Car Insurance Articles & Real-World Stories
Explore practical articles, real driver stories, and updates on car insurance enforcement from across the U.S. These posts go beyond state minimums — covering lapses, penalties, and tips to stay protected.
Looking for official state requirements? Visit the Car Insurance by State guide.
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Kentucky Investigates Alleged Fraud In Drivers License Issuance
Nearly 2,000 Licenses Revoked In Alleged Kentucky License Fraud Updated August 19, 2025 State officials say a criminal investigation is underway after a whistleblower alleged that some applicants paid $200 to obtain Kentucky driver’s licenses without proper documentation. The Governor’s office says 1,985 licenses identified during file reviews have been revoked. What’s happening Criminal investigation:…
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North Carolina Car Insurance Changes Effective July 1, 2025 – What Drivers Need to Know
North Carolina Car Insurance Changes, July 2025 North Carolina has enacted several significant updates to its auto insurance laws, effective July 1, 2025. These changes affect coverage requirements, policy features, and how insurers calculate premiums. If you’re a North Carolina driver, here’s what you need to know to stay compliant and avoid surprises at renewal…
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Why Did My Car Insurance Go Up Even Though Nothing Changed
Why Did My Car Insurance Go Up Car insurance rates can feel unpredictable. Maybe you’ve had no accidents, tickets, or claims — yet your car insurance premium still went up. If you’re wondering, “Why did my car insurance go up for no reason?” — you’re not alone. This guide explains why your premium may increase…
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Car Insurance Claim: Tips for Dealing with Adjusters
Understanding the Valuation Process Navigating the complexities of an insurance claim after losing a vehicle can be overwhelming, particularly when it comes to understanding how insurance adjusters determine a car’s value in the event of a total loss. The valuation process varies significantly among different companies; however, there are common factors that all adjusters consider…
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Understanding Full Coverage vs. Liability Insurance
Full Coverage Vs Liability Auto insurance is a crucial aspect of vehicle ownership, providing financial protection against potential damages and liabilities arising from accidents. Understanding the different types of auto insurance is essential for vehicle owners to ensure they are adequately covered in the event of an unforeseen incident. Among the various types of auto…
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How To Get Cheap Car Insurance With A DUI
A DUI will almost certainly affect your Car Insurance Premiums. We will discuss DUI and car insurance impact, insurance rates after DUI, SR-22 requirements, affordable insurance after a DUI, and how to get cheap car insurance with a DUI Table of Contents Understanding DUI Impacts on Car Insurance Rates SR-22 Requirements After a DUI Tips…
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Understanding Pure Contributory Negligence: States Affected
Contributory Negligence And The States Who Use it In most U.S. states, if you’re partially at fault in an accident, you can still recover damages—just reduced by your percentage of fault. But in a small handful of states, the rules are far stricter. Under the doctrine of pure contributory negligence, if you’re found even 1%…
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SR22 Insurance Explained, How A DUI Can Affect Your Premium
SR22 Car Insurance: How Lucy Got Back on the Road After a DUI Understand what SR22 insurance really means, who needs it, how much it costs, and how to file — all through the real-life story of one driver’s experience. Not every driver starts off thinking they’ll need SR22 insurance. But for some, like Lucy,…
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Do You Still Need Car Insurance For Broken Down Vehicle?
Insure Broken Down Vehicle in Your Yard? Car insurance is usually associated with vehicles that are actively driven. But what about a vehicle that’s broken down, sitting in your yard, and clearly not going anywhere? Depending on where you live, you might still be legally required to carry insurance — even if the car hasn’t…
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Choosing the Right Car Insurance: What You Need to Know
Car insurance isn’t just a legal requirement—it’s a smart financial safeguard. But with so many policy options, choosing the right car insurance can feel overwhelming. This guide breaks it down step by step so you can make confident, informed decisions. Understanding Car Insurance Basics At its core, car insurance is a contract between you and…