A reader wants to know when he has to pay his deductible and to whom. Here are some general rules, although they do not always apply. Your deductible applies on “first party claims.” A first party claim is basically any…
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The privacy laws and obtaining the name of the other driver
After an accident, you may not have the other person’s name. Sometimes the other insurance company will contact you and give you the name of their “insured” but this may not be the name of the driver of the car….
Are you covered driving your friend’s car?
As you know from reading my blog, insurance follows the vehicle, generally. But, this is just a general rule. But a reader wants to know, if you drive your friend’s car, are you covered? The policyholder, or named insured, can…
Prop 103 – For and against
Here is an interesting post by Martin Grace, Risk Prof. Professor Grace is from Georgia and he apparently does not like our Prop 103. Of course, he also seems to like insurance companies, so that would make two things that…
Your auto insurance and the
More on Affordable Car Insurance
I have written before about the Department of Insurance’s plan to offer affordable auto insurance. California law has expanded a pilot program from LA and San Francisco to 9 other counties. Now, Mr. Garamendi wants to expand the program more…
Workers Compensation Savings: Does it add up?
The LA Times is reporting about a report being sent to the Governor and legislature showing state businesses have saved $8.1 MILLION since the Governor’s work comp reforms have been enacted. That is great for California businesses. However, the problem…
Disaster Programs for Californians
Courtesy of NBC11 in San Francisco, I am providing you a list of programs that may be available to Californians in the event of a disaster. Rental payments for temporary housing for those whose homes are unlivable. Initial assistance may…
Small Claims Court – Are Attorneys Allowed?
In California Small Claims Court, are lawyers allowed in the proceedings? Attorneys cannot appear and represent clients as an advocate in small claims court. However, attorneys can, and often do, assist with the preparation for the trial. Attorneys may also…
An Umbrella Policy: Do you need it?
A personal umbrella policy will cover you if you injure someone or damage someone’s property. It is relatively inexpensive ($300 or so for $1,000,000 in coverage). The catch to getting one is that your home and auto insurance usually have…