The National Transportation Safety Board (NTSB) added distracted driving to its 2013 “most wanted list,” and 35 states have passed laws banning cellphone use while driving. According to the U.S. Department of Transportation, 16 percent of all distracted driving crashes involve drivers under the age of 20. If you or a loved one has been…

You were in an auto accident. You have insurance. So you are covered…right? Well, maybe. Auto insurance policies contain multiple coverages. Each coverage serves a specific purpose. If your accident involves more than two vehicles, high damages or two vehicles insured by the same company, sorting out insurer roles can be tricky. This problem is…