California Insurance Guru

The California Office of Emergency Services offers these tips to help keep you safe and injury-free during an earthquake.

• In a High-Rise Building: Look for items that could fall, duck under a desk or table, move against an interior wall, and protect your head with your arms.  Do not use elevators.
• Outdoors: Move to a clear area away from trees, signs, buildings, or downed electrical wires and poles.
• On Sidewalk Near Buildings: Duck into a doorway to protect yourself from falling bricks, glass, plaster, and other debris. [Read the rest of this entry…]

That’s correct using a hand-held cell phone while driving will be prohibited by law in California effective July 1, 2008.  

Violators will be fined $20 for the first offence and $50 for each additional offence.

The only exceptions made are for 911 emergency calls and truck drivers. [Read the rest of this entry…]

That’s correct using a hand-held cell phone while driving will be prohibited by law in California effective July 1, 2008.
Violators will be fined $20 for the first offence and $50 for each additional offence.
The only exceptions made are for 911 emergency calls and truck drivers.

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 is injured.  If there are no injuries you will need to exchange the information below on your own.

Only discuss the accident details with the police.

Do not admit fault. [Read the rest of this entry…]

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 is injured.  If there are […]

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 new insured was not completely honest with me. [Read the rest of this entry…]

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 new […]

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 for lunch.  [Read the rest of this entry…]