May 12, 2025
millerinsHow are uninsured drivers impacting auto insurance rates?
Uninsured drivers can have a significant impact on auto insurance rates, and the effects can be felt across various levels of the insurance market. Here’s how: 1. Increased Costs for Insurers Uninsured Motorist Claims: When an uninsured driver is involved in an accident, the insured driver (or their insurance provider) may be left covering the […]
April 28, 2025
millerinsWhat You Should Know About: Avoiding Collisions With Wildlife
Deer or other animals crossing the road is a common hazard for drivers. Defensive driving can help you steer clear of a collision. What you should know: The Insurance Institute for Highway Safety (IIHS) estimates that there are more than 1.5 million deer-vehicle collisions each year. The average wildlife-vehicle collision auto claim is $4,135. Comprehensive coverage […]
April 23, 2025
millerinsWhat are the con’s to hiring a lawyer to settle an auto insurance claim?
Hiring a lawyer to settle an auto insurance claim can definitely have upsides—especially if you’re dealing with injuries, significant damages, or an uncooperative insurance company—but there are a few cons to be aware of: 1. Cost / Attorney Fees Contingency fees: Most personal injury or auto claim lawyers take a percentage of your settlement (often 30–40%), which […]
April 11, 2025
millerinsIs Litigation Funding the New Cost of Doing Business?
For the past decade, the small and midsize businesses we protect have been watched by anonymous, predatory investors waiting for just the right injury to pounce. Often at the expense of the injured party, and always trying to inflict maximum damage on the businesses and insurers in their sights, third-party investors turn the financial promise […]
March 24, 2025
millerinsWhy should I have a personal umbrella insurance policy?
A personal umbrella insurance policy can be an important addition to your overall coverage for several reasons. Here’s why you might want to consider it: Extra Liability Protection: Umbrella insurance provides additional liability coverage beyond the limits of your existing auto, homeowners, or renters insurance policies. If you were to cause an accident or damage […]
March 18, 2025
millerinsWhat are my responsibilities if I am involved in an auto accident?
If you’re involved in an auto accident, there are several important responsibilities you need to follow to ensure the situation is handled properly. Here’s a general outline of what you should do: 1. Ensure Safety Stop: Never leave the scene of the accident, even if it’s a minor fender bender. Leaving the scene could result in criminal […]
March 13, 2025
millerinsDoes homeowners insurance cover fallen trees?
Homeowners insurance may cover damage to your home and other structures on your property caused by fallen trees, branches, and limbs. This may also include coverage for damage caused by a neighbor’s tree falling on your property, although your neighbor’s insurance may pay for the damage instead if the tree fell due to negligence on […]
March 3, 2025
millerinsDoes my homeowners insurance cover my service lines?
Homeowners insurance typically does not cover service lines, such as water, sewer, gas, or electric lines that run from your house to the street or other external connections. These service lines are often considered the homeowner’s responsibility for repair or replacement. However, some homeowners policies may offer an add-on or endorsement for service line coverage, […]
February 17, 2025
millerinsDo I need to insure my offroad vehicles?
Yes, it’s generally a good idea to insure your off-road vehicles, though it may not be legally required everywhere. The type of insurance you need depends on a few factors: Legal requirements: In some areas, you may be required to have at least liability insurance for off-road vehicles (like dirt bikes or ATVs), especially if […]
February 10, 2025
millerinsDoes homeowners insurance take into account the maintenance and condition of my home?
Yes, homeowners insurance generally considers the maintenance and condition of your home, though it may not directly impact the premium in the way you might expect. However, poor maintenance can affect your coverage in several ways: Claims Denial: If damage to your home is due to lack of maintenance or neglect, your insurance company might […]