Car accidents at night can happen to anyone. They’re usually stressful events, so it’s important that you’re familiar with what to do before an accident happens to you. Take a look at these five steps you should take immediately after the accident. Remain Calm Oftentimes people are in shock and filled with adrenaline after hitting another vehicle. That might lead them to get out of the car and give the other driver a piece of their mind. Refrain from doing this. Instead, remain in your car … [Read more...]
Why Does My Car Insurance Premium Go Up for No Reason?
If you are a cautious driver with no speeding tickets and a clean driving record, it may come as a surprise to see your insurance premium rising. However, there are a few reasons why the jump may have taken place, and there’s also a chance you can do something about it! Why Do Auto Insurance Rates Rise? Moving Moving to a different state will naturally lead to auto insurance changes, but many drivers are surprised to hear that even a move to a different zip code can have repercussions. … [Read more...]
The Person Who Hit Me Doesn’t Have Auto Insurance
Unfortunately, accidents happen. They can be a huge pain, especially if the person who hit you doesn’t have auto insurance. Although Maryland requires all drivers to have auto insurance, there are still people on the road without it. So what does it mean for you if you’re hit by an uninsured driver? Keep reading to find out what you can do. Call the Police It’s not uncommon for uninsured drivers to ask to avoid involving the police. This is a bad move. Always call the police and report … [Read more...]
How Much Insurance Coverage Do I Need?
There are insurance policies for nearly everything in life and it can be tricky to determine how much coverage is enough and how much is excessive. Luckily, Freedom Insurance works for our clients, not for insurance companies, meaning our goal is to help our clients find the perfect policy for their own needs. The following recommendations serve as baseline guidance that anyone can benefit from when selecting their insurance policies. For specific recommendations tailored to your specific needs, … [Read more...]
What Should my Auto Insurance Policy Cover?
Insurance can be complicated and difficult to understand. There are so many companies and coverage options that it can become overwhelming to think about. That’s why we’re providing you with the basics. Take a look at some of the basic things your auto insurance policy should cover. Liability Insurance Every auto insurance needs to have some level of liability insurance. This type of insurance covers bodily injury liability and property damage liability. Bodily injury liability … [Read more...]
6 Myths About Auto Insurance
Car insurance is a source of confusion for many drivers. Some may not know how auto insurance works, how much they should expect to be paying for it, or what it covers. If this is you, it’s crucial that you learn more about auto insurance before you end up paying more for it than you need to. To help, we’ve compiled a list of six common myths about auto insurance. Myth #1: Personal Auto Insurance Covers Your Car for Both Personal and Business Use If you’re using your vehicle to … [Read more...]
Auto Insurers Offering Discounts in Coronavirus Relief Effort
To recognize that policyholders are driving less during the growing coronavirus crisis, insurance companies are offering premium discounts on auto insurance. Although several operators are also targeting commercial customers, most of the discounts are for personal line customers. According to the Insurance Information Institute, these and other auto insurers have announced refunds, deductions, dividends and credits totaling $ 8.1 billion. Check the list of insurers and a summary of their … [Read more...]
What Are the Toughest States on Felony Speeding Offenses?
We've all seen it - the police hiding from the road to catch an unexpected driver who exceeds the speed limit. In the worst circumstances, you may not be watching your speed and end up with the red and blue lights behind you. Depending on the state in which you were arrested, the fine for driving too fast can cost a penny or, worse, jail time. The economic cost of speed-related accidents in the U.S. is $ 40 billion annually, not to mention the 9,378 deaths caused in 2018 alone. So it's no … [Read more...]
Who Is Responsible When a Self-Driving Car Has an Accident?
We already know how challenging it can be after a car accident. Now, imagine a collision involving an automated vehicle? The dawn of the self-driving cars has exposed many grey areas for the insurance industry, lawmakers, and owners of self-driving cars. California Incident In 2017, a cyclist in California filed a lawsuit against the manufacturer of a self-driving vehicle after it hit the cyclist while changing lanes (it was a Chevy Bolt). The incident brings to light one of the many … [Read more...]
Why We Have Road Rage and How to Combat It
So, all the other drivers on the road are the problem, aren't they? That's what 9 out of 10 Americans think, according to a famous study by a Swedish psychologist. However, additional studies seem to indicate that this perceived superiority (among other things) may be a significant cause of anger on the road. And given that the costs of rabies on the road are high for us, as individuals and for society as a whole, fighting it should probably be a priority for everyone. That is why we should all … [Read more...]
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