Carl Somilleda

Carl Somilleda

General beer ninja. Hardcore social media guru. Devoted beer guru. Hardcore beer geek. Hipster-friendly web aficionado.

106 Articles Written
What Types of Automobile Insurance Coverage Should You Consider?

What Types of Automobile Insurance Coverage Should You Consider?

When it comes to automobile insurance, there are several different types of coverage available. Bodily injury liability...

Can an uninsured driver sue me in florida?

Can an uninsured driver sue me in florida?

If the other driver has insurance, you could file a claim against you for your medical bills and more. Uninsured...

Why do you need insurance to get a license in nc?

Why do you need insurance to get a license in nc?

Get a driver's license in North Carolina because the state wants to make sure you have the amount of legal coverage...

How to Get a Refund for Unused GAP Insurance

How to Get a Refund for Unused GAP Insurance

GAP insurance is a type of coverage that pays the difference between the actual cash value of a vehicle and the amount...

Can you get temporary car insurance in texas?

Can you get temporary car insurance in texas?

Major insurers don't offer temporary car insurance, but there are options if you're only going to drive temporarily. If...

5 Factors That Influence the Price of Your Insurance Premium

5 Factors That Influence the Price of Your Insurance Premium

When it comes to car insurance, there are a number of factors that can affect the price of your premium. These include...

Why Comprehensive Insurance is Expensive and What You Need to Know

Why Comprehensive Insurance is Expensive and What You Need to Know

Civil liability covers injuries or damage that you cause to others when you are at fault for an accident up to the limit...

Factors That Affect the Cost of Insurance

Factors That Affect the Cost of Insurance

When it comes to insurance, there are a variety of factors that can influence the cost of your premiums. For car...

What to Do When You're Hit by an Uninsured Driver in Florida

What to Do When You're Hit by an Uninsured Driver in Florida

Personal Injury Protection (PIP) is a must for all drivers in Florida, and it can provide you with compensation after a...

6 Factors That Influence Your Insurance Cost: An Expert's Guide

6 Factors That Influence Your Insurance Cost: An Expert's Guide

Your age, gender, and marital status are all factors that can have an impact on the cost of your car insurance premiums....

Do I Need Rental Car Reimbursement if I Have Full Coverage Auto Insurance?

Do I Need Rental Car Reimbursement if I Have Full Coverage Auto Insurance?

If you have full coverage auto insurance, you may be wondering if you need rental car reimbursement. The answer is yes,...

What is the Difference Between Rental Reimbursement and Comprehensive Car Insurance Coverage?

What is the Difference Between Rental Reimbursement and Comprehensive Car Insurance Coverage?

When it comes to car insurance, there are two types of coverage that can help you in the event of an accident: rental...

When is the Right Time to Drop Collision and Comprehensive Coverage?

When is the Right Time to Drop Collision and Comprehensive Coverage?

If you're considering when to cancel collision insurance, you'll need to take into account the actual cash value of your...

Do I Need Uninsured Motorist Coverage in Florida?

Do I Need Uninsured Motorist Coverage in Florida?

Yes, you need coverage for uninsured drivers, even if you have comprehensive and collision coverage. Collision insurance...

Is $300 Too Much for Car Insurance Coverage?

Is $300 Too Much for Car Insurance Coverage?

Claims resulting from any accident can have a major influence on premiums. It is essential to have the right amount of...

What is medical payments coverage under a cgl policy?

What is medical payments coverage under a cgl policy?

Medical payments to third parties are part C of the commercial general liability (CGL) policy related to commercial...

5 Most Important Types of Insurance Everyone Should Have

5 Most Important Types of Insurance Everyone Should Have

Insurance is an important part of life, and there are five types that everyone should have. Home or property insurance,...

Can you claim insurance on an act of god?

Can you claim insurance on an act of god?

If the car owner has a comprehensive car insurance policy, they could be covered by a force majeure clause. The force...

What is the Difference Between Full Coverage and Liability Insurance?

What is the Difference Between Full Coverage and Liability Insurance?

Liability coverage is the foundation of most auto insurance policies. Depending on where you live, full coverage usually...

What Happens if You're Sued for More than Your Insurance Covers in South Carolina?

What Happens if You're Sued for More than Your Insurance Covers in South Carolina?

If you're involved in a car accident in South Carolina, the policy does not set any limits on how much the company must...

Comprehensive Coverage: What Does It Really Cover?

