Make sense of insurance before you buy, renew or make a claim. We explain coverage, exclusions, costs, emerging risks and the technology changing how insurance works.
Search interest in “AI liability insurance” has grown roughly sixfold over the past year, and it’s easy to see why: AI chatbots and assistants are now embedded in banking apps, airline websites, insurance claims portals, and customer service across nearly every major industry — and every one of those deployments is a new opportunity for…
Usage-based car insurance programs promise a discount for being a safe driver, and the marketing around them — “save up to 30%,” “get rewarded for good driving” — makes it sound like a one-directional deal: drive well, pay less, no downside. That framing is incomplete, and it matters financially. Independent reviews of Progressive’s own Snapshot…
If you’ve tried to get a therapy appointment covered by insurance and hit a wall — a tiny in-network provider list, a preauthorization delay, a copay that’s somehow higher than your regular doctor visit — you’ve run into exactly the problem federal parity law was written to stop. And 2026 is the year that law…
The single biggest question stopping people from buying an EV is some version of “what happens when the battery dies?” The honest answer: it almost never does, and when something does go wrong with it, standard car insurance and the manufacturer’s warranty split the responsibility in ways most buyers don’t understand until they actually need…
If Part 1 of this series established what betterment assessment is and why it exists, Part 2 is where the frustration usually lives — because the calculation is where most claimants discover that “your insurer will pay what the repair costs” is a considerable simplification of what actually happens. The arithmetic of betterment is not…
There is a moment that happens to thousands of insurance claimants every year, and it arrives without warning inside what should be good news. The damage has been assessed. The claim has been approved. Repairs are underway. And then the settlement figure arrives — and it’s less than the repair estimate the contractor provided. Not…
There are two separate moments (AI Overviews & Insurance)at which a modern consumer loses meaningful visibility into their insurance decisions, and most people only know about one of them. The first is the obvious one — the black-box moment when an algorithm sets your premium, denies your claim, or flags your application for reasons that…
Somewhere between your last road trip and your next insurance renewal, a file was updated. You didn’t update it. You didn’t authorise it, at least not in any way that felt like a meaningful decision. A data broker — one whose name you have probably never heard — received information from a connected system, processed…
Nobody signed up for this, exactly. There was no announcement, no single policy change you could point to and say “that’s when it happened.” Instead, the way insurance works quietly rewired itself over about five years, one integration at a time — a credit score folded into a pricing formula, a claims model rolled out…
