When insurance companies and repair shops can’t agree, it’s often the driver who loses. And as a key consumer protection quietly disappears from some auto policies, that problem could get even worse.

Drivers with accidents, speeding tickets or DUI convictions pay some of the highest rates for car insurance of any demographic. A single at-fault collision, for example, can spike your premiums 45%.

Learn how an umpire clause resolves insurance disputes with third-party decision-making. Find out how it works when you and your insurer can't agree on a claim.

Have you ever negotiated a great price on a new car only to get hit with a surprise increase in your insurance bill? “Cars that are common, affordable, and reliable with solid safety and anti-theft ...