At Shine we’re always explaining how auto, home, and business insurance works. Usually that’s one-on-one with our clients but today we’re pulling back the curtain and offering a guide to understanding auto insurance. Here’s a basic overview: The first step to understanding your auto insurance ...

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So you were in an accident. It wasn’t a big accident just a fender bender.   Besides an ego or two, no one’s hurt and you’re trying to figure out what to do next.  The scene of a small car accident is an uncomfortable and ...

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“DISCOUNTS, DISCOUNTS, DISCOUNTS” It’s the cry of so many insurance companies all over the airwaves. As I write this post, the Pandora radio station I’m listening to keeps bursting into an insurance company commercial screaming about discounts. Discounts can be a scapegoat topic that a ...

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Do you know what to do in a small accident? Maybe you’d intuitively do some of the things I’m about to describe but I see folks time and again not doing these three things and risking thousands of dollars in the process. When you’re in a ...

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Liability coverage is for bad things that happen to other people because of you. It could be in an auto accident where you’ve hurt other people or it could be someone getting hurt at your home. You have insurance to pay for the actual medical ...

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Uber and other ride-share type companies are growing throughout the world. Have you thought about being a driver? Well, there are important issues you should understand before committing. Here’s a great blog post by The Rideshare Guy.     The most important thing to understand ...

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So you got a speeding ticket, but there was a strange second option that came with it called a Deferment Program. It says that you can pay an extra chuck of change and the police department will be kind enough to wipe that ticket clean ...

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The sad reality is that more than 20% of drivers don’t have insurance.  And more than 50% of drivers carry very low Liability Coverage on their auto policy. So what happens when they slam into your car? Well, if you have the proper insurance coverage, ...

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Insurance agents use the term “Full Coverage” all the time. It seems like their saying it’s the ultimate in auto insurance coverage.  But what does it actually mean? The definition of Full Coverage is (drum roll please): ………. Well there actually isn’t a definition for ...

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