Leaving the country? Had a not-at-fault accident? Here’s the real deal.

People ask these car insurance questions all the time — and honestly, they’re important! If you're leaving the country for a few months, check if your insurer offers a "storage" mode. It keeps your physical damage coverage active but at a much cheaper rate than full coverage. Got into a not-at-fault accident? Sorry, but your rates might still go up. Insurance is all about stats, and someone who's had any kind of accident is seen as a higher risk compared to someone who hasn’t. Making a claim like a cracked windshield? Good news: most comprehensive claims (like glass damage) typically don’t affect your rates — unless it's something big like theft or vandalism. And when it comes to choosing insurers, if you’re picking from major companies and the coverage is identical, the biggest differences you’ll notice are in customer service and claims handling, not the actual coverage itself. Have you ever been surprised by how your insurer handled a claim? Share below! #InsuranceTips #DrivingAdvice #CarInsuranceQuestions #SmartDriving #InsuranceFacts