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Insurance provides financial protection by covering risks like accidents, health issues, or property loss, helping individuals and businesses manage uncertainty.

Forbes contributors publish independent expert analyses and insights. I write about investing, insurance, and financial intermediaries. Dec 18, 2023, 06:43am EST This article is more than 2 years old.

Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny ...

Auto insurance helps protect drivers from unexpected costs, and providers help hedge their bet by charging cheaper premiums for “low-risk” drivers and higher premiums for “high-risk” drivers. U.S. car ...