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Personal Insurance

The Hidden Risks of Ridesharing and Food Delivery: Your Personal Auto Insurance May Not Cover You

The Hidden Risks of Ridesharing and Food Delivery: Your Personal Auto Insurance May Not Cover You

In the era of digital platforms and the gig economy, ridesharing and food delivery services have become a popular way for individuals to earn extra income. While these opportunities offer flexibility and convenience, they also come with a hidden risk: many people are unknowingly putting themselves at financial jeopardy by using their personal vehicles for commercial purposes.

What Is Flood Insurance and How Do I Know If I Need It?

What Is Flood Insurance and How Do I Know If I Need It?

Flood Insurance by definition is additional coverage a property owner purchases to protect their property from rising water that enters the property or damages in some way. The key point here is ‘additional’. Many property owners assume the homeowner’s policy they purchase when they buy a property covers any loss including a flood. This just simply isn’t the case.

What is an FR-19 request?

An FR-19 is the name of a form the MVA requires your auto insurance carrier to submit providing proof of insurance coverage for a specific vehicle registered in the state of Maryland. By law in Maryland, if you have a vehicle with active tags and registration, you must maintain the minimum state-required liability insurance with limits of $30,000 per person in bodily injuries, $60,000 in total bodily injuries, and $15,000 in property damage.