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Most states have insurance laws that require drivers to have at least some automobile liability insurance. These laws were enacted to ensure that victims of automobile accidents receive compensation when their losses are caused by the actions of another individual who was negligent.

Car insurance generally refers to damage to your vehicle either due to your fault or when somebody else has crashed into you. However, most car insurance policies also include medical expenses as standard, which protects you and any other passenger in the vehicle at the time of the accident. The level of cover and what’s included in medical expenses varies, though, and you should weigh up the importance of this in your decision.

We have many clients with expensive or luxurious possessions but what about those whose relative left a piece of jewellery or item which you don’t know the value of? Well, a standard home and contents insurance policy has a cap on how much you are covered for. These vary so it’s worth checking your existing policy, but it’s unlikely it will cover too much. We can arrange valuations for you where you can have jewellery and other inherited possessions valued by a professional. Specialist items require specialist insurance. It doesn’t make sense risking something so precious, does it?

Together with high-value goods, there are other things not covered which might surprise you. For instance, if pests such as rats enter your home and damage appliances, you may not be covered since you could have prevented the pest from entering your home. General wear and tear isn’t usually covered, nor is a build-up of mould. Another common insurance question is what specifically is not included within home insurance. Turns out, it can be a lot. Some policies also exclude things like floods, burst pipes, poor workmanship. If you are a business working from home and don’t have the right home business insurance, standard home insurance won’t cover injury or damage to your goods, either. It’s essential you are proactive in protecting your home.

When you hit another driver, liability or fault comes into play. If it’s agreed you were at fault and your insurer pays out, both your premium and your No Claims Discount (NCD) may be affected. However, if you were not at fault for the accident, your insurer will look for the other driver’s insurer to pay out and your NCD may not be affected. If fault cannot be agreed upon, both driver’s insurers usually look to split the cost, and both driver’s NCD may be affected.

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