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Authors

Michelle Megna

Insurance Expert

Michelle is a writer, editor and expert on insurance and personal finance. Prior to joining Insure.com, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News.

Recent Articles By Michelle Megna

American International Group Homeowners Insurance
Learn about AIG home insurance reviews and ratings, including how they ranked in our best home insurance survey 2022.
January 24, 2023
The 10 most dangerous foods to eat while driving
Eating while you drive is one of the most distracting things you can do. Find out what are some other dangerous distractions.
December 6, 2022
The difference between cancellation and nonrenewal of car insurance
There are important things you must know if you don't inform your insurance company of your decision to terminate, even if it's at the end of your policy period.
December 6, 2022
Insuring a teen driver in single-parent households
If the teen's parents are separated, the teen should be listed on the parent's policy with whom he or she lives. Some insurers require that all drivers be named on both policies. Read on to learn more.
December 5, 2022
Rental car insurance: Choosing your coverage wisely
If you buy rental car insurance from a rental car agency, or use your own car insurance, make certain you have enough coverage to pay for expensive repairs.
November 29, 2022
How to give a car as a gift — and keep it a secret
Financing, titling and insurance for a secret car gift requires some special timing. Here's how to pull it off.
November 22, 2022
The truth about totaled cars: How to keep yours
You don't have to say farewell to your vehicle just because your insurance company has declared it a total loss. Here's what to do.
August 5, 2022
Guide to Car Insurance Discounts
Know what types of car insurance discounts are available and how to choose the best one. Get information about how to save on auto insurance to lower your car insurance rates.
December 16, 2021
The Best Cheap Homeowners Insurance of 2021: Guide
Travelers has the cheapest home insurance rates at about $1,064 a year. Whereas, Country Financial is the best insurer for customer satisfaction with 885 scores from J.D Power.
December 16, 2021
Life Insurance for Bipolar Disorder
A diagnosis of bipolar disorder can affect your life insurance application. Here's how to get the best rate.
August 13, 2021
Condo and co-op homeowners insurance: What you should know
Know what is co-op homeowners insurance and get information about how much does it cost, difference between condo and co-op insurance and more.
August 13, 2021
Ten ways to save on your renters insurance
A wide variety of renters insurance discounts are available, ranging from safety and security devices you use to lessen your risk of injury or loss due to theft, to how close you live to a fire department.
August 13, 2021
Getting mental health treatment coverage for children
Getting mental health treatment for your child can be an ordeal. Here's how to understand the game.
August 13, 2021
Guide to Home Insurance
Find the best home insurance quotes based on your needs and location. Compare rates, coverage, and features from top companies that can help you save money.
August 10, 2021
Why your insurance company has to pay for your illegal acts
There are cases where insurers will have to pay for damage resulting from your illegal acts, as long as your crime was accidental. Here are examples.
August 1, 2021
Total warfare: What to do when your auto insurer totals your car
When you total your car, you cause substantial damage, and your insurance company has the right to decide that your car isn't worth fixing.
July 19, 2021
Cheapest Car Insurance Buying Guide
Find who has the cheapest auto insurance quotes in your state and get tips on buying cheap car insurance that still includes sufficient coverage. Also see the list of cheapest car insurance companies.
July 12, 2021
Chubb Home Insurance
Learn about Chubb home insurance company, including how they ranked on our annual best insurance companies survey.
March 9, 2021
Home Insurance Companies
Here is a list of today’s leading home insurance companies. Learn more about these insurers and how to contact them.
October 18, 2020
The basics of long-term care insurance
When buying long-term care insurance, your age is a primary factor in determining its cost; the younger you are when you buy the policy, the cheaper your premiums will be.
August 31, 2020
8 top car insurance myths to steer clear of in 2018
Don't lose money because you buy into common car insurance myths. We debunk some top bogus insurance misconceptions.
September 26, 2018
Drunk-driving penalties by state
What will happen to you if you're pulled over for drunk driving? See alcohol impairment (DUI) laws by state.
September 4, 2018
Moving and insurance: Checklist for a smooth move
Every insurance policy will need some attention when you move. Here's a helpful checklist.
May 16, 2018
Earthquake insurance basics
If you decide to purchase earthquake insurance, buy enough to cover the costs of rebuilding your house and replacing damaged possessions. Learn more.
September 26, 2017
15 ways to save on home insurance
