Non-Owner Car Insurance: Liability Coverage for Car-Free Drivers

Non Owner Car Insurance

Nearly 10 percent of U.S. households do not own a car, according to a 2014 study by the University of Michigan Transportation Research Institute. In major cities such as New York, Boston, Philadelphia, and Washington, a third or more of households are car-free. Are you part of this trend?

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2015’s Best & Worst Cities for Football Fans

Best Worst Cities for Football Fans BadgeFor fans, football is more than just a game — it’s a sacred American tradition. From judging the best Super Bowl ads and perfecting their legendary game-day chili to tailgating with other fans and sporting their team’s colors, fanatics have a lot to be excited about.

Just how crazy are Americans about the game? Of the 168 million adults in the U.S. who follow sports, 49 percent are loyal to football. To put that in perspective, football fans outnumber baseball fans by a solid 30.24 million and basketball fans by 35.28 million.

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2015′s Cities with the Most & Least Efficient Spending on Education

Cities with the Most Least Efficient Spending on Education BadgeAlthough free for students, public education can cost cities big. In fact, education topped state and local government spending at $869.2 billion in 2012, according to the latest finance data from the U.S. Census Bureau. Even so, the quality of education students receive can vary drastically from city to city, but why?

Traditionally, public school budgets have relied on local taxes, disparities in which potentially spur income inequality among students upon reaching adulthood, a Harvard University and National Bureau of Economic Research study concluded. The authors suggest that school-district quality reflects the amount of tax dollars families can pump into their local economies.

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Types of Car Insurance: What’s Available & What Do I Need?

Types Of Car Insurance

Drivers in almost all states are required to maintain minimum levels of auto insurance coverage. But beyond the minimum, your insurer will offer you many car insurance types. What do they cover, and which ones are right for you?

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Uninsured/Underinsured Motorist Coverage: Do You Need It?

Uninsured Motorist Coverage

Laws in nearly every state require motorists to carry car insurance, but many people take their chances and drive without coverage. How many? According to an Insurance Research Council study, an estimated one in eight motorists in 2012 was driving without insurance. That’s a national average, and in some states as many as one in four are uninsured.

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2015′s Cities with the Best and Worst ROI on Police Spending

WH Cities with the Best Worst ROI on Police Spending BadgeAmerica’s urban population has grown quickly in a short time, and crime rates in those areas have historically surpassed the numbers in their smaller and rural counterparts. But tighter police protection budgets in recent years have challenged local city officials to maintain or improve police effectiveness with fewer resources.

Even with help from state financing, cities foot much of the bill for public safety. According to the latest finance data from the U.S. Census Bureau, “local governments comprised 86.8 percent of the state and local government total spending on police protection,” which added up to $97.0 billion in 2012.

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The Financial Cost of Smoking by State

WH The Financial Cost of Smoking by State BadgeSince 1964, smoking-related illnesses have claimed 20 million lives in the U.S., 2.5 million of which belonged to nonsmokers who developed diseases merely from secondhand-smoke exposure. Every year, tobacco use continues to account for 443,000 premature deaths. It is the leading cause of lung cancer — men who smoke are 23 times more likely to develop the disease while women smokers are 13 times more likely to do so, according to the American Lung Association. As if such sobering facts were not enough, smoking can also burn a nasty hole in your wallet.

In the U.S., the economic and societal costs of smoking-related issues total more than $301 billion a year, and that figure continues to rise. Broken down, the total includes $116.4 billion in direct health care costs, $67.5 billion in workplace productivity losses and $117.1 billion in early deaths related to smoking.

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Subrogation: What It Is and How It Applies to Car Insurance


In the event of an insurance claim, “subrogation” refers to the process by which your insurance company collects money from the party at fault (or their insurance company) in order to recover funds you or your insurance company have already paid, including your deductible.

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2014 Banking Landscape Report

2014 Banking Landscape

It’s no secret the nature of personal finance has shifted considerably in recent years. Technology has closed the door on the era of neighborhood banking, bringing consumers simultaneously closer to and farther away from their financial institutions of choice. Widespread economic woes have unearthed a number of unsavory practices and institutional failures, while also saddling us with an uphill financial battle. Even the new regulations designed to cure the ills of years past have taken some getting used to.

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2015′s Most and Least Risky States for Drivers’ Wallets

The Most and Least Risky States for Drivers Wallets BadgeWe all know driving can be dangerous, but in some states it’s more dangerous to your wallet than others. If another driver crashes into your car, can you be sure that driver has insurance, and, if so, enough to cover the damages?

The answer to this question varies from state to state. The proportion of drivers with no insurance ranges from a high of 25.9 percent of drivers in Oklahoma to only 3.9 percent in Massachusetts.

