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I frequently hear stories from motorists who don’t know their rights and end up making bad decisions after an accident. This column is not meant as a criticism against any of the individuals or businesses that motorists encounter after an accident such as collision repair shops, insurance.

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What’s the cheapest car insurance? Insurance is funny, in a weird sort of way, because rates can vary wildly between insurance companies. Also, premiums often change so the insurance provider who offered you the best rate two years ago, or even last year, may not be the insurer who offers you the best car insurance rate today.

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Renting a car at the airport is certainly convenient, but you must be prepared to pay for that convenience. In addition to just generally higher daily rates, airport car rentals often carry a so-called "concession recovery fee," which reimburses the car rental company for the fee charged by the airport to do business there.

I have had the CAA Plus membership, which is about $95, ever since I had to get my car towed and the bill came to about 2 years membership. It would have been free with CAA Plus.

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Auto insurance rates are expected to increase this year, Canada-wide, and this is bad news for Ontario. CAA's annual list of the worst roads in Ontario is out.