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 […]
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 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 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 […]
September 26, 2025
millerinsWhy do I need umbrella insurance coverage?
Umbrella insurance is essentially extra liability coverage that kicks in after you’ve exhausted the limits of your auto, homeowners, or other primary liability policies. Here’s why many people choose to carry it: 1. Protects Against Large Lawsuits If you’re ever sued for causing injury, property damage, or personal harm (like libel or slander), judgments can […]
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 […]