When you purchase a new car it is important to remember who is on title. Banks and lessors will never let you forget when they are on title. They will even force their own (very expensive) insurance when they do not get evidence of insurance from you, but a co-signer may not know that they…
Recently on a soccer road trip to the central coast I received a speeding ticket. My first ticket in maybe 25 years. I opted to attend Traffic School to avoid the point on my record. A lot has changed since I was first licensed in 1973. I learned that you no longer hold the steering…
Earthquake Loss Assessment is a coverage that is typically associated with Condominiums and Townhouses. The building portion of a condominium or townhouse is usually insured by the homeowners association (HOA). The contents and improvements of each unit are insured by the unit owner. An earthquake loss assessment would be the result of damage to the…
Before one can enter into a discussion about Hard and Soft Markets it is important to understand the driving forces behind them. So here we go. Every time you give an insurance company a dollar, that insurance company would like to spend approximately 60 cents of it on claims and 25 cents of it on…
Q: My child is going back to college. Should I remove them from my Auto Insurance Policy to save money? A: It is that time of year again, and college students around the country are getting ready to head back to school. You may be getting ready to remove your college student from your auto insurance…
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…