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28+ min ago (182+ words) Kentucky's Transportation Cabinet and Department of Insurance have launched a new vehicle insurance verification system, and auto insurers have until Jan. 15 to start getting on board. The new Kentucky Insurance Verification System, authorized by state lawmakers earlier this year, should allow state agencies to access auto insurance information in real time and should improve the process by which uninsured drivers are identified, the DOI said in a bulletin. Insurance carriers that cover at least 1,000 registered vehicles must make their own insurance verification systems and books of business available next year. The new state system is now available for registration, testing and product integration. The state is not requiring carriers to provide information on commercial vehicles, but it is highly recommended, the department said. Vehicle indentification numbers are not required to be reported for fleet policies. Insurers must use the secure…...

1+ hour, 8+ min ago (339+ words) Cheap Insurance dives into what this major shift means for auto insurance policyholders as we approach 2026. It examines the advantages, potential pitfalls, and the proactive steps drivers can take to successfully navigate this evolving landscape of smart auto insurance. One of the biggest and most noticeable changes for drivers is the shift toward "touchless" claims processing. This means that the entire claims process, from the first notice of loss (FNOL) all the way to the final payment, is handled with very little human involvement. This shift is really transforming the kind of service your auto insurer offers. In the past, filing an auto claim meant waiting for an adjuster, scheduling an inspection, and enduring a claims cycle that could drag on for weeks. AI changes this timeline dramatically. AI's impact extends beyond claims to how your car insurance policy is…...

5+ hour, 8+ min ago (514+ words) Choosing a car insurance provider can be challenging. If you're considering Amica, reviewing its rates carefully will help you decide if it's the right fit. However, we recommend comparing quotes from several providers to ensure you're getting the best value and saving money on your car insurance. Full-coverage car insurance from Amica costs an average of $458 per month. Drivers who choose minimum liability-only coverage pay an average of $292. Keep in mind these are average prices. Your individual rate will depend on factors like age, location, credit score, and driving history. While your actual Amica rate may be different, these averages provide a useful benchmark for comparing providers. Each company evaluates risk and applies discounts differently, which can affect pricing. Comparing quotes will show you how Amica measures up for your particular situation. Age is a major pricing factor for Amica,…...

10+ hour, 8+ min ago (500+ words) Washington Insurance Commissioner Patty Kuderer issued an emergency order that includes asking insurers in the state to provide grace periods for premium payments and a cancelation moratorium. The order was drafted to provide relief to Washington policyholders after the recent " Washington Insurance Commissioner Patty Kuderer issued an emergency order that includes asking insurers in the state to provide grace periods for premium payments and a cancelation moratorium. The order was drafted to provide relief to Washington policyholders after the recent atmospheric river and winter weather event last week. The order is in effect from December 15 to February 12, 2026, and it applies to all property/casualty insurers operating in Washington state. The order directs insurers to: - Provide 45-day grace periods for premium payments and waive all late fees and reinstatement fees. - Not cancel a policy for nonpayment unless directed to do so…...

12+ hour, 23+ min ago (392+ words) The decision for a car insurance company to declare a vehicle a total loss boils down to a cold, hard calculation: Is the cost of repairing the vehicle more than a certain percentage of its Actual Cash Value (ACV)? This total loss threshold is set by state law or by the insurer, but typically hovers around 70% to 80% of the ACV. If repair costs hit that mark, the vehicle is totaled. Before the pandemic, this calculation was relatively stable, allowing auto insurance providers to predict claim outcomes. Now, virtually every variable has been altered, making that total loss threshold far easier to breach for the insurer. A vehicle needing a new bumper, a headlight assembly, and specific ADAS sensors faces severe challenges. A repair job that once took two weeks can now stretch to two months or more simply waiting for…...

14+ hour, 8+ min ago (539+ words) The Ford government's changes to auto insurance will leave drivers in Ontario with a "significant" choice in the new year, but one that advocates argue could leave some with less protection in the worst-case scenario. In early 2024, as part of Finance Minister Peter Bethlenfalvy's spring budget, the government overhauled the province's auto insurance laws and claimed the changes would give drivers "affordable options" and "create a more modern system." While insurance companies will be required to provide medical and rehabilitation coverage as part of the base package, all other benefits will be optional as of July 1, 2026. Drivers who are switching or starting a new insurance policy would be offered a suite of benefits they could tap into, including: income replacement, expenses for damage to personal items, caregiver and housekeeping expenses, and death and funeral benefits. "This is probably the biggest…...

16+ hour, 42+ min ago (594+ words) Mitchell data shows BEV claims reached 3.21% in Q3 as tax credit deadline drove record sales; OEM parts dominate EV repairs at 85% of parts dollars. Battery electric vehicle (BEV) collision claims in the U.S. hit an all-time high in the third quarter of 2025, according to new data from Mitchell, even as the broader EV market faces turbulence following the expiration of federal tax incentives. The Q3 2025 edition of Mitchell's Plugged-In: EV Collision Insights report shows repairable BEV claims frequency reached 3.21%, reversing a brief Q2 decline and setting a new record. In Canada, BEV claims jumped to 4.91%, a 24% year-over-year increase. The spike in claims corresponds directly to record EV sales as buyers rushed to take advantage of the $7,500 federal tax credit before it expired Sept. 30. Cox Automotive reported 438,487 EVs sold in Q3, up nearly 30% year over year, accounting for a record 10.5% of total vehicle sales. "We're witnessing…...

1+ day, 1+ hour ago (1222+ words) USAA is well-known for providing low-cost auto insurance and good customer service to military members, veterans, and their immediate families. But unfortunately, those are the only people eligible for USAA policies. Liberty Mutual is one of the largest private passenger auto insurance companies in the U.S. Its coverage is expensive, but we like that it offers policy options you may not find at other companies, such as a Lifetime Repair Guarantee, New Car Replacement, and a Deductible Fund. When you're comparing Liberty Mutual and USAA, USAA is likely the best option for car insurance, as long as you qualify for their coverage. While Liberty Mutual could have the specialty policy you need, it is much more expensive than USAA. It also has a high number of customer complaints. However, we still recommend getting a quote from Liberty Mutual since comparing it…...

1+ day, 2+ hour ago (1597+ words) We found Travelers, Geico, Country and State Farm to be the best auto insurers in the state Insurance Writer, Buy Side Staff Deputy Editor, Buy Side Les Masterson is a staff Deputy Insurance Editor at Buy Side and has over 10 years of insurance experience. Updated December 16, 2025, 9:08 AM EST We analyzed Alabama auto insurers based on complaints against insurers, collision repair grades and average rates,with rates being the biggest ratings factor. Travelers" average insurance rate for good drivers in Alabama is $93 a month, which is below the state"s average of $153 a month and significantly lower than the national average of $195. Travelers earned 5 out of 5 stars in our ranking of the best car insurance companies in Alabama. Of the state insurers we analyzed, it has the lowest average rates for full coverage and minimum liability insurance. It also has the…...

1+ day, 10+ hour ago (831+ words) But does it actually work? Is it legal? What can it help with'and what can't it do? This guide breaks everything down clearly, cutting through the myths and misinformation. You'll learn what a CPN Number really is, how it's used for privacy purposes, what's realistic to expect, what's not, and how to properly set up a profile if you're rebuilding credit while needing a car. What a CPN Number Really Is A CPN Number, short for Credit Privacy Number, is a nine-digit identifier designed for privacy protection in specific credit-related situations. It is also referred to as: A CPN Number is not a replacement for a Social Security Number, nor is it a loophole to erase debt or bypass federal systems. It is used primarily by people who need additional privacy'for example: A CPN can be used for certain types…...