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 […]

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 […]

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 […]

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 […]

People ask me all the time, “should I get uninsured motorist”?  Insurance is about taking on a risk or paying an insurance company for taking on the risk.  Liability insurance is required, but the other coverages are not.  What this means is you have a choice.  A choice to take on a risk, a chance […]

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.