All 50 states except for New Hampshire require vehicle owners to have liability insurance if they ever drive the automobile. Additional options include collision and comprehensive coverage. Many people opt out of comprehensive. They believe the odds are slim they will ever experience an incident that this insurance covers. It's important to consider this decision carefully because opting out of comprehensive carries the risk of a major expense. Collision Coverage Collision car insurance pays for repairs to the policyholder's vehicle when this person is responsible for the incident.

The past year has been a strange one in which everyone felt the effects of lockdowns and closures. The insurance industry was no exception, with many systems transitioning to online work, reducing the need for agents and assistants to be in the office. One issue that received a reprieve at first was licensing and licensing renewal; New York extended the time agents had to renew licenses, but eventually the expirations had to be taken care of, and agents are now required to complete continuing education classes and renew licenses as expected.