Episode Details

Starting July 1, new auto insurance rules let drivers pick optional coverage—like income replacement and caregiver support—once standard. While the government says this boosts choice, critics warn financially strained drivers may skip these protections for small savings, risking huge out-of-pocket costs after accidents. With potential savings of just $100 a year, many could end up seriously underinsured. The move’s framed as personalization, but advocates fear it’s really a win for insurers over drivers.

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