Carl Somilleda

Carl Somilleda

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

47 Articles Written
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...

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...

How to Get the Best Car Insurance in South Carolina

How to Get the Best Car Insurance in South Carolina

Driving without insurance in South Carolina can be a costly mistake. Not only can you face fines, jail time, and...

Comprehending Liability and Comprehensive Auto Insurance

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

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...

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...

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...

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 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...

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....

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 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...

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 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....

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 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...

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 ...

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...

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,...

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

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

Driving without car insurance or paying the annual uninsured motorist fee in South Carolina can result in serious...

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...

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....

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 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 You Need Rental Car Insurance in Texas?

Do You Need Rental Car Insurance in Texas?

When it comes to car accidents in Texas, the at-fault driver's liability insurer is required to provide you with a rental ...

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...

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 ...

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...

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 ...

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...

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 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 insurance will pay for injury to another?

What insurance will pay for injury to another?

Bodily injury liability coverage helps pay for someone else's expenses if you injure them in a car accident. Remember...

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...

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,...

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...

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...

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 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 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...