Red-2019-Lexus-RC You may not recover the full value of your new car if it's totaled. (Photo:

You spent weeks looking at reports and ratings online and visiting various dealerships before deciding on what make and model of new car you want. You've had your old car for almost 20 years, and it had well over 200,000 miles on it, so it was time for a change. You finally decided on a bright red, sporty Lexus RC F coupe. The kids are out of the house, but it does have back seats for passengers in a pinch. You love it. You look for places to go so you can zip around in your hot little red car.

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Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.