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...

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...

Who’s Insurance Covers a Borrowed Car?

Ever wonder who’s insurance covers when you borrow someone’s car or let someone drive yours? Here’s the answer:

#noinsurance4u – Sun Bathing

So I was…uh.. ya know.. drivin by the pool.. Hot day, looked so refreshing..so uh.. I ..ya know..drove right in. #noinsurance4u

#NoInsurance4U

Definitely Not A Potential Shine Client  

Top 5 Secrets of Auto Insurance Pricing

Commercials are constantly blaring at you about car insurance.  Famous people act silly, tell you buying from them will be easy, and beg for your business.  You finally make a decision and find comfort in the knowledge that, if you are in an accident, someone will step in and take care of you. But how did they decide what to charge you?  While there are truly a variety of factors, at Shine...