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Aug 14 2025

Home Insurance

Does Home Insurance Cover Tree Removal?

Fallen trees are more than just an eyesore, they can cause serious property damage, block access, and even create safety hazards. When a tree comes down on your property, you may wonder if your home insurance ... Read More

Aug 7 2025

Auto Insurance

Does Auto Insurance Cover a Cracked Windshield?

A cracked windshield may not seem like a big deal at first, but it can quickly become a safety hazard and an expensive repair. It might start as a tiny chip from road debris and spread ... Read More

Jul 31 2025

Insurance

7 Construction Insurance Types Every Contractor Needs to Know

Running a construction business comes with risks at every stage, from equipment damage to worker injuries and project delays. Having the right insurance policies in place is critical to protect your business, your team, and your ... Read More
semi truck insurance cost

Jul 25 2025

Insurance

What Does Semi Truck Insurance Cost?

It’s impossible to give a definitive answer to the question, “How much is semi truck insurance?” The reason for this is commercial truck insurance costs vary widely and depend on several different factors. As I’m sure ... Read More

Jul 24 2025

Auto Insurance

Does Car Insurance Cover Hail Damage?

When a hailstorm hits, your car can be left with serious dents, cracked windows, or even extensive body damage. The cost of repairs can add up fast. If you’re like most drivers, your first question after ... Read More
how much does it cost to tow a car

Jul 20 2025

Auto Insurance

How Much Does It Cost to Tow a Car if I Call a Tow Truck Company?

Click Here To Get a Tow Now  When you find yourself in need of a tow, which isn’t something you hope you don’t need on a recurring basis, it’s often difficult to understand what the average ... Read More

Jul 17 2025

Home Insurance

Does Home Insurance Cover AC Units?

If your air conditioner breaks down, your first question might be whether your home insurance covers the cost of repairs or replacement. After all, an AC unit isn’t cheap, and when it stops working in the ... Read More

Jul 10 2025

Insurance

Term vs Permanent Life Insurance: What You Need to Know Before You Choose

Choosing a life insurance policy isn’t just about checking a box. It’s about making sure your loved ones are financially protected in the event of the unexpected. And if you’ve started shopping for coverage, chances are ... Read More
Jim Lloyd InsuranceHub

Jul 2 2025

Current Events

Honoring Jim Lloyd: 40 Years of Leadership, Legacy, and Laughs

Today we celebrate more than just a retirement. We celebrate a legacy. After four decades of hard work, heart, and a whole lot of humor, our founder and leader Jim Lloyd is officially stepping into retirement. ... Read More
home insurance quotes

Jun 30 2025

Home Insurance

What to Look for When Shopping for Home Insurance

Your home is one of your most valuable investments, both financially and emotionally. It’s where your life happens, where your family grows, where you rest, and where you keep the things that matter most. Protecting that ... Read More

Jun 24 2025

Insurance

Insurance Claim Tips for Water Damage

Dealing with water damage is stressful enough. From ruined floors and soggy drywall to the risk of mold, it can feel like your home, and your peace of mind, are under attack. And when you’re trying ... Read More
cdl cost

Jun 17 2025

Insurance

How Much Is Tractor Trailer Insurance in 2025?

Trucking is the backbone of American commerce. But whether you’re an independent owner-operator or manage a growing fleet, one cost you can’t ignore is tractor trailer insurance. It’s not just a legal requirement — it’s a ... Read More

Jun 10 2025

Auto Insurance

How Much Car Insurance Do I Need?

Buying car insurance isn’t just a box to check, it’s a critical part of protecting yourself, your finances, and your vehicle. But when you’re faced with terms like liability, comprehensive, and uninsured motorist coverage, it can ... Read More

Jun 3 2025

Auto Insurance

Food Truck Insurance: What You Need and Why It Matters

Running a food truck combines the hustle of a small business with the mobility of a vehicle, and that means it comes with a unique set of risks. From kitchen fires and generator theft to collisions ... Read More
buy home

May 21 2025

Home Insurance

What No One Tells You to Do Before You Buy Your First Home

Buying your first home should be exciting—finally choosing paint colors, imagining your furniture in each room, and planting roots. But let’s be honest—it can also feel like stepping into a maze you didn’t even know existed. ... Read More

