California Insurance Guru

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 other […]

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 was registered years ago when he lived with his father. 

I told him his father is liable as well if he is listed on the car registration.  The insured told his father, but the names on the registration remained. 

Well, I wrote the policy and excluded the father. [Read the rest of this entry…]

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 that’s how it […]

Motorcycle insurance can be expensive.  There are a few ways to make sure your premiums are low and remain low.

• You need a M1 designation on your license.

If you only have a permit, your premium will be higher.  So, the first thing to do is get your motorcycle M1 license.  Don’t try and get insurance before that. [Read the rest of this entry…]

Are you a person who thinks you don’t need to talk to a California insurance agent to obtain insurance?  Do you know what coverage you want?

If you are insurance savvy and computer literate, you can obtain car insurance on-line without talking to an agent.

Yes, you read correctly!

A lot of people already know the insurance coverage needed for their policy.  If you have a current policy and you have discussed your personal needs with an agent in the past and you have no changes that would affect your policy, then, you are a good candidate for quote, buy and print. [Read the rest of this entry…]

Are you a person who thinks you don’t need to talk to a California insurance agent to obtain insurance?  Do you know what coverage you want?
If you are insurance savvy and computer literate, you can obtain car insurance on-line without talking to an agent.
Yes, you read correctly!
A lot of people already know the insurance coverage […]

There are all kinds of insurance. There are policies for cars, motorcycles, homes, life and health insurance. I will primarily discuss personal lines insurance. There is also insurance offered for business and more.

Is it important to have insurance?

Thats a wide open question. We have a need to insure against a liability and to protect our assets. Lets talk about the different insurance offered.

Car insurance is mandatory in California. You don’t have to have full coverage, just the minimum requirement set by law. That minimum is 15,000 per person, 30,000 per accident and 5,000 for property damage. The rest of the coverage is up to you.
What is your threshold for taking on the risk and not paying the insurance companies.  How much can you afford?  How much will you lose if you don’t have the added insurance? These are the kind of questions you should be asking yourself.  Am I insured properly?  Do I have assets to protect and the resources to pay for them? [Read the rest of this entry…]

There are all kinds of insurance. There are policies for cars, motorcycles, homes, life and health insurance. I will primarily discuss personal lines insurance. There is also insurance offered for business and more.
Is it important to have insurance?
Thats a wide open question. We have a need to insure against a liability and to protect our assets. […]

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 no tickets or accidents on his motor vehicle report and his insurance report showed no claims. 

As I was examining his car and taking pictures I noticed a big dent on the passenger side near the rear of the car.  I asked him, “What happened here?”  “I see you were in an accident.” He replied, “Oh no, I wasn’t in an accident.”  I said, “Then, what happened?”  The prospect explained to me that he backed out of his garage and hit his tree.  He further told me, “there was no other car involved, so it wasn’t an accident.”

Well, unfortunately, that was an accident. [Read the rest of this entry…]