When to Accept a First Settlement Offer

man and woman exchange insurance information after a car accident

Being involved in a car accident is a distressing experience, and dealing with insurance companies can add another layer of complexity to an already challenging situation. You may be eager to settle so you can pay down bills or just move on from the whole experience. But accepting the first offer from the other party’s insurance carrier is not always in your best interest. You may or may not be aware that you have the right to dispute the amount, and even seek legal assistance if the first offer is unfair. Let’s take a look at when it may be...

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Who is Responsible for Road Debris Damage?

road debris in the form of a fallen tree

Car accidents and damage caused by road debris are very common. A 2016 study by AAA found that road debris was a contributing factor in over 50,000 crashes a year. With numbers like that, many of us are bound to be involved in a debris-related accident at some point. But who is responsible for road debris damage to your car? Is it covered by insurance? And what counts as “road debris” in the first place? Keep reading to learn more.  What is Road Debris? Road debris can take many forms, from natural hazards to fallen cargo. It may be already in the...

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Determining Fault in Rear End Accidents

close up of a rear end car accident

Rear end accidents are some of the most common motor vehicle accidents. They can also be immensely destructive, causing property damage to multiple vehicles and/or bodily injury. You may be wondering how fault is determined in such an accident. Is it always the fault of the driver in the back, as insurance companies would have you believe? How can you be compensated if you accidentally rear ended someone and you feel they are partially at fault?  Is the Rear Driver Always at Fault in Rear End Accidents? Drivers are expected to maintain a safe distance between themselves and the vehicle in front...

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Learn the Different Types of Auto Insurance

auto insurance form with car keys

Most of us are aware that we need auto insurance, but knowing which option to choose can be complicated. There are several different types of car insurance, each with varying degrees of coverage. Researching the types of auto insurance before you buy will ensure you have the policy that best suits your needs.  Auto Insurance Types and Differences Liability Insurance In most states, liability insurance is a basic requirement in order to legally drive a car. This type of insurance covers damages to personal property and bodily injury as a result of an accident. An important aspect of liability insurance is that it typically...

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Does Auto Insurance Cover Car Theft?

thief attempting to break into vehicle at night

The state of Colorado has seen an alarming increase in the number of car thefts in recent years. In fact, as of 2022, it is the top state in the nation for auto theft, with over 24,000 cars already stolen in the first half of this year. If you or someone you know has been a victim of car theft, you may be wondering what to do next and if your vehicle’s insurance will reimburse you.  Why Is Car Theft on the Rise? The most likely reason that car theft is increasing is because it is more lucrative. Inflation and supply chain...

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