May 14 2025

Home Insurance

Down Payment vs. Closing Costs: What Homebuyers Need to Know

Why buying a home is more than just “having some money saved.” So you’ve decided to buy a house—congrats! 🏡 You’ve been saving like crazy, skipping lattes, selling random stuff on Facebook Marketplace, and maybe even ... Read More
cargo theft prevention

May 7 2025

Insurance

Lower Cargo Theft Risk & Insurance Premiums with a Physical Security Audit

Conducting a physical security audit of your fleet’s truck and trailer locks can significantly reduce your chances of theft and cargo loss. Even more, implementing improvements based on audit findings can help reduce your truck insurance ... Read More
garbage truck driver

Apr 25 2025

Transportation

Garbage Truck Driver Requirements: Avoid Common Setbacks

Operating a garbage truck is a demanding yet rewarding profession that requires specific skills, qualifications, and adherence to rigorous safety guidelines. Garbage truck drivers play a crucial role in maintaining community sanitation, working diligently through varying ... Read More

Apr 10 2025

Insurance

Protecting Your Trucking Business After an Accident: The Legal Steps of a Truck Accident Claim

You’ve been driving your truck for eight years without an accident. Then, out of nowhere last December, another vehicle sideswipes you, causing $15,000 in damage to your tractor. Your specialized equipment is now out of commission, ... Read More
travelers homeowners insurance

Apr 4 2025

Home Insurance

Is Travelers the Best Choice for Your Home Insurance? Let’s Break It Down

Let’s be real: picking the right homeowners insurance can feel overwhelming. You’re not just buying a piece of paper—you’re buying peace of mind. Whether it’s protecting your family home, a summer retreat, or a high-value property, ... Read More

Mar 27 2025

Insurance

Why Physical Damage Insurance Matters for Your Semi Truck

If you’re behind the wheel of a semi truck, you already know the sacrifices you’ve made to get here. Long hours, tight schedules, and the constant pressure to deliver. Your truck isn’t just a vehicle — ... Read More
motor truck cargo insurance cost

Feb 27 2025

Insurance

Breaking Down the Cost of Motor Truck Cargo Insurance

In the world of trucking, moving goods from one point to another is a daily operation. Truck drivers and companies take every possible precaution to ensure cargo reaches its destination safely. However, accidents, thefts, and natural ... Read More
high value home insurance

Feb 6 2025

Home Insurance

What Makes a Home “High-Value” for Insurance?

Owning a luxury home is a source of pride, but it also comes with unique challenges. Standard homeowners insurance simply doesn’t provide the level of protection needed for high-value homes, leaving many homeowners underinsured. If you’ve ... Read More
You can protect your business with cargo insurance.

Jan 31 2025

Insurance

What is Motor Truck Cargo Insurance and Why Do You Need It?

As a trucker, you face numerous risks every time you hit the road. Some dangers, like accidents, severe weather, and mechanical failures, are easy to recognize. However, one often-overlooked risk is the potential loss or damage ... Read More
Prevent motorcycle theft

Jan 23 2025

Auto Insurance

Stop Motorcycle Theft Before It Happens: Essential Security Tips

Cruising down the open road on your bike beats being stuck in a car any day. But as much as you enjoy the freedom of riding, your motorcycle is a valuable investment—and you’d be heartbroken if ... Read More
If you have comprehensive coverage, you're covered if you hit a deer.

Jan 10 2025

Auto Insurance

Will Your Car Insurance Cover You If You Hit a Deer?

It’s a scenario no driver wants to face—a deer suddenly darts into the road, leaving you with little time to react. You don’t want to hit it, but swerving could lead to even worse consequences. If ... Read More
garbage truck insurance

Jan 3 2025

Insurance

Are There Special Requirements for Garbage Truck Insurance?

Operating a garbage truck comes with its fair share of challenges, from maintaining compliance with regulations to ensuring your fleet is properly insured. If you’re navigating the world of garbage truck insurance, you’re likely feeling the ... Read More
starting a non cdl box truck business checklist

Dec 12 2024

Insurance

The Comprehensive Checklist for Starting Your Own Non-CDL Box Truck Business

Starting a non CDL box truck business is exciting but can feel like navigating a maze. There are many steps to take and tasks to complete—from permits and financing to insurance and operations. If you’re feeling ... Read More
truck cargo insurance

Dec 6 2024

Insurance

Steps to File a Motor Truck Cargo Insurance Claim

When you’ve worked hard to secure a reliable trucking operation, discovering that your cargo is damaged or lost can feel like a punch to the gut. The stress of trying to recoup your losses through your ... Read More
Repairs and insurance

Nov 22 2024

Auto Insurance

Do I Have to Use Insurance Money for Repairs?

