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Auto Violations
Will auto violations affect my insurance? Insurance companies typically permit 1 minor violation every 3-5 years. Examples of minor violations include disobeying a traffic light, making an illegal U-Turn, not wearing a seat belt, driving with...
Auto Liability
How much auto liability is necessary? California has minimum liability limits of 15/30/5. This means $15,000 of bodily injury liability per person, $30,000 of bodily injury liability per accident and $5,000 of property damage liability. ...
Medical Payments Coverage
What is this mysterious auto coverage? Medical payments coverage is primarily for your passengers if they are ever injured while you are driving. The coverage can also be used if you are injured as a passenger in someone else’s vehicle. It...
Uninsured / Under-insured Motorist Coverage
Understanding the coverage 1/7 California drivers are uninsured OR under-insured. It is illegal in California to operate a vehicle without auto liability. With that said, California requires 15/3/5 liability limits as a minimum requirement. This...
Bad service amplified on Dec 1st
What do people say when the complain about their insurance provider? Why is it people leave the same insurance broker or company they have been with for 30 years? . The most important factor in your satisfaction with your insurance broker is the...
Need more doctors to choose from?
Like it or hate it the Affordable Care Act is here to stay. There are two choices when it comes to the new version of health care in America. You can spend your time complaining and not learn about the benefits of the law, or you can learn how to...
Loan / Lease Gap Coverage
Avoiding ACA Penalties
Health & Wellness