Hitting a deer can be traumatic and it happens frequently. According to State Farm, Rhode Island drivers over the past year had a 1 in 127 chance of striking an animal. Risk increases at dusk and dawn and during deer mating season. Deer collisions are also costly. RI.gov states “the average collision can cost between… Read more »
Automatically assuming your Rhode Island auto insurance covers off-roading can be a costly mistake. Your policy may cover some incidents, or none at all. This is because auto insurance is meant to cover normal use. How Do Insurers Define “Normal Use”? Normal use is a very broad term that can cause problems if you ever… Read more »
Having a young driver on your Rhode Island auto insurance policy usually means you pay more. Consequently, when it is time for your child to start college you many wonder whether you should take them off your insurance policy, or not. Regrettably, there’s no clear-cut answer to this question. It depends on personal circumstances. However,… Read more »
Getting married is exciting, but it is also a busy time. Consequently, few people think about their insurance needs when they already have so much on their plate. Nonetheless, once the honeymoon is over you definitely need to review your insurance coverage. Here’s 4 powerful reasons why it is so important. Your Coverage Needs Will… Read more »
If you lease your vehicle, you may need to have service performed at a dealership. Otherwise, federal law allows you to choose any mechanic, without affecting your warranty coverage. Typically, independent repair shops are less expensive than dealerships. Independent shops may also complete factory service training that can prove valuable. Whether you prefer to use… Read more »
Repairing or replacing auto glass is more expensive than you might think. Plus, it’s often something you can’t ignore due to state vehicle safety inspection requirements. For example, Rhode Island drivers can’t ignore cracks that allow the glass to move or that damage the safety seal inside the glass layers. They must also attend to… Read more »
No fault insurance, or personal injury protection (PIP), is an insurance coverage available in certain states. It can pay medical expenses, hospital bills, and amounts not covered by your health insurance for you and your passengers if injured in an accident. No-fault refers to the fact that the policy provides coverage, regardless of who caused… Read more »
Traffic violations can lead to legal complications and substantial fines. On top of that, they can also increase your insurance premiums. How much they increase them depends on the type of violation, your insurer, and your location. According to a recent study, nationwide the average is around 35% more for a single driving infraction. However,… Read more »
Snow removal is a necessity on Rhode Island. If you’re involved in the business of removing it, insurance is a factor you definitely must consider. Requirement for Snow Removal Contracts Proper insurance coverage is mandatory for most snow removal contracts. Clients often ask for a Certificate of Insurance to prove you have sufficient liability coverage…. Read more »
Colder weather often leads to plenty of snow and vehicles stranded in it. If this happens to you, here are a few handy tips to help free your vehicle so you can get back to driving again. Clear Snow Away From Tires Clear the snow away for at least a few feet both in front… Read more »