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.
Insurance claims
Guides tagged insurance claims.
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.
Does Homeowners Insurance Cover Frozen Pipes That Burst?
A burst frozen pipe is usually covered if you kept the heat on or drained the system. When claims get denied, what courts said, and what to do this winter.
Does Homeowners Insurance Cover Termite Damage? The Exclusion and the One Exception
Homeowners policies exclude termite damage. The one exception is a collapse from hidden insect damage. What courts have said and what protects you instead.
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.
Neighbor's Tree Fell on My House: Who Pays?
When a neighbor's healthy tree falls on your house, your own policy usually pays. When the neighbor is liable, tree removal limits, and fence and car claims.
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.
Reservation of Rights Letter: What It Means and What to Do
A reservation of rights letter means your insurer is handling a claim but may still deny coverage. What it means, what to do, and when you can pick a lawyer.
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.
Hail Damage Roof Claims: What Insurance Pays and How to File
How a hail or wind roof claim works: what homeowners policies pay, how percentage deductibles and depreciation cut the payout, and how to avoid storm chasers.
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.
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.
