From the category archives:

Auto

10 Ways to Beat the High Cost of Auto Insurance (Part 1)

February 1, 2009

Insurance has been one of the necessary evils of life for over 100 years. In this day of higher taxes, rising food prices and soaring housing costs, it is possible for you to get a handle on your own auto insurance costs. If you have been frustrated by an inattentive agent and constantly rising insurance [...]

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A word about DEDUCTIBLES…

April 27, 2008

Simply stated: A deductible is the amount that you pay toward a loss or claim before the insurance company begins to pay. The higher your deductible, the lower your premium. The more you are willing to participate in your loss, the greater the savings on your premium. The insurance company will offer your a lower [...]

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FAQ’s California Texting and Hands-Free Law

April 7, 2008

The Wireless Communications Device Law (eff 1/1/09) makes it an infraction to write, send, or read text-based communication on an electronic wireless communications device, such as a cell phone, while driving a motor vehicle. Two additional laws dealing with the use of wireless telephones while driving went into effect July 1, 2008. The first law [...]

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The Paint on my Fender Isn’t Going To Match the Rest of the Car

April 2, 2008

Face it. Paint fades over time. Your car sits out in he sun and gets weather-beaten by rain, snow, etc. After a few years, the paint looks OK, but you can tell that it isn’t like it was when the car was brand new. Then…. you have a little fender bender and your left front [...]

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Options When You Have Damage from a Prior Accident

April 2, 2008

A client called me yesterday with an interesting dilemma. Said that recently, when his car was parked on the street, it was hit by a Fire Truck on a call. Kind of unusual as Fire Truck Drivers are usually pretty good at what they do. Nevertheless, he was concerned because on the same side of [...]

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They’re NOT Offering Me Enough For My Vehicle.

February 28, 2008

Whenever your vehicle has been declared a total loss, the insurance company will offer you a settlement based on the fair market value of your vehicle. (this works for cars, motorcycles, RV’s, boats, etc.) In the realm of United States tax law, the definition of “fair market value” is found in the United States Supreme [...]

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One Picture is Worth a THOU$AND DOLLAR$

February 17, 2008

Yes, I know a picture is worth a thousand words, but it could also be worth a thousand (or THOUSANDS OF) dollars! I can’t tell you the number of times in my 30+ year career in the insurance business that I’ve listened to a distraught policyholder after a loss struggle to remember everything that was [...]

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10 Ways to Beat the High Cost of Auto Insurance (Part 2)

February 17, 2008

Part 1 We’ve been evaluating 10 Ways to Beat the High Cost of Auto Insurance. Part 1 included the introduction and Ways 1-3. We’ll finish it up here. 4. EVALUATE YOUR MEDICAL COVERAGE – Medical Payments coverage is designed to pay for injuries sustained by you and anyone else in your car. Particulars of this [...]

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