I have worked in the insurance industry for a number of years, and in that time have spoken with countless people involved in a car accident. While I have always been able to give them advice based on my professional opinion, I have never been able to speak from experience. Until now.

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Thanks to technology and public-awareness campaigns (don’t text and drive!), driving has become safer over the past few years. So why have auto insurance rates generally been trending upward? You would think that having safer vehicles, with all the safety bells and whistles, would decrease insurance costs, right? Think again.

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