The Department of Insurance announced an expansion today of a plan that provides affordable insurance coverage to lower income drivers. For years, one of the biggest complaints about the mandatory insurance law in California is the lack of affordable coverage…
Posts Categorized In: Auto Insurance
The Case for Uninsured Motorist Coverage
I previously talked about uninsured motorist coverage. Basically, this insurance covers you if you are in an accident caused by a driver without insurance. (See my other post from today about how there should be fewer uninsured drivers in the…
A Ridiculous Insurance Survey
This came to me today through my Google news. I am not quite sure what to make of this study. Here are the highlights: Drivers living near churches are less likely to be in accidents Drivers living near forests are…
State Farm Hit for $8 MILLION in Punitive Damages
State Farm has been hit for $8,000,000 in punitive damages in Kansas. Unfortunately, Kansas law has a cap on non-economic damages (non-economic damages are damages for things other than wage loss, medical bills, repair or replacement cost of the vehicle)….
Are You At Fault When You Have No Insurance?
This issues gets brought up all the time. I have had people call me and say “Your client is at fault for this accident.” I ask, “Why?” They say, “He was uninsured. You cannot drive without insurance. So, he should…
Are You Covered Driving a Vehicle That is Uninsured?
Pretend for a minute that you are at a friend’s house. The friend has a car, but no insurance. You do not have your car with you. You have insurance. You borrow the friend’s car to run an errand, and…
Does Your Auto Policy Cover Your New Motorcycle?
So you have your car insurance like a responsible person and you decide to buy a motorcycle. (Wear a helmet.) As we know from prior posts, the auto policy would cover a newly acquired automobile, but will it cover your…
Medical Payments Coverage: What is it?
Every insurance policy, the actual policy, has a provision for medical payments, sometimes called “Med Pay” coverage. Not everyone buys it, but more people should. What is med pay? Med pay pays all reasonable medical expenses incurred as a result…
The Insurance Company’s Obligation to Protect Its Insured
The question of the day: Suppose you are in an auto accident and you have a $15,000/$30,000 policy. (Most of you should not, but let’s say you do.) You have injured 3 people. Each claim is worth $15,000. The insurance…
Man Charged with Selling Fake Insurance Policies
The California Department of Insurance has arrested a Texas man for selling fake insurance policies. Apparently, this individual had his insurance license expire, but continued to sell policies for almost 4 years. He had offices in Texas, California and New…