What is Full Coverage?

By parkinsonins

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…

Where Should You Keep Your Auto Insurance ID Card?

By parkinsonins

Your Auto Insurance ID card should be kept in your car with your registration, not in your wallet or purse. When you buy auto insurance you are insuring your car first and yourself second. If you are stopped by a police officer, he is going to as for proof that the car you are driving…

What is a Water Damage Loss?

By parkinsonins

Most people think that a leaky roof is a water damage loss. That is not the case. If your roof leaks that is a home maintenance issue and is not covered. If wind blows tiles or shingles off of your roof and water enters your house the collateral damage caused by the water entering your…

Your Auto Insurance and the Importance of Title

By parkinsonins

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…

Our Evolving Vehicle Code

By parkinsonins

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 Coverage

By parkinsonins

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…