California Insurance Guru

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. 

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. 

If you don’t have a personal health insurance plan, it’s a good idea to have medical payments coverage on your car policy. 

No, the policy won’t terminate if the payment is missed by the due date, but you will receive a letter stating the policy will terminate if the missed payment isn’t received by the date specified in the letter.    Most companies will give you plenty of time to get your payment in, the time varies from company to […]

No, the policy won’t terminate if the payment is missed by the due date, but you will receive a letter stating the policy will terminate if the missed payment isn’t received by the date specified in the letter.    Most companies will give you plenty of time to get your payment in, the time varies from company to […]

That’s correct, you don’t need a ‘California’ driver’s license to get insurance.  There are companies in California that will insure you with a foreign driver’s license. 

That’s correct, you don’t need a ‘California’ driver’s license to get insurance.  There are companies in California that will insure you with a foreign driver’s license.

I will list 8 things you need to do at an accident. Stay at the scene of the accident, again, don’t leave.  Make sure everyone including yourself are okay. Call the police. Complete an accident report.  If you don’t have one, you will need to obtain the year, make and model of the other vehicle, driver […]