Comprehensive Coverage: What Does It Really Cover?

Comprehensive insurance is a type of car insurance that helps pay for the replacement or repair of your vehicle in the...

Types of Insurance Coverage: What You Need to Know

Types of Insurance Coverage: What You Need to Know

Unlike car insurance, no state law stipulates that you must have homeowners coverage. However, if you financed your home, ...

Comprehensive vs General Liability Insurance: What You Need to Know

Comprehensive vs General Liability Insurance: What You Need to Know

The term “comprehensive general liability insurance” is an outdated way of referring to general liability insurance....

What Types of Coverages Should You Include in Your Automobile Insurance Policy?

What Types of Coverages Should You Include in Your Automobile Insurance Policy?

An auto insurance policy is a combination of different types of coverage. Bodily injury liability coverage applies to any ...

What is the definition of cost of insurance?

What is the definition of cost of insurance?

The cost of insurance (COI) generally applies to life insurance policies, such as variable life and universal life...

Comprehensive vs Liability Insurance: Which is Cheaper and What to Consider

Comprehensive vs Liability Insurance: Which is Cheaper and What to Consider

When it comes to car insurance, one of the most important questions you need to ask yourself is whether you should get...

What Does Full Coverage Mean for Car Insurance? A Comprehensive Guide

What Does Full Coverage Mean for Car Insurance? A Comprehensive Guide

When an insurance company, agent, or lender talks about full-coverage car insurance, they are usually referring to a...

What is the Difference Between Medical Payments and Liability Insurance Coverage?

What is the Difference Between Medical Payments and Liability Insurance Coverage?

When it comes to auto insurance, there is a clear distinction between medical payments and bodily injury coverage....

What Does Full Coverage Auto Insurance Include? A Comprehensive Guide

What Does Full Coverage Auto Insurance Include? A Comprehensive Guide

When it comes to auto insurance, “full coverage” is a term that is often used by consumers, but not necessarily by...

How Much Does Medical Payments Coverage Cost? A Comprehensive Guide

How Much Does Medical Payments Coverage Cost? A Comprehensive Guide

When it comes to car insurance, medical payments coverage (MedPay) is an important option to consider. MedPay is a type...

What Does Breakdown Cover Include? A Comprehensive Guide to Vehicle Protection

What Does Breakdown Cover Include? A Comprehensive Guide to Vehicle Protection

Breakdown coverage is a form of insurance that can provide protection in the event of a vehicle breakdown, whether it be...

Do I Have Full Coverage Car Insurance? - A Comprehensive Guide

Do I Have Full Coverage Car Insurance? - A Comprehensive Guide

Are you wondering if you have full coverage car insurance? The answer is simple: if you have comprehensive and collision...

Comprehensive vs Collision Insurance: Which is Better? A Comprehensive Guide

Comprehensive vs Collision Insurance: Which is Better? A Comprehensive Guide

When it comes to car insurance, there are two main types of coverage: comprehensive and collision. Comprehensive...

How do i show proof of insurance to the dmv nc?

How do i show proof of insurance to the dmv nc?

Documents: Insurance policy from a licensed North Carolina insurer that shows when the policy was issued and when it...

What Does $100 Per Disablement Mean for Your Insurance Coverage?

What Does $100 Per Disablement Mean for Your Insurance Coverage?

When it comes to insurance coverage, there are often limits on the cost of each incident or the number of claims you can...

What Does Full Coverage Car Insurance Include? A Comprehensive Guide

What Does Full Coverage Car Insurance Include? A Comprehensive Guide

When it comes to car insurance, the term 'full coverage' is often used to describe a policy that includes all risks and...

Insurance Basics: A Comprehensive Guide to Understanding the 3 Parts of an Insurance Contract

Insurance Basics: A Comprehensive Guide to Understanding the 3 Parts of an Insurance Contract

Insurance is a contract between an insurer and the policyholder that provides financial protection against losses or...

What is the Difference Between Gap Insurance and Comprehensive Coverage?

What is the Difference Between Gap Insurance and Comprehensive Coverage?

When you file a qualifying claim, your comprehensive or collision coverage will pay the actual cash value (ACV) of your...

What is the Difference Between Rental Reimbursement and Medical Payments Coverage?

What is the Difference Between Rental Reimbursement and Medical Payments Coverage?

Medical payment coverage is designed to cover the limited medical expenses of people who are injured in the car you drive ...

