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.
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.
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 [...]
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 [...]
What is Insurance?
Insurance is the pooling of money by many people to protect themselves from the risk of losses which may be difficult for an individual to withstand financially.
What is an Agent?
An Agent is an individual that solicits insurance for an Insurance company or companies.
What is a policy?
A policy is a written contract of Insurance.
What [...]
Identity fraud is wide-spread affecting even the little guy, the home owner. I will list a few ways to better protect yourself.
Lock your car when you leave it.
Don’t leave packages or items in plain view through car windows.
Never leave your wallet, money or identification in your car.
The California Office of Emergency Services offers these tips to help keep you safe and injury-free during an earthquake.
In a High-Rise Building: Look for items that could fall, duck under a desk or table, move against an interior wall, and protect your head with your arms. Do not use elevators.
Outdoors: Move to a clear area away [...]
That’s correct using a hand-held cell phone while driving will be prohibited by law in California effective July 1, 2008.
Violators will be fined $20 for the first offence and $50 for each additional offence.
The only exceptions made are for 911 emergency calls and truck drivers.
What do you do?
First, stay calm and pull over to the side of the road. Make sure you and your passengers are okay.
Do not leave the scene of the accident.
Call the police or have someone call for you.
The police will fill out an accident report.
The police will only come if someone is injured. If there are [...]
Yesterday, I wrote a new auto insurance policy for someone. I did nothing out of the ordinary as I asked all the same questions I ask everyone when writing a policy. An insurance agent has to ask the same questions and follow the same procedures when writing insurance policies, this is known as compliance.
My new [...]
