Understanding the details of your auto insurance policy can seem complicated, but these auto insurance tips give you the roadmap you need to make sense of it all. Uninsured motorist coverage? Auto medical payments? Liability and property damage? Let our expert authors explain it for you in plain English. If you’re shopping for a policy and wondering about terms like excluded drivers, deductibles, or GAP insurance, our articles make clear what you might be buying, and whether you need it. If you already have insurance, find out exactly how your particular policy protects you, from collision coverage to bodily injury, and what you could be liable for.

Umbrella Insurance Policies: What Are They And Should You Have One?

Umbrella Insurance Policies: What Are They And Should You Have One?

If it’s raining outside and you have a raincoat with a hood on, that’s pretty good.  It will keep your clothing dry for the most part.  Your pants and shoes might get wet and your face might get a little wet.  If you want to stay drier, add an umbrella for more protection.  That’s what an umbrella policy does for you, as well.  It provides that additional layer of protection above and beyond the limits of liability covered under both your auto and homeowners’ insurance policies. 

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OEM Parts vs. Aftermarket Parts: Will your Auto Insurance Pay for Brand New Repair Parts from the Original Equipment Manufacturer?

OEM Parts vs. Aftermarket Parts: Will your Auto Insurance Pay for Brand New Repair Parts from the Original Equipment Manufacturer?

If you haven’t had an auto accident, (first, count your blessings), and second, contemplate this: If your car needs to be repaired, a standard auto insurance policy calls for repairs that use "like kind and quality" or "functionally equivalent" parts.

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