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The team

Marcus Delgado

Insurance & Loans Specialist

Licensed P&C insurance producer

Written by Marcus Delgado

Car Insurance Q&A What Is Gap Insurance and Is It Worth It? Gap insurance pays the difference between what you still owe on your car loan and what your insurer pays out when the car is stolen… Read the guide → Car Insurance Q&A What Does Comprehensive Car Insurance Cover? Comprehensive car insurance pays for damage to your own car from everything except a crash: theft, hail, fire, flood, falling branch… Read the guide → Car Insurance Q&A Collision vs Comprehensive: What’s the Difference? Collision pays when your car hits something. Comprehensive pays for nearly everything else: theft, hail, fire, flood, falling object… Read the guide → Car Insurance Q&A Do You Need Uninsured Motorist Coverage? Yes, in almost every case. Uninsured motorist coverage pays your injury bills when the at-fault driver has no insurance, and it is c… Read the guide → Car Insurance Q&A What Is Non-Owner Car Insurance? Who Needs It Non-owner car insurance is a liability-only policy that follows you instead of a car. Buy it if you drive borrowed, rented or shared… Read the guide → Car Insurance Q&A Temporary Car Insurance: Real Options in the US True temporary car insurance (a policy you buy for a day or a week) is not sold in the United States. The shortest term almost every… Read the guide → Car Insurance Q&A Rideshare Insurance: What Uber and Lyft Require Uber and Lyft require you to keep your own personal auto policy, and that policy usually stops applying the second you go online. Th… Read the guide → Car Insurance Q&A Delivery Driver Car Insurance: What You Need Your personal policy almost certainly does not cover you while you deliver. Standard auto policies exclude carrying goods for pay, a… Read the guide → Car Insurance Q&A What Is an Insurance Declarations Page? An insurance declarations page is the one- or two-page summary at the front of your policy. It names the drivers and cars, prints ev… Read the guide → Car Insurance Q&A What Is a Car Insurance Deductible? How to Pick One A car insurance deductible is the amount you pay yourself before your insurer pays the rest of a covered repair. It applies to colli… Read the guide → Car Insurance Q&A Does Insurance Cover Windshield Replacement? Yes, but only if you carry comprehensive coverage. Comprehensive is the half of windshield replacement insurance that pays for glass… Read the guide → Car Insurance Q&A How to File a Car Insurance Claim Step by Step To file a car insurance claim, report it the same day, get a claim number, hand over photos and the police report, then let the adju… Read the guide → Car Insurance Q&A Should You File a Claim for a Minor Accident? File a claim for a minor accident when the repair clearly beats your deductible, when another car was involved, or when anyone menti… Read the guide → Car Insurance Q&A How Much Does Insurance Go Up After an Accident? A single at-fault accident usually adds 20% to 80% to your premium for three to five years. On the 2023 national average premium of… Read the guide → Car Insurance Q&A How Long Does an Accident Stay on Your Insurance? Three separate clocks run at once. Your insurer’s surcharge usually drops off after three to five years. Your C.L.U.E. loss history… Read the guide → Car Insurance Q&A Car Insurance Claim Payouts: How They’re Calculated A car insurance claim payout starts with what your car was worth the moment before the crash, not what you paid for it. From there t… Read the guide → Car Insurance Q&A Totaled Car: How Insurance Decides and Pays Totaled car insurance rules take over when repairing your car costs more than the car is worth, or more than the share of its value… Read the guide → Car Insurance Q&A Can You Negotiate a Car Insurance Settlement? Yes. You can negotiate car insurance settlement offers, and the first number is a position rather than a verdict. What moves it is d… Read the guide → Car Insurance Q&A Diminished Value Claims: How to File One A diminished value claim is an eligibility test before it is a negotiation. You almost always bill the at-fault driver's insurer, no… Read the guide → Car Insurance Q&A What to Do After a Car Accident: A Checklist What to do after a car accident barely changes from state to state: check for injuries, call police, photograph everything, swap inf… Read the guide →