The Ultimate Guide to Auto Insurance

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 is knowing whether you live in an At Fault State or a No Fault State. You can...

The 3 Simple Steps to a Fender Bender

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 unusual situation. Many times the other driver just wants to leave, especially if it was their fault. They might say “hey nothing big happened” or...

8 Most Common Auto Insurance Discounts

“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 lot of companies use to avoid talking about great coverage, quality customer service, and a claims team...

3 essential things to do at the scene of a minor car accident

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 car accident it’s uncomfortable and usually very contentious.  It can bring out the worst in people.  The other driver may want to...

Home & Auto Liability Coverage Explained

Liability coverage is the coverage 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 expenses, lost wages, and “pain & suffering” that others experience in these situations. But your policy will only cover you up...

Uber/Lift: Rideshare Insurance 101

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 is that the moment you turn on your ride share app you’ve turned your vehicle into a money...

Should You Pay For The Speeding Ticket Deferment Program?

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 off of your record. The speeding ticket won’t exist anymore but it’ll cost you $60-$100 on top of the $200 ticket. You think to yourself, “Gosh...

Hit by an Uninsured Driver?

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, your good decisions will protect you from their bad ones.  Your Uninsured and Underinsured Motorist Coverage will kick in and protect...

“Full Coverage”: The Holy Trinity of Auto Insurance

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 Full Coverage because it’s a slang term. That’s right just like nah, cuz,...

The #1 insurance coverage you should understand but don’t

Liability Insurance.  Who cares? Nobody, until one day you hear a scream from your yard. After running through the front door, you find your loving, wonderful, and maybe a bit overprotective dog hanging from the neighbors leg.  Suddenly, liability insurance is the most important thing in your financial world. Or, in a much more likely scenario, you’re driving through town 10 minutes...
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