You’ve filed a claim, gone through the assessment process, and finally, your insurance company has issued a check for the damages. But now you might be wondering—do you really have to use that money for its ... Read More
cargo hauling

Nov 14 2024

Transportation

What Are the FMCSA Requirements for Hauling Cargo?

Managing cargo hauling involves more than just getting freight from point A to B. For many trucking companies, the weight of FMCSA compliance requirements can feel overwhelming. It’s a balancing act, and one misstep could mean ... Read More
hazmat insurance

Nov 7 2024

Insurance

Steps to Train Your Drivers for Hazmat Transport and Insurance Savings

If you’re responsible for transporting hazardous materials, you know the weight of that responsibility—both in safety and compliance. The regulations, the constant oversight, and the fear of something going wrong can feel like a lot. And ... Read More
box truck insurance

Oct 24 2024

Insurance

Box Truck Insurance: What You Need to Know to Protect Your Business

Box trucks are a vital asset for many businesses, playing an essential role in the supply chain. Whether delivering furniture, moving goods for a courier service, or transporting construction materials, box trucks are used daily to ... Read More
Interstate vs intrastate trucking

Oct 17 2024

Insurance

The Difference Between Intrastate vs. Interstate Trucking

If you own a trucking business, your vehicles travel a lot of ground. Some trips stay within one state’s borders, while others cross state lines or even international borders. In the trucking world, two terms often ... Read More
non trucking liability

Oct 10 2024

Insurance

The Hidden Risks Without Non-Trucking Liability Insurance

Running a trucking business isn’t easy, and every decision made impacts not only your fleet but your financial stability too. If you’re a trucking business owner or a driver, you’ve probably taken all the necessary steps ... Read More
how much does a semi truck cost

Sep 20 2024

Transportation

How Much Does a Semi Truck Cost? Factors That Affect the Cost

Semi trucks, also known as tractor-trailers or big rigs, are the backbone of the transportation industry. They play a crucial role in moving goods across long distances, keeping supply chains running smoothly. If you’re considering investing ... Read More
occupational accident insurance policy

Sep 12 2024

Insurance

Why Truckers Need an Occupational Accident Insurance Policy

Long hours, unpredictable weather, heavy loads, and endless miles—being a trucker comes with unique challenges that most jobs don’t have. You’re not just worried about traffic or deadlines; there’s a constant thought in the back of ... Read More
errors and omissions insurance Georgia

Sep 5 2024

Insurance

The Role of Errors and Omissions Insurance in Georgia Trucking

Running a trucking business in Georgia comes with a unique set of challenges. From navigating the ever-changing road conditions to ensuring the safety of cargo, there’s already a lot on your plate. And then, there’s the ... Read More
geico trucking insurance

Aug 29 2024

Insurance

GEICO Trucking Insurance: A New Option for Truckers with InsuranceHub

We’re thrilled to announce that InsuranceHub is one of the select agencies now offering GEICO trucking insurance, an exciting new option for owner-operators and small motor carriers. With GEICO joining our lineup, there’s a fresh opportunity ... Read More
how to start a non cdl hot shot business

Aug 23 2024

Transportation

How to Start a Non-CDL Hot Shot Business: A Comprehensive Guide

Hot shot trucking is an industry full of opportunities, especially for those looking to start a non-CDL hot shot business. If you’re ready to take the plunge, this guide will walk you through the essential steps ... Read More
fuel tanker insurance

Aug 15 2024

Insurance

Tips for Maximizing Your Fuel Tanker Insurance Coverage

Running a trucking business with fuel tankers comes with its own set of challenges. You’re not just managing a fleet—you’re carrying highly flammable and valuable cargo, navigating strict regulations, and ensuring the safety of your drivers. ... Read More
hotshot trucking insurance

Aug 8 2024

Insurance

Strategies for Reducing Your Hotshot Trucking Insurance Rates

Running a hotshot trucking business is tough enough without the constant worry of high insurance costs. As a hotshot trucker, you’re likely juggling tight deadlines, long hours on the road, and the stress of managing expenses. ... Read More
start a tow truck business

