California Insurance Guru

California law requires that Uninsured and Underinsured motorist coverage must be offered with every car policy issued in this state. 

The coverage is not required and if you don’t want it you have to sign a waiver excluding it.  [Read the rest of this entry…]

California law requires that Uninsured and Underinsured motorist coverage must be offered with every car policy issued in this state.

The coverage is not required and if you don’t want it you have to sign a waiver excluding it. 

Uninsured motorist will pay for your medical expenses, loss wages and pain and suffering if you are involved in an accident where the other driver is not insured and is at-fault.  Uninsured property damage will pay for your car to be fixed up to $3,500.  If you are hit by a driver who leaves the scene, (hit and run), you are also covered under Uninsured motorist up to the policy limits.

Underinsured motorist covers you if you are in an accident with someone who is underinsured.  So, let’s say the other party is at-fault and they don’t have enough money to cover the total claim, then your Underinsured motorist will kick in from your policy to pay the difference up to the policy limits.

If you have any questions contact your Insurance Agent or this Author.

If you don’t have a personal health insurance plan, it’s a good idea to have medical payments coverage on your car policy.  [Read the rest of this entry…]

If you don’t have a personal health insurance plan, it’s a good idea to have medical payments coverage on your car policy.

No, the policy won’t terminate if the payment is missed by the due date, but you will receive a letter stating the policy will terminate if the missed payment isn’t received by the date specified in the letter.    Most companies will give you plenty of time to get your payment in, the time varies from company to company.   Keep in mind, if you are late you will be charged a late fee. [Read the rest of this entry…]

No, the policy won’t terminate if the payment is missed by the due date, but you will receive a letter stating the policy will terminate if the missed payment isn’t received by the date specified in the letter.    Most companies will give you plenty of time to get your payment in, the time varies from company to […]

When you are seeking a home quote for insurance you will be asked many questions.  The insurance agent will enter the information into a replacement cost estimator to determine the amount of insurance needed to rebuild your home.  The home must be insured to 100% full replacement cost.

A lot of people get confused when asking for a home insurance quote.  [Read the rest of this entry…]

When you are seeking a home quote for insurance you will be asked many questions.  The insurance agent will enter the information into a replacement cost estimator to determine the amount of insurance needed to rebuild your home.  The home must be insured to 100% full replacement cost.
A lot of people get confused when asking for […]

Times are tough for everyone.  The economy is at it’s worse and everyone seems to be affected.  I thought being an insurance agent I wouldn’t have to worry about my income.  But, that’s not necessarily true, when people have little money they pay for basic needs only.  [Read the rest of this entry…]

Times are tough for everyone.  The economy is at it’s worse and everyone seems to be affected.  I thought being an insurance agent I wouldn’t have to worry about my income.  But, that’s not necessarily true, when people have little money they pay for basic needs only.