October 15, 2026
millerinsIs it a good idea to remove insurance coverage from a vehicle, motorcycle, or RV that I still own, but am not using it? at this time?
In most cases, completely removing insurance coverage from a vehicle, motorcycle, or RV that you still own is not a good idea, even if you’re not currently using it. Here are the key considerations: Reasons to Keep Some Coverage 1. Your Asset Still Has Value Even when parked, a vehicle can be damaged by: Fire […]
September 9, 2026
millerinsIf I purchase my child an ebike does my insurance cover their liability exposure?
Maybe, but do not assume it does. For most families, liability coverage for a child riding an e-bike depends on: Your specific homeowners or umbrella insurance policy How the insurer classifies the e-bike The bike’s power and speed State laws and policy exclusions When coverage may exist Some homeowners policies provide personal liability coverage for […]
August 31, 2026
millerinsIs my e-bike covered on my auto or homeowners insurance?
Usually not fully, and sometimes not at all. The answer depends on your e-bike’s class, speed, motor size, and the wording of your specific policies. Auto Insurance Most personal auto policies do not cover e-bikes because they are generally not considered insured automobiles and typically aren’t listed on an auto policy. Homeowners Insurance Homeowners insurance […]
June 16, 2025
millerinsWhat is driving insurance rates in 2025?
In 2025, there are several key factors driving the fluctuations in driving insurance rates, both on an individual and national level. These factors are often tied to broader economic, technological, and societal shifts. Here’s a breakdown of what’s influencing insurance rates in 2025: 1. Inflation and Economic Factors Increased Costs of Repair and Replacement: 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 […]
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 […]