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Auto Insurance News & Crash Explainers — Page 2
Plain-English explainers built around real, publicly reported U.S. car crashes, plus guides to common situations like uninsured drivers, rental cars, and total losses: what to do, and how auto insurance typically handles it. New articles are added regularly.
Diminished Value After a Car Accident: Can You Get Paid for the Value Your Car Lost?
Repairs fix the car, not its resale value. Here's how diminished value claims typically work and when they're worth pursuing.
Windshield Chip or Crack? When to Repair, When to Replace, and How Glass Claims Work
A tiny chip can turn into a full crack overnight. Here's how insurers typically handle glass, and a few traps to avoid.
Rideshare Accidents: How Uber and Lyft Insurance Works for Drivers, Passengers, and Everyone Else
The same car can be covered by three different setups in a single day. What matters is the app status at the moment of the crash.
Four Parked Cars Hit on an Allston Street Overnight: What to Do When You Find Your Parked Car Damaged
You walk outside and your parked car is smashed. Here's how claims work when the other driver is known, unlicensed, or gone, using a Boston crash as the example.
Stolen Car Runs a Red Light in Ridley Township and Hits an SUV: Who Pays When the Driver Took the Car?
When the at-fault car is stolen, the usual "insurance follows the car" rule breaks down. Here's how victims get paid, using a Pennsylvania crash as the example.
A Tire Flies Off an SUV and Hits an Oncoming Windshield on the Edens: How Insurance Handles Flying Objects and Road Debris
A loose wheel crossed the Edens and hit an oncoming car's windshield. Whether your claim is comprehensive, collision, or against another driver depends on the details.
Bus Runs a Red Light in Tampa and Sends a Police Car Into a Stopped Sedan: Who Pays When You Weren't Even Moving?
The driver of a stopped Charger did nothing wrong and was still hit by an overturned police car. Here's how a Florida driver in that seat gets paid.
Hail and Falling Trees Batter Cars Across Metro Phoenix: How to File a Storm Damage Claim the Right Way
Golf-ball hail, shattered windshields, and uprooted trees. What Phoenix-area drivers, and anyone in hail country, should know about storm damage claims.
When Your Teen Driver Has a Crash: What Parents Should Do and How It Affects the Family Policy
The phone rings and it's your teenager, shaken but OK. A calm, practical guide for parents on the scene, the claim, and the policy afterward.
Pickup Crashes Through a Hilo Storefront, Injuring Six: How Insurance Handles a Car That Hits a Building
A truck drove through a store's glass front in Hilo. Storefront crashes test property damage limits and raise questions about no-fault injury coverage.
Your Car Was Totaled but You Still Owe on the Loan: How Total Loss Payouts and Gap Insurance Work
The insurer says your car is a total loss, and the check is less than your loan balance. Here is how the math works and where gap coverage fits.
69-Vehicle Fog Pileup on I-95 in South Carolina: Weather Is Not an Excuse, and Other Insurance Lessons
Dense fog, a bridge, and 69 vehicles. Why "the weather did it" rarely works with insurers, and how to drive and claim smarter when visibility drops.