California Insurance Guru

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 […]

What is Insurance? Insurance is the pooling of money by many people to protect themselves from the risk of losses which may be difficult for an individual to withstand financially. What is an Agent?  An Agent is an individual that solicits insurance for an Insurance company or companies. What is a policy? A policy is […]

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 […]

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.

An insurance agent does a lot of work to verify a quote.  Why, because he or she has to be accurate.  Of course, the quote is based on the information you provide.  Does the agent order reports?  NO, not before he has an appointment to write the policy.  The reports cost money and the agent […]

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. […]

Spring is coming and you want a motorcycle.  You need a M1 license and insurance.  One of my prior articles discussed getting a license and when to buy motorcycle insurance. When I first started riding a motorcycle I was told there are two kinds of motorcycle riders, one who has been down on their bike and the […]

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 […]