I was involved in an accident and the police officer didn't charge me with anything. This means that my insurance company will not increase my rates because of the claim, right?

The scenario: You're in another city on business and rented a car for the week. After a meeting, you've returned to the spot where you parked the car only to discover it's gone. Turns out somebody stole the car. You're already picturing the fit the customer service representative is going to have when you go back to the rental location to explain ...

You may have heard of this recent happening: a driver in Kitchener, Ont. is facing seven charges in a stunt-driving investigation. Doing 145 km/h in a 90 km/h zone, the driver, in a sedan, is facing charges that include stunt driving (driving at a rate of over 50 km/h), speeding in a 90 km/h zone, driving with a blood alcohol concentration level over zero (he was a Class G2 licence holder), producing false evidence and knowingly having false insurance.

If you drive a car, then it's inevitable: you probably have a couple of bad habits. Nobody's perfect and while it's tempting to start multitasking, speed or even try to finish getting ready for work in the car, know that you could be setting yourself up for trouble.

You've been slapped with a fine for a driving infraction, now what? Should you just pay the ticket and forget about it? What about demerit points and how they will affect your driving record, not to mention your auto insurance rate?

In May 2009's Insider, you'll find How bad driving penalties affect your rate: Bad driving penalties can send your insurance rate skyrocketing. Here's what you need to know. Legal or illegal? Driving without your glasses, talking on your cell phone, driving without insurance - find out what's...

The scenario: You've been in an accident where the other driver is found to be at fault. Your policy covers you for up to $1,000,000; theirs covers them for $200,000. The case goes to court and you're awarded $500,000 now what? The court will award you a judgment of $500,000, taken against the at fault driver who caused the accident. Even though the at fault driver who caused the accident only has $200,000 worth of liability insurance, your insurance company will pay the remaining balance of $300,000.