California Insurance Guru

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 car is not the driver and they do not have possession of the vehicle. [Read the rest of this entry…]

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. [Read the rest of this entry…]

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 consumer, who is looking to purchase a policy, and the terms, which state the responsibilities, coverage and legalities of the insurance policy. [Read the rest of this entry…]

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 house that is […]

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 house that is of driving age must be included on your policy or excluded.  The thought behind this is that everyone living in your house has regular access to your vehicle.  This poses a risk to the insurance companies.  If you loan your car to someone in your house and they are not mentioned on your policy chances are there will be no coverage if they are involved in an accident. You need to disclose any roommates or drivers in the house and they need to be added or excluded. [Read the rest of this entry…]

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 renting […]

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 renting a car. [Read the rest of this entry…]

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 law is […]

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.

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. [Read the rest of this entry…]