Here are 15 ways to slash the cost of your home insurance.
May 26, 2017
What your health, life and disability insurers know about you
Health insurance, life insurance and disability insurance all use medical records to set your rates or deny coverage. When medical records are accessed, there are questions about personal privacy.
July 14, 2016
How personal bankruptcy affects your life insurance and annuities
Whether you are facing bankruptcy or only considering it, one of the biggest questions you may have is how your lifestyle and property will be affected.
November 13, 2015
Driving into Mexico? You’ll need south-of-the-border car insurance
For your travels south of the border, you will need a car insurance policy specifically underwritten to cover liability and losses in Mexico.
October 2, 2015
Health care reform: Health insurance exchanges
Health insurance exchanges will be set up in each state to serve as a one-stop shop for comparing health plans and buying health insurance.
September 18, 2015
12 things you don’t know about car insurance that could cost you
Don't lose money through insurance misunderstandings.
September 17, 2015
Insuring your valuables
If you own valuable items in your home, make sure you have the proper insurance to protect them. Find out what you need to know.
September 16, 2015
Health insurance options for pregnant women
Pregnant? Here are ways to navigate the health insurance system.
January 14, 2014
Fourth of July weekend is a deadly time to be on the road
See how major holidays stack up in terms of fatal car accidents and alcohol-related deaths.
June 27, 2012
Don’t shoot yourself in the foot: When to file that auto insurance claim
Read these important tips befiore you file a car insurance claims that could end up costing you more than you'll receive.
May 14, 2011
Rebuilding costs increase following a catastrophe
Following a major catastrophe, demand increases for labor and materials to rebuild houses and businesses. Often, home insurance companies are forced to pay higher prices to cover claims costs.
November 7, 2010
6 health insurance myths
Hearsay and incorrect information often fuel people?s misunderstandings of health insurance.
October 15, 2010
Evaluating cancer insurance
How to select a cancer insurance policy and determine whether it's a good bet.
September 19, 2010
Mental health parity laws by state
Most states have enacted legislation that requires health insurance plans to provide coverage for mental health treatment that's equal to coverage for physical illness.
May 5, 2010
HIPAA: Your rights to health insurance portability
The Health Insurance Portability and Accountability Act imposes limits on the extent to which some group health plans can exclude coverage for pre-existing conditions.
April 10, 2010
Swimming in the assigned-risk pool for car insurance
If you have numerous speeding tickets, traffic violations or a recent history of car accidents, you may be swimming in the high-risk pool for car insurance.
March 21, 2010
A heart-breaking choice: The family dog or home insurance
Although U.S. households with dogs now outnumber those with kids by a 2-to-1 margin, dog owners can face difficult and even heartbreaking choices when it comes to securing or renewing home insurance.
March 21, 2010
The basics of maternity leave
If you're thinking about starting a family, it's a good idea to plan for the unexpected -- especially when it comes to your health insurance.
March 14, 2010
How to help your parents with health insurance
As parents grow older, it often falls to their children to provide the care they need. Learn more about options for your parent's health insurance.
March 5, 2010
Cheap health insurance for 20-somethings
How to find low-cost health insurance when you're young
February 20, 2010
How to arbitrate a car insurance claim dispute
Mediation and arbitration can be thought of two stages of the same overall process. Every arbitration case begins with mediation. If that fails, the case moves to arbitration.
February 2, 2010
12 ways to get health insurance if you’re already sick
Here's to how find health insurance when you're already sick.
January 30, 2010
Second-level letter of appeal for a health insurance claim denial
A sample second level of appeal letter for a denied health insurance claim.
January 30, 2010
How to avoid a health insurance claim denial — and what to do when you can’t
There are several ways to work out your situation after having your health insurance claim denied.
January 30, 2010
The 5 biggest lies told to car insurance companies
Fudging on your car insurance application to save on the premium may seem like a harmless white lie, but it can spell trouble for you down the road.
January 23, 2010
Page 2: How pregnancy leave coordinates with the Family Medical Leave Act
Afteryou have determined your eligibility for pregnancy-related benefits, you also need to be aware of how they may coordinate with the Family Medical Leave Act.
December 10, 2009
Motorcycle insurance requirements by state
Requirements for motorcycle insurance often mirror requirements for car insurance. Find your state requirements here.
December 7, 2009
Proper insurance coverage for college-bound children
Find out how to keep health insurance for your college-bound child.
