The insurance industry has been changing rapidly as insurtech startups challenge traditional models with automation, flexible pricing, and data-driven underwriting. Nowhere has this disruption been more visible than in vehicle fleet insurance, where businesses demand cost efficiency, on-demand coverage, and faster claims handling. One company that captured attention in this space was Lula Insurance. Initially known for its innovative approach ...

Insurance documentation often becomes most important during stressful or time-sensitive life moments—changing jobs, enrolling in Medicare, registering a vehicle, or proving eligibility for benefits. In these situations, having the right paperwork can prevent delays, penalties, or loss of coverage. One of the most commonly misunderstood categories of insurance documents is letters of coverage. This term acts as an umbrella for ...

If you’re asking “when will boy scout victims get paid 2026?”, the short answer is that the Settlement Trust aims to resolve all claims by the end of 2026. However, the exact timeline depends on pending appeals and ongoing insurance litigation. As of December 2025, over $295 million has been distributed to more than 36,896 survivors, but many victims are ...

Many drivers assume that if a car is “totaled,” it’s destroyed and unsafe to drive. The truth is, what happens when your car is totaled but still drivable often surprises people. A vehicle is considered totaled when the cost to repair it exceeds its actual cash value (ACV), not necessarily when it can’t operate. Insurance companies make an economic decision, ...

The direct answer is simple: Does liability insurance cover theft? No, liability insurance does not cover theft of your own property. Many people mistakenly think it does because they associate liability insurance with “protection” in general. In reality, liability insurance is designed to protect third parties if you cause them harm or damage their property—not to replace stolen items or ...

Yes, homeowners can get demolition-related coverage, but the answer depends on what you mean by “demo insurance.” Are you asking about coverage if you hire a contractor, perform demolition yourself, or need insurance after a disaster? Each scenario has different requirements and protections. Demolition is common for homeowners in several situations. Some hire contractors for teardown and rebuild projects, others ...

Imagine this scenario: a business consultant advises a client on a growth strategy that later causes financial losses. At the same time, another client visiting the consultant’s office slips on a wet floor and gets injured. Two different lawsuits, one for bad advice, one for physical injury, yet each requires a different type of insurance coverage. This is where understanding ...

You finally return to work after an injury or illness, armed with a doctor’s note outlining your limitations. Maybe it says no heavy lifting, fewer hours, or modified duties. You expect a conversation. Instead, your employer responds with words that instantly raise anxiety: “We can’t accommodate those restrictions.” At that moment, one question takes over: what happens next?Did you lose ...

I still remember staring at my calendar one Sunday night. Fourteen appointments booked for the week ahead, yet deep down I knew maybe one would actually show up. That quiet moment was the first time I seriously questioned everything. If you’re reading this, chances are you’ve had a similar feeling, or you’re considering entering the field and want to know ...

Being the victim of a hit-and-run accident is stressful enough; you shouldn’t have to worry about your car insurance rates going up on top of everything else. Unfortunately, many drivers are left confused about what happens next, especially when the other driver disappears without taking responsibility. One of the most common questions people ask after these incidents is Will a ...