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 »
An insurance policy endorsement, or rider, offers a way to alter your existing policy without having to buy a new one. It can be used to remove or modify information within your standard policy or increase or restrict coverage. It overrides what is written in your standard policy. Generally, an endorsement remains in effect as… Read more »
It is the time for gifting, but have you considered the insurance implications? What would happen if an expensive new gift was stolen, lost, or damaged? Would your insurance cover it? Insure Packages If you’re planning on having a gift delivered, ensure that the seller offers insurance. Otherwise, you may need to buy it yourself…. Read more »
Standard auto insurance policies base your premiums on your personal driving profile. Your profile includes factors such as the type of vehicle you drive, your driving record, where you live, your age, gender, marital status, and how often and where you drive. However, these factors ignore daily performance. For instance, you could be a young… Read more »
Most drivers are responsible and buy auto insurance. However, according to the Insurance Information Institute, 16.5 percent of drivers in Rhode Island are uninsured. That’s the 11th highest in the nation. Our rate is also much higher than the countrywide rate of 12.6 percent. This is particularly alarming since we’re such as small state. Luckily,… Read more »