February 2, 2026
millerinsWhat to do in the event of an auto accident insurance claim
Here’s a clear, practical checklist of what to do after any auto accident when you may need to file an insurance claim. This applies broadly in the U.S. and Canada, but most steps are good practice anywhere. What To Do After an Auto Accident (For Insurance Claims) What To Do After an Auto Accident (For […]
January 26, 2026
millerinsIs my new car insured when I purchase it?
Short answer: it depends—and this is one of those things that trips a lot of people up. Here’s how it usually works: If you already have auto insurance Many policies automatically cover a newly purchased car for a short grace period (often 7–30 days), but: Coverage is usually limited (sometimes only liability) You must notify […]
January 5, 2026
millerinsWhat is the most important reason for having auto and home insurance?
The most important reason for having auto and home insurance is financial protection against losses that could otherwise be devastating. In plain terms: insurance protects your assets, income, and future from events you can’t reasonably afford to handle on your own. Why this matters most 1. Protection from large, unexpected losses A serious auto accident […]
December 16, 2025
millerinsDid You Know? We’re Licensed in More Than One State.
Many of our clients know The Miller Insurance Agency as their trusted local insurance partner—but you may not know that our reach extends beyond just one state. We are proud to be licensed to serve clients in Oregon, Idaho, Montana, Arizona, and Colorado, in addition to Washington. This means we can continue to help […]
December 10, 2025
millerinsWe all hope that “what if…?” never happens. This is just in case it does.
You’re used to handling challenges and making things happen. But sometimes, you find yourself in a situation you didn’t see coming. Liability risks can come in many forms, and some can be serious. If a big loss goes over what your regular liability insurance covers, a commercial umbrella policy can help. Coming Through When Other […]
December 8, 2025
millerinsHow to deal with an automobile smash and grab?
Here’s a clear, practical guide you can follow if you experience an automobile smash-and-grab. What to Do Immediately After a Smash-and-Grab 1. Stay Safe Make sure the area is safe before approaching your vehicle. If the incident is in progress, do not intervene—call 911. 2. Document the Damage Take photos of: Broken windows or doors […]
November 19, 2025
millerinsWhat is the best way I can save money on my auto and home insurance without sacrificing coverage?
Here are the most effective ways to save money on your auto and home insurance without sacrificing coverage, while still keeping the protection you need for the big losses (which aligns with how you already think about insurance): 1. Raise Your Deductibles Strategically This is the #1 way to lower premiums without weakening your protection.Since […]
November 12, 2025
millerins10 Reasons Car Insurance Premiums Are Getting So Expensive
With summer having officially arrived, many Americans will be loading up their cars, SUVs and minivans and hitting the road to any number of far-flung vacation destinations. Many, if not most, will also likely be stunned as to how much their auto insurance premiums have jumped. Industry estimates suggest the average motorist will see his […]
October 14, 2025
millerinsHow Social Inflation is impacting auto and home insurance premiums
What is social inflation? In short, social inflation refers to the phenomenon where the cost of insurance claims (especially liability claims) rises faster than general economic inflation, driven by legal, societal, and behavioral trends rather than just price increases in goods or services. eforum.casact.org+3NAIC+3Swiss Re+3 Some of the drivers include: Larger jury awards (including “nuclear […]
September 30, 2025
millerinsHow does insurance fraud affect my insurance premiums?
Insurance fraud raises costs for insurers, and those costs get passed on to honest customers through higher premiums, stricter underwriting, and fewer discounts — plus if you are found to have committed fraud, your rates will go up a lot (and you can also face denial of claims, cancellation, fines, or criminal charges). How fraud […]