Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny ...

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Auto insurance helps protect drivers from unexpected costs, and providers help hedge their bet by charging cheaper premiums for “low-risk” drivers and higher premiums for “high-risk” drivers. U.S. car ...

As a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking ...