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Aarti Mane

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Aarti Mane is an insurance researcher and content editor at Insurance Guide Book. He specializes in auto insurance, home insurance, Medicare, business insurance, and consumer protection topics. His content is based on publicly available government resources, industry publications, and insurance regulations.

Does Car Insurance Cover Damage From Road Rage Incidents?

Introduction Road rage incidents have become an increasing concern for drivers across the United States and many other countries. Aggressive driving behaviors such as tailgating,...

Hospital Indemnity Insurance: Is It Worth Buying Alongside Major Medical Coverage?

Introduction Health insurance plays a critical role in protecting individuals and families from expensive medical bills. However, even comprehensive major medical insurance plans often leave...

The Impact of AI on Claims: Will 2026 algorithms settle your car accident claim in minutes or hours?

Artificial intelligence (AI) is rapidly reshaping the insurance industry, and one of its biggest impacts is on the claims process. In the past, filing...

Airbnb & Short-Term Rental Insurance: Why your standard home owners policy will likely deny a guest injury claim.

Standard homeowners insurance is designed for personal residential use, not business activities. When you accept payment for lodging, insurance companies typically classify this as...

Life Insurance for High-Risk Occupations: How pilots, divers, and high-rise construction workers can get standard rates.

Securing life insurance at standard rates while working in a high-risk occupation requires demonstrating that your specific role, safety protocols, and experience mitigate the...

Short-Term Health Insurance: Pros and cons of “Bridge” coverage for digital nomads.

For digital nomads, short-term health insurance—often called "bridge" coverage—is designed to fill gaps in protection when transitioning between long-term plans, moving between countries, or...

Medicare Part D “Donut Hole” in 2026: New changes to prescription drug out-of-pocket caps.

Starting in 2025 and continuing through 2026, the Medicare Part D "Donut Hole" (the coverage gap) has effectively been eliminated due to the Inflation...

Rideshare Insurance for Uber/Lyft: Does your personal policy’s “Rideshare Rider” cover “Period 1” (app on, no passenger)?

Yes, adding a "Rideshare Rider" (or Rideshare Endorsement) to your personal auto insurance policy is specifically designed to cover you during Period 1 (app...

Tesla & EV Insurance Hikes: Why repair costs are driving premiums up and how to find specialized EV insurers.

Real-World Example: How EV Repair Costs Affect Insurance Premiums Consider a Tesla Model Y owner involved in a minor parking-lot accident. While the visible damage...

Non-Owner Auto Insurance: How to stay covered if you primarily use Turo or Zipcar in major cities.

Non-owner auto insurance is a specialized liability policy designed for individuals who drive frequently but do not own a vehicle. For consistent users of...

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