Totaling your car is, to put it bluntly, terrifying. Even the most seasoned of drivers are likely to be sent into full crisis mode after totaling a vehicle. Beyond any injuries you or your passengers may have, totaling a car can spawn a whole host of questions regarding what your options are and how you should proceed through the insurance claims process.

As a business owner, you have to cover all your employees through a workers’ compensation policy, but when it comes to covering yourself, you have the option.

Sometimes simply having insurance for your business isn’t enough. Being insured is of course the most effective way to ensure you are protected from various risks, but in certain situations, specifically when partnering with other businesses or hiring subcontractors, you need additional assurance that you’re protected.

Two years ago I was on my way to work and stopped at a red light. The truck in front of me went to far out and started to back up. I honked on my horn, but they didn’t stop. He backed up right into me. The truck had no damage but my front end had taken quite the beating. Thankfully nobody was injured and my car was driveable.

Many companies offering a paid service will charge late fees, or discontinue your service if you do not pay. And unfortunately, insurance is no different.

We know nobody is ever excited to get their insurance bill. Whether it’s your personal home/renters/car insurance policy, or your commercial policy for your business, insurance is just one of those things you need, but wish you didn’t have to pay for. Even though you can’t get around paying your insurance bill, fortunately, there are many options nowadays that can make paying easier.