Do I Need Full Coverage Car Insurance? - An Expert's Perspective

Do I Need Full Coverage Car Insurance? - An Expert's Perspective

If you own a vehicle, you may be wondering if you need full coverage car insurance. The answer to this question depends...

Comprehensive Coverage: What You Need to Know

Comprehensive Coverage: What You Need to Know

Comprehensive coverage is an optional form of car insurance that provides protection against damage caused by unexpected...

What Type of Multiple Protection Coverage is Best for You?

What Type of Multiple Protection Coverage is Best for You?

Multi-protection life insurance policies provide coverage for a person's entire life. These hybrid policies are...

What to Do if You're Hit by an Uninsured Driver in South Carolina

What to Do if You're Hit by an Uninsured Driver in South Carolina

If you're unfortunate enough to be involved in a car accident with an uninsured driver in South Carolina, you could be...

Minimum Insurance Requirements for North Carolina Drivers: What You Need to Know

Minimum Insurance Requirements for North Carolina Drivers: What You Need to Know

North Carolina motor vehicle law requires that motor liability coverage be maintained on an ongoing basis. Liability...

What are the Disadvantages of Full Coverage Car Insurance?

What are the Disadvantages of Full Coverage Car Insurance?

Premiums will increase after you apply for benefits. Liability insurance is the only mandatory policy.

Comprehensive Insurance: What Does It Cover and Is It Full Coverage?

Comprehensive Insurance: What Does It Cover and Is It Full Coverage?

No, comprehensive insurance is not full coverage, but it is often referred to as such when taken out together with...

Can You Go to Jail for Driving Without Insurance in South Carolina?

Can You Go to Jail for Driving Without Insurance in South Carolina?

Driving without car insurance is illegal in the state of South Carolina. Unfortunately, hundreds of drivers do this,...

How Long Can You Go Without Car Insurance? A Comprehensive Guide

How Long Can You Go Without Car Insurance? A Comprehensive Guide

No matter where you live or who your insurance provider is, you can get a grace period of 30 to 60 days to find new...

What does it mean when you have no collision insurance?

What does it mean when you have no collision insurance?

If you don't have collision insurance, your vehicle won't be covered on your car insurance policy if you cause an...

What Are the Consequences of Driving Without Insurance in South Carolina?

What Are the Consequences of Driving Without Insurance in South Carolina?

Sanctions from the State of South Carolina are serious if you are caught driving without insurance. You can be jailed for ...

Do I Need Uninsured Motorist Coverage If I Have Full Coverage Auto Insurance?

Do I Need Uninsured Motorist Coverage If I Have Full Coverage Auto Insurance?

Do you need coverage for uninsured drivers, even if you have collision and comprehensive coverage? The answer is yes....

What is Full Coverage Auto Insurance and What Does it Include?

What is Full Coverage Auto Insurance and What Does it Include?

Full coverage auto insurance is a combination of comprehensive insurance, collision insurance, and liability insurance....

Medical Payments Coverage: Is it Part of General Liability?

Medical Payments Coverage: Is it Part of General Liability?

Medical payments coverage is a form of general liability insurance that reimburses third parties for medical or funeral...

Understanding Your Insurance Coverage and Protection

Understanding Your Insurance Coverage and Protection

When it comes to insurance, it can be difficult to understand the different types of coverage and protection available....

What is Full Coverage Gap Insurance and How Does it Work?

What is Full Coverage Gap Insurance and How Does it Work?

When your loan amount is greater than the value of your vehicle, full coverage gap insurance pays the difference. This...

How to Choose the Right Car Insurance Deductible

How to Choose the Right Car Insurance Deductible

If you're looking to save money on your car insurance, one of the best ways to do so is by selecting a higher deductible. ...

Which two perils are not covered under a standard homeowners insurance policy?

Which two perils are not covered under a standard homeowners insurance policy?

Standard homeowner policies cover a wide range of potential disasters, from tornadoes to lightning and winter storm...

5 Factors That Determine the Cost of Insurance Premiums

5 Factors That Determine the Cost of Insurance Premiums

When it comes to health and car insurance, the cost of coverage can be quite high. But there are ways to make it more...

Do You Need Uninsured Motorist Coverage in South Carolina? - A Comprehensive Guide

Do You Need Uninsured Motorist Coverage in South Carolina? - A Comprehensive Guide

South Carolina law requires that you purchase liability and uninsured motorist coverage to drive legally in the state....

