California Insurance Guru

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. 

 As you know, wild fires happen every year.  Below I list a few pointers that you need to apply in order to protect your home.

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 […]

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 […]

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 […]

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.

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 […]