“Regular use” auto insurance exclusion to face Pennsylvania Supreme Court

Auto insurance exclusion - Person driving vehicle

The court agreed to consider a case that would add limitations to its use in car policies. Pennsylvania’s Supreme Court has agreed to the consideration of a case that would restrict the use of the “regular use” auto insurance exclusion. The reason is that the policy rule may be in violation of the motor vehicle financial responsibility law. This consideration of the case would be a review of a ruling made by a Superior Court, in which it determined that the regular use auto insurance exclusion is in violation of…

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Does your auto policy include bodily injury liability insurance?

Bodily injury liability insurance - liability insurance form

Standard auto policies contain this coverage in all but two states, but many consumers aren’t aware of it. Bodily injury liability insurance is a specific type of coverage within an auto policy that covers the medical expenses of others if the policyholder is found to be at fault in a crash. This coverage also provides coverage for additional costs such as legal fees in case of a lawsuit. The bodily injury liability insurance coverage of an auto policy is what covers the loss of income suffered by an injured person…

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Florida has second most expensive auto insurance in the country

Auto insurance - car - Florida - Costs

Drivers in the state spend a larger portion of their income on coverage than most other Americans. Florida auto insurance customers are paying more for their car coverage than nearly any other drivers in the United States. To keep their coverage, Floridian motorists must send more of their paychecks to pay their premiums. This, according to the data published in a new Bankrate.com report, suggests that Sunshine State residents are paying more of their income for their auto insurance than other drivers across the country. In fact, an average of…

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New Jersey food delivery drivers may soon need more liability insurance

Liability insurance - Uber Eats

A bill has been advanced in the state, which would up the minimum coverage limits. Lawmakers in New Jersey have advanced a bill that would change the minimum liability insurance requirements for food delivery drivers. Insurers and lawmakers alike have both cautioned that these new limits may be too high. The Liability insurance bill was sponsored by Senate President Nicholas Scutari (D-Union). It would require drivers for various food delivery companies such as Uber Eats, DoorDash and Grubhub to have to carry a minimum of as much as $1.5 million…

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State Farm teams up with Ford for usage-based insurance

Usage based insurance - Partnership

The Drive Safe & Save Connected Car program will use telematics tech to adjust premiums. State Farm and Ford have announced that they have jointly launched a usage based insurance (UBI) program for drivers called the Drive Safe & Save Connected Car. The UBI program is available to drivers of connected Ford or Lincoln vehicles. State Farm customers driving the eligible connected Ford vehicles can choose to opt in for usage based insurance. The UBI program uses telematics to adjust premiums to reflect that vehicle’s mileage and its drivers’ unique…

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Will decorating your car for Christmas invalidate your auto insurance?

Auto insurance - Car decorated for Christmas

Will adding lights, antlers or dangling decorations mean your coverage isn’t what it should be? Many of us absolutely love to decorate everything we touch as the holidays progress, but it’s important to understand your auto insurance coverage before you get too festive in your car. Just because you’ve seen other people adding twinkly lights to their car, it doesn’t mean you should. Every year when we head out on the road at this time, there are more cars lit up and reindeer antlers and Rudolph noses on SUVs. Companies…

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Report suggests Florida no fault auto insurance repeal would spike premiums

No fault auto - car accident - car damage

According to the Florida Office of Insurance Regulation, the average driver would have to pay over $200 more. A new analysis of the bill to repeal the Florida no fault auto insurance system has cautioned that drivers will have to pay considerably more money for coverage if it passes. If Governor DeSantis signs the bill, drivers will pay an average of $202 more, said the report. The report pointed to an analysis that showed that if the bill does pass, the no fault auto insurance repeal will cause the highest…

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