When someone states that they have full coverage, what does that mean? The short answer is that person has Bodily Injury, Property Damage, Comprehensive and Collision coverage. The term Full Coverage is misleading. You can by definition have full coverage and not have Medical Payments, Uninsured Motorist, Rental Car or Towing coverage. This coverage is…
We all drive through parking lots daily, but how often do we stop and think about the painted lines we drive over. Parking lots are designed and painted to have a specific traffic flow. The intent is to facilitate the orderly and safe movement of cars through the parking lot. Now, how many times have…
Many people today are looking for a way to make extra money. Uber has offered many of them a solution. This is a very attractive solution for many college students. You work your own hours and you are your own boss. Perfect. What you may not realize is that your personal auto policy specifically excludes…
You may be asking yourself, What does the Basic Speed Law have to do with insurance? California has a Basic Speed Law. The Basic Speed Law means that you may never drive faster than it is safe for the current conditions. You may be driving 45 mph in a 55 mph zone, but if it…
Switching Insurance Companies is a very normal aspect of having insurance; Rates go up and down (mostly up), underwriting criteria change, people move, sell a car, buy a car, sell a house or buy a house. There are many reasons why an individual may choose to cancel a policy, but before your cancel your policy…
When you shop for a Homeowners Insurance Policy one of the first things an agent will do before a quotation is given is try to determine the accurate building replacement cost of your home. This is not an easy task as the cost of building materials, the quality of construction and the cost of labor…