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Features) Misinformation about auto insurance continues to circulate, leading many drivers to make decisions based on outdated or inaccurate assumptions.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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home improvement
4 Ways to Make Room for Better Living
Make Room for Better Living: Oftentimes, making your home better suited for your needs starts with rethinking how the doors open. Whether you’re remodeling or building a new home, understanding the options can help you choose doors – and the installation hardware behind them – that make rooms more comfortable and convenient.
4 Ways to Make Room for Better Living
A bathroom door that bumps into the vanity. A closet interior that’s awkward to reach. A home office that needs a little separation from family activity. Oftentimes, making your home better suited for your needs starts with rethinking how the doors open.
Sliding, folding and pocket doors offer practical ways to improve everyday spaces without adding square footage. Whether you’re remodeling or building a new home, understanding the options can help you choose doors – and the installation hardware behind them – that make rooms more comfortable and convenient.
Consider these four ways to put your doors to work from the experts at Johnson Hardware, who make easy-to-install hardware systems in the U.S.:
Free Up Floor Space with Pocket Doors
In bathrooms, kitchen pantries and laundry rooms, a swinging door can compete with storage, taking up to 14 square feet of floor space and interrupting traffic flow. Pocket doors slide into the wall, freeing the area a hinged door needs to swing open.
Made for single pocket doors in compact rooms or two converging doors for larger openings between adjoining spaces, pocket door hardware with its soft-close feature helps doors glide gently into the open and closed positions, reducing slamming. Discuss pocket doors early in your project so your building professional can plan for the space needed inside the wall.
Keep Essentials Handy with Bypass and Multi-Pass Doors
A frequently used mudroom, hallway or bedroom closet can look more organized with sliding bypass or multi-pass doors. The panels travel on separate tracks and slide past one another, letting you reach different sections without doors swinging into the room.
Options like Johnson’s bypass and multi-pass hardware systems help keep walkways clear while concealing storage or everyday clutter. Ask your designer or remodeler about panel arrangements and soft-close options that suit the opening based on how you’ll use the space.
Add Flexibility with Wall-Mount Sliding Doors
If you want the space-saving benefits of a sliding door but a pocket door isn’t practical, wall-mount doors travel along a track outside the wall. With easy-to-install hardware systems, making the switch from a swinging door can be a quick, practical room upgrade.
Often called barn doors, they can complement many decorating styles, from traditional painted wood to contemporary glass designs. Wall-mount sliding doors work well in home offices, bedrooms, laundry rooms and pantries, where soft-close and soft-open hardware can help reduce noise. Plan for clear wall space beside the opening so the door has room to slide.
Open Up Storage with Full-Access Bifold Doors
A closet can hold more than clothes. It might become a craft station, compact workspace or convenient place for laundry supplies.
Bifold doors use hinged panels that fold together as they open. Unique 1601 Full-Access Bifold Door Hardware goes a step further, allowing panels to fold flat against adjacent walls for full access across the opening. That makes it easier to reach shelves, organize supplies and use the space inside.
Thoughtful door hardware choices can make everyday routines easier, from reaching pantry shelves to creating a quiet place to work. As you plan your project, ask your designer, architect, remodeler or building contractor how pocket, sliding and folding door hardware systems can help make better use of your space.
For more ideas, visit johnsonhardware.com.
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Consumer Corner
5 Affordable Bathroom Upgrades That Feel Luxurious
5 Affordable Bathroom Upgrades: If you dream of having a bathroom that feels like a spa-inspired retreat, the good news is you don’t need a full renovation or huge budget to make it happen. Small, thoughtful upgrades can add style, comfort and ambience to your space without breaking the bank.
5 Affordable Bathroom Upgrades That Feel Luxurious
(Feature Impact) If you dream of having a bathroom that feels like a spa-inspired retreat, the good news is you don’t need a full renovation or huge budget to make it happen. Small, thoughtful upgrades can add style, comfort and ambience to your space without breaking the bank.
Consider these five affordable bathroom upgrade ideas to add touches of luxury to your home.
Warm, Soft Lighting
Lighting can completely change the atmosphere of a room; you can instantly create a welcoming, calming vibe by replacing harsh, bright lighting with soft, warm tones. To make your bathroom feel even more like a fancy hotel, think about adding wall sconces next to the mirror, accent lighting around the vanity or candles on the counter.
New Hardware and Finishes
Replacing outdated hardware and fixtures can immediately refresh the space – you don’t even have to buy a new vanity or cabinets if sleek new knobs and drawer handles are enough to make the old ones look like new. Another easy upgrade: A new faucet can give your whole sink area a more modern and sophisticated look. Opt for sleek, durable materials that feel cohesive with the rest of your design, like brushed nickel, matte black or warm bronze.
