Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Sep 25, 2020

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What Is No-Fault Insurance?

Don't get the wrong idea about no-fault insurance coverage. Some people believe that no fault insurance will cover any damage incurred during an accident, or that no-fault means that your insurance is guaranteed to pay for the covered driver, which would limit insurance company claims to only the people listed on the policy. Even though there is some truth to these statements, they are not completely true, either. Continue Reading

11 of the Most Unusual Things People Have Ever Insured

The purpose of insurance is to protect the owner of the policy from financial losses in the event that something happens to the property being insured. Because what makes a financial difference for person or company is not the same as it is for another, there is a long list of unusual things which have been insured to protect the interests of their owners. The 11 presented here are among the most… Continue Reading

Car Insurance for Military Personnel & Veterans

Car insurance is required by law throughout the United States and its territories. Insurance companies recognize the importance of the armed forces, and offer special discounts to those in all branches of the military. Veteran discounts are available, but any type of military service is eligible for discounts as well. Additionally, the discounts which are available to everyone else are still applicable as well, increasing the total savings to those in the… Continue Reading

Auto Insurance and Out of State Speeding Tickets

There was a time, a few years back, when drivers weren't required to report speeding tickets received out of state. That is no longer the case. Now out of state driving infractions show up on your insurance. Ever since 2005 states have adopted uniform means of reporting traffic violations. So, if you get a ticket in another state, it will show up on your home-state driving record. Continue Reading

A Primer in Subrogation

There are a lot of technical legal and insurance terms that are confusing. Subrogation is one such term. Subrogation is s a common practice for insurance companies; it is a practice which has very limited use in other fields. So what is subrogation? Continue Reading

Car Insurance for High-Risk Drivers

If you have been involved in an auto accident or two, received a few speeding tickets or even gotten pulled over with too much alcohol in your bloodstream, your car insurance rates may go up considerably. The point is that when your driving history reflects poor driving judgment, you could find yourself in a high risk insurance group where the only insurance available is through non-standard insurers, also called high risk insurance… Continue Reading

A Simple Guide to Accident Forgiveness

Accident forgiveness is available from several different insurance companies including Nationwide, Allstate, The Hartford and several others, but you have to meet the requirements before you are eligible. And determining what you have to do to be eligible may be somewhat confusing, because the rules change from state to state, as well as company to company. Even worse, some insurance companies do not offer accident forgiveness at all. Read up on the… Continue Reading

Raising Your Deductible – Weighing the Risks vs. the Benefits

One way to manage the cost of your premiums is to raise or lower your deductibles. Higher deductibles mean lower premiums. But there is a balance between saving money and putting yourself in financial jeopardy. Adjusting your deductibles according to your personal needs is a tool you can use to leverage your ability to buy insurance. Continue Reading

Personal Injury Protection Insurance

You may not be familiar with Personal Injury Protection, or PIP. It is commonly called no fault insurance. PIP is required insurance in some states, though not all. Claims are often filed against a PIP policy regardless of who caused the accident. Even though some states require PIP, there are minor variations in what PIP entails from state to state. Continue Reading

Insurance Policy Non-Renewal vs Cancellation – What’s the Difference?

For insurance companies, there are two ways to stop providing coverage on your insurance policy. The first method is to cancel the policy, and the second is to decide not to renew it. The difference between these methods is as big as the difference between night and day, and how much trouble you will have getting replacement insurance will depend on which method was used to end your current coverage. Continue Reading

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