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MedPay Insurance: Do You Need Medical Payments Coverage?

Med Pay

Auto medical payments (AMP) insurance, also known as MedPay, covers medical expenses when a car accident results in injuries to you, other drivers listed on your policy, members of your household and your passengers.

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What Is No-Fault Insurance & Which States Have It?

No Fault Insurance

You have been injured in an automobile accident, leaving you with medical bills and perhaps other costs such as lost income. Maybe you were at fault in the accident, maybe another driver was. How will you be compensated for these losses?

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Personal Injury Protection: How PIP Insurance Works in Your State

PIP Insurance

Personal Injury Protection (PIP) insurance covers medical expenses when a car accident results in injuries to you, other drivers listed on your policy, members of your household and your passengers. These expenses can include medical bills as well as some other expenses that are not typically covered by health insurance such as lost wages.

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2015′s Best & Worst Cities to Find a Job

WH Best Worst Cities to Find a Job BadgeIt’s a new year, which, for many, is also a time to renew one’s goals. Some will resolve to make small changes while others might consider overhauling their lives. But among the most popular New Year’s resolutions, finding a job or getting a better one consistently makes the list.

For those in search of employment opportunities, 2015 seems a good time to be on the job market, depending, of course, on where one lives. According to the National Association for Business Economics, nonfarm employment will grow by nearly 220,000 jobs per month while unemployment will fall to 5.4 percent by the fourth quarter.

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2015′s Best and Worst Metro Areas for STEM Professionals

WH Best Worst Metro Areas for STEM Professionals BadgeTechnological innovation is often used as a measure of progress. And though America has historically produced one of the best scorecards in the world, competition is fiercer than ever.

But don’t expect the U.S. to relinquish its position anytime soon. According to Department of Commerce estimates, STEM — science, technology, engineering and math — professions will expand 1.7 times faster than non-STEM occupations between 2008 and 2018. That’s good news, considering the fact that about a million of such highly skilled jobs are needed to ensure the U.S. remains competitive against the world’s top innovators. In 2012, the federal government announced its plans to increase STEM jobs by as many over the next decade.

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2014′s Best & Worst Cities for Singles

WH Best and Worst Cities for Singles BadgeAs the holidays grow near, many singles hope for that serendipitous encounter with their soul mate under the mistletoe.

In 2013, about 44 percent, or 105 million, of adults aged 18 or older were unmarried in the U.S., according to the Census Bureau. That includes individuals who were solo by choice, attached but not in a formalized relationship, divorced, widowed or looking. As for those in the market for love, location can mean the difference between a perpetually single life or a happily ever after. The city one calls home dictates such important factors as the number of prospective partners, diversity of dating activities and costs of going out.

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2014′s Best & Worst College Cities & Towns in America

WH Best & Worst College Cities & Towns in America BadgeHigh school seniors face a tall laundry list when prepping for college: From taking standardized tests and gathering letters of recommendation to submitting college applications and applying for financial aid, the final months before the big decision can be hectic. And to help students winnow their school choices, a visit to their prospective campuses can offer a taste of the college experience.

When touring universities and colleges, it’s important to examine not only an institution’s intellectual environment but also the city or town the student will call home for several years. Academic success depends on more than just the quality of a program. Also important is an area that is safe, affordable and conducive to personal development through a diversity of cultural and professional experiences.

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The Total Guide To A Totaled Car

Totaled Cars

You have been in a car accident, and your car is now damaged beyond repair. All is not lost. The reason you carry auto insurance is to protect you in these situations.

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What Is Gap Insurance and Is Gap Coverage Worth It?

Gap Insurance

A serious accident or the theft of your car is very bad news. But it can be worse when your auto insurance plan doesn’t cover what you owe on the car.

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2014′s Best and Worst Cities for an Active Lifestyle

WH Best and Worst Cities for an Active Lifestyle BadgeA winter holiday celebration in the U.S. is never complete without a gorgefest. On Thanksgiving Day alone, the average person consumes more than 4,500 calories and 229 grams of fat, according to the Calorie Control Council. And many of us justify overeating by crowning our list of New Year’s resolutions with a promise to “lose weight and get fit.”

But a strict health regimen following a solid holiday binge may be much easier to imagine than to implement. In fact, the average person will gain a little more than a pound between Thanksgiving and New Year’s Day, the National Institutes of Health found in a 2000 study. Although 1 pound sounds better than the popularly peddled 5 or more, the yearly accumulation of that extra weight poses the real threat. Uncontrolled weight gain invites a host of health issues such as diabetes and those related to obesity, treatment of which costs Americans about $176 billion and up to $210 billion a year, respectively.

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