Jul 19 2024

Insurance

How to Start Your Own Tow Truck Business

You’ve made up your mind – you want to start a tow truck business. Congratulations! There’s definitely freedom in being your own boss, and knowing that you built something is very satisfying. Now, towing is not ... Read More
life insurance for truck drivers

Jul 12 2024

Insurance

Affordable Life Insurance for Truck Drivers

Being a truck driver is tough. Long hours on the road, dealing with bad weather, and the constant stress of meeting deadlines. You face risks every day that most people never think about. But beyond those ... Read More
log truck insurance

Jun 28 2024

Insurance

Smart Moves to Lower Your Log Truck Insurance Costs

If you’re running a log truck business, high insurance costs are likely a major concern. Balancing the need for good coverage with the goal of keeping expenses manageable can seem like an endless battle. Many log ... Read More
non cdl hotshot insurance cost

Jun 20 2024

Insurance

Smart Strategies to Lower Your Non CDL Hotshot Insurance Cost

Running a non-CDL hotshot business is challenging enough without the burden of high insurance costs. We get it—balancing the need for comprehensive coverage with the desire to save money can feel like walking a tightrope. Many ... Read More
non cdl box truck insurance

Jun 14 2024

Insurance

Mastering Non-CDL Box Truck Insurance Shopping

Running a non-CDL box truck business comes with its fair share of challenges, especially when it comes to finding the best insurance coverage at the lowest rates. You’re not alone in feeling overwhelmed by the options ... Read More
dry van

Jun 7 2024

Insurance

What’s a Dry Van Used For?

A dry van, also known as a semi truck, is one of the most common modes for transporting freight across the country. These trucks have a large enclosed trailer meant to carry dry, non-perishable goods. Trucking ... Read More
physical damage insurance for truck

May 24 2024

Insurance

Top Reasons to Get Physical Damage Insurance for Your Truck

Owning and operating a truck is no small feat. The stress of maintaining its condition, the constant worry about potential damage, and the financial burden of repairs can weigh heavily on your mind. You’re not alone ... Read More
Your DOT Number

May 17 2024

Transportation

Avoid Common Pitfalls with Your DOT Number

With trucking insurance, your DOT Number can make or break you. Several factors influence your insurance rates, but your DOT score plays a significant role. Issues in SAFER listings and out-of-service (OOS) orders can cause trouble ... Read More
Get contractor insurance

How to get contractor insurance

Dec 12, 2019

Whether you’re a 1099 worker or you own your own contracting company, you know that there are tons of risks to worry about in your industry. There are also tons of regulations and expectations from your … Read More

Choose a contractor

How to choose a contractor

Dec 11, 2019

You might be thinking about doing some renovations to your home, or maybe your home needs some repairs. At any rate, you’ll need to hire a contractor. It can be stressful trying to find the right … Read More

How to improve in the Vehicle Maintenance BASIC

How to improve in the Vehicle Maintenance BASIC

Dec 10, 2019

The trucking world comes with a lot of regulations, especially when it comes to maintaining the truck itself. You and your drivers need to make sure you’re taking care of your vehicles and following all relevant … Read More

Holiday safety tips

10 tips for holiday safety

Dec 5, 2019

The holidays are supposed to be filled with fun and joy and cheer, but there are plenty of dangers that come along with them. Though the holidays can be an overwhelming flurry of activity, don’t forget … Read More

US DOT Number

Your DOT Number matters

Dec 4, 2019

Truck businesses with clean loss records might wonder why their insurance costs so much. Maybe there aren’t any speeding tickets accidents on your record, but you’re still seeing rates that are higher than what they could … Read More

Alabama Slow Down, Move Over rally

Attending the Slow Down, Move Over rally in Alabama

Dec 3, 2019

At the invitation of Wes Passmore, operator of Classic Towing and Recovery, I attended the Slow Down, Move Over rally in Hueytown, Alabama. The rally was held to bring awareness to the dangers of being a … Read More

Women in trucking

Women in trucking: How can you hire more women truck drivers?