What Does Liability Only Insurance Cover? A Comprehensive Guide

What Does Liability Only Insurance Cover? A Comprehensive Guide

When it comes to auto insurance, liability only coverage is the most basic form of protection. It pays for any injuries...

Do I Need Gap Insurance If I Have Full Coverage Auto Insurance?

Do I Need Gap Insurance If I Have Full Coverage Auto Insurance?

Do you need extra protection if you have full coverage and still owe money for a car loan or lease? The answer is yes....

Uninsured Motorist Coverage in Florida: Protect Yourself from Financial Consequences

Uninsured Motorist Coverage in Florida: Protect Yourself from Financial Consequences

If you are injured in a car accident due to another driver not having bodily injury liability (BIL) insurance, your...

What Does Uninsured Motorist Coverage in Florida Mean for You?

What Does Uninsured Motorist Coverage in Florida Mean for You?

Uninsured motorist (UM) coverage is a type of insurance that provides protection for drivers in the event of an accident...

3 Types of Life Insurance Explained: Which One is Right for You?

3 Types of Life Insurance Explained: Which One is Right for You?

Comprehensive life insurance, universal life insurance, and term life insurance are three main types of life insurance....

What are the Consequences for Uninsured Motorists in Florida?

What are the Consequences for Uninsured Motorists in Florida?

If you are caught driving uninsured for the second time in Florida, the consequences can be severe. Law enforcement...

When is Full Coverage Insurance Not Worth It?

When is Full Coverage Insurance Not Worth It?

Your car is old or has many kilometers? A good rule of thumb is that when your annual payment for full coverage equals...

What are the Essential Auto Insurance Coverages You Should Have?

What are the Essential Auto Insurance Coverages You Should Have?

When it comes to auto insurance, liability coverage is essential. It provides protection in the event of a covered car...

What is the Difference Between Rental Reimbursement and Personal Injury Protection Insurance?

What is the Difference Between Rental Reimbursement and Personal Injury Protection Insurance?

Comprehensive insurance pays for physical damage to your vehicle that has occurred due to things other than a collision,...

What Does General Liability Insurance Cover and What Doesn't It Cover?

What Does General Liability Insurance Cover and What Doesn't It Cover?

Having a commercial general liability (CGL) policy is essential for any business, as it safeguards them from financial...

What Are the Penalties for Driving Without Insurance in South Carolina?

What Are the Penalties for Driving Without Insurance in South Carolina?

Driving without insurance in South Carolina can be a costly mistake. Not only will you face state fines and penalties,...

The Benefits of Uninsured and Underinsured Motorist Coverage According to Dave Ramsey

The Benefits of Uninsured and Underinsured Motorist Coverage According to Dave Ramsey

Uninsured motorist (UM) coverage is paid after an accident with an at-fault driver who doesn't have any insurance....

What is Full Coverage Car Insurance?

What is Full Coverage Car Insurance?

Full coverage car insurance is a type of policy that provides protection for both liability and property damage to your...

Factors to Consider When Choosing the Right Insurance

Factors to Consider When Choosing the Right Insurance

When it comes to selecting the right insurance, there are a few key elements to consider. Age, gender, smoking habits,...

When Should You Terminate Collision Coverage?

When Should You Terminate Collision Coverage?

Collision coverage is a type of car insurance policy that will repair damage to your vehicle when something collides with ...

What is Medical Payment Insurance and How Does it Work?

What is Medical Payment Insurance and How Does it Work?

Medical payment coverage is an optional form of car insurance that helps pay for medical and funeral expenses after a car ...

What is the Difference Between Collision and Comprehensive Insurance Coverage?

What is the Difference Between Collision and Comprehensive Insurance Coverage?

Collision coverage is typically used when a driver has been in a car accident. It covers the cost of repairing or...

What Does Commercial General Liability Insurance Not Include?

What Does Commercial General Liability Insurance Not Include?

Commercial general liability (CGL) policies can provide financial protection for a company in the event of accidental...

Comprehending Liability and Comprehensive Auto Insurance

When it comes to auto insurance, there are two primary types of coverage: liability and comprehensive. Liability...

What is the Difference Between Rental Reimbursement and Liability Insurance?

What is the Difference Between Rental Reimbursement and Liability Insurance?

What makes reimbursing a rental car confusing is that it's also sometimes referred to as “rental car coverage.”...

Why Are My Car Insurance Rates So High?

Why Are My Car Insurance Rates So High?

