You’re driving home from work, thinking about dinner, when — bam — you feel that jolt. You’ve been rear-ended.The other driver’s fine, you’re fine, but your heart’s racing and your mind’s spinning. Most of us think, “Well, that’s what insurance is for.”And yes, that’s true. But what happ ...

It happens on a daily basis.  The reason why most people pick up the phone and call their insurance agency.  The bill came in the mail, a claim hasn’t been filed in several years (or if ever) and it just seems “way too expensive.” What’s the answer you commonly get?  “The price is what it i ...