Who Gets the Insurance Check When a Car Is Totaled?
Who gets the insurance check when a car is totaled: why your lender or leasing company is paid first, when you get the rest, and what happens if you owe more.
Injury claims
Car and truck crashes, wrongful death, fault, settlements, and how to choose a lawyer: what happens after someone else's negligence hurts you.
Gap Insurance for a Totaled Car: What It Pays and What It Doesn't
Gap insurance for a totaled car pays what you owe beyond the car's value. How much gap insurance covers, what it excludes, and how to get a refund.
When Is a Car Considered Totaled? What Makes a Car a Total Loss
What makes a car totaled: how insurers compare repair cost, salvage value and actual cash value, which states set a percentage, and how to check the call.
Does Insurance Go Up After an Accident? At-Fault Surcharges and State Limits
Does insurance go up after an accident? Usually if you were at fault. How surcharges work, where states limit them for not-at-fault crashes, and what to do.
Does Car Insurance Cover Hitting a Deer? Comprehensive, Collision, and Your Rates
Hitting a deer is a comprehensive claim, not collision or liability. What pays if you swerve, whether your rates go up, and what to do at the roadside.
Diminished Value Claims: Getting Paid for Your Car's Lost Value
A diminished value claim recovers the resale value a repaired car loses after a crash. Who pays, how to file one, and how the 17c formula works.
What Is the MCS-90 Endorsement? Trucking Insurance, Plainly
The MCS-90 is the federal form that guarantees a trucking company can pay injury claims. Who needs it, the minimums, how it works, and how to look a carrier up.
No-Fault States: The Full List, and What It Means in Yours
Which states are no-fault for car insurance, which are choice states, and what that means for who pays after a crash. Plus a direct answer for every state.
Car Accident Settlements: How They Are Worked Out
How car accident settlements are worked out: what counts toward the amount, what insurers pay on average, what comes out before you are paid, and taxes.
Car Accident Lawsuit: How It Works, Step by Step
How a car accident lawsuit works: when to sue instead of settling, the steps from complaint to trial, the deadlines, what you can recover, and what it costs.
Pain and Suffering Damages: What They Cover and How They Work
Pain and suffering damages compensate for physical pain, distress, and lost enjoyment of life after an injury. What they cover, how they are valued, and limits.
Personal Injury Protection (PIP): What It Pays, How Much You Need
PIP insurance pays your medical bills and lost wages after a crash, whoever caused it. What it covers, which states require it, PIP vs MedPay, how much to buy.
