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1+ hour, 42+ min ago (347+ words) The recent trend of rising liability injury claims for home and auto owners that exceed traditional policy limits has moved Mercury to unveil an all-new personal umbrella insurance policy for Virginians'that offers extra protection with bolstered coverages beginning at just over $1.00 a day. Per Forbes magazine, an umbrella insurance policy can be an excellent addition to your insurance portfolio if you need liability coverage that goes beyond what your base car insurance or home insurance policies provide. Umbrella insurance is a good way to cover your net worth if you were to get hit with a lawsuit. The state of Virginia'is the ninth'launch of this expanded insurance product for Mercury Insurance,'following California, Texas, Oklahoma, Illinois, Arizona, Georgia, Florida and Nevada. You can learn more about this unique coverage at Mercury Umbrella Insurance. "He had payments deducted from his salary…...

2+ hour, 55+ min ago (1022+ words) The insurance industry has witnessed a dramatic shift in litigation outcomes over the past decade, fundamentally altering the risk calculus for motor carriers and their insurers. The industry has experienced a staggering 235% increase in verdicts exceeding $1 million since 2012. A single accident can threaten the financial viability of an entire operation. The distinction between proactive and reactive approaches to safety management has become increasingly critical in defending against nuclear verdicts. Preparedness, according to Alexander, can influence both the likelihood of incidents and the outcomes of resulting litigation. "Motor carriers that prove to be more proactive rather than reactive once an issue arises are much more well positioned to defend against nuclear verdicts," Alexander said." The emergence of insurtech companies in the commercial trucking space has accelerated a broader transformation in how insurance providers approach underwriting. While these technology-focused entrants initially disrupted…...

4+ hour, 52+ min ago (322+ words) Understanding the rights of the policyholder begins with recognizing the fundamental difference between two key terms in the insurance lexicon: cancellation and nonrenewal. Across the United States, every state has established a minimum notice period that car insurance companies must provide before a nonrenewal can take effect. This minimum period ensures that one has sufficient time to shop for a new policy, mitigating the chance of a costly lapse in coverage. While specific requirements are subject to legislative changes, a clear pattern emerges: The vast majority of states mandate a minimum notice of 30 to 60 days. However, some states provide an even longer lead time, recognizing the increasing difficulty consumers can face when shopping for affordable car insurance after a nonrenewal. Here is an example of a range of required minimum days of nonrenewal notice for some select states: Kentucky " 70 Days…...

6+ hour, 22+ min ago (609+ words) California's roads are busy, and the state's population is constantly on the move. With millions of drivers on the highways, collisions are unfortunately common. While liability insurance is legally required, not every driver follows the law. Studies show that a significant percentage of drivers in California lack sufficient coverage or have none at all, partly because of economic pressures and the transient nature of the state's population. If an accident occurs and the at'fault motorist is uninsured or carries only minimal coverage, you could be left paying for your own injuries and car repairs. That's where uninsured and underinsured motorist coverage comes into play. If you need legal help, contact an experienced car accident lawyer to help you. Uninsured motorist coverage applies when the at'fault driver has no insurance at all or cannot be identified, such as in a hit'and'run....

12+ hour, 42+ min ago (464+ words) Choosing a car insurance provider can be challenging. If you're considering Mercury, reviewing its pricing structure will help you determine if it's the best fit for your needs. However, we recommend obtaining quotes from several providers to ensure you're securing the best value when trying to save money on your car insurance. Mercury charges an average of $172 per month for a full-coverage car insurance policy. Drivers who choose minimum liability-only coverage will pay an average of $101. Keep in mind these are average figures. Your personal rate will depend on variables such as your age, where you live, your credit score, and your driving record. While your actual Mercury rate may be different, these averages provide a useful benchmark for comparison shopping. Each company uses different methods to evaluate risk and apply discounts, which can cause pricing to fluctuate. Comparing quotes…...

20+ hour, 49+ 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…...

1+ day, 2+ hour ago (628+ words) Auto theft is down across Canada, and police have announced a raft of charges, but that may not necessarily mean lower insurance premiums. Ontario Provincial Police just announced major news in the fight against auto theft, stopping hundreds of stolen vehicles destined for overseas export. While a major victory, insurance industry experts say with more than $1 billion in claims for stolen vehicles filed nationwide each year,immediate premium relief for Ontario drivers is unlikely. More than 300 high-end vehicles valued at $25 million were recovered through Project Chickadee, a joint effort by the OPP and the Canada Border Services Agency. Announced at a news conference in Mississauga on Wednesday (Dec. 17), the OPP said 20 people face a total of 134 charges related to participating in a criminal organization, money laundering, fraud, theft and customs act offences. The OPP said investigators found a sophisticated criminal…...

1+ day, 6+ hour ago (619+ words) Kristeen has worked as a professional writer for more than 15 years, with the bulk of her experience involving health, wellness, and lifestyle content. Her work is regularly featured on Healthline and EverydayHealth, and she's also a consistently sought-after feature and ghostwriter on numerous topics related to lifestyle and wellness. Does Homeowners Insurance Cover Hail Damage? Here's What We Know Hail. Just the thought of these stones hitting your home is enough to make your heart sink. Whether you live in an area that sees frequent hail or not, pretty much everyone knows the destruction that these large pieces of ice can cause. Hail stones can range in size, with smaller particles being the size of peas. In severe cases, baseball " or even grapefruit " sized hail can occur. The bigger the hailstones, the more significant the damage to your home. Even…...

1+ day, 8+ hour 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+ day, 11+ hour ago (522+ words) The world's insurance and reinsurance companies are duty bound to protect communities in times of troubling trends, according to a report from Swiss Re Institute. Swiss Re said 2025 marked the sixth year insured natural catastrophe losses exceeded $100 billion, and was now set to reach $107 billion, mainly driven by Los Angeles wildfires and severe convective storms in the United States. The year was prominent because the wildfires, treated as one $40 billion event, were the costliest ever wildfire event globally. In an otherwise benign hurricane season, the costliest storm, Hurricane Melissa, caused estimated insured losses of up to $2.5 billion. Most insured losses were driven by the unprecedented LA wildfire loss record in the first quarter of 2025 and severe convective storms, which remain a major global loss driver. Overall, Swiss Re Institute estimates the year's insured losses in 2025 at 24 per cent lower than…...