California Insurance Guru

A lot of  Californians know that it’s against the law to drive and talk on the cell phone without a hands free device.  But, a lot of Californians don’t know that it became a law on January 1, 2009 that you cannot text on the phone while driving. It only takes a moment to look elsewhere […]

No.

No. You can have a valid license without having car insurance, but in order to take your driving test you would need an insured vehicle.  So, if you don’t own a car,  you would need to borrow an insured vehicle to take your test. If you have further questions, contact this author or your insurance […]

What is it? Example: Your driving on the highway and you are involved in an accident.  Your car is damaged and now you have no transportation. 

What is it? Example: Your driving on the highway and you are involved in an accident. Your car is damaged and now you have no transportation.  Car rental expense coverage will reimburse you for the cost of renting a car, regardless of fault.  Insurance companies offer this coverage as an option.  You may choose daily […]

Auto collision covers losses due to collision with another car or object.  If you have a claim due to collison the insurance company will pay to repair or replace your vehicle (less your deductible).  Collision coverage will pay to repair or replace your vehicle regardless of fault. 

Auto collision covers losses due to collision with another car or object.  If you have a claim due to collison the insurance company will pay to repair or replace your vehicle (less your deductible).  Collision coverage will pay to repair or replace your vehicle regardless of fault. If you are involved in an accident with […]

Comprehensive covers your car or motorcycle in case of damage by fire, theft, vandalism, earthquake and falling objects.  Comprehensive covers the cost to repair your vehicle.  Keep in mind, you will have to pay a deductible; the insurance company will pay the remainder. 

Comprehensive covers your car or motorcycle in case of damage by fire, theft, vandalism, earthquake and falling objects.  Comprehensive covers the cost to repair your vehicle.  Keep in mind, you will have to pay a deductible; the insurance company will pay the remainder.  In a total loss of your vehicle the insurance company will pay […]

California law requires that Uninsured and Underinsured motorist coverage must be offered with every car policy issued in this state.  The coverage is not required and if you don’t want it you have to sign a waiver excluding it.