Upgraded Showerheads
Make your daily routine more indulgent by turning your shower into something that feels like an experience instead of a chore. If you enjoy gentle showers, consider a rain-style showerhead. For water pressure you can customize depending on your preference, look for a combination model. Also decide whether you’d rather have a detachable showerhead for extra convenience or one that’s fixed in place.
Heated Towel Racks
After a shower or bath, enjoy a little extra cozy luxury by wrapping up in a freshly warmed towel from an electric rack. You can install a permanent wall-mounted unit or choose a freestanding option for extra portability. As a hygienic bonus, towel warmers can also help linens dry faster, minimizing dampness and musty odors.
Refreshed Decor
Don’t underestimate how even small details can make a big difference. A few carefully chosen pieces of decor can elevate the look and feel of the whole room. That might be wall art, new curtains, a stylish mirror or even practical things like a new toothbrush holder and soap tray. Also think about choosing one or two plants suited to your bathroom’s natural lighting and humidity levels – a little greenery can make everything feel fresh and classy.
Get inspired with more home design and renovation tips at eLivingtoday.com.
Photo courtesy of Unsplash
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Consumer Corner
Reduce Home Fire Risks: 5 Items to Avoid Plugging into Power Strips
Reduce Home Fire: Power strips make it easy to add outlets where families need them, but they aren’t designed to handle every appliance in the home. Plugging certain high-powered appliances into a power strip can overload it, potentially causing overheating and increasing the risk of an electrical fire.
Reduce Home Fire Risks: 5 Items to Avoid Plugging into Power Strips
(Feature Impact) Power strips make it easy to add outlets where families need them, but they aren’t designed to handle every appliance in the home. Plugging certain high-powered appliances into a power strip can overload it, potentially causing overheating and increasing the risk of an electrical fire.
“Power strips are so common that it’s easy to assume anything with a plug can safely go into one, but that’s not the case,” said Bonnie Lee, vice president of property claims at Mercury Insurance. “Appliances that draw significant power can generate more heat than a power strip is designed to handle. A simple change in where you plug something in can help eliminate an unnecessary fire risk.”
The National Fire Protection Association (NFPA) recommends plugging portable space heaters directly into wall outlets and warns that extension cords can be too small for electrical loads such as space heaters and air conditioners. Additionally, the U.S. Consumer Product Safety Commission warns that power strips can pose a fire hazard when overloaded.
Take a closer look at these five household items, as recommended by the home safety experts at Mercury Insurance:
1. Space Heaters
Portable electric space heaters can draw substantial power and should be plugged directly into a wall outlet rather than a power strip or extension cord. The NFPA also recommends keeping space heaters at least 3 feet away from anything that can burn and turning them off when leaving the room or going to bed.
2. Air Fryers
Air fryers pack a powerful heating element. Depending on the model, that can mean a significant electrical load while the appliance is operating. Follow the manufacturer’s instructions and, when directed, plug the appliance directly into an appropriate wall outlet rather than a power strip already serving other kitchen devices.
3. Microwaves
Microwaves require significant power during operation and generally should have a dedicated or properly rated outlet consistent with the manufacturer’s instructions. Avoid treating an available spot on a countertop power strip as an extra kitchen outlet. If there aren’t enough outlets to safely accommodate appliances, consider having a qualified electrician evaluate the setup.
4. Refrigerators and Freezers
Refrigerators and freezers operate around the clock, and their compressors can create additional electrical demand when cycling on. These appliances should be connected according to manufacturer’s instructions and applicable electrical requirements rather than relying on a power strip as a permanent wiring solution.
5. Portable Air Conditioners
Like space heaters, portable air conditioners can place a heavy load on an electrical circuit. NFPA guidance notes extension cords may be too small for loads including air conditioners. Follow the manufacturer’s instructions and use an appropriate wall outlet rather than assuming a power strip can safely handle the appliance.
For information about in-home fire safety, visit MercuryInsurance.com/resources.
Give Your Power Strips a Home Safety Check
The appliances plugged into a power strip aren’t the only things homeowners should consider. The condition and use of the strip itself matter, too.
Homeowners should avoid plugging one power strip into another, commonly known as “daisy chaining,” and should never use a power strip as a substitute for permanent household wiring. Damaged, discolored or unusually warm power strips should be taken out of service. Also check that power strips are appropriate for their intended use and follow all manufacturer’s instructions and electrical ratings.
“If you need power strips throughout a room just to operate everyday appliances, the bigger issue may be that your home electrical system isn’t meeting your needs,” Lee said. “Adding outlets or having an electrician evaluate the circuit may take a little more effort, but it’s a much better solution than creating a potential fire hazard.”
Homeowners should also pay attention to warning signs including frequently tripped circuit breakers, outlets or plugs that feel unusually warm, flickering lights, burning odors, buzzing or crackling sounds and discoloration around outlets. A qualified electrician should evaluate electrical problems rather than relying on additional power strips or extension cords as a workaround.
Photos courtesy of Shutterstock
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