California Insurance Guru

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.

Most insurance companies will say no. But, there are several companies that will insure you. This situation comes up when someone needs to have a car, but has no credit. So, for financial reasons, they will buy a car in someone else’s name and have the need to insure it. The person who owns the […]

The answer to that is yes and you won’t be required to have a California drivers license. You can obtain insurance with an international license or a license from a different country.

Auto insurance policies are one of the most basic and common types of policies available to consumers. Like any other insurance policy, they involve specific terms and protocols that are often confusing to wade through. Quite simply, an auto insurance policy includes these elements: there is the insurance company, who is offering the policy; the […]

Yes, no, maybe. If you listed an excluded driver on your policy, there is no coverage for that person if they drive your car. If the person you are loaning your car to is not excluded, there should be coverage.  Again, you need to talk to your agent to discuss your policy coverage and limitations. Anyone living in your […]

Yes, no, maybe.  If you listed an excluded driver on your policy, there is no coverage for that person if they drive your car.  If the person you are loaning your car to is not excluded, there should be coverage.  Again, you need to talk to your agent to discuss your policy coverage and limitations.  Anyone living in your […]

Most policies will cover you if you rent a car for pleasure or while your car is being repaired.  If you are renting your car for business use, there is no coverage. You must carry physical damage coverage which is comprehensive and collision.  If you do not have this coverage you would not be covered while […]

Most policies will cover you if you rent a car for pleasure or while your car is being repaired.  If you are renting your car for business use, there is no coverage.  You must carry physical damage coverage which is comprehensive and collision.  If you do not have this coverage you would not be covered while […]

Don’t confuse these two coverages, they are different. I’m going to first talk about property damage coverage. You are required to have property damage coverage on your car policy.  Property damage covers damage you cause to someone else’s car or property when you are at fault in an accident.  The minimum property damage coverage by […]

All insurance companies charge higher rates for drivers with accidents or tickets on their records.  Insurance companies charge higher rates because statistics show that these drivers are higher risks.  Each company has different ratings, but they all adjust their rates to reflect their exposure.