Buying a new car is exciting, but for most people, it involves financing or leasing. As soon as you drive off the lot, your car begins to depreciate in value.1 This rapid depreciation, especially in the first few years, can create a financial vulnerability that many drivers aren’t aware of until it’s too late. This … Read more
The rise of ride-sharing services like Uber and Lyft has revolutionized transportation, offering flexible earning opportunities for drivers. However, for those behind the wheel, understanding insurance for driving for ride-sharing can be incredibly complex. It’s not as simple as using your personal auto policy. There are significant “gaps” in coverage that can leave drivers financially … Read more
Planning a trip often involves renting a car, and with it comes a familiar question at the rental counter: “Does my car insurance cover rental cars?” It’s a common point of confusion, leading many travelers to either pay for expensive, unnecessary coverage or, worse, drive unprotected. At UETNI, we want to clarify how your existing … Read more
For passionate owners of vintage beauties, muscle cars, or rare antiques, the thought of insuring these cherished vehicles often leads to a crucial question: “Auto insurance for classic cars: is it different from standard policies?” The answer, unequivocally, is yes. Unlike your daily commuter, a classic car requires specialized coverage that acknowledges its unique value, … Read more
Hitting a pothole can be a jarring, frustrating, and potentially costly experience. The sudden jolt, the loud thud, and the lingering worry about damage can leave any driver wondering, “Does car insurance cover pothole damage?” This is a common point of confusion for many drivers. At UETNI, we understand this everyday frustration and are here … Read more
Your driving record impact on insurance rates is one of the most significant factors insurers consider. Every time you get behind the wheel, your actions contribute to a history that directly influences how much you pay for auto insurance. From a minor speeding ticket insurance increase to the fallout of an accident, your past driving … Read more
The day your teenager gets their driver’s license is a milestone filled with excitement, and perhaps a bit of trepidation for parents. While the newfound freedom is exciting, the reality of car insurance for teen drivers often hits hard. Adding a teen to your auto insurance policy typically results in a significant jump in premiums, … Read more
It’s a question that often sparks confusion and friendly debate: “Does auto insurance follow car or the driver?” This isn’t just a trivial query; its answer has significant implications, especially when you consider lending car to friend insurance scenarios. At UETNI, we frequently encounter this question, and we’ve seen how misunderstandings can lead to unexpected … Read more
Being involved in a car accident can be a jarring and stressful experience, regardless of its severity. In the immediate aftermath, it’s easy to feel overwhelmed and unsure of what to do after a car crash. However, a calm and methodical approach is crucial for your safety and for ensuring a smooth car accident insurance … Read more
When it comes to your car insurance policy, the term “auto insurance deductible” is frequently heard but often misunderstood. It’s a critical component that directly impacts both your monthly premiums and your out-of-pocket costs when you file a claim. At UETNI, we believe in empowering our clients with clear, actionable information. We’ve seen many drivers … Read more