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Personal Auto

Marital Status and Personal Insurance

Your particular insurance needs depend, in part, on who you live with and your relationship to them. Most changes to your relationship status will warrant an insurance policy update. If you don’t update that information, your insurance company may have incomplete information about who’s sharing your home or your car, and you may have too little or too much coverage. Insurance Needs for Single or… Read More »Marital Status and Personal Insurance

Distracted Driving and Insurance Premium

Most drivers are aware of the dangers of driving while distracted. However, something that many drivers do not realize is that in addition to the legal ramifications, these distractions can affect the premiums you pay for your auto insurance. Most drivers are aware of the dangers of driving while distracted. However, something that many drivers do not realize is that in addition to… Read More »Distracted Driving and Insurance Premium

Catalytic Converter and Insurance

First of all, both your personal auto insurance and business auto insurance cover the damage to your autos with a theft of catalytic converter, as long as you have full coverage. You should open a claim an the payment will be processed with comprehensive part of your insurance policy.  You’ll likely need to pay your deductible. Thieves have targeted catalytic… Read More »Catalytic Converter and Insurance

Auto Insurance Score Explained

An insurance score is a score calculated from information on your credit report. Your credit information can be very predictive of future accidents or insurance claims, which is why many insurance companies use this information to develop accurate rates.

How Moving Affects Your Auto and Home Insurance

Moving can come with a lot of stress. Not only do you have to figure out moving costs, pack and orchestrate the movers, but you also have to update your address across all relevant forms. Two important things to pay special attention to during this time are your auto insurance and home insurance. No one wants to spend hours getting… Read More »How Moving Affects Your Auto and Home Insurance

How Moving Affects Your Auto and Home Insurance

America is on the move. With many employers required or volunteered to offer their employees to work from home and with the telecom availability, people are leaving their more expensive cities and houses, and moving out to cheaper places. In San Francisco, for instance, the exodus is so big, it’s a major news headline every other day with a special vacancy / rent reduction coverage once a week on all media outlets.

Moving can come with a lot of stress. Not only do you have to figure out moving costs, pack and orchestrate the movers, but you also have to update your address across all relevant forms. Two important things to pay special attention to during this time are your auto insurance and home insurance.

No one wants to spend hours getting new insurance quotes or transferring over insurance information, but doing so will protect you, your home, and your vehicle during and after your move. Here, we’ve answered the most common auto and home insurance questions to help cover your bases during your upcoming move.

Read More »How Moving Affects Your Auto and Home Insurance

DMV Reporting – what’s new

As of September 2018, 37 states require carriers to report coverage on vehicles they cover to departments of motor vehicles. Many states require data for commercial vehicles and have rigid timelines for reporting based on the coverage effective date. Some states are considering fines for continually exceeding their timelines. Police patrol cars now scan vehicle license plates for up-to-date insurance coverage and are more likely to rely on DMV supplied information rather than an insurance ID card. It has never been more important to provide timely and accurate information for DMV reporting.

The information below is to inform you of how DMV accomplishes reporting, what is reported when the reports are submitted, and what can happen if there is no report.

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Child Passenger Safety Requirements by State

ALABAMA
Children ages 6 until 15 are required to wear a seat belt in all seats.
Booster seats or child safety seats are required until age 6.
Children must be in forward-facing seats or convertible seats until age 5 or 40 lbs. Infant seats and convertible seats are required to be rear-facing until passenger is at least 1 year old or 20 lbs. in weight.
All child restraint laws are standard enforcement.
Read More »Child Passenger Safety Requirements by State

Insurance for High-Value Auto

Looking for a superior coverage for exotic, collector and high-value autos. Most standard auto carriers will not write coverage for autos valued over

$150K. Our exclusive high-value car insurance program offers coverage for vehicles up to $750K in value.

 

We’ve recently written the following accounts:
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Winter Driving Tips

winter-driving-tipsGoing to Tahoe for a weekend? Read these 10 winter driving tips and have a safe journey:

1. Winterize your vehicle Check your battery, front and rear defrosters, fill up the washer fluid and antifreeze, inflate your tires to the correct pressure, and keep your gas tank at least half full to avoid frozen fuel lines.
2. Clear your windshield  Never pour hot water over the windows to melt the ice and snow. This will typically shatter the windshield. Use a plastic scraper to avoid scratching the glass and use the front and rear defrosters to melt the ice. Avoid using your windshield wipers until after all the ice and snow have been removed.
3. Don’t just clear your windshield Don’t forget to clear all of the other windows, as well as the roof, hood, mirrors, headlights and tail lights, license plates and the exhaust pipe. This will prevent accumulated ice and snow from becoming an airborne hazard for other drivers.

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