Blogs and Resources - LA Insurance

Life gets hectic, and insurance isn't always top of mind. But letting your car insurance lapse, even for a short time, can bring serious consequences like increased premiums, fines, license suspension, and no coverage in the event of an accident. To avoid these setbacks, it's important to maintain continuous insurance coverage. 
 
In this article, you'll learn exactly what a car insurance lapse means, what causes it, how grace periods work, what penalties you might face, and the steps to reinstate your coverage safely. 

Planning your next road trip with a travel trailer in tow, but unsure whether you need insurance for it? Don’t worry. Many Americans who choose recreational vehicles ask the same.

In fact, many assume their auto insurance covers RVs, including trailers, but that’s not true. You always need a separate policy for your RV, whether it’s motorized or non-motorized. 

Today, we’re here to answer questions specifically about travel trailer insurance. It’s a type of non-motorized RV you tow behind a truck or SUV. It could be a fifth wheel, pop-up camper, toy hauler, or utility trailer. Many RVers use them for road trips, vacations, or even full-time living. 

How much auto insurance do you need is a kind of question that doesn’t have a straightforward answer. Why is that? Because every driver is different, and not everyone has the same budget to afford full coverage car insurance with higher coverage limits. 
 
Let’s say you’re a high-risk driver in Michigan or any other state with a history of accidents or DUI. In that case, we’d recommend getting collision coverage, which usually protects you from any collision-related events regardless of fault.