Archive for the ‘Personal Insurance’ Category

You’ve finally reached your vacation destination, and are arranging for your rental car. The rental car agent is recommending you purchase their insurance coverage – what should you do?
Generally, you should be OK waiving the rental car insurance, if:
• You already have personal auto insurance coverage which inludes comprehensive and collision coverage.
• You are renting the [...]

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In California, there is a mandatory endorsement on every homeowners policy for workers compensation. However, that endorsement can be very confusing and only covers very specific situations.
Before the coverage under the workers compensation endorsement on the policy starts, there are two things that must have occurred in the 90 days prior to the injury.
1. [...]

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Approximately one out of twenty people either own a condo that they rent out or live in, but only a few of these owners have proper insurance coverage. Typically, the Homeowners’ Association (HOA) insures the exterior of the condominium building and the commonly owned property while providing liability insurance for the association. However, the [...]

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1. Personal property replacement – If there was a fire in your building, it’s unlikely that you would have enough money to replace every single item. Your landlord does not provide coverage for your personal belongings, as they don’t have an insurable interest. Your renter’s policy would pay to replace each and every covered [...]

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The 2012 California Consumer Complaint Study is now available at the California Department of Insurance website. Click here for the complete report.
All three of the Mercury companies, Mercury Insurance, Mercury Casualty and Cal Auto all ranked among the top 10 carriers with the lowest ratio of complaints per 100,000 policies. As you [...]

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Are you aware that our insurance carriers offer numerous discounts on your home and auto insurance? Are you certain that you’re getting all the discounts you are eligible for? The only way to know for certain is to give us a call, and have our friendly customer service representative do an insurance [...]

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The question regarding medical payments arises quite often in the insurance industry. A lot of people are mistaken about how the coverage responds in the case of an automobile accident. One of the main misconceptions is that the coverage only applies to the named insured. Most people don’t think about what would [...]

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It is that time a year again for students to go back to school. If your child is attending college, there are discounts available such as good student and student away at school. The good student discount is given if your child is enrolled in 12 or more units and [...]

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With all of the fires burning in Colorado already this year, it brings back haunting memories of the 2003 and 2007 fire storms we had throughout California. Nothing can completely prepare someone for a total loss of their home, their personal property or some of the family memories in photos that may never be [...]

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The days of forgetting to put your new auto insurance ID cards in your car may be gone as a bill recently passed committee in Sacramento allowing proof of insurance to be available on your smart phone as reported in the Insurance Journal.
Assembly Bill authored by Assemblyman Mike Gatto, D-Silver Lake, would enable a person [...]

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