Consumer Corner
Tackling Auto Insurance Myths: Misconceptions Drivers Should Know Before Making Coverage Decisions
Misinformation about auto insurance can lead to poor decisions. Mercury Insurance highlights common myths, such as negotiable premiums and misconceptions about coverage. Understanding realities helps consumers make informed choices, enhancing their confidence in selecting the right insurance policy.
Last Updated on March 4, 2026 by Daily News Staff
(Family Features) Misinformation about auto insurance continues to circulate, leading many drivers to make decisions based on outdated or inaccurate assumptions.
“Even savvy drivers can be misled by insurance myths,” said Justin Yoshizawa, director of product management at Mercury Insurance. “Understanding what coverage actually does – and doesn’t – do can help people avoid unpleasant surprises after an accident.”
To help consumers stay informed, Mercury Insurance is sharing this lineup of auto insurance misconceptions that can affect coverage, cost and peace of mind – and the facts that stand in their place.
Myth No. 1: You Can Negotiate Your Auto Insurance Premium
Fact: Insurance rates aren’t like haggling for a car price. They’re calculated using approved rating formulas and risk models regulated by state insurance departments, so you can’t negotiate a lower rate directly with your carrier. What you can do is shop for discounts, adjust coverage levels or improve your risk profile to influence your premium.
Myth No. 2: You Don’t Need Medical Payments Coverage ifYou Have Health Insurance
Fact: Even if you carry health insurance, your auto policy’s medical payments or personal injury protection can still be valuable. These coverages may pay medical costs regardless of fault and can help cover expenses not covered by health insurance, including deductibles, co-pays, ambulance bills, lost wages and more, depending on state regulations.
Myth No. 3: Full Coverage Means You’re Covered for Everything
Fact: “Full coverage” is a common shorthand used to describe a policy that includes liability, comprehensive and collision coverage. Even with all three, coverage is still subject to limits, deductibles and exclusions, which means certain situations and expenses may not be covered unless additional protections are added.
Myth No. 4: All Insurance Companies are Basically the Same
Fact: Each insurer has different underwriting guidelines, risk models, discount structures, service levels and claims handling practices. Shopping only on price without comparing coverages and service reputation can lead to surprises when you need to file a claim.
Myth No. 5: A Not-At-Fault Accident Won’t Affect Your Rates
Fact: Even if you weren’t at fault, filing a claim can still influence your insurance score and possibly affect future pricing depending on your state and your carrier’s specific rating rules. Discuss the scenario with your agent before deciding whether or not to file.
Myth No. 6: New Cars are Always More Expensive to Insure
Fact: A new car often costs more to insure than an older one, but this isn’t automatic. A new vehicle with high-end safety features or strong crash-worthiness and theft-deterrent systems may be less expensive to insure than a different used model with poor safety ratings or costly repair costs.
Myth No. 7: Insurance Automatically Pays for a Rental After an Accident
Fact: Rental car reimbursement is an optional add-on. Unless you specifically select rental reimbursement coverage, your auto policy won’t pay for a temporary vehicle while yours is being repaired.
Myth No. 8: If Your Car is Totaled, Insurance Pays Off Your Loan or Lease
Fact: Car insurance settlement is based on the vehicle’s actual cash value at the time of loss, not what you originally paid – meaning depreciation can leave you owing money on your loan or lease even after a total loss. Gap insurance is a separate optional coverage that can help cover the difference.
“Dispelling myths is about more than just good information – it’s about building insurance confidence,” Yoshizawa said. “We want drivers to make choices based on reality, not rumor.”
To learn more and ensure coverage aligns with how and where you drive, visit MercuryInsurance.com.
Photos courtesy of Shutterstock
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Last Updated on May 13, 2026 by Daily News Staff
A Healthier, Greener Home: Eco-Friendly Cleaning Hacks
(Feature Impact) Keeping your home clean doesn’t have to mean filling your cabinets with harsh chemicals or single-use cleaning products. In fact, some of the most effective solutions may already be in your pantry.
By swapping a few everyday products for simple, eco-friendly solutions, you can clean effectively, save money and make your home a little greener. If you’re looking to reduce waste, cut back on toxins and simplify your cleaning routine, natural ingredients like vinegar, baking soda and lemon can deliver results while also being safer for your home – and the environment.
Make Your Own All-Purpose Cleaner
Instead of buying multiple cleaners for different surfaces, try a DIY solution that works in many areas of the home. In a spray bottle, combine 1 cup white vinegar, 1 cup water and 10 drops of the essential oil of your choice – such as lemon, lavender or tea tree – then use it on countertops, sinks, glass and other surfaces to curb grease and grime. Avoid using vinegar-based cleaners on natural stone like granite or marble, however, as its acidity can cause damage.
Let Baking Soda Do the Scrubbing
One of the most versatile eco-friendly cleaners around, baking soda acts as a gentle abrasive that helps lift stains without scratching surfaces. Simply sprinkle baking soda onto sinks, bathtubs, cookware, stovetops or tile grout then scrub with a damp sponge or cloth for a sparkling clean finish.
Freshen Carpets Naturally
Carpets and rugs can trap odors, but a DIY deodorizer made of 1 cup baking soda and 10-15 drops of the essential oil of your choice can replace chemical sprays and keep floor surfaces smelling fresh. Just sprinkle across the carpet, let sit for 15-20 minutes then vacuum.
Use Lemon to Cut Grease and Stains
Lemon juice is a powerful natural cleaner due to its acidity and antibacterial properties. It can leave behind a fresh scent when used to clean cutting boards, remove soap scum and water spots or deodorize garbage disposals. For stubborn grime, mix lemon juice with baking soda to create a paste that can tackle tough surface stains.
