Insurance Articles

Lower your premiums with discounts from your auto insurance company

Man breaking into car using screwdriver in door handle

This article will address ways that you may be able to lower your premiums with discounts from your automobile insurance company. With a bit of research and discussing it with your car insurance agent, you may be able to walk…
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8 tips to lower your automobile insurance premium

Little red car parked on white auto insurance policy and three 20 dollar bills

With all the bills we have to pay, our automobile insurance may represent a bit of a chunk out of our budget. Here are 8 ways to lower your automobile insurance so that you can save your money or use…
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Do you understand your car insurance policy?


I have to admit that, long ago before I entered law school at the ripe old age of 40, I never really bothered to read through my car insurance policy. It was only after I started really getting into the…
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Who pays when you lend your vehicle to someone who then gets into a car wreck?


The old adage that says “no good deed goes unpunished” is certainly appropriate when you lend your vehicle to someone who then gets into a car wreck. Whose insurance pays for what? Well, it depends. Who pays when someone else…
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What factors can increase your car insurance premiums


If you drive a car in Arkansas, you are required to carry minimum automobile insurance coverage. Although different insurance premiums differ, even for basic coverage, there are a few factors that you should be aware of concerning possible reasons for…
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Understanding umbrella policies

Insurance protection concept with a black umbrella covering and protecting from a dark dangerous thunder rain storm with lightning and under is a peaceful safe summer landscape with green grass and a blue sky

Some people worry that they don’t have enough insurance coverage, so I thought I’d write about what umbrella policies are, to give you and understanding of what they do. Also called “Personal Umbrella Policies”, or “PUPs”, the coverage provides additional…
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Reasons insurance companies may give to deny your personal injury claim

An insurance policy and a pen and the word “Denied” in red stamp across the policy

You’ve been injured in a motor vehicle or truck accident that wasn’t your fault. You are upset and feel badly. Then to add to everything else, the defendant insurance company denies your claim! Not to worry. There are many reasons…
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An explanation of “bad faith” insurance

Red pencil and insurance policy document wording

In a recent article, I wrote about Walmart  suing their own insurance company for “bad faith”, in connection with the accident involving comedian Tracy Morgan. Bad faith insurance is an important concept to understand when dealing with insurance companies, so…
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