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 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 […]
September 17, 2025
millerinsClimate change and natural catastrophes affect on auto and home insurance
Climate change and natural catastrophes are having a significant and growing impact on both auto and home insurance. These changes are reshaping how insurance companies assess risk, set premiums, and offer coverage. Here’s a breakdown: 1. Impact on Home Insurance A. Increased Frequency & Severity of Claims Wildfires, hurricanes, floods, and hailstorms are becoming more […]
September 2, 2025
millerinsShould I file an auto claim with my insurance company or the insurance company of the person who hit me?
It depends on a few factors, but generally, you have two options: 1. File with Your Own Insurance (Collision Coverage) When to consider it: If the other driver is at fault and you want to get your car repaired as quickly as possible, you might want to file a claim with your own insurance. If […]
August 7, 2025
millerinsThe Pitfalls of “Cheap” Auto Insurance: What You Need to Know
The problem with “cheap” auto insurance often comes down to the fact that you get what you pay for. While low premiums can be attractive, there are several downsides and risks associated with going for the cheapest option available. Here are the main issues: 1. Minimal Coverage Cheap insurance often means bare minimum liability coverage—just […]