You're spot-on about keeping a physical backup. Digital stuff is great when it works, but I've learned the hard way not to rely solely on it—especiall...

Had the same confusion initially—PIP sounds comprehensive, but it's strictly medical. I've since lowered my collision deductible slightly; paying a bi...

I learned this the hard way a couple years back. Thought my health insurance was solid enough, so I went with minimal PIP coverage to save a few bucks...

True, but sometimes a carefully worded letter referencing consumer rights or insurance regulations—without explicitly mentioning lawyers—can achieve s...