California Insurance Information

• Identity fraud occurs when someone uses the personal information of another without their consent.
• Identity fraud is becoming more common and continues to increase.
• Nearly 10 million people in the United States are affected annually.
• Personal records were either stolen, lost or compromised in the millions in 2005. (more…)
   

• Have your vehicle serviced regularly:

Tune-ups improve performance and gas mileage.

• Ease up on the gas and brake pedals: (more…)
   

• Helmet

I don’t care if you’re riding on the street or taking a trip across the country, the helmet is an essential item needed if you plan on riding your bike.  The helmet will also help with wind noise and road debris. (more…)

The agent will need current copies of your registration.  Most insurance companies require that the registration be in your name, some companies will allow the the vehicle registered to someone else.  If your car is registered to someone else there are companies that will insure you.  They will want to either rate that person on your policy or exclude them. (more…)

No!

An agent who represents several companies will charge a broker fee.  The broker fee is non-refundable.  Now, don’t get me wrong, if the agent makes a mistake and you need to cancel the policy before it goes into effect, you should get the broker fee returned.  Keep in mind, all agents aren’t going to be this nice, because essentially the agent worked for free and all his time spent was for nothing.  (more…)

NO.

If you have car insurance in the United States you are covered while driving in any state.  However, You are not covered outside of the United States. (more…)

How high should your liability insurance be?  That’s a wide open question, but one that needs to be seriously addressed.

You can’t expect to answer this question without the advise of an insurance professional.  There are many things to take into consideration.

• Identify your assets and liabilities.
• Identify your funds to protect those assets. (more…)
   

An insured called and asked if they can remove a car from their insurance policy. 

The question is not as simple as it seems.  In California, we now have mandatory laws that dictate you must insure an owned vehicle, even if its parked and never used.

The way to get around this is to file a non-operational permit with the Department of Motor Vehicles. (more…)

The answer is Yes.  Car and motorcycle policies are usually for a 6-month or 12-month term.  The policy is on-going during the term of the contract. 

If you buy a car or motorcycle you will need to call your agent and add the vehicle to the policy.  The vehicle would be pro-rated from the date you add it to the end of the policy period.  That means the insurance company will charge you only the difference from when you added the vehicle until the expiration date.  You will also receive a multi-car discount which reduces the total premium for both vehicles. (more…)