California Insurance Guru

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 […]

Snow and ice accumulation can damage natural gas meters and outdoor appliances such as barbecues and water heaters.  To prevent potential damage or insurance claims: Install a shelter above your natural gas meter to prevent snow or ice accumulation. Use a broom, not a shovel to clear snow or ice off natural gas meters and […]

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 […]

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 […]

When shopping for insurance most people buy with price in mind.  Price is important, but its certainly not the only reason to base your decision making. How important is the insurance company you choose?  Choose your insurance company wisely.  You want a top rated company that has good customer service and an excellent claims reputation.  […]

First thing you do is make sure everyone is okay.  Next, call the police.  They will send someone out if there are injuries.  Keep in mind, a police officer will not be dispatched if everyone is okay.  If the police are dispatched to the accident they will take statements and call for medical assistance if needed.