can pa...

True, Hagerty typically caters to collectors or weekend cruisers rather than daily drivers. They're solid for agreed-value policies and specialized co...

I see your point on nuance—I've been on both ends of this. A while back, my own insurer flagged me for "aggressive braking," and it took forever to ex...

Definitely agree that documentation and calm communication go a long way. As someone who's been in insurance for years, I'd say adjusters aren't tryin...

Minimum legal coverage in Texas is 30/60/25 liability—that's $30,000 per injured person, $60,000 total per accident, and $25,000 for property damage. ...