A lot of Californians know that it’s against the law to drive and talk on the cell phone without a hands free device. But, a lot of Californians don’t know that it became a law on January 1, 2009 that you cannot text on the phone while driving. [Read the rest of this entry…]
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A lot of Californians know that it’s against the law to drive and talk on the cell phone without a hands free device. But, a lot of Californians don’t know that it became a law on January 1, 2009 that you cannot text on the phone while driving.
It only takes a moment to look elsewhere and have an accident. If you think about it, texting takes your mind off the road and can be a bigger risk than talking. So, be aware, if your driving don’t text.
If you need to talk or text someone while driving, pull over to the side of the road to call or text and be safe…
If you have any questions contact your insurance agent.
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Comments Off on Is Car Insurance required for a Drivers License
No.
You can have a valid license without having car insurance, but in order to take your driving test you would need an insured vehicle. So, if you don’t own a car, you would need to borrow an insured vehicle to take your test.
If you have further questions, contact this author or your insurance agent.
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What is it?
Example: Your driving on the highway and you are involved in an accident.
Your car is damaged and now you have no transportation. [Read the rest of this entry…]
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What is it?
Example: Your driving on the highway and you are involved in an accident.
Your car is damaged and now you have no transportation.
Car rental expense coverage will reimburse you for the cost of renting a car, regardless of fault. Insurance companies offer this coverage as an option. You may choose daily limits of $20, $30 or $45 for a maximum of 30 days until your car is repaired or replaced. Each company varies on the amounts.
If the other driver is at fault, their insurance will pay for this coverage while your car is being repaired or replaced.
This coverage is not always needed. If you have 2 vehicles and one is damaged, you can always use your second vehicle and not choose this option.
Everyone’s situation is different. If you have questions discuss your options with your insurance professional.
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Auto collision covers losses due to collision with another car or object. If you have a claim due to collison the insurance company will pay to repair or replace your vehicle (less your deductible). Collision coverage will pay to repair or replace your vehicle regardless of fault.
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Auto collision covers losses due to collision with another car or object. If you have a claim due to collison the insurance company will pay to repair or replace your vehicle (less your deductible). Collision coverage will pay to repair or replace your vehicle regardless of fault.
If you are involved in an accident with an uninsured motorist and they are at-fault, your deductible would be waived if you selected (UDW), which is waiver of deductible.
If you are financing your vehicle you may be required to have both collision and comprehensive coverage.
If you have any questions, contact your insurance agent or this author.
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Comprehensive covers your car or motorcycle in case of damage by fire, theft, vandalism, earthquake and falling objects. Comprehensive covers the cost to repair your vehicle. Keep in mind, you will have to pay a deductible; the insurance company will pay the remainder. [Read the rest of this entry…]
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Comprehensive covers your car or motorcycle in case of damage by fire, theft, vandalism, earthquake and falling objects. Comprehensive covers the cost to repair your vehicle. Keep in mind, you will have to pay a deductible; the insurance company will pay the remainder.
In a total loss of your vehicle the insurance company will pay the actual cash value less your deductible.
Comprehensive coverage does not inclue wear and tear, mechanical or engine failure.
Comprehensive and collision coverage may be required when financing a vehicle.
If you have any questions contact your agent or this author.
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