Nov 27, 2019

The trucking industry has been facing a truck driver shortage, and some have proposed that hiring more women could be part of the solution to the problem. But despite the fact that there’s definitely room for … Read More

Prepare your home for winter

Get your home ready for winter

Nov 26, 2019

If you’re a homeowner, you probably dread anything happening to your house. (Houses are expensive!) The problem is that winter and its sometimes extremely cold weather can be hard on your house. It’s important to take … Read More

New venture

New venture doesn’t mean new driver

Nov 21, 2019

I have been writing transportation insurance for quite a while and one of the things that I hear most from my customers is, “Why is the premium so high when I am not a new driver?” … Read More

Belongings stolen from car

What happens if my belongings are stolen out of my car?

Nov 20, 2019

If you walk out to your car to find a smashed window, you’re probably understandably frustrated. Why would someone do this? And to add insult to injury, the thief stole some belongings out of the vehicle. … Read More

Air conditioning contractors

What air conditioning contractors need to know about risk

Nov 19, 2019

Air conditioning contractors handle many different kinds of work. You might install or repair AC units, or maybe you do duct work and vent work. You might work with air filtration and ventilation, or perhaps you … Read More

how much does it cost to tow a car

10 things tow truck drivers want their customers to know

Nov 14, 2019

Tow truck drivers have a tough time – not just because of the dangers of assisting others, but because of the lack of widespread knowledge about their trade. Therefore, we took to Reddit to ask the … Read More

CSA

Understanding the CSA in trucking

Nov 13, 2019

If you’re a trucking business, you know that there are a lot of regulations you need to follow – and a lot of organizations and programs you need to know about. Safety is a big deal, … Read More

Here are a few auto insurance FAQs.

10 auto insurance FAQs

Nov 12, 2019

If you’ve got a driver’s license, you might just have a car to go with it. It’s kind of a peanut butter and jelly situation. But if you have a car, there’s something else you’ll need. … Read More

Used car lot risks

Managing the risks of having a used car lot

Nov 7, 2019

If you have a used car lot, there’s a lot going on during the day. You’ve got vehicles, you’ve got customers, you’ve got employees, maybe you’ve even got a repair shop or facility. In short, there’s … Read More

How can home insurance help in winter?

How can home insurance help during the winter?

Nov 6, 2019

Winter is almost here, and that means there could be a lot of snow, ice, sleet, and so on. So, with the coldest season of the year just around the corner, you might be wondering about … Read More

Setting up a Google My Business page

How to set up your Google My business page

Nov 5, 2019

One of the easiest ways to market your business and ensure that your potential clients find their way to the right place is to set up a Google My Business Page. Of course, Google makes it … Read More

Tools to help with a tow

2 tools to help with hooking up a car for a tow

Oct 31, 2019

As a tow truck operator, you’ve seen a lot of cars and sticky situations. But sometimes, there’s a driver with a car model that you’re not too familiar with. You don’t want to risk damaging the … Read More

Clearinghouse

8 FAQs about the FMCSA Clearinghouse

Oct 30, 2019

Truckers are expected to adhere to a lot of regulations. One of the big “breaking news” events in the trucking world as far as regulations are concerned is the Clearinghouse. There’s a lot about the Clearinghouse … Read More

Tips for hiring contractors

4 tips for hiring contractors

Oct 29, 2019

If there’s something going on with your home, you need to have someone fix it. That person might be a contractor who knows how to do home repairs or improvements. You want to make sure you … Read More

What you need to know about ELDs

8 things you need to know about ELDs

Oct 24, 2019

Truckers are subject to many rules, and one of the latest regulations to make a buzz in the trucking world is ELDs. The ELD rule is a big deal, and though it’s been in effect for … Read More

What to do if you get an FMCSA warning letter

What to do if you get a warning letter from the FMCSA

Oct 23, 2019

The FMCSA (Federal Motor Carrier Safety Administration) is tasked with keeping the roads safe, and they regulate motor carriers and commercial vehicles. Since they’re focused on upholding safety standards, they’re able to intervene if those standards … Read More

Practical tips to get ready for Halloween

11 practical tips for Halloween

Oct 22, 2019

Halloween is a lot of fun, and it’s a day that kids and adults alike love. Costumes, candy, spooky decorations – what’s not to love? While it’s easy to get swept up in all the Halloween … Read More

What if a friend borrows your car?

What happens if a friend borrows my car?

