California Insurance Guru

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 […]

I received a call the other day from one of my insureds.  Apparently, my insured’s wife was being followed by someone who claimed her car kicked up a rock and hit his car. Well, being followed by anyone these days is scary.  My insured’s wife was on her way to visit her husband at work […]

My car policy cancelled, can I reinstate it? Well, it depends on the company.  But, most companies will reinstate your car, motorcycle or home policies with a lapse.  Each company has there own guidelines.  You will need to talk to your agent and ask if you qualify for reinstatement.

Your car or motorcycle insurance will transfer to your new residence in the state you live, but if you move out of state you will have to cancel your policy and start a new policy.  Don’t terminate your insurance policy until you’re  moved and have a current policy in place. 

If you have a DUI in California you will have to file a SR-22 with the DMV.  A SR-22 is a certificate of insurance that is required by the DMV in order to keep your license valid.  The time frame is 3 years and if you don’t pay your insurance your license will be suspended again. […]

A prospect wanted to start a car insurance policy.  I asked him if he was the registered owner of the vehicle to be insured.  He replied that he was, but that his father is also listed as a co-owner.  I asked him why his father is listed as a co-owner and he told me thats how it […]

There are all kinds of insurance. There are policies for cars, motorcycles, homes, life and health insurance. I will primarily discuss personal lines insurance. There is also insurance offered for business and more. Is it important to have insurance? Thats a wide open question. We have a need to insure against a liability and to protect […]

Years ago when I first started as an insurance agent, I went on an appointment to write a car policy.  The customer was a old gentleman living in the Los Angeles area.  I asked the normal questions about accidents and tickets.  The insured replied that he never had any tickets or accidents.  The prospect had […]

The end of the year is upon us and that means a new year is to begin.  There have been no changes in the minimum car or motorcycle insurance requirements for California.  The requirements are as follows: $15,000 per person and $30,000 per accident for liability. $5,000 for liability property damage. Other coverage that you will […]

A person was in my office yesterday.  They were buying car insurance.  The person stated, ” I hope I’m not making a mistake”. Well, I was alittle taken back.  I asked what was meant by that.  After listening to the reply I realized that this person and most people felt the same way when buying […]