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4AutoInsurance is a focused search engine and resource hub for auto insurance. Use the site to compare insurers, explore coverage options, locate agents, and access practical tools and articles that help you choose and manage auto insurance with confidence. Part of the 4SEARCH network of topic specific search engines.
Insurance chaos exposed: Why your policy gets dropped without warning
9+ hour, 22+ min ago (601+ words) An insured driver learns his long-standing motor policy won't be renewed despite a minor claim. Experts reveal how insurers rely on broad risk decisions, poor data use, and arbitrary practices, leaving customers helpless....
Guest column: Let history repeat itself to fix auto insurance in Louisiana
19+ hour, 5+ min ago (575+ words) Successful reforms targeting medical malpractice in 1975 and workers' compensation in 1991 solved Louisiana's insurance crises of those times. Putting the current auto liability crisis into that historical context may help provide a path for the present. In 1975, Louisiana enacted medical malpractice reform legislation aimed at addressing the escalating costs and diminishing availability of medical malpractice insurance. The legislation introduced a cap on noneconomic damage and limited awards for pain and suffering to $500,000, while allowing unlimited economic damages. This reform was designed to stabilize the medical malpractice insurance market, reduce the burden on health care providers and ensure that patients still had access to necessary medical services. At the same time, legislators created an underwriting entity, the Patients' Compensation Fund (PCF), to spur the market. Today, this insurance market is stable, competitive and healthy. In 1991, Louisiana passed comprehensive workers' compensation reform legislation…...
Why car insurance renewals are getting more expensive in Canada and how to avoid surprises - NetNewsLedger
19+ hour, 57+ min ago (749+ words) Canadian drivers are experiencing significant car insurance renewal increases, with some facing premium jumps of over $750 annually. Understanding why your insurance premium rises at renewal time and implementing proactive strategies can help you avoid these costly surprises and maintain affordable coverage. Common reasons your car insurance premium increases at renewal Driving record changes that impact your rates Your driving history remains the most significant factor affecting insurance rates. Even a single at-fault accident can increase your premium, while traffic violations eliminate valuable accident-free driving discounts. Insurance companies continuously monitor your driving record, and any new incidents since your last renewal will likely be reflected in your updated premium. Recent data from the Insurance Bureau of Canada shows that insurers are seeing auto insurance claims costs rise faster than general inflation rates. This trend directly impacts renewal pricing, as companies adjust…...