James Shaffer

Hugo is a real, licensed business, not a scam. It operates as Hugo Insurance Services LLC, a licensed insurance agency,…

Disclosure: Insurance Panda and RateFrog share an owner. Insurance Panda is a real, active website, but it is not an…

Otto is a real business, but it’s a quote-comparison and referral site, not an insurance company, and it publishes less…

A rock-cracked windshield is normally paid for under comprehensive coverage, and comprehensive claims are less likely to raise your rate…

Yes, gap insurance can often be refunded, but how much you get back depends on how you paid for it…

Gap coverage generally pays the difference between what you owe on the loan or lease and your insurer’s payout for…

Gap insurance can pay off what your car loan leaves after a total loss, but not always the whole balance.…

Gap insurance is worth it when you owe more on your car loan or lease than the car is worth,…

How you cancel gap insurance depends on where you bought it. If it’s an endorsement added to your auto insurance…

Gap coverage is generally written to last until a specific event ends it, such as paying off the loan, selling…