Slideshow

First lesson: Don't overlook the human element.

While letting your insurance policy lapse may seem far different than driving under the influence, both could result in you being considered a high-risk driver by your car insurer.

Sport-utility vehicles, crossovers, and minivans dominate the list, and there's one key reason why.

Dozens of no-no's unrelated to highway safety can get your license yanked.

Not surprisingly, sports cars and convertibles top the list.

Having these six types of insurance can help restore a bit of normalcy to your life in the aftermath of tornado damage to your property.