Oct 16, 2019

So, sometimes you might have a good friend who wants to borrow your car. Maybe they’ve got some errands they have to run, or maybe they need it because their car is in the shop or … Read More

Prevent truck theft

8 tips to prevent truck theft

Oct 15, 2019

So, everyone wants to think that their truck is safe and sound. It’s a truck – who would steal a truck? Well, a lot of people. Truck theft is more common than one might want to … Read More

What are the trucking BASICs?

What are the trucking BASICs and why are they important?

Oct 10, 2019

When you work in trucking, you’re subject to many, many regulations. The goal of these regulations is to keep the roads safe for all drivers – CMV drivers and passenger cars alike. That’s the reason that … Read More

Angie Cooper

Meet Angie Cooper, one of our amazing Senior Account Managers!

Oct 9, 2019

We’re all one big family at InsuranceHub, and we’re so glad that we get to work together as a team. There are a lot of us in the office, and we’ve all proved in one way … Read More

Lower your liability risk

How can homeowners lower their liability risk?

Oct 8, 2019

The word lawsuit is enough to strike fear into anyone’s heart. No homeowner wants to think about being sued, or about someone getting hurt on their property. But the reality is that these things happen, and … Read More

Standard insurance carriers

7 factors standard insurance carriers look for when insuring a property

Oct 3, 2019

If you’re a property manager, chances are you speak insurance like a second language. It’s something that you’re used to dealing with, so you know the coverages and you understand the risks you need to be … Read More

Some of our team are heading to the annual MCIEF meeting.

InsuranceHub team members headed to MCIEF meeting in Orlando

Oct 2, 2019

At InsuranceHub, we believe in continuing education. Insurance is a constantly changing industry, and we like to stay up-to-date on the latest trends, technologies, and knowledge. There’s always something to learn about insurance, especially when it … Read More

What if someone drives into your house?

Am I covered if someone drives into my house?

Oct 1, 2019

So, it might seem like a far-fetched scenario – what if someone drives into your house? (How could that even happen?) But it’s something that happens more than one might expect. People accidentally drive into houses … Read More

Does your business need a USDOT Number?

Who needs a USDOT Number?

Sep 26, 2019

When it comes to trucking, there’s a lot of “paperwork” (rather, forms and such) to take care of. One big thing that you need to take care of is your USDOT Number. It might seem a … Read More

Bundling commercial insurance policies

Benefits of bundling commercial insurance

Sep 25, 2019

If you’re the owner of a business, you’ve got plenty to deal with on a day-to-day basis. Running a business is hard work. One thing that you might not particularly relish dealing with is insurance. There … Read More

What happens if a guest causes damage?

What happens if a guest causes damage to your home?

Sep 24, 2019

So, having people come over to visit is a lot of fun. Family and friends are oftentimes welcome guests, and it can be nice to spend time with people you care about and relax a bit. … Read More

Strategies for property managers to explore to help with their insurance

Property managers: 5 insurance tips for older buildings

Sep 18, 2019

Property owners and property managers are often veterans when dealing with insurance, so chances are you are familiar with the coverages you need. It comes with the territory. You understand the risks you face, and you … Read More

Are you covered if you hit a telephone pole?

Am I covered if I hit a telephone pole?

Sep 17, 2019

Getting behind the wheel of a car is one of the riskiest things we do on a regular basis. Though we’re used to driving and riding in cars and hopefully don’t feel afraid to do these … Read More

Find out about your business's loss run.

The importance of your truck business’s loss run

Sep 12, 2019

Tow truck and transportation insurance rates are a major concern for drivers and business owners. The goal is to get good coverage at a good rate. But to do that, you have to understand what affects … Read More

Operating authority

Do I need operating authority for my trucking business?

Sep 11, 2019

Trucking businesses are subject to many government regulations. It can be tough to keep everything straight and decipher the law-speak of these regulations. One important thing about transportation that you should know about is operating authorities. … Read More

Does home insurance cover storm damage?

Does home insurance cover storm damage?

Sep 10, 2019

Storms can be very scary – the force and wrath of Mother Nature is not to be trifled with. If you have to weather a storm, you might be wondering how you can put your home … Read More

Does car insurance cover a hit and run?

Does car insurance cover a hit and run?

Sep 5, 2019

Thunk. Even if the jolt and the sudden lurch forward wasn’t enough to alert you to the fact that you’ve been rear-ended, the unmistakable sound would. You take a deep breath to steady your nerves, taking … Read More