If your car insurance premiums are too expensive, there are several common factors that could explain why. Your age,...

Comprehensive Coverage: What It Does and Does Not Cover

Comprehensive Coverage: What It Does and Does Not Cover

Comprehensive coverage is an essential part of a full-coverage car insurance policy, but it does not cover everything. It ...

The Value of Insurance: Why is it so Important in Society?

The Value of Insurance: Why is it so Important in Society?

It's no secret that insurance plays a vital role in society. From providing financial security and peace of mind to...

Can you claim a blown engine on insurance?

Can you claim a blown engine on insurance?

If you have a collision accident and a comprehensive accident, your vehicle may be covered if the engine is damaged in an ...

How Much Does Full Coverage Car Insurance Cost? A Comprehensive Guide

How Much Does Full Coverage Car Insurance Cost? A Comprehensive Guide

When it comes to car insurance, there are many factors to consider when determining the cost. State coverage...

What is the Difference Between Liability and Comprehensive Insurance Coverage?

What is the Difference Between Liability and Comprehensive Insurance Coverage?

In addition to being covered by liability for bodily injuries and property damage caused to other people, collision...

5 Types of Car Insurance Coverage and How to Save Money

5 Types of Car Insurance Coverage and How to Save Money

Most states have statutory minimums on how much liability coverage you should have. It's often a good idea to carry more...

How Much Does Comprehensive Car Insurance Cost? A Comprehensive Guide

How Much Does Comprehensive Car Insurance Cost? A Comprehensive Guide

Comprehensive car insurance is one of the most comprehensive types of coverage available, and it's usually cheaper than...

Does Uninsured Motorist Insurance Cover Rental Cars in Texas?

Does Uninsured Motorist Insurance Cover Rental Cars in Texas?

Your insurance company will pay for a car rental only for as long as it deems reasonable to repair or replace your car....

Do you need uninsured motorist coverage in the state of florida?

Do you need uninsured motorist coverage in the state of florida?

If a motorist like that seriously injures you, for all practical purposes, your situation wouldn't be better than if you...

Is Comprehensive Auto Insurance Worth It? A Comprehensive Guide

Is Comprehensive Auto Insurance Worth It? A Comprehensive Guide

Having comprehensive and collision coverage can provide vital additional protection, especially if you're leasing or...

When is Collision Insurance No Longer Beneficial for Consumers?

When is Collision Insurance No Longer Beneficial for Consumers?

When the annual premium for collision insurance is equal to 10% of the value of your car, it may be time to consider...

Why is Comprehensive Car Insurance So Expensive? A Comprehensive Guide

Why is Comprehensive Car Insurance So Expensive? A Comprehensive Guide

Comprehensive car insurance is generally more expensive in areas with a high rate of claims, such as vandalism, theft, or ...

3 Reasons Why Your Insurance Rates May Increase

3 Reasons Why Your Insurance Rates May Increase

When it comes to insurance, it's important to understand why your rates may go up. There are a variety of factors that...

The Benefits of Uninsured/Underinsured Motorist Coverage

The Benefits of Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage is a great way to protect yourself from financial losses due to an accident with ...

A Comprehensive Guide to Different Types of Insurance

A Comprehensive Guide to Different Types of Insurance

Insurance is a form of financial protection that provides coverage for losses due to accidents, theft, damage, and other...

The Essentiality of Insurance Coverage: Why You Need It

The Essentiality of Insurance Coverage: Why You Need It

No one wants to get sick or injured, but medical emergencies can happen at any time. Having the right insurance coverage...

Can You Sue an Uninsured Driver in South Carolina? - A Comprehensive Guide

Can You Sue an Uninsured Driver in South Carolina? - A Comprehensive Guide

If you've been involved in a car accident with an uninsured driver in South Carolina, you may be wondering if you can sue ...

What is Towing and Labor Coverage? A Comprehensive Guide

What is Towing and Labor Coverage? A Comprehensive Guide

Towing and labor coverage is an optional type of auto insurance policy that provides protection against the costs and...

What are the Pros and Cons of Full Coverage Car Insurance?

What are the Pros and Cons of Full Coverage Car Insurance?

Premiums will increase after you apply for benefits. Liability insurance for cars is the only mandatory policy, but the...

When is it Wise to Drop Your Collision Coverage?

When is it Wise to Drop Your Collision Coverage?

If your car isn't worth much, you may be tempted to cancel your collision insurance. Before making a decision, it's...