The Insurance Institute for Highway Safety issued a report that drivers frequently hit deer and, being large animals, such accidents are a big problem...

People are renters for different reasons. Regardless whether renting is because of financial necessity or a lifestyle preference, renters often decide...

Most homeowners have one thing in common: their single, largest asset is usually their residence. Most homeowners are also aware that, regardless where they live, their home faces the chance that...

First, there IS a difference. The difference between the two is a matter of time and intent. While unoccupancy is a temporary condition and an exception to a residence normally having occupants, vacancy generally...

Employees routinely use their own vehicles in their jobs or just to run errands for their employer. Does your company have protection in case of an accident and both your worker and your company are sued?...

While you might be familiar with the terms "bodily injury" and "property damage" which refer to accidentally harming others or their property (respectively), there is another source of loss faced by most persons called "personal injury."...

If you live in a climate that includes cold winters, you know the season creates special challenges for homeowners. In this article, we discuss an icy situation...

In this part we discuss an important legal responsibility created for homeowners by the winter season...

In this part we discuss a different hazard of the winter season...

Driving safely during the months that include snow, blinding storms, ice and slush takes preparation and the proper mind-set. What considerations do drivers need to make during the coldest of seasons?

In this part, let's talk about making long trips, skidding, actions to take when you're stranded and driving in the right frame of mind.

Hiring and firing practices have become legal minefields that have spurred the development of Employment Practices Liability Insurance (EPLI). It is important that a business has clear policies that are applied consistently to each employee and...

Insurance companies use different sources of information about a person that supplements an application. For auto coverage, motor vehicle reports are ordered. For home coverage, physical inspections may be needed. Another tool that is widely used for underwriting is credit-based scoring. Use of this item remains...

One of the most important actions a person can take to protect against the loss of property is to buy insurance. Under the best of circumstances securing insurance is difficult, taking time to find what type of coverage is needed, how much coverage is necessary, what insurer to deal with and...

Communication can be performed faster, more efficiently and more conveniently than ever before…but we all still struggle with communicating effectively. In many respects our true accomplishment has been to spread confusion at cyber speed.

Depending on the type of car you own and your driving history of tickets and accidents, you are likely insured in the standard or preferred auto market. Both markets cover typical or average cars and operators. This allows insurance companies to use a comfortable set of assumptions about expected losses and repair expenses for developing insurance premiums. However, if you own a classic or antique auto you're in a special coverage situation.

In 2003, an estimated 83,300 children, ages 14 and under, were treated in emergency rooms for burn related injuries.

Some helpful tips on treating a burn.

Although most collision damage waiver (CDW) or loss damage waiver (LDW) fees are considered outrageous, most consumers should consider purchasing the CDW/LDW for short-term rentals.