The PolicyLector Blog
Coverage explainers, industry news, and seasonal tips written in plain English. No jargon, no fluff.
Your Dec page is a one-page summary of your entire policy. Here's how to read every section and spot coverage gaps.
April 1, 2026Most states require $25,000 to $30,000 in liability. The average new car costs $48,000. See the problem?
April 1, 2026Your liability is shown as either 100/300/100 or $300,000 CSL. Here's what each means and how to compare.
April 1, 2026About 15% of U.S. drivers have no insurance. If one of them hits you, your options depend entirely on whether you carry UM/UIM coverage.
April 1, 2026The 10% rule is simpler than you think, but most people get it wrong in both directions. Here's the actual math.
April 1, 2026Collision covers crashes. Comprehensive covers everything else: theft, hail, floods, deer, vandalism. Here's how both work.
April 1, 2026Adding a teen will raise your premium 50%–100%. Here's what changes, the discounts to ask about, and the mistakes that cost you more.
April 1, 2026$20–$40/year that pays $30–$50/day if your car is in the shop after a claim. Here's the math and why most people should add it.
April 1, 2026Every state's minimum requirements in one chart, updated for 2026. Liability limits, UM/UIM requirements, PIP/no-fault status.
April 1, 202612 states use no-fault. 38 use at-fault (tort). The system you live under shapes your required coverage and how claims work.
April 1, 2026Nine factors, multiplied together, set your premium. Here's how the math works, why rates jumped with no claims, and which discounts are worth asking for.
November 2, 2026The first hour is when the expensive mistakes happen. Here's what to do at the scene, what to say, who to call, and which coverage pays for what.
November 2, 2026It isn't a warranty, and it usually isn't insurance. What the contracts cost, what they actually pay, when one makes sense, and how to cancel one you regret.
November 2, 2026