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 16, 2026
millerinsReal Cases, Real Rewards
Billion-dollar jury awards aren’t just big headlines – they’re a growing threat for businesses of all sizes. In fact, mega-nuclear verdicts, awards that exceed $100 million, have increased by 61% year over year.* Product liability is the leading category, making up 1 in 6 of 2024’s Top 100 verdicts. Large jury awards are no […]
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 […]
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 21, 2025
millerins6 Forces Driving Commercial Auto Insurance Costs
Over the past decade, auto insurance rates have increased steadily, well exceeding the rate of inflation over the same period. But what’s driving this upward trend? Explore factors that have significantly impacted the rates for commercial auto. 1. Bodily injury loss costs Bodily injury severity had a sharp trend upward, increasing 9.2% from 2023 to […]
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 […]