Naturally Deodorize Drains
If your kitchen sink smells unpleasant, skip the harsh chemical drain cleaners. Pour 1/2 cup baking soda down the drain then add 1/2 cup white vinegar. Let the mixture fizz a few minutes then flush with hot water to help loosen buildup while neutralizing odors.
Polish Stainless Steel with Pantry Staples
Remove grimy fingerprints and give stainless steel appliances a streak-free shine with a simple mixture of 1 tablespoon white vinegar and 1 tablespoon olive oil.
Find more DIY, eco-friendly cleaning tips and tricks at eLivingtoday.com.
Photo courtesy of Shutterstock
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Consumer Corner
Frustration at the Pump: Why Americans are Exploring Electric Vehicles
Exploring Electric Vehicles: For more than one-third of Americans, one simple number is leading them to research electric vehicles: the final tally at a recent gas station fill-up. The pump is no longer just the close of a sale; for a growing number of drivers, it’s where questions begin.
Frustration at the Pump: Why Americans are Exploring Electric Vehicles
(Feature Impact) For more than one-third of Americans, one simple number is leading them to research electric vehicles: the final tally at a recent gas station fill-up.
This, according to new research from Hyundai Motor America, isn’t a hypothetical situation. In fact, 23% of respondents reported it’s happened to them more than once. For nearly half of Americans, pulling up to the pump now brings frustration or outright dread.
Many drivers have a number in mind where the math begins shifting, and once the shift happens, it rarely goes away. The pump is no longer just the close of a sale; for a growing number of drivers, it’s where questions begin.
For 23% of those surveyed, $5 per gallon is where they would start considering alternatives to a gas-powered vehicle. While some say they wouldn’t consider alternatives based on gas costs at all, this meaningful share of Americans points toward a specific tipping point.
Some begin by comparing models or brands while others find themselves on an automaker’s website, further along in the process than they initially expected to be. Most don’t act on this impulse right away, but drivers are increasingly caught somewhere between curious and committed – and 46% of those surveyed said they’d be likely to seriously research an EV.
The desire to leave the pump behind, which an EV would allow for, is a deal nearly half of respondents said they would take. However, the transition isn’t frictionless as charging access and range anxiety remain the top concerns for 28% of potential buyers.
While the move toward electric vehicles is often framed as a long-term decision made with spreadsheets and financial planning, for many Americans, it’s beginning somewhere smaller: a routine fuel stop and an eye-opening receipt.
If you’ve found yourself dismayed at the pump, find more information on electric vehicles at HyundaiUSA.com.
Photo courtesy of Shutterstock
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Hyundai
Welcome to the Consumer Corner section of STM Daily News, your ultimate destination for savvy shopping and informed decision-making! Dive into a treasure trove of insights and reviews covering everything from the hottest toys that spark joy in your little ones to the latest electronic gadgets that simplify your life. Explore our comprehensive guides on stylish home furnishings, discover smart tips for buying a home or enhancing your living space with creative improvement ideas, and get the lowdown on the best cars through our detailed auto reviews. Whether you’re making a major purchase or simply seeking inspiration, the Consumer Corner is here to empower you every step of the way—unlock the keys to becoming a smarter consumer today!
home improvement
Simple Ways to Make At-Home Recycling More Effective
To create a more eco-friendly household, consider these practical tips to help you reduce waste, stay organized and make at-home recycling part of your everyday routine.
Last Updated on May 12, 2026 by Daily News Staff
Simple Ways to Make At-Home Recycling More Effective
(Feature Impact) Recycling is a simple way households can reduce waste and help protect natural resources. While many communities offer curbside recycling programs, some people still wonder if they’re doing it correctly or if they’re missing opportunities to recycle more.
To create a more eco-friendly household, consider these practical tips to help you reduce waste, stay organized and make recycling part of your everyday routine.
Know What Your Local Program Accepts
Recycling rules vary depending on your city or waste management provider. Most curbside programs include items like cardboard, paper, aluminum cans and plastics, but others – such as glass – may require drop-off recycling. Review your community guidelines so recyclables don’t accidentally end up in the regular trash.
Create a Simple Sorting System
Set up clearly labeled bins – separated for paper, plastics and metals – in a high-traffic area like the kitchen, garage or laundry room.
Rinse Before You Recycle
Food residue can contaminate other recyclables and may cause entire batches of materials to be rejected during the recycling process. Quickly rinsing yogurt cups, jars or soup cans of leftover residue helps keep recycling streams clean and more likely to be processed properly.
Break Down Boxes
Cardboard boxes are among the most commonly recycled household materials. Flattening boxes before placing them in the recycling bin saves space and allows collection trucks to hold more.
Compost Food Scraps
Not everything belongs in the recycling bin, particularly food waste. Composting fruit peels, vegetable scraps, coffee grounds and eggshells is an easy way to reduce the amount of trash your household produces. Finished compost can be used in gardens, flower beds or houseplants, turning kitchen waste into a valuable resource.
Find more ideas for making recycling a natural part of your household routine at eLivingtoday.com.
Photo courtesy of Shutterstock
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Welcome to the Consumer Corner section of STM Daily News, your ultimate destination for savvy shopping and informed decision-making! Dive into a treasure trove of insights and reviews covering everything from the hottest toys that spark joy in your little ones to the latest electronic gadgets that simplify your life. Explore our comprehensive guides on stylish home furnishings, discover smart tips for buying a home or enhancing your living space with creative improvement ideas, and get the lowdown on the best cars through our detailed auto reviews. Whether you’re making a major purchase or simply seeking inspiration, the Consumer Corner is here to empower you every step of the way—unlock the keys to becoming a smarter consumer today!