December 7, 2009
Proper insurance coverage for college-bound children
Learn how your auto, home and health insurance is affected when your child goes off to college.
December 7, 2009
Auto direct repair programs reduce headaches
Insurance companies have tried to lessen the inconvenience of collision repair with direct repair programs (DRPs), which eliminate a lot of work on your part.
December 7, 2009
Don’t blame high-performance cars alone for their high accident and death rates
While high-performance cars might have higher accident death rates than other vehicles, car enthusiasts should agree it's wrong to lay the blame solely on the vehicles.
December 7, 2009
Consumer group lists “deadliest cars”
Consumers Union has ranked what it claims are the four 'deadliest' cars of all time: the Camaro, Corvette, Firebird, and the Mustang.
December 7, 2009
6 steps to buying the perfect car for your teen driver
When purchasing a car for a teen, safety is probably at the top of the list for every parent. Learn the steps to buying a perfect car for your teen... Learn more.
December 7, 2009
How alcohol use affects your life insurance premiums
Life insurance is hard to get when you have an alcohol problem.
December 7, 2009
Getting out of your annuity
If you have an annuity (whether it's variable, fixed, or equity-indexed) and you're thinking of dumping it, carefully consider the consequences of your decision.
December 7, 2009
Business Men’s Assurance bought by Liberty Life
Business Men's Assurance Co. of America (BMA) has been purchased by Royal Bank of Canada (RBC) through Liberty Life Insurance Co.
December 7, 2009
Cigar smokers see the best life insurance rates drift away
If you smoke cigarettes or a pipe, you're going to be placed in a high-risk category and will pay more for your life insurance rates.
December 7, 2009
Page 2: What demutualization means for policyholders
What do you get out of demutualization?
December 7, 2009
Countrywide Insurance gives wireless access to quotes and agents
California-based Countrywide Insurance Services (CIS) is believed to be the first insurance agency in the country to help consumers buy insurance using their wireless devices.
December 7, 2009
The trouble with drunk friends
Home insurance could cover a drunk friend's actions at your house. But if you serve drinks to your friends when they come over, you could be taking on a large risk.
December 7, 2009
Homeowners premiums fluctuate with community’s fire-fighting ability
One factor that affects your home insurance premium is how well your city copes with fires.
December 7, 2009
Insurance for in-law apartments
It's a little home within a home, but whether an in-law apartment is covered under a current homeowners policy is a tricky issue.
December 7, 2009
Freddie Mac to allow quicker cancellation of private mortgage insurance
Freddie Mac, one of the country's largest providers of mortgages, will make canceling private mortgage insurance (PMI) easier for borrowers who hold Freddie Mac-owned mortgages.
December 7, 2009
Some companies will insure straw-bale homes
A growing number of straw-bale homes are being built across the nation, with an increasing number of companies insuring them.
December 7, 2009
Home insurance policies cover damage from trees downed by ice and snow
Home insurance policies pay for much of the damage that occurs when snow and ice storms send tree limbs crashing onto homes, garages and fences.
December 7, 2009
Insurance coverage for alternative medicine
Access to — or insurance coverage for — alternative health care benefits is provided in various ways.
December 7, 2009
Medical treatments insurers won’t touch
Insurers are the gatekeepers of health care for most Americans. This arrangement can put investigational and experimental medical treatments out of reach.
December 7, 2009
The basics of group health insurance
There is power in numbers, especially when it comes to finding affordable health insurance. Here's how group health insurance works.
December 7, 2009
Health insurance guide helps legislators navigate public policy
HSAs combine a high-deductible health insurance policy with a savings account. The high-deductible policy protects the insured from the many costs.
December 7, 2009
How to haggle for a lower price with your doctor
Everything in health care is negotiable. Here are tips for negotiating your medical bill down.
December 7, 2009
Hidden health hazards: What you don’t know can hurt you
While you're certainly aware of many common health risks and germ factories, we went looking for less-known hazards that lurk where we sleep, eat and frolic.
December 7, 2009
Expect double-digit jump in health care costs in 2003, survey says
For the fourth consecutive year, large employers will experience a double-digit increase in their health care costs.
December 7, 2009
Hartford BIC home company page discounts coverages
Know more about Hartford home insurance company. Explore types of coverages and discounts offered by Safeco Home Insurance.
March 8, 2021
Safeco Home Insurance
Know more about Safeco home insurance company. Explore types of coverages and discounts offered by Safeco Home Insurance.
March 8, 2021
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