You saw their clever commercial on TV. You called the 800 number and talked to an insurance agent. And just like the ad promised, you got an auto insurance quote that “fit your budget.” So, you’re covered, right?
Just because your policy meets California’s minimum requirements doesn’t mean you’ll be taken care of after an accident. After a crash, many drivers are surprised to find out they aren’t covered like they thought they were. To find out what kind of insurance covers what, check out this handy infographic. Read the rest »
You can be forgiven for assuming that if you have automobile insurance, you are covered after a collision. Unfortunately, that’s not necessarily the case. Unless you are specifically covered for accidents in which the at-fault driver does not have adequate insurance, you may not be protected. Read the rest »
Most people don’t think about what insurance adjusters do until they get into a car crash. When they do, they learn that the adjuster is the person who’s responsible for evaluating their claim and determining how much compensation, if any, they’re is entitled to.
And while some people may find their adjuster friendly and helpful, the truth is that adjusters owe their allegiance to the insurance company. That means their number one priority is to save money, even if it comes at your expense. Read the rest »
Southern California’s roads are notoriously congested, and San Diego residents see the aftermath of accidents almost every day while on their commutes. That’s why California has the highest average insurance rates in the country. With such high rates, you probably assume that if you’ve paid for an insurance policy, you will be protected in the event of an accident. Read the rest »
How well do you understand your insurance policy? Can you explain the difference between liability coverage and personal injury protection? Does your medical insurance fully cover you in the event of a serious crash?
These are just a few of the basic questions that every California driver should be able to answer before purchasing car insurance. Read the rest »
Insurance companies are pretty good at estimating the cost of an accident. This is, after all, the core of their business. And while they will always look to cut corners, you can also feel pretty comfortable that they know what they are talking about. Read the rest »
As drivers in the state of California, we’re all familiar with the need for liability auto insurance. The law requires it, and driving without insurance (besides being illegal) leaves you open to expensive lawsuits if you cause an accident with injuries.
But what about injured passengers? Who covers them? Read the rest »
In the eyes of the insurance world, there are few activities more dangerous than riding a motorcycle. While there are some unsafe operators out there, the vast majority of motorcycle riders are both law-abiding and safety-conscious. In the right hands, motorcycles are quite safe.
Unfortunately, every rider must pay the price for the reckless few. Read the rest »
Based on the commercials, you’d think insurance companies are as friendly as the agents who represent them on TV. They claim they’ll always have your back in the event of an accident, but the reality is different.
Very different. Read the rest »
People buy insurance for two reasons:
To protect themselves in the event of a catastrophe.
To comply with the law.
Everyone who purchases insurance, no matter what form, does it to give themselves peace of mind. Unfortunately, many insurance companies do not live up to their promises, and people like us end